vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Problem with fraud alerts or security freezes — 
Company: Credit Karma, LLC
State: CA

Complaint narrative:
I created a 'Credit Karma save account ' and deposited around {$13000.00}. 

On XX/XX/year>, my time ( XXXX XXXX PDT ). I noticed some transactions. I suddenly noticed {$5000.00} was transferred internally from my save account to 'spend account ' ( which I had not created ). Also, there were piles of transactions made under the name XXXX XXXX Within a blink, {$5000.00} was spent. 

Then, I reached out to Credit Karma customer care and froze my account. 

I see my phone number was also changed. 

While the customer service team is working at my request, I would like to escalate this and complain publicly. Since, this could happen to anyone using a Credit Karma Save account. I don't see any compromise in my identity.

Credit Karma should thoroughly check their app. I'm just lost, how could someone take my account and spend without any issues

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-06 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: NJ

Complaint narrative:
I disputed my personal information on XXXX to Equifax. I also followed up with more requests to correct my personal information, including my true name, my true address and my true working address. Up until now, i've been offered no corrections to this fictitious information that they have on my report. I don't believe that they are following the law. I want the false information removed as soon as possible. This fictitious information is spoiling my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Imperium Lending, LLC
State: IL

Complaint narrative:
So I've been trying to refinance my mortgage and recently got in touch with XXXX XXXX  and XXXX an d authorized them to run hard credit checks. What happened as result of this, a plethora of calls started flowing in from other lenders. One of the lenders who called in, Imperium Lending ( XXXX XXXX XXXX XXXX XXXX XXXX ), had my SSN details. I was very surprised with this and they advised they had these details from XXXX. I wasn't comfortable with and they told me about couple of loan options and I asked them to send me a loan estimate - however, without my prior consent, given they had all my details from this credit file- they ran a hard credit inquiry! Not just that, XXXX XXXX XXXX XXXX XXXX even did not send me proper loan estimate docs- they kept sharing screenshots masking the lender name, etc. XXXX did not disclose their XXXX XXXX and did not read out the mandatory consent for hard credit checks. Just coz they had access to my SSN, they just ran the hard credit checks and this is so annoying! 

When I contacted XXXX to have this inquiry removed, they simply refused, stating that's something beyond their control. I was able to file disputes with XXXX and XXXX and they will investigate this further and have these inquiries removed. XXXX on one hand, makes all the personal details explicitly available to other lenders and for any unauthorized credit inquiry, won't allow me to file a dispute. Who authorized XXXX to share my personal details with all the lenders out there?

So the dispute is against Imperium Lending for running the hard credit checks without my prior authorization and also against XXXX for making all my details readily available to

lenders like Imperium who can use this information at any point of time. This is just unaccept
able.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: WI

Complaint narrative:
On XXXX I received a fraud alert notification from my XXXX XXXX and my XXXX accounts. I immediately went into my XXXX account and was directed to a debt that had been referred to a collection agency and posted to my credit report. My credit score is historically in the XXXX range. It is now XXXX. 

A collection company, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX ), today posted a collection on my credit report through XXXX. The collection is in an amount of {$3000.00}. My Experian app shows the tradeline as opened XX/XX/year>, with no payments made, and sent to collection XXXX. The creditor is shown as CashNet. I've never transacted with CashNet but researched their website. Apparently, they'll give you a loan without pulling credit, which explains how someone could have used my identity to get a loan without a credit pull. My credit is locked with all 3 bureaus and has been for over 3 years. I assume this means someone has other PII, and presumably my SSN. 

I not only want to dispute this but I also want to know how I can prevent it in the future. If someone can obtain credit in my name without a credit pull that makes it much easier to defraud someone and XXXX XXXX and the bureau locks would seem to be powerless against that. 

Thank you in advance for your help

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

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I am not liable for this debt of {$12000.00} with Exeter Finance LLC. They did not provide me with the verification of debt as I requested ID verification and the original contract. Per 15 USC 1692c If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communications. I have sent Certified letters of verification of debt and Right of rescission on XXXX XXXX to the dealership, XXXX XXXX, to XXXX and Exeter Finance LLC expressing their errors and how to correct them and move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
These inquiries was not authorized by me and I did not communicate with this under the specified date

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 2024-06-06 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied for a Macy 's credit card a long time ago and recently the Macy 's in XXXX CA. on XXXX XXXX informed me that I had a rewards card and a store credit card and I could use my store credit card if I provided my I.D . when I shop if I do not have my plastic card. I tried to do it and they told me they could not find it and they refused to give me a refund for a jacket I purchased and wanted silk lining instead of the kind it had.bIt was a black leather jacket around {$330.00} usd. ; It was on sale and only a few days after I purchased it I tried to return it and I was informed they would cash refund me but they needed to get so e more cash in the register. XXXX came and refused and I was informed by the president she did not work there really and she did not have on a name tag. I need compensation ect,. because I needed a warm jacket to replace it. I still need my Macy 's credit card also. 

Thank you, XXXX XXXX XXXX

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 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my CITIZENS BANK NA - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: PA

Complaint narrative:
I applied for income based payments and have not received any updates or information about when payments resume or how much they wil be. I've tried for several days to log into my account online, and every time their website crashes/times out when I try to log in. This company seems like a complete scam and never communicates with me about changes they make. They are not forthcoming with information when I call either and offer little guidance. 

In addition, previously, I had signed up for auto pay, and they withdrew from my account without my consent as a hold to essentially confirm my account. 

This company is sneaky and untrustworthy and does not communicate anything in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The three main credit bureau are reporting inaccurate information on my credit report.

Please see attached files below.

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 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The three main credit bureau are reporting inaccurate information on my credit report.

Please see attached files below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX :. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2024-06-06 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: MD

Complaint narrative:
I am writing to urgently seek your intervention regarding significant and ongoing violations committed by XXXX, TransUnion, and XXXX. These credit reporting agencies have breached several federal regulations, including the Fair Credit Reporting Act ( FCRA ), the Equal Credit Opportunity Act ( ECOA ), the Privacy Act of 1974, and the Gramm-Leach-Bliley Act ( GLBA ). These breaches have severely impacted my credit profile and financial standing.

The specific issues are as follows : 1. Reporting of Inaccurate Information : * My credit reports contain numerous inaccuracies, such as incorrect late payment records, erroneous account statuses, and inaccurate balances.

* The agencies have failed to update my address, despite my explicit instructions that I have only one address.

* My name appears with multiple variations, although I have provided the correct spelling.

2. Violation of Legal Standards : * According to 15 USC 1681, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' * My right to have accurate and consistent credit reports across all three bureaus has been disregarded.

3. Lack of Response and Rectification : * Despite numerous requests for corrections and updates, the credit reporting agencies have not addressed the inaccuracies.

* I have requested written communication confirming the updates to my profile, but my requests have been ignored.

These ongoing issues have caused significant distress and financial harm. The inaccuracies on my credit report affect my ability to obtain credit and can lead to higher interest rates or denial of credit, which is both unfair and unlawful. 
I urgently request the CFPB to take the following actions : XXXX. Investigate the non-compliance of XXXX, TransUnion, and XXXX with the FCRA, XXXX, Privacy Act of XXXX, and XXXX. 
XXXX. Ensure that all inaccurate information on my credit reports is corrected promptly. 
XXXX. Mandate that the credit reporting agencies provide written confirmation of the corrections. 
XXXX. Hold these agencies accountable for their negligence and disregard for consumer rights. 
I trust that the CFPB will act swiftly to uphold its mandate of protecting consumers and ensuring that these credit reporting agencies comply with federal laws designed to protect our rights and financial well-being. Your immediate attention to this matter is crucial and greatly appreciated. 
Thank you for your prompt assistance.

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