vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Hi, Between the months of XXXX of XXXX i fell into a hardship where i was having difficulty paying my mortgage for one month, i called and spoke to a rep at va housing and he placed me on a payment arrangement where my monthly payment would be broken into 6 payments added onto my mortgage and that my payment would not be XXXX anymore, it would now be XXXX $ monthly for six months and my new due date would be the XXXX of each month. 

I started the plan immediately after i was told this and so i started paying every month on the XXXX. In XXXX when i went to pay my bill i was told that i did not owe a mortgage because i paid twice in XX/XX/XXXX. I called back that same day to speak with someone else to make sure what i was hearing was correct and i was told this information again. ( XX/XX/XXXX ) .. that i didn't owe a payment until XX/XX/XXXX because i paid twice in XXXX. 

I proceeded to pay XXXX and XXXX on XXXX of those months and now VA housing is telling me that they made an error and i did not pay twice in XXXX so now I still have one more payment of the XXXX to pay now and XXXX payment as well, bringing my total for XX/XX/XXXX XXXX In addition to this my credit score has been butchered because they are reporting me 60 days late every month since the plan started and i would never agree to a plan that reports me 60 days late on my credit report until the plan is completed.. Also I've stated i don't have this large payment I am being offered to be put on this payment arrangement again and I declined it. 

They gave me incorrect information and caused me to go delinquent again, although I've lost about XXXX of my credit score throughout the duration of this arrangement i am asking that VA housing removed the late payments off of my credit report.. they are refusing to do so. My payment plans due date has been the XXXX throughout this process, im not sure why im being reported 60 days late 7 times on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Ally charged we for excess wear and tear. However ally could not provide documentation they replace the tires before the sale. The charges are not consistent with ally documented charges. I would like a itemize document or Receipt showing what was replaced or fixed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANKERS HEALTHCARE GROUP LLC
State: WV

Complaint narrative:
Thank you for the quick response. 

Attached are XXXX emails that will conclude that BHG accessed my CRA files based on false information from one of your " lead aggregators '' resulting in a " partial account application. '' Furthermore, I did not use the BHG payment calculator which you claim was utilized for at least 6 of the XXXX pulls on XXXX different occasions. 

As my FCRA 609E request states, I want all information that you have in your possession regarding this situation as in the name of the aggregator as well as all personal identifiable information used to authenticate my identity. Your representative indicated that if my SS # was used you would have it. This should include any address, phone numbers or birth dates. 

Just for the record, these felons are not interested in my credit report. Most CRA 's are connected to some sort of aggregator like XXXX. You don't want to be part of it!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I am writing with grave concern over a derogatory rating that has appeared on my credit report. This inaccurate negative mark is already causing me significant financial hardship and emotional stress. Due to this erroneous rating, I have been denied a recent loan application and seen interest rate hikes on my existing credit accounts. I can not overstate the detrimental impact this is having on my finances and wellbeing. 

I am formally requesting that you take immediate action to remove and block the improperly reported derogatory information from my credit files at all three major consumer reporting agencies, as mandated by law. I expect you to promptly delete these inaccurate negative entries within the legal timeframe requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I looked at my credit report and found accounts that did not recognize, please remove them from my account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I looked at my credit report and found accounts that did not recognize, please remove them from my account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, I used my citi bank cc at the citi bank ATM to cash advance XXXX XXXX The ATM did not dispense the cash and I was still charged XXXX XXXX on my account. I disputed the transaction on XX/XX/year> and the banks decision was " your dispute is resolved and no credit has been issued '' I have contacted the bank numerous times regarding this issue and and as of today XX/XX/year>, the bank has refused to give the XXXX  XXXX plus all the internet back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to file a formal complaint against TransUnion, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. On XX/XX/2024 I sent a letter to TransUnion notifying them of the reinsertion of XXXX XXXX account number : XXXX ( XXXX  ) into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for more than 35 days after sending the letter, TransUnion has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations.

TransUnion 's actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with TransUnion, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Made monthly payment via usps money order through regular mail. Wells Fargo claims the payment was not recieved for credit card all other payments mailed were received and processed except credit card. I have a personal loan with Wells Fargo that was mailed on the same day XX/XX/year> and was posted to the account 3 days later. I was informed theres no grace period late fee of XXXX applies due to no grace period. I have not been late in 6 years never had an issue until now. Payments go to a XXXX XXXX XXXX they offer no means to assist just make another payment per tracking it has not been cashed. As a consumer its counted against me when it can be bad business practice and a means to gain late fees and addition financial gain. Very upset with years of history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please see supporting documents for my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to alert you to fraudulent personal information that has been wrongfully associated with my identity. Accounts and transactions to which I did not consent have been improperly linked to me, resulting in significant detriment to my financial standing and reputation. I am a victim of identity theft and have promptly reported this criminal incident. 

This urgent matter requires your immediate attention and cooperation. I formally request that you expeditiously remove all fraudulent information from my credit reports and conduct a thorough investigation into how this identity compromise occurred. I have documentation prepared to provide any necessary evidence of the identity theft. If prompt corrective action is not taken, I will be forced to pursue all available legal remedies to uphold my protected consumer rights and seek appropriate compensation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: VA

Complaint narrative:
I had submitted a complaint against the Department of Education that they had refused to discharge my student loan debt, to date this has not been done, and Nelnet has assessed an enormous amount of interest on a loan that should have been discharged in XXXX of this year, I have contacted all partied involved, the Department of Education, the XXXX XXXX line as well as Nelnet and I keep getting the run around, in my last complaint I got a letter from XXXX that all of student loan balance has been discharged, both XXXX and Nelnet are official servicers of Federal Student Aid, if XXXX was notified by the Department of Education that my student loans should have been discharged then why isn't Nelnet discharging my student loan debt, reimbursing what I have paid, and also Nelnet is making pay XXXX per month. The ball dropped somewhere and I do not care how this gets resolved but this needs to be resolved and my student loan debt needs to be resolved and discharged as it should have been almost 5 months ago, the fact that one servicer say that my student loan servicer says that my loans are discharged and another continues to charge me on loans that should have been discharged is absurd, I have not had loans with different servicers these are the same loans that have gone for one reason or another from XXXX, to Great Lakes and then to Nelnet, I have not gone to more than one school, I have only gone to XXXXXXXX XXXX  and have proven my borrower defense to repayment and therefor my student loans should be discharged why this has not happened is beyond me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
MY NAME IS XXXX XXXX. I AM NOT A XXXX PARTY. I AM A NATURAL PERSON SUBMITTING THIS COMPLAINT AND I AM A NATURAL PERSON SUBMITTING THIS COMPLAINT AND I AM REQUESTING THAT THE NEGATIVE ITEM BE REMOVED FROM MY CONSUMER REPORT. 

I'm filing this complaint in reference to an alleged debt with Wakefield and Associates and Orginal creditor ( XXXXXXXX XXXX XXXX XXXXXXXX ) .I would be willing to accept this debt if it were mine and upon validation and proof of claim but it's not mine and there's no way you can validate it.I am requesting proof that I am indeed the party you are asking to pay this debt, and that there is some contractual obligation which is binding me to pay, yet you have NOT provided this to me as of date, yet reported it to my credit report after I explicitly disputed this claim pursuant to FCRA 15 U.S.C 1692g Sec.809 ( b ) on XXXX XXXX and asked for proof and validation of this alleged debt. 

YOU ARE VIOLATING FEDERAL LAW by continuing to collect on a debt that you have no contractual right nor obligation to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc.
State: FL

Complaint narrative:
Company : Moneylion XX/XX/year> I received a text that I did not know that time that it was a scam. The context of the message quoted " We've detected abnormal activity on your MoneyLion account that could violate our User RulesXXXX XXXX XXXX XXXX XXXX. I clicked on the link and ask me to log in. I put in my username and password then signed in then it shows the message that my account was locked. But when I open my banking app and I can access it. XX/XX/year> I saw an unauthorized charged of {$610.00} on my account and a XXXX XXXX loan of {$1000.00} was applied to my account. I contact them to file a dispute, they said they will investigate what happened. I waited weeks and They said they can't find no error on that unauthorized transaction. I contact them to reopened the dispute, they asked for any other informations that I can provide. I send them screenshots of the text messages that I keep receiving, and screenshot of what it shows me when I clicked on the link. ( I keep receiving this text that have the company 's name and logo on it. Dated : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). That's all the information that I can provide since it's fraud i don't know any information about it. 
XX/XX/year> I received an email that the load requests made XX/XX/year> were unauthorized therefore they voided the loan. I don't understand how can they find the loan unauthorized but my dispute has no error. It happen the same day reported it the next day. It's frustating and giving me so much stress. If it's only {$100.00} I'll let go of it but I'm disputing {$610.00} and I needed that money.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Upon reviewing my credit report, I stumbled across a few accounts that did not belong to me. I have never heard of such companies before. I also have never given anyone my personal information. Below are the accounts : XXXX XXXX balance {$530.00}, posted on XXXX XXXX Acct XXXX XXXX XXXXXXXX XXXX XXXX XXXX balance {$140.00}, posted on XX/XX/XXXX Acct # : XXXXXXXX XXXX XXXX  balance {$0.00}, posted XX/XX/XXXX Acct XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I am writing regarding the attempt to collect a debt that I do not owe. Despite my repeated requests for verification of this debt, I have not received any satisfactory response or proof of its validity from none of the parties involved Comenity Bank, XXXX XXXX XXXX nor XXXX XXXX XXXX. Previously, I had a credit card with Catherines through Comenity Bank. I purchased XXXX identical pant suits in different colors. Due to a delay in delivery, I received XXXX suit initially. Upon inspection, I found it unsatisfactory and returned it. When the second suit arrived, I immediately returned it to the sender. Throughout the return process, I was in regular contact with Comenity Bank regarding my payments. As both items were returned, I did not owe a balance. I request that you cease all collection attempts and remove any incorrect information from my credit report related to this matter.

Company response to consumer: Closed with non-monetary relief