vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Credit Karma, LLC
State: IN

Complaint narrative:
On XX/XX/year> I accessed the Credit Karma app using my XXXX and there was a credit card offer where Credit Karma claimed I had a 100 % chance of being approved, but on the off-chance I wasn't approved they would give me {$50.00} from their Credit Karma Guarantee . I applied for the XXXX XXXX and was denied. I reached out to customer service and their initial response advised it could be several days for the credit card lender to notify Credit Karma that I was denied and if I was eligible for the Cards Karma Guarantee, I would receive an automated email from Credit Karma. 

I reached back out on XX/XX/year> to customer service and this time they advised that I was eligible for the {$50.00} payment. The email response claims I would receive another email with steps on how to redeem the payment. 

I reached back out on XX/XX/year> asking about the email for the payment information and its as if I had never contacted customer service before. The new representative sent me an email with the same information the rep sent me back on XX/XX/year>. I responded to the new representative 's email with a screenshot from the XX/XX/year> and as of today have not heard back from anyone. 

With the way Credit Karma 's outsourced customer service representatives have treated me I think it would be safe to say the promise of a {$50.00} payment was simply to get more people to enter their personal information for them to have and did not ever intend to give anyone any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: LA

Complaint narrative:
Dates : XX/XX/XXXX through XX/XX/XXXX Action taken : a disputed the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Dates : XX/XX/XXXX through XX/XX/XXXX Action taken : a disputed the inquiries.

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 2024-07-28 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 was trying to buy a home so I can better me and my family lives and I realized that there were some damages on my credit report. I have already been in breaches and I thought you were going to protect my information from there. This is A defamation of my character because it is affecting my livelihood. Now me and my family are being impacted emotionally and mentally. According to 15 U.S.C. And 1681 You have broke the law because these damages are fraud and I am trying to move forward.

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 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I called each company on XX/XX/year>. 
Neither of them were able to find anything on file concerning running a credit report on me. They told me to call the credit bureau and the credit bureau would remove the inquiry. When I called the credit bureau, they told me to call the company and have them contact the credit bureau. The companies told me that they dont have any information to send to the Credit bureau and that they can not help remove the inquiry. And as you can see, all the attachments, XXXX XXXX ran A credit report one day and then the next day they ran another one.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: WA

Complaint narrative:
I filed a dispute for ATM transaction on Cash app. ATM did not dispense the funds it gave Error message. I filed a dispute on XX/XX/year> I did not get provisional credit from cash app. On XX/XX/year> I get a email stated that dispute was resolved in my favor and they deposit {$2.00} in my cash app account, they did not refund my my transaction of {$360.00}. As of today I did not get my funds, I feel like cash app is treated me unfairly and is holding my funds. I can include all emails as a proof and I will also file appeal with my attorney and go to small courts over this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
I am unaware of this Debt I didnt have the proper opportunity to Dispute this Debt. I didnt receive proper notification if in fact you believe I received proper notification please provide the proof of the Certified Mail With Receipt with my signature on there stating I received it You are hereby notified under provisions of Public law 95-109 and 99-361, also known as the Fair Debt Collection Practice Act Please remove me from you files & computer systems ASAP.

Cease & desist all attempts to collect the above so called debt. Failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission, Better Business Bureau, as well with my State Attorney General 's Office. I will pursue all criminal & civil claims against you & your company.

Let this serve as your warning that I may utilize telephone recordings devices in order to document any telephone conversations that we may have in the future. 
Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you & your organization, both personally & corporately to seek any & all legal remedies available to me by law. 
Since it's my policy neither to recognize nor deal with collection agencies, please. Please Stop calling me for different Area Codes VIA phone numbers harassing me I have told this company many times on different occasions to dispute this collection or send me certified proof with receipt that I have legally signed to take on this debt this company told me they will dispute this collection off my credit report but never seen any results

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 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: Nelnet, Inc.
State: MD

Complaint narrative:
I am writing to formally lodge a complaint regarding the inaccurate reporting of late payments on my student loan account managed by Nelnet. I believe that the reporting of these late payments is incorrect and does not reflect my actual payment history. Furthermore, I have concerns that the reporting practices may not be in compliance with relevant laws, including the Family Educational Rights and Privacy Act ( FERPA ) and the Fair Credit Reporting Act ( FCRA ). 

XXXX. Account Details : Name : XXXX  XXXX XXXX Account Number : XXXX Servicer : Nelnet 2. Background and Concerns : I have noticed that my credit report contains several entries indicating late payments for my student loan with Nelnet. However, I have consistently made payments on time according to the agreed-upon schedule. The inaccurate late payment entries have had a significant negative impact on my credit score.

3. Relevant Legal Provisions : A. FERPA ( 20 U.S. Code 1232g ) : Under FERPA, the disclosure of students ' educational records without consent is permissible to certain entities, including " appropriate parties in connection with financial aid to a student. '' In my case, Nelnet, as the servicer of my student loan, is an entity involved in the management of my financial aid. My concern is that any disclosure or reporting by Nelnet that inaccurately reflects late payments could be in violation of FERPA provisions if such information is improperly shared or reported.

B. FCRA ( 15 U.S. Code 1681a ( 2 ) Exclusions ( A ) ( i ) ) : The Fair Credit Reporting Act excludes from the scope of credit reports information solely regarding transactions or experiences between the consumer and the party making the report, if such information is not accurately reflected. I believe that Nelnet 's reports of late payments do not accurately reflect my payment history and may therefore fall within the exclusions specified under FCRA.

4. Requested Resolution : I kindly request that the CFPB investigate this matter and take the necessary steps to rectify the incorrect late payment entries on my credit report. Specifically, I request : Correction of Credit Report : Immediate correction of any erroneous late payment entries reported by Nelnet to credit bureaus.

Verification of Compliance : Verification that Nelnet 's reporting practices are in compliance with both FERPA and FCRA regulations.

Confirmation : Confirmation that Nelnet has updated their records to reflect accurate payment history and has notified credit bureaus of these corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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:
I am a victim of identity theft involving a fraudulent account with XXXX XXXX, account number XXXX, opened on XX/XX/year>. This account, which I did not authorize, has a balance of {$1700.00} and includes incorrect personal information such as an address and phone number that do not belong to me. 

Despite my multiple formal disputes and provision of evidence, XXXX XXXX has continually verified and updated this erroneous account on my credit report. Their actions violate the Fair Credit Reporting Act ( FCRA ), as they have failed to follow reasonable procedures to ensure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) and have not properly reinvestigated disputed information ( 15 U.S.C. 1681i ( a ) ). Additionally, their conduct breaches the Fair Debt Collection Practices Act ( FDCPA ) by engaging in unfair practices and reporting false information to credit bureaus. 

The persistent presence of this fraudulent account on my credit report has significantly harmed my creditworthiness, caused undue stress, and negatively impacted my financial stability. I urgently request that the CFPB intervene to ensure the immediate removal of this fraudulent account from my credit report and to hold XXXX XXXX accountable for their ongoing violations.

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 2024-07-28 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Per the fcra as a federally protected consumer I am now opting out of any and all authorization I the consumer may have giving you written, unwritten, verbal and non Verbal per 15 usc 6802

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: Spring Oaks Capital, LLC
State: PA

Complaint narrative:
Per the fcra as a federally protected consumer I am now opting out of any and all authorization I the consumer may have giving you written, unwritten, verbal and non Verbal per 15 usc 6802

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 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: Mercury Financial Intermediate LLC
State: LA

Complaint narrative:
Dates : XX/XX/2023, XX/XX/2023 and XX/XX/2023 Amount : {$3300.00} Action taken : I sent a dispute letter

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion The following inquiries were not authorized and should not be reporting.

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 2024-07-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX NA XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian - The following inquiry were not authorized and should not be reporting.

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 2024-07-28 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:
I am a victim of identity theft involving a fraudulent account with XXXX XXXX, account number XXXX, opened on XX/XX/year>. This account, which I did not authorize, has a balance of {$1700.00} and includes incorrect personal information such as an address and phone number that do not belong to me. 

Despite my multiple formal disputes and provision of evidence, XXXX XXXX has continually verified and updated this erroneous account on my credit report. Their actions violate the Fair Credit Reporting Act ( FCRA ), as they have failed to follow reasonable procedures to ensure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) and have not properly reinvestigated disputed information ( 15 U.S.C. 1681i ( a ) ). Additionally, their conduct breaches the Fair Debt Collection Practices Act ( FDCPA ) by engaging in unfair practices and reporting false information to credit bureaus.

The persistent presence of this fraudulent account on my credit report has significantly harmed my creditworthiness, caused undue stress, and negatively impacted my financial stability. I urgently request that the CFPB intervene to ensure the immediate removal of this fraudulent account from my credit report and to hold XXXX XXXX accountable for their ongoing violations.

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 2024-07-28 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: CA

Complaint narrative:
I am a victim of identity theft involving a fraudulent account with XXXX XXXX, account number XXXX, opened on XX/XX/year>. This account, which I did not authorize, has a balance of {$1700.00} and includes incorrect personal information such as an address and phone number that do not belong to me. 

Despite my multiple formal disputes and provision of evidence, XXXX XXXX has continually verified and updated this erroneous account on my credit report. Their actions violate the Fair Credit Reporting Act ( FCRA ), as they have failed to follow reasonable procedures to ensure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) and have not properly reinvestigated disputed information ( 15 U.S.C. 1681i ( a ) ). Additionally, their conduct breaches the Fair Debt Collection Practices Act ( FDCPA ) by engaging in unfair practices and reporting false information to credit bureaus. 

The persistent presence of this fraudulent account on my credit report has significantly harmed my creditworthiness, caused undue stress, and negatively impacted my financial stability. I urgently request that the CFPB intervene to ensure the immediate removal of this fraudulent account from my credit report and to hold XXXX XXXX accountable for their ongoing violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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 2024-07-28 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 was trying to buy a home so I can better me and my family lives and I realized that there were some damages on my credit report. I have already been in breaches and I thought you were going to protect my information from there. This is A defamation of my character because it is affecting my livelihood. Now me and my family are being impacted emotionally and mentally. According to 15 U.S.C. And 1681 You have broke the law because these damages are fraud and I am trying to move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: GA

Complaint narrative:
I was trying to buy a home so I can better me and my family lives and I realized that there were some damages on my credit report. I have already been in breaches and I thought you were going to protect my information from there. This is A defamation of my character because it is affecting my livelihood. Now me and my family are being impacted emotionally and mentally. According to 15 U.S.C. And 1681 You have broke the law because these damages are fraud and I am trying to move forward.

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 2024-07-28 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: NV

Complaint narrative:
Case XXXX Document XXXX Filed XX/XX/XXXX Page XXXX of XXXXXXXX XXXX XXXX XXXX XXXX XXXX U.S. Code 1691 - Seal and teste of process All writs and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof. 

( XX/XX/XXXX, XXXX. XXXX, XXXX XXXX. XXXX. ) When the SEC seeks civil penalties against a defendant for securities fraud, the XXXX XXXX entitles the defendant to a jury trial. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) State as well as federal courts have jurisdiction over suits brought pursuant to 42 U.S.C. 1983, which creates a remedy for violations of federal rights committed by persons acting under color of state law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-28 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
This is not my debt I would like to see Proof of debt assignment, copy of payment from creditor, a copy of original contract, and factual dispute to credit bureau. If can't provide documents delete account XXXX Alley Financial.

Company response to consumer: Closed with explanation