vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Global Lending Services LLC
State: CA

Complaint narrative:
I, XXXX XXXX, am submitting this statement to formally report an instance of identity theft and contract manipulation involving my XXXX XXXX XXXX and to dispute the negative information associated with this fraudulent transaction that has been reported to the credit bureaus. 



In XXXX of XXXX, I entered into a contract to purchase the XXXX XXXX XXXX in good faith. I made six payments to Global Lending Services, fully expecting the terms of the contract to be upheld as agreed. However, upon closer inspection of the contract, I discovered that it had been manipulated and forged, with unauthorized alterations made to both the terms and my signature. This manipulation was done without my knowledge or consent, constituting a clear violation of my consumer rights under federal law, particularly the Fair Credit Reporting Act ( FCRA ) and the Identity Theft and Assumption Deterrence Act. 



As a victim of identity theft, I have suffered significant financial and emotional distress. The fraudulent contract not only compromised my ownership of the vehicle but has also resulted in a negative item being reported on my credit report. This inaccurate and damaging information is causing harm to my creditworthiness, which directly impacts my financial future. 



In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), I formally request that all credit bureaus delete any and all negative items related to this fraudulent account from my credit report immediately. As this account was opened and reported under fraudulent circumstances, it is my legal right to have this information removed. 



I urge the relevant parties to investigate this matter thoroughly and to ensure that my credit report is corrected by removing the negative items. I also request confirmation in writing once this has been completed. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: MA

Complaint narrative:
I am writing to request an investigation of the following information that appears on my consumer report. I have NEVER opened or used the following account numbers. I am writing to dispute several inaccuracies on my credit report concerning the balances reported for various accounts. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), credit reporting agencies are required to maintain reasonable procedures to ensure the accuracy and completeness of the information they report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 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: IL

Complaint narrative:
Unauthorized inquiries have been detected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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 2024-09-12 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: NV

Complaint narrative:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
Last logged into Ally Auto to submit payment for current loan XX/XX/XXXX. On XX/XX/XXXX, attempted to login to Ally because they merged sites with Ally Auto. Contacted Ally to get account reset, account was reset however auto loan did not display on website. I was transferred to Ally Invest to inquire if they could fix the issue. Ticket was opened. Called back on XXXX and XXXX, Ally was unable to resolve issue. Requested paper statement and options to make a payment. They charge {$4.00} for a phone payment which I disputed but submitted phone payment XX/XX/XXXX. Made a comment on social media about my issue, was contacted by Ally OAC department XX/XX/XXXX. Spoke with OAC rep XX/XX/XXXX, they were unable to help and like previous reps, they didn't seem to understand the problem. They opened another ticket. Called again on XX/XX/XXXX, now I can't even login. Another ticket was opened. Called again on XX/XX/XXXX because I didn't get my statement in the mail. Requested paper statement through XXXX then spoke with agent that said my account wasn't switched to paper. XX/XX/XXXX called XXXX rep, left message asking about status of ticket they opened. We're going on the 3rd month of not being able to access my account and 2nd payment that will be charged a {$4.00} fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-12 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: AZ

Complaint narrative:
I'm asking for assistance with this incorrect account on my credit report. It has damaged my good standing, and I shouldnt have to plead for your help. Your mistakes have left my reputation in shambles. These wrong entries need to be taken off my report now.

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 2024-09-12 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: EQUIFAX, INC.
State: NE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | May Presume that no nonf of the alleged Debt nor therefore any such debt in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | May Presume that no nonf of the alleged Debt nor therefore any such debt in fact exists.

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 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The personal details on my credit report are incorrect. I've attached my documents for you to update the information.

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 2024-09-12 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: NC

Complaint narrative:
My account with XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 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: TX

Complaint narrative:
I recently reviewed my credit report and recognized unauthorized accounts and hard inquires on my credit report that I am certain I did not make Please provide all documents of the account that is on my credit report I never gave a written consent to report accounts that are identity theft. 
I have attached what is required to delete this account attached. 
FTC report Copy of ID and SS card. 
Current Proof of Address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 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: TX

Complaint narrative:
I recently reviewed my credit report and recognized unauthorized accounts and hard inquires on my credit report that I am certain I did not make Please provide all documents of the account that is on my credit report I never gave a written consent to report accounts that are identity theft. 
I have attached what is required to delete this account attached. 
FTC report Copy of ID and SS card.

Current Proof of Address

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 2024-09-12 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: AZ

Complaint narrative:
I'm asking for assistance with this incorrect account on my credit report. It has damaged my good standing, and I shouldnt have to plead for your help. Your mistakes have left my reputation in shambles. These wrong entries need to be taken off my report now.

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 2024-09-12 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: IL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-09-12 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: LA

Complaint narrative:
In XX/XX/year> I received federal student loan discharge and refund approval for attending a the defrauded XXXX XXXX XXXX XXXXs. I've been in contact with both my loan servicer, Nelnet, and The US Department of Education. Nelnet claims that the decision is on the DoE to finalize the discharge and release the refund. When I call DoE, they said Nelnet is the servicer of the loan so that they should have all the information ( timing, status, refund amount, etc ). When I called Nelnet to relay the message, they insist that its not their responsibility and the burden of information belongs to the DoE. 

I check the news and group chats about the issue weekly. I see that people in the same boat as me are able to get status and refund updates. Why can't I? 

If XXXX XXXX XXXX has been found liable for the harm caused to borrowers, and notices can be found in both Nelnet and DoE inboxes, why is it so hard to get clear answers about next steps. I feel like Im gon na fall between the cracks waiting for funds that can be used to go XXXX XXXX XXXX pay for debt, getting my life back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: TX

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : 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 XXXXXXXX : Dear XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for 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 non-monetary relief
Consumer complaint received 2024-09-12 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: NC

Complaint narrative:
I have been a victim of identity theft and multiple data breaches. I have notified all credit reporting agencies of this information and have also provided all three credit bureaus with a identity theft report from the FTC as well as an identity theft report for the local police stations listing the fraudulent accounts, addresses, phone numbers, and creditor. 

I am again attaching a copy of an updated FTC identity theft report as well as an updated police report listing the other fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have been disputing inaccurate information that's being reported on my Credit report for that last three months with this company. I've called, live sent letters, reported to XXXX  and now I'm here, because these accounts and inaccurate Personal information is still being reported. I've since filed a fraud dispute because these inaccurate accounts and personal information keep getting verified through e-oscar verification. I do not consent to any XXXX verification due this matter being very serious and showing a serious error in this company reporting. I would like these inaccurate accounts and personal information to be deleted from my report due fraudulent inaccurate information being reported. These companies are also getting my current information from my disputes to update their information to the Credit Bureaus because they had inaccurate Fraud information.

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 2024-09-12 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: AZ

Complaint narrative:
I have been disputing inaccurate information that's being reported on my Credit report for that last three months with this company. I've called, live sent letters, reported to XXXX  and now I'm here, because these accounts and inaccurate Personal information is still being reported. I've since filed a fraud dispute because these inaccurate accounts and personal information keep getting verified through e-oscar verification. I do not consent to any e-oscar verification due this matter being very serious and showing a serious error in this company reporting. I would like these inaccurate accounts and personal information to be deleted from my report due fraudulent inaccurate information being reported. These companies are also getting my current information from my disputes to update their information to the Credit Bureaus because they had inaccurate Fraud information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XX/XX/year> I disputed seven transactions. Four of them were on XX/XX/year> for {$200.00}. One was {$200.00} on XX/XX/year>. Two were for {$61.00} and {$10.00} on XX/XX/year>. These transactions were conducted using an unauthorized mailed new debit card in my name and with my SSN. 

I received provisional credit for the reported fraudulent transactions on XX/XX/year>. Ally dispute team decided to rescind provisional credit on XX/XX/year> and in XXXX notified me that they decided that without a police report or further evidence or a police report, the fraudulent transactions were declared valid transactions. 

I called Ally in XXXX for further information on reevaluation of case for transaction dispute, customer service rep notified me to submit police report for further review. I filed police report on XX/XX/XXXX. Police Report was approved on XX/XX/XXXX with XXXX Police, and I submitted to Ally with help of customer service representative. 

On XX/XX/XXXX, I called to check in on review of my police report. Customer service rep from transaction dispute team tells me that customer service rep was dishonest and that I could not submit a police report for a new review of transaction. On XX/XX/XXXX, Ally closes my account due to negative balance and refuses to review submitted police report. Account was in negative for one month since XX/XX/XXXX. I refused to keep balance at XXXX as account was in negative as a result of fraudulent activity.

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 2024-09-12 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: KS

Complaint narrative:
Hello and good day, please read this complaint carefully as I would like to bring to your attention these fraudulent credit inquiries that have been placed on my report. This has been stressing me out as I am not aware of these and I do not recognize them, I did not applied to these or gave authorization to have these placed on my credit or for these companies to access 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