vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-13 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: AL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-08-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to file a complaint against Experian for their failure to properly address my dispute regarding inaccurate items on my credit report. 
On XX/XX/2024, I mailed a dispute letter to Experian via XXXX certified mail ( tracking # XXXX ) requesting an investigation into inaccurate items on my report. Additionally, I disputed incorrect personal information listed on my credit report. To help Experian verify my identity and address, I included a copy of my photo ID, social security card, and a recent bill with my current address. 
Despite my clear and thorough request, I did not receive any response from Experian with investigation results. 
According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
It appears that Experian has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the FCRA. 
I am including a copy of my dispute letter sent to Experian as evidence.

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 2024-08-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX Bank and Zelle Banking XXXX 's Checking Acct. Ending in XXXX Date From To Amount Reference num. Notes XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX received fund, she lives in MN. Scam/Fraud Called XXXX XXXX to XXXX she return fund of {$XXXX} she laughted and said no then hung up on me!!!!!!!!!!!!! 
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Called XXXX XXXX  to fill a claim against XXXX XXXX for scamming me oXXXX. XXXX XXXX  thats when I got the Claim number. XXXX said because of the XXXX we need to wait until XXXX to see if it is rejected by XXXX because of the claim. 
XX/XX/year> XXXX XXXX Claims XXXX Spoke with XXXX from the Claims Dept, Per XXXX the {$XXXX} went through. 
XX/XX/year> XXXX XXXX  XXXX XXXX then gave me the Zelle  XXXX # XXXX. I called Zelle, XXXX XXXX XXXX XXXX not help. She said go back to XXXX Bank and ask for the Zelle  support XXXX. well I was informed by XXXX  that their is NOT A XXXX  ZELLE  SUPPORT DEPT. 
XX/XX/year> XXXX XXXX  XXXX XXXX Received a Denial letter no adjustments will be made XX/XX/year> XXXX XXXX  XXXX XXXX XXXX XXXX XXXX @ XXXX re : reopening claim # XXXX Stated I need to speak with XXXX ( Supervisor ) XXXX transferred the call to XXXX. 
XX/XX/year> XXXX Bank XXXX XXXX ( XXXX ) XXXX S/W XXXX @ XXXX, Per XXXX ( Supervisor ) Claim was NEVER reopened. XXXX ( XXXX ) Keeps going to the Origin. Claim # XXXX Denial letter dated XX/XX/year>. XXXX ( supervisor ) Told me to call Tech XXXX XX/XX/year> XXXX Bank S/W XXXX XXXX XXXX XXXX, XXXX gave me the steps to get the History of XXXX 's XXXX XX/XX/year> As of XX/XX/year> XXXX Bank keeps blaming Zelle  and Zelle  XXXX XXXX Bank XXXX 

XX/XX/year> XXXX XXXX Today XX/XX/year>, I will be filing a case to the CFPB for FRAUD against XXXX Bank and then for Zelle. 

XXXX Bank complaint XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: WA

Complaint narrative:
I ordered electronic equipment from XXXX XXXX using Affirm as the payment method on XX/XX/year>. By XX/XX/year> I had still not received any shipping info from XXXX XXXX and contacted the seller for info. The seller said it would be generated by the end of the week, but that did not happen. I wrote the seller back on XX/XX/year> asking to cancel the order and I never heard back. I went to Affirm at that point and provided all the email correspondence. Affirm took many days to process my claim and denied the refund citing a lack of evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: CarMax, Inc.
State: MI

Complaint narrative:
I am getting a number of unknown credit inquiries starting XX/XX/year>. Maybe someone is trying to get a loan or credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Consumer Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XXXX This complaint is filed to request that you, Experian credit reporting agency, block information appearing on the consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint, pursuant to the Fair Credit Reporting Act ( FCRA ) 605B and 605C ( 15 U.S.C. 1681c-2 and 1681c-3 ).

This fraudulent, inaccurate, and false information consists of : A credit card account opene
d at XXXX XXXX XXXX with account number # XXXX A XXXX XXXX XXXX XXXX account opened on XX/XX/year>, with account number # XXXX A late payment account at XXXX XXXX XXXX  opened on XXXX XXXX with account number # XXXX These accounts have resulted in several fraudulent charge-offs appearing on the consumer XXXX credit report. 

I have attached a list of the fraudulent accounts and late payment in question, as well as a copy of the consumer XXXX  credit report maintained by you showing the aforementioned fraudulent items. 

I do not recognize the aforementioned accounts, charge-offs, or late payment as reported. These accounts, charge-offs, and late payment were not opened, made, or initiated by me. All of the aforementioned accounts, charge-offs, and late payment are the result of identity theft and fraud. 

I have attached a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, charge-offs, and late payments are the result of identity theft and fraud. 

Please send written confirmation of the actions taken to address this matter. I appreciate your prompt attention to this matter.

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 2024-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-08-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Deficiency balance after repossession
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
I am filing this complaint against GM Financial due to their unlawful repossession of my vehicle, failure to comply with proper communication protocols, and fraudulent practices related to my lease contract. 

Repossession Dispute : On XX/XX/XXXX, GM Financial repossessed my XXXX XXXX XXXX due to non-payment, despite my efforts to resolve the matter. I have been disputing this repossession for months, but GM Financial has failed to provide a satisfactory resolution. 

Failure to Provide Certified Mail Notice : Under Pennsylvania law, after a vehicle is repossessed, the lender is required to send a notice via certified mail to the borrower. This notice must inform the borrower of their rights, including the right to cure the default and reclaim the vehicle. I never received this notice, which makes the repossession unlawful. I am requesting that GM Financial provide me with the certified mail receipt number for the notice of cure that was allegedly sent to me. 

Relevant Law : In Pennsylvania, the lender must send a " Notice of Right to Cure '' or a similar notice via certified mail to the borrower before taking any further action after repossession. This requirement is outlined in the Pennsylvania Motor Vehicle Sales Finance Act ( MVSFA ) under 12 Pa.C.S.A. 6236, which mandates that the borrower be given an opportunity to cure the default within 21 days of the notice. GM Financials failure to send the notice via certified mail and ensure its receipt makes the repossession unlawful and invalidates the subsequent actions. 

Lack of Communication Compliance : Recently, GM Financial stated that someone attempted to contact me but was unable to reach me. I have explicitly requested that all communication be conducted via email or postal mail, not by phone. Despite this request, GM Financial continues to try to contact me by phone, disregarding my preferred method of communication. 

Certified Mail to Dealership Regarding Contract Fraud : I have sent a certified mail letter to the dealership highlighting that fraud was found in the lease contract, specifically regarding the misrepresentation of the trade-in amount for my previous vehicle. This fraudulent and deceptive conduct by the dealership makes the contract null and void. The issues with the contract further invalidate the repossession and any actions taken by GM Financial based on this contract.

Request for Resolution : Provide the certified mail receipt number for the " Notice of Right to Cure. '' Cease all phone communications and adhere to email or postal mail as requested. 
Reverse the unlawful repossession and remove any negative credit reporting resulting from this repossession. 
Investigate the fraudulent and deceptive practices related to the lease contract and take appropriate actions to nullify the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: Experian Information Solutions Inc.
State: CA

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 explanation
Consumer complaint received 2024-08-13 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: NY

Complaint narrative:
I tried to change my actual name and address on my credit report numerous times. Every time I check my report, the same old address and wrong name is still listed. I would like my address to be updated to one address I live at now and the others removed asap. My name is XXXX XXXX and not XXXX XXXX. My first name as XXXX is on my birth certificate and that is what I should go by.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I tried to change my actual name and address on my credit report numerous times. Every time I check my report, the same old address and wrong name is still listed. I would like my address to be updated to one address I live at now and the others removed asap. My name is XXXX XXXX and not XXXX XXXX. My first name as XXXX is on my birth certificate and that is what I should go by.

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 2024-08-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: AL

Complaint narrative:
A customer claimed an order, And paid using the XXXX XXXX system. The customer canceled they XXXX payment. The institution that processed the XXXX said that it was not their problem to call the bank,. They are the collection and issuing entity. After pressing for a resolution they have stopped responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: RI

Complaint narrative:
I have tried to apply for XXXX XXXX forgiveness plan since XX/XX/XXXX. My XXXX XXXX XXXX was approved by the department of education since XXXX  of last year and Nelnet and Sloan Servicing were supposed to fiish processing the application. I had a XXXX  in XXXX of XXXX. My husband had a XXXX XXXX XXXX in XXXX of XXXX and he stopped working and was denied XXXX  so I was the only income and I have XXXX kids. So we are a family of XXXX. Hence why I applied for the program. Since my husbands accident. He has had XXXX XXXX  and has not been able to go back to work. I provided the documentation that they asked for me. My XXXX  and my husbands denial for XXXX. I called to check on the status of my application with Sloan Servicing and was told that they were missing my husbands XXXX  denial and I said that I had already submitted that. They told me that I needed to submit a new application and in XX/XX/XXXX I submitted a new application was again approved and submitted the documentation once again in the sloan system. I kept calling and they kept telling me that it was being processed and then finally in XXXX I was told that they need my paystubbs in order to complete my application. I uploaded the paystubbs while on the phone with the agent from Sloan Servcing, she verified that it was uploaded and said that I should hear from the income redriven application in 30 days. I just called today XX/XX/XXXX and was told that I now need to resubmit the XXXX XXXX application AGAIN!!! Sloan Servicing took over for Nelnet and Nelnet was sued for not processing applications for income redriven and now Sloan Servicing is doing the same thing to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: VA

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these inquiry accounts : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 explanation
Consumer complaint received 2024-08-13 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: IL

Complaint narrative:
The appearance of public records on my credit report, which I have no association with, is deeply concerning. I implore you to take immediate action to address and correct this situation.

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 2024-08-13 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: TX

Complaint narrative:
i am submitting a complaint because i have inquiries on my credit report that i did not authorize or consent for the companies to run my credit.i do not have a line of credit nor have i attended to have any lines of credit with the companies identified, i am disputing these resulting as per my rights under the fcra. this negative information is impacting my credit i would like it removed immediately i am requesting a block of my information and this resolved within 4 days as the fcra states

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 2024-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Reviewed most recent credit report and I noticed a collection/charge off that did not belong to me. After reaching out to the creditors, I was advised to contact the CRA to have the collection/charge off disputed and investigated as they do not have the ability to do so. After contacting the CRA I was meant with push-back even though I expressed the collection/charge off in questions did not belong to me.

Under code 15 USC 1692g this is a clear violation of inaccurate reporting. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and ability to obtain new credit to purchase a home.

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 2024-08-13 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: Experian Information Solutions Inc.
State: NV

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 explanation