vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: DE

Complaint narrative:
XX/XX/2023 someone opened an online personal loan with XXXX XXXX using my information without my consent or authorization. I am a victim of identity theft. I never applied, opened or received any funds from XXXX XXXX. The ID thief paid on the loan for a few months then it went into debt collections. I discovered the fraudulent activity when the debt collection account showed up on my credit report. I filed a police report, an FTC ID theft report and obtained an affidavit of forgery. I am now being harassed by the debit collections company. I have filed disputes and requested an investigation with XXXX XXXX, Security Credit Services and now XXXX XXXX XXXX. Today I received an email from XXXX XXXX XXXX advising that XXXX XXXX and their client Security Credit Services deemed the debt as valid to me because someone paid on loan. The companies did not investigate as I requested because I can prove that I did not make any payments to XXXX XXXX My personal information is part of the XXXX data breech. In writing I have requested any and all information pertaining to this fraudulent loan be sent to me. None of the companies involved have sent me any information as requested. I am not going to be held liable for a loan that was opened fraudulent in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: IA

Complaint narrative:
ALLY auto My 2020 XXXX XXXX XXXX was involved in a total loss accident last week. My adjuster needs the payoff amount but Ally is refuse ng to send it. They say they need two weeks to get this completed. This is unacceptable as they should be able to give it to us either over the phone or fax or email. They are costing me money and will not provide a solution.

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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
Ive called and written letters to both XXXX and XXXX telling them that my address listed is wrong and has no association with me currently as per Fair credit reporting and that it needs to be changed to my current address. I sent them a copy of my current license and social security card via upload documents as well as bank statements. 

XXXX refused to change my address due to a derogatory account listed on my report by a third party debt collector to whom I have no contractual agreement with where my name is misspelled on the actual bill and I disputed twice with both the company and XXXX credit bureau citing that I have never had any public service bill in my name and that it was clearly fraudulent. Moreover, I did not live at the address during the timeframe of the bill statement

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
Someone put on my credit report please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: OneMain Finance Corporation
State: SC

Complaint narrative:
I regretfully obtained loans from One Main Financial Services located in South Carolina. I constantly kept in communications and would have my interest rates not being able to explain as to why I felt like the payments would never decrease. I was constantly threatened with legal action and other avenues. I would like this to be investigated as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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:
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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 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:
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.

has violated my rights. Or a list of inquiries : 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 2024-01-23 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: FL

Complaint narrative:
In accordance with the fair credit reporting act ( XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXX ) has violated my rights 15 u.s.c 1681 section 602a states i have the rights to privacy 15 u.s.c 1681 section s 604a section 2 A consumer reporting agency can not publish an account without my written permission

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 2024-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2024-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I canceled autopay before the payment was to process ( auto loan through USAA ) and submitted a payment using a different bank. USAA took the payment from the old account ( I am trying to close out ) and the payment I made from the new bank. 

I called and USAA stated the reversal could take XXXX weeks or more. I asked for an escalation as this caused a negative balance ( I have overdraft protection on the old bank ) they asked me to submit a bank statement showing the loan payment was made. I did submit the bank statement along with a screenshot of the negative balance. 

I moved money to my old bank so that other my account wouldn't be overdrawn while USAA was reversing the payment. USAA then reversed the payment, then USAA charged that same old account again, as of XX/XX/2024 causing the account again be overdraft as I used that back for other matters to reduce the balance because I am no longer using and adding funds to that old account which is why I canceled the autopay in the first place. 

I asked several times to speak to management about this but a rep named XXXX refused to transfer me and keep saying let me try, but she then just proceeded to say give it another week. The payment from my new bank cleared last week and yet USAA refuses to reverse the additional payment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 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: NC

Complaint narrative:
XXXX and transunion both are falsely reporting a XXXX XXXX XXXX XXXX account, account number is XXXX and they are showing XXXX payments past due on the account. the account information should show balance as current with XXXX lates. i reached out to XXXX XXXX XXXX XXXX about this account and it should be updated to reflect XXXX late payments. the balance is 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 non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I want to emphasize that I did not authorize these accounts, and their existence is causing me significant distress. I respectfully urge you to prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: CA

Complaint narrative:
This is the refilling of my complaint to XXXX. I accept that my data is being abused and detailed as wrong. In my credit report I discovered some slanderous things that I didn't know about. I found late payments which never occurred and accounts with mistaken data, like payment history, status, balances, and date of last activity. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my written instructions. I have attached the FTC report to support my complaint with the FTC report number XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 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:
Ive called and written letters to both EQUIFAX and XXXX telling them that my address listed is wrong and has no association with me currently as per Fair credit reporting and that it needs to be changed to my current address. I sent them a copy of my current license and social security card via upload documents as well as bank statements. 

XXXX refused to change my address due to a derogatory account listed on my report by a third party debt collector to whom I have no contractual agreement with where my name is misspelled on the actual bill and I disputed twice with both the company and XXXX credit bureau citing that I have never had any public service bill in my name and that it was clearly fraudulent. Moreover, I did not live at the address during the timeframe of the bill statement

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
transunion refuses to increase my XXXX score after they illegally and unethically pulled my mortgage information and deed from XXXX XXXX online and the internet. TRANSUNION is directly responsible for me being denied an apartment, a credit card, and other credit due to their illegal incompetence and violating FCRA. there is NO reason for illegally dropping my XXXX AND XXXX score XXXX points on XX/XX/XXXX after illegally and unethically pulling my mortgage information from XXXX XXXX. TRANSUNION have NO right to be pulling this mortgage information and including it on my report, then DROPPING my credit score XXXX ( XXXX ) points arbitrarily and capriciously because of it!!. I have paid ALL BILLS ON TIME INCLUDING MY MORTGAGE AND CREDIT CARD FOR WELL OVER TWO years now!! I am a XXXX veteran and transunion is causing me pain suffering and emotional distress and making me homeless!!! stop this immediately and raise my XXXX and XXXX credit score XXXX points to where it was before you arbitrarily lowered it for no reason!! I have reported TRANSUNION to the XXXX and the Florida attorney general in this matter for prosecution and action!! I WILL SUE TRANSUNION if you DO NOT raise my XXXX and XXXX score to what it was BEFORE XX/XX/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 2024-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
army and air force military STAR card, a US government credit card, refuses to accurately and timely report my proper on time payments to the credit bureaus, especially XXXX. this is a violation of the law and FCRA. I have made massive payments on my military STAR card through army and air force exchange service and you are screwing my credit report and score because of your neglect and incompetence, and keeping my score so artificially low I cant obtain an apartment or a credit card or a mortgage. STOP THIS IMMEDIATELY ( NOT THIRTY DAYS FROM NOW ) and immediately report my proper amounts payments and balances to all three credit bureaus especially XXXX. AAFES STAR CARD hasn't reported my on time payments and lower balance to XXXX credit bureau since 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 2024-01-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CreditNinja Lending, LLC
State: DE

Complaint narrative:
XXXX 2023 someone opened an online personal loan with Credit Ninja using my information without my consent or authorization. I am a victim of identity theft. I never applied, opened or received any funds from Credit Ninja. The ID thief paid on the loan for a few months then it went into debt collections. I discovered the fraudulent activity when the debt collection account showed up on my credit report. I filed a police report, an FTC ID theft report and obtained an affidavit of forgery. I am now being harassed by the debit collections company. I have filed disputes and requested an investigation with Credit Ninja, XXXX XXXX XXXX and now XXXX XXXX XXXX. Today I received an email from XXXX XXXX XXXX advising that Credit Ninja and their client XXXX XXXX XXXX deemed the debt as valid to me because someone paid on loan. The companies did not investigate as I requested because I can prove that I did not make any payments to credit Ninja. My personal information is part of the XXXX data breech. In writing I have requested any and all information pertaining to this fraudulent loan be sent to me. None of the companies involved have sent me any information as requested. I am not going to be held liable for a loan that was opened fraudulent in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2024-01-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Someone tried to send me {$200.00} via XXXX and it did not go through. I called and inquired about why it didnt go through the next day and was told the activity was reported as fraudulent and the closed my accounts. I have a Personal checkings and savings and a business checking and savings. Also, I am on joint accounts with my wife. 

I have been with navy federal since XXXX or XXXX. And aquired the membership because my wife was serving in the XXXX  XXXX  XXXX XXXX at that time. 

I have been having issues with my accounts with XXXX XXXX because of the product XXXX that they offer. 

I am beyond disappointed with their inability to directly speak with XXXX and XXXX who processes and monitors their XXXX transactions to give me answers. And that they closed down my accounts for this. The last person I spoke with over at Navy Federal was a supervisor in the security department and he was rude and notated my account to not be able to do a Security appeal. This is causing not just an inconvenience in my life and my familys lives but also extreme XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I've contacted the credit reporting agencies several times in regard to charge-off being reported on my consumer profile. The account with XXXX XXXX XXXX reached charged-off status and the lender cancelled and forgave the debt. The debt was filed on the lenders taxes as a tax write off. This is not a disputable debt because INCOME CAN NOT be reported on a consumer 's profile. Each bureau has the responsibility of reporting maximum accuracy per 15 USC 1681 ( E ) B. I contacted each agency XXXX and XX/XX/2023 to resolve the issue. I contacted the lender to provide documentation that has also been submitted to credit bureaus and the account is still reporting inaccurately on my profile, which is further violating the FCRA.

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 2024-01-23 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: OH

Complaint narrative:
I've contacted the credit reporting agencies several times in regard to charge-off being reported on my consumer profile. The account with XXXX XXXX XXXX reached charged-off status and the lender cancelled and forgave the debt. The debt was filed on the lenders taxes as a tax write off. This is not a disputable debt because INCOME CAN NOT be reported on a consumer 's profile. Each bureau has the responsibility of reporting maximum accuracy per 15 USC 1681 ( E ) B. I contacted each agency XXXX and XX/XX/2023 to resolve the issue. I contacted the lender to provide documentation that has also been submitted to credit bureaus and the account is still reporting inaccurately on my profile, which is further violating the FCRA.

Company response to consumer: Closed with non-monetary relief