vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX, TX XXXX XXXX : XX/XX/year> XXXX XXXX Experian XXXX XXXX XXXX, TX XXXX XXXX Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate of unverifiable information ( A ) general if, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate of incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the file of the re-investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following item ( XXXX ) from my report, immediately : Account : XXXXDept of Ed XXXX XXXX XXXX | {$66000.00} -This account is being reported inaccurately, please remove this from my credit report immediately.

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 2024-12-19 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have this bank account for years it's with fifth third bank But everytime I login into other devices they call me for verification Today I give my sister my bank account login to make a deposit Just because she login into a different type of devices they said they will closed that accounts They were asking me questions I said yes I gave her access to that account They still want to close it I need some help please because that's the only bank account I have Every payment is on it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
Upon signing the contract XXXX I indorsed the contract without recourse, I also sent a payment instructions with the contract stating I would be using the principal 's security interest to cover all debts owed on this contract as the principal is owed interest. on XX/XX/XXXX I returned the first interest check to XXXX XXXX FOURSIGHT CAPITAL LLC XXXX XXXX mail. payment due date XXXX. On XX/XX/XXXX, and the XXXX I received phone calls from their debt collections dept. I explained the process having no results, filing a complaint in my opinion is the best cause of action. I know the vehicle was paid for twice, XXXX time by way of the credit application then again by way of the contract. I have also sent XXXX XXXX XXXX, FOURSIGHT CAPITAL LLC several communications,1st attempt revoking my consent to allow FOURSIGHT CAPITAL LLC rights to the principal 's security interest stating my claim to the principal 's security interest and to use this interest to cover all debts owed on this contract, agreeing to return the bill of exchange to reimburse the account monthly. Second attempt sending the first bill of exchange with a second notice of claim to the principal 's security interest with tender of payment and payment orders, advising them to transfer the principal 's security interest to the principals account for set-off to a XXXX balance, sent certified mail on XX/XX/year>, return receipt requested. my instructions have been ignored. The principal 's security interest has not been transferred to set off the principals account to a XXXX balance as ordered by the consumer. I was instructed today XXXX that the vehicle could possibly be repossessed if I did not comply. as the consumer understands the law any over performance would be considered an overpayment by way of sending the bank additional funds. I would like FOURSIGHT CAPITAL LLC to follow the law and transfer the principal 's security interest to the principals account monthly as instructed by the consumer monthly for account set-off.as described in the Bill of Exchange act. As I stated above this Vehicle has been paid in full according to the Federal Reserve Act sec.16 and 18 USC 8. The Consumer 's job is to perform by way of the Bill of Exchange which I fully intend on doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: OR

Complaint narrative:
In XXXX of 2024, I was approached by a friend regarding an investment opportunity involving trading through bitcoin. Her name is XXXX although I am not positive that is her real name. She communicated with me using the XXXX app and showed me how to create an account with XXXX. I followed her instructions and created my account. Hesitant to invest too much I began with a small amount- {$200.00}. She showed me how to deposit the funds using CashApp to purchase XXXX and deposit the credit into my XXXX account. Once the money was deposited she showed me how to enter into trading - instructing me on which market to join and when. I did so and turned what I believed to be a profit. We did this a few more times and I became confident in her methods as my account balance continued to increase. Over the course of several months I deposited nearly $ XXXX took out a couple high interest loans expecting I would be able to pay it back once I withdrew funds. I accrued nearly {$200000.00}. However, when I went to withdraw my funds I received a prompt indicating I had an insufficient credit score to withdraw- that I must have deposited over {$20000.00} before I would be eligible for a withdrawal. I contested this and contacted customer support but they said the same thing. I attempted to withdraw the money again but this time directly into my checking account. I then received a message saying I was flagged for money laundering an that I must deposit an additional {$20000.00} to remove the flag from my account. It was at this point I began to wonder if I would ever get my money back. I tried time and time again to speak to customer support to resolve the issue but they again told me the only way to lift the flag is to deposit more money. 
I reached out to various agencies to submit complaints but none were able to take my case. I now have loans with high interest rates that I can not afford to pay and funds that were taken that I can not retrieve. This is criminal. 
I have bank statement, CashApp transactions, and screen shots from the app. I will include examples

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ULRS, Inc.
State: AZ

Complaint narrative:
I received a letter last week from a credit collection bureau called United Legal Group ( ULG ) saying that I owed {$3300.00} to H and M Law Firm PC. It was Saturday that I read the letter, I thought someone might have stolen my identity and that's why I was receiving this letter because I have never received law services. On Monday I get a call from a number, It was from ULG and they called to tell me about the debt I owed. They asked a few questions to confirm my identity but they had my date of birth wrong, my email address wrong, and my middle name wrong. I told them I wasn't the person they were looking for and they said they would contact H and H Law Firm to let them know about this because I was clearly not the person they are looking for. They also asked about an address and a person which I told them I didn't know. They did have the last 4 numbers of my social security number ( SSN ) right and another address were I used to live was right. Today XX/XX/year> they called back and I thought it would be to tell me that they had the wrong person and I didn't owe this amount, but they told me the law firm confirmed my date of birth and now they had my correct date of birth ( DOB ), SSN, and email address. They told me I owed this amount and I said they were wrong because I've never required law services or been represented in a court room. They kept saying I would be sent to collections and my credit score would be affected, which scared me but at this point I realized it was a scam. I also asked if I could get in contact with the company and they said they were in charge of collecting the debt. I hung up and didn't give them more info but they already have my name, DOB, SSN, and email address. I was also sent an email with some links, I didn't click on the links but there was a PDF attached with my address and my name which has a wrong middle name. I've uploaded the PDF and a screenshot of the email I receive with a " business card '' of the person that called me, her name is supposedly XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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:
Consumer Name : XXXX XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal loan account opened at XXXX, XXXX on XX/XX/XXXX under the account number XXXX. This account have resulted in several fraudulent Charge Off appearing on my consumer XXXX credit report with a balance of {$1600.00} that appears related to the aforementioned personal loan account opened at XXXX, XXXX. This account have resulted in several fraudulent hard inquiries in the past, fraudulent collections and fraudulent Charge Off appearing on my consumer FICO credit report. I do not recognize the aforementioned account, collection or Charge Off related to this account as reported. The aforementioned account, collection, and Charge Off appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account, collection and Charge Off are the result of Identity Theft and Fraud. I have attached an Affidavit of Truth regarding the fraudulent XXXX, XXXX accounts and also i have attached copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account, collection, and Charge Off are the result of identity theft and fraud. Please Remove and Delete this account from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation information under 12 CFR 100634 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. I have made an attempt to fix these issues previously. They are. violating my rights. I am entitled to monetary compensation for the multiple listed violations. There are two things they can do, delete the accounts effective immediately or they can compensate me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: NY

Complaint narrative:
My wife went to the emergency room by XX/XX/year> waited over XXXX hours in the waiting room ( lobby ) and than she left without been admitted or receiving any care! Again she just check in and waited but, has never been admitted! She returned home and in the morning took a cab and went to XXXX XXXX XXXX to get the care she needs! I have their claim that was paid by my BCBS insurance! Now CMRE financial representing " Hospitalist Physicians of New York trying to make us to pay for a " fraudulent charge '' since she was never admitted at that facility and she " left '' after waiting in pain for near XXXX hours! My insurance said they requested many times the medical records for the " care " administered to my wife but, they never provided it and the claim were denied!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: ID

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


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-12-19 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: ID

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


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-12-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
To whom it may concern, I hope this email finds you well. I am writing to address an issue Ive noticed regarding my federal student loans, which are currently serviced by Nelnet.

Previously, I was enrolled in the SAVE repayment plan. Recently, I was put in forbearance. To my understanding, under the provisions of both the SAVE plan and forbearance, I should not be incurring interest on my loans. However, upon reviewing my loan statements, I have noticed that interest has been accruing, contrary to my expectations. 

I would appreciate a detailed explanation or confirmation of how interest is being calculated in my current situation, as well as any steps I need to take to resolve this issue promptly. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: LA

Complaint narrative:
First of all the landlord participated in the stealing of my XXXXXXXX XXXX XXXX XXXXXXXX XXXX by throwing all our belongings to the curb except my tvs and changed the locks so that I could not get them I'm seeking advice on if I can pursue charges on the landlord for theft. There is also the fact that she re rented the apartment a couple weeks if it was that long which meditation of losses relieves the past renter of paying for month to month cost of rent. I ask that they provide when she began to make money again on the apartment she evicted us from. And why was there a collections submitted for payment of the actually rent for the remainder of the lease and why is there no account for this in the balance that the collection agency is reporting inaccurately. Remove this account and the bogus collection attempt due to misrepresentation of facts not applying the laws that government meditation of losses and trying to undermind the consumer with these trucks in the hope the consumer knows no better. Show me the original copy of the rental agreement the contract that we have that allows for you to report that I owe you anything I look forward to the information on the re rental of the property and really look forward to seeing how you came up with the total and if my tv were taken and brand new what was subtracted from what I really may have owed are what I'm owed by the landlord for the theft of my property. And the locking me out to keep me from getting what was mine I attend on filing charges for theft of my property because it clearly didn't go as to pay anything I may have owed because the re rent began very soon after I was illegally evicted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
Today I received my XXXX debit card through money network. I opened the envelope and tried to activate it and it wouldnt work. When I called they said someone already activated it and spent money. This card is fresh from the envelope that only means a XXXX  XXXX XXXX  stole the info before sending it out. Im now fileing disputes and have gone almost XXXX  months without money. Im filling this and with other agencies after looking online and finding this happen to multiple people.

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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX 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 Subject : Request for Removal of Inaccurate Charge-off Information Dear Experian, I am writing to formally dispute the accuracy of certain information in my credit file, as permitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ), I have the right to dispute inaccurate information, and the credit bureau must investigate my claim within 30 days. If the charge-offs can not be verified as accurate and complete, it must be removed from my credit report Additionally, Section XXXX of the FCRA ( 15 U.S.C. 1681s-2 ) requires data furnishers to provide accurate information. If this account can not be validated as accurate and complete by the original creditor, it should be deleted promptly. 

I have attached the following documents to support my request : A copy of my credit report highlighting the disputed charge-off Please conduct a thorough investigation and provide me with written confirmation of the findings. If the charge-off is removed, kindly provide me with an updated copy of my credit report reflecting this change. 

Thank you for your attention to this matter. I look forward to your prompt response. If you have any questions, I can be reached at XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$2200.00} Sincerely, 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
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
HELLO. IT HAS BEEN BROUGHT TO MY ATTENTION THAT THERE IS AN EVICTION UNDER MY NAME IN MY BACKGROUND CHECK/ TENANT SCREENING BECAUSE OF A COMPANY CALLED XXXX XXXX XXXX XXXX XXXX XXXX 
I DO NOT UNDERSTAND WHY BECAUSE I NEVER LIVED AT SUCH COMPANY NOR HAVE I EVER BEEN EVICTED. I NEED THE EVICTION DELETED FROM MY NAME IMMEDIATELY. I HAVE NO ASSOCIATION NOR HAVE I EVER BEEN EVICTED. ACCORDING TO THE FAIR CREDIT REPORTING ACT, SECTION XXXX ( a ) ( XXXX ) ( A ), YOU ARE REQUIRED BY FEDERAL LAW TO VERIFY - THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT - ALL ACCOUNTS YOU POST ON A CREDIT REPORT. OTHERWISE, ANYONE PAYING FOR YOUR REPORTING SERVICES COULD FAX, MAIL OR EMAIL IN A FRAUDULENT ACCOUNT. 
I DEMAND TO SEE VERIFIABLE PROOF ( AN ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT ) YOU HAVE ON FILE OF THE ACCOUNTS LISTED BELOW. YOUR FAILURE TO POSITIVELY VERIFY THESE ACCOUNTS HAS HURT MY ABILITY TO OBTAIN CREDIT. UNDER THE FCRA, UNVERIFIED ACCOUNTS MUST BE REMOVED AND IF YOU ARE UNABLE TO PROVIDE A COPY OF VERIFIABLE PROOF, YOU MUST REMOVE THE ACCOUNTS LISTED. I DEMAND THE FOLLOWING INQUIRES REMOVED IMMEDIATELY

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 2024-12-19 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief