vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-07 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: MS

Complaint narrative:
I have disputed fraudulent inquiries and accounts with Equifax XXXX  times on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX they have not removed the fraudulent entries nor have they provided me with verifying information they have refused to investigate the information. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and an accoout from XXXX XXXX XXXX, XXXX, XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 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: Nelnet, Inc.
State: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I never went to college, but I have XXXX opened accounts, from the same loan company, but different amounts of what's owed. The consumer reporting agencies need to report all information with complete accuracy. This account is not mine. Ive attached a copy of my report to this complaint on the following dates XX/XX/07 for each one. I'm now requesting you investigate and provide verifiable proof with records showing that I had these loans. If this information can not be verified. I demand these loans be updated and removed immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery has called me multiple times regarding debt that was claimed in bankruptcy and it is also was past the collection statute of limitations in Florida ( 5 years, debts are from XXXX ). They have called me the following times since XX/XX/XXXX : XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, and XX/XX/XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 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: MO

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: PA

Complaint narrative:
In XX/XX/2023 my student loans were transferred from Nelnet to XXXX. My current balance with Nelnet is {$0.00} due to the transfer. Right now my student loans are showing XXXX  on my credit report. XXXX account for Nelnet and XXXX for XXXX. This is incorrect and should only be showing the XXXX account. 

When I spoke with Nelnet requesting that my account be closed because I now have a {$0.00} balance with them I was told no. I then disputed this account with XXXX, but it was not resolved. This is causing my credit report to show {$100000.00} in loans instead of {$50000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: FL

Complaint narrative:
It is illegal to report transaction history. Reports containing solely information related to transactions are to be excluded from a consumer report and undermine my privacy rights and withdrawn consent. The mailed and unaddressed letter listing the offending accounts is attached. No action has been taken by the CRAs in spite of the duties provided by 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 2024-04-07 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: FL

Complaint narrative:
It is illegal to report transaction history. Reports containing solely information related to transactions are to be excluded from a consumer report and undermine my privacy rights and withdrawn consent. The mailed and unaddressed letter listing the offending accounts is attached. No action has been taken by the CRAs in spite of the duties provided by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Union Home Mortgage Corp
State: KY

Complaint narrative:
I entered into a forbearance on my home mortgage in XX/XX/XXXX due to the loss of XXXX. My mortgage company assured me that if I did this, I would not be reported to credit reporting agencies as late payment. It was my only option to save my home and make it until my next job started. 

Beginning in XX/XX/XXXX they began to ask for documentation due to the forthcoming end of the forbearance period - paycheck stubs from my new job, bank account statements, explanations of all deposits and withdrawals, etc. I did this for them no less than XXXX times, and they continued to tell me that I had to send them the same stuff again and again and again.

My forbearance was set to end with a regular monthly payment on XX/XX/XXXX. I see that they have not yet taken out that payment. My mortgage account is set for auto payment and that can not be changed. I have not made a manual payment because I know that as soon as I do, they'll process the auto payment set up on my account and I'll be out twice my monthly mortgage, which I can not afford.

Today I noticed that they've now reported me as " seriously delinquent XXXX XXXX days '' for this entire forbearance period, despite their own policy that they
will not do so during a hardship.

My decision to get my mortgage from this company was the greatest financial mistake of my life- they have continually found ways to increase my monthly payment due to their own constant mistakes. They need to remove this from my credit report, to process the auto payment for XX/XX/XXXX that my account is set up for, and to apologize.

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 2024-04-07 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: Credit Karma, LLC
State: KY

Complaint narrative:
On XX/XX/XXXX, I saw an advertisement on Credit Karma for the XXXX XXXX XXXX XXXX. The card had a massive " Karma Guarantee '' banner on it ( see attached screenshot 1 ) that prominently guaranteed that I would be approved for the card, or I would receive {$50.00} from Credit Karma. 

The following day, on XX/XX/XXXX, I applied for the XXXX XXXX XXXX XXXX through Credit Karma, backed by the Credit Karma Guarantee. My application was rejected by XXXX. ( see screenshot XXXX ) Credit Karma knew that I was immediately rejected for this card because they removed the " Karma Guarantee '' from this card and lowered my approval odds for that card to " Fair ''.

I quickly learned that there was no way to apply for the Karma Guarantee. Credit Karma told me that I would receive an email if I qualified. However, I obviously qualified since I was rejected but I never received any follow up emails from Credit Karma. 

I ended up contacting their customer service ( see screenshot XXXX ) about this issue. They copy and pasted something in response that was not helpful. Eventually, someone escalated this issue and requested my adverse action letter, which I provided ( see screenshot XXXX ). 

After they received my adverse action letter, they told me that I qualified for the Karma Guarantee and I should receive an email from XXXXXXXX XXXX XXXXo claim the reward. ( see screenshot XXXX ) This email never came, and customer service was incompetent or unable to assist in claiming my reward. It doesn't appear that Credit Karma is acting in good faith to pay out these Karma Guarantee rewards. I have read many online posts about people not receiving their Karma Guarantee payments. 

I attempted to contact Credit Karma customer service again and they originally copy and pasted the same response several times about the Karma Guarantee. Eventually, they told me " It looks like your case XXXX is still open. The specialized department is already working on it. '' They ceased any further communication and wouldn't respond to new tickets opened about this issue. 

Credit Karma recently entered into a {$3.00} XXXX settlement with the FTC around a very similar issue ( XXXX XXXX XXXXXXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: MO

Complaint narrative:
I recently reviewed a copy of my credit reports and noticed I had a fraudulent accusation on XXXX XXXX and Equifax. Please remove the accounts from the 2 credit bureaus mentioned they are hurting my ability to obtain credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 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: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
On XX/XX/24 I sent a XXXX day letter to XXXX accounts on my credit burea requesting validation and proof that debt is mine via certified mail. 

XXXX XXXX XXXXXXXX LVNV ( XXXX report )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I over drafted the account a certain amount and was assessed XXXX dollars in fees within XXXX business days although bringing the account current on several attempts. They then feed me additionally after transferring money without giving me any fees back that would have brought my account into the current. They do not honor their grace period and often fee me early or without warning.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-07 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: PA

Complaint narrative:
I HAVE DISPUTED THIS ON THIS DATE, AND SENT THEM THIS LETTER ON XX/XX/2024. UNFORTUNATELY, THE INCORRECT INFORMATION AND ACCOUNT IS STILL SHOWING IN MY CONSUMER REPORT.. 


BELOW IS THE SUMMARY OF DISPUTED ITEM/S : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 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:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2024-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
I was scammed by a person thru Venmo and immediately contacted Venmo to help me stop the transaction ( they refused to help and instructed me to continue to reach out to the scammer in hopes it was a misunderstanding ). Needless to say, the transaction proceeded however I contacted my bank and stopped it on my end. Venmo proceeded to lock my account ( which prevented me further communication ). Venmo is now reporting me to a debt collector l! I have copies of all email exchanges with Venmo proving I was doing my due diligence to correct this and now I need help form you getting this resolved! I have no desire to ever have a Venmo account again they are useless in helping the innocent!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 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:
The Credit Reporting Agencies are reporting negative and fraudulent information about me on my consumer report without my consent while at the same time tarnishing my reputation. The Credit Reporting Agencies are also violating my consumer rights 15 U.S.C. 1681b permissible purpose of a consumer report. I have no contract with any of the Credit Reporting Agencies ; XXXX, Equifax, and XXXX to report any negative information about me to any corporation and I do not wish to contract with XXXX, Equifax, and XXXX. I never gave XXXX, Equifax, and XXXX written consent to report anything on my consumer report. No consent equal fraud, which XXXX, Equifax, and XXXX is committing, FRAUD!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year> I called to make payment on the XXXX credit card and the XXXXXXXX XXXX. The XXXX card payment was successful, however when trying to make rhe XXXX XXXX it was like pulling teeth. The initial associate advised a payment could be made and I asked to speak with a supervisor. I then spok with the manager XXXX who was very condescending and accusatory. I tried to share with her my situation with the fraud and she began sharing how I had a returned payment. To be clear I have NEVER had a return payment from my account. NEVER, and it was disheartening to hear. In addition, I have NEVER been late in payment during the life if this card because I have always had auto pay setup. The purpose of this complaint is to please refund the late fees and to please educate the leaders and associates on soft skills. 

XXXX XXXX fraud supervisor Rude/ condescending XXXXpayment will not post until Tuesday XXXX XXXX XXXX interest XXXX fee- please refund XXXX fee- please refund

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
To whom it might concern Bank of America have open an account and someone spent it and I need them to erase the charge and send me a new card with new number or close it. I been paying for a charge that is not mine and need them to fix that or I will have to take it to court. I would apriciate if Bank of America takes that charge of XXXX and the credit card is only for XXXX and it was opened XXXX XXXX .. that account I did not spent XXXX that the bank is putting there so please erase the charge that was in another state and God knows who did it.

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 2024-04-07 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:
It is illegal to report transaction history. Reports containing solely information related to transactions are to be excluded from a consumer report and undermine my privacy rights and withdrawn consent. The mailed and unaddressed letter listing the offending accounts is attached. No action has been taken by the CRAs in spite of the duties provided by 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 2024-04-07 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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-04-07 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: Self Financial Inc.
State: OH

Complaint narrative:
On XX/XX/24 I sent a XXXX  day letter to XXXX accounts on my credit burea requesting validation and proof that debt is mine via certified mail. 

Self financial XXXX XXXX ( XXXX report )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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:
The Credit Reporting Agencies are reporting negative and fraudulent information about me on my consumer report without my consent while at the same time tarnishing my reputation. The Credit Reporting Agencies are also violating my consumer rights 15 U.S.C. 1681b permissible purpose of a consumer report. I have no contract with any of the Credit Reporting Agencies ; TransUnion, XXXX, and XXXX to report any negative information about me to any corporation and I do not wish to contract with TransUnion, XXXX, and XXXX. I never gave TransUnion, XXXX, and XXXX written consent to report anything on my consumer report. No consent equal fraud, which TransUnion, XXXX, and XXXX is committing, FRAUD!

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 2024-04-07 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: PA

Complaint narrative:
I HAVE DISPUTED THIS ON THIS DATE, AND SENT THEM THIS LETTER ON XX/XX/year>. UNFORTUNATELY, THE INCORRECT INFORMATION AND ACCOUNT IS STILL SHOWING IN MY CONSUMER REPORT.. 


BELOW IS THE SUMMARY OF DISPUTED ITEM/S XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief