vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
The XXXX XXXX Pandemic destroyed me personally as well as my business. I never requested any free money through the PPP program or through unemployment insurance payments. My business was shut down, out of business for XXXX full years. Your financial institution received millions of dollars for offset losses from either PPP funding or direct payments from the U.S. Department of Treasury. Yet I as a little part of the economy has suffered permanent destruction to her credit. This was and is unfair. I believe that your institution should dismiss my balance altogether. Your institution could send out a 1099C in exchange for the write-off. I see no other way out of my situation other than a XXXX  XXXX filing. I pray that your institution can see through my problem and extend to me a complete write-off from any current indebtedness. Thank you. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 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:
Please promptly remove the public record currently appearing on my credit report. I have provided supporting documents for my request and appreciate your swift attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: CO

Complaint narrative:
On XX/XX/year>, someone sent a text to me claiming to be chime. This individual then called me claiming my account was hacked. While he was explaining to me that my account was hacked, they proceeded to log into my account and pull my card information. 
By the time they were doing that they put the card on a XXXX XXXX under XXXX XXXX and sent XXXX transactions to him ranging from $ XXXX {$9.00} in the full amount {$990.00}. As soon as I noticed what was going on I hung up the phone and called chime to cancel the card. You can see by the documentation I have provided screenshots and a police report as well as an email from XXXX XXXX showing my card was connected to this persons XXXX XXXX without my approval. I have called MANY times, but chime team thinks it is a legit transaction which it isnt. I have filed a dispute about XXXX times with chime from XXXX to XXXX. I am taking additional action as I would like my money back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 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:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-04-29 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I would like to remove my hard inquiries from my credit report with 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 2024-04-29 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: OneMain Finance Corporation
State: NY

Complaint narrative:
I would like to remove my hard inquiries from my credit report with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: NV

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
The XXXX XXXX XXXX destroyed me personally as well as my business. I never requested any free money through the XXXX program or through unemployment insurance payments. My business was shut down, out of business for XXXX full years. Your financial institution received millions of dollars for offset losses from either XXXX funding or direct payments from the U.S. Department of Treasury. Yet I as a little part of the economy has suffered permanent destruction to her credit. This was and is unfair. I believe that your institution should dismiss my balance altogether. Your institution could send out a XXXX in exchange for the write-off. I see no other way out of my situation other than a XXXX XXXX filing. I pray that your institution can see through my problem and extend to me a complete write-off from any current indebtedness. Thank you. 
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 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Greeting these inquiries where made without my consent to pull my credit and violated the fairs credit act and asking for removal XXXX XXXX XXXX Date : XXXX Inquiry Type : Auto Financing XXXX XXXX Date : XXXX Inquiry Type : XXXX XXXX XXXX XXXX Date : XXXX Inquiry Type : Credit Unions XXXX  Date : XXXX Inquiry Type : Bank Credit XXXX XXXX XXXX XXXX : XXXX Inquiry Type : Credit Unions XXXX XXXX XXXX : XXXX Inquiry Type : Credit Unions XXXX XXXX XXXX : XXXX Inquiry Type : Credit Unions XXXX XXXX XXXX : XXXX Inquiry Type : Credit Unions XXXX XXXX XXXX : XXXX Inquiry Type : Credit Unions 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 2024-04-29 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: LEXISNEXIS
State: NV

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 response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Advance America, Cash Advance Centers, Inc.
State: KS

Complaint narrative:
We got a call about a loan they said we made. We told them we did not take out a loan. We reported this all to the police and put a hold on all of the credit reporting sites. The company, Advance America, told us they understood it was fraud and would not bill us. Now we are getting letters threatening to put it on our credit report and they are charging fees because whoever took the money has no intention of paying it back. All they have to do is find out who owns the account they sent the money to. Or do a better job of vetting people they are handing out money to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Buffaloe & Associates, PLC
State: TN

Complaint narrative:
Buffalos & Vallejo plc is trying to sue me for fraudulent charges. I have repeatedly tried to tell them this was my ex husband and it was reported to the fraud agency. They stated they do not care that I am XXXX and they are still taking me to court. If you pull on of the XXXX I called them, in their system that have terrible notes written about me as well which the lady let slip out. This is a XXXX parting trying to sue me for my ssdi while the creditor who sent it over has dropped the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As a matter of fact, XXXX was investigated by XXXX XXXX XXXXXXXX? XXXX -- XXXX Because of the numerous claims of fraud and misconduct perpetrated by these online for profit schools, such as XXXX, I was able to file a Borrower Defense claim with the Dept. of Education against XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and my Fed. loans of over {$200000.00} were discharged and my credit repaired. 
My XXXX XXXX Claim was also part of the XXXX XXXX XXXXXXXX settlement for which I was a full class member. 
I am aware that Navient was sued by XXXX state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were XXXX " preferred '' lending company in a " deal '' with these schools during the early XXXX XXXX. These private loans with a high risk of default were part of a package deal offered to " for profit online schools ''. But loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least XXXX for profit online schools. After the XXXX settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of XXXX payments XXXX could have enrolled in, but instead steered toward forbearance? Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 
I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed XXXX XXXX claims against their schools and were approved. This application is a sham. Why do we need to prove anything? Navient knows who we are. Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with online for-profit schools. Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. XXXX XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: NC

Complaint narrative:
i reviewed my credit report and i seen some unauthorized auto loan, credit card and hard inquiries i did not apply for which violates my rights under 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding includes ; expect as provide in section 15 USC 1681g ( a ) ( 5 ) of title, a consumer reporting agency shall not furnish to any person a record of inquiries in collection with a credit or insurance transaction that is not initated by a consumer inquiries : 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

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 2024-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
The vehicle that is related to this loan was stolen almost 3 years ago. After a highly numerous attempt of contacting the car agency and loan company, I have been unsuccessful trying to get this loan off my credit report. Not sure on how to move forward. Hoping this will allow me to get the report to the company and get this debt off my 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 2024-04-29 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: Diverse Funding Associates LLC
State: MI

Complaint narrative:
I was looking to apply for a XXXX XXXX XXXX  and notice damages on my credit report. According to the 15 USC 1681 law their should not be any damages on my report and is a defamation to my character

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 2024-04-29 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: MI

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-29 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: MI

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-04-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Based on the proof of electronic payment from XXXX XXXX 
XXXX sent on XX/XX/2023 to the payee account number XXXX with transaction ID XXXX for {$800.00}. 

The biller 's name was American Express with address XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

I attached proof of payment from XXXX. Please investigate account XXXX for XXXX XXXX. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
Service-connected veteran, started the sale of my home XX/XX/year> using the V A Home Loan Assumption option due to my fantastic rate of 1.75 % XXXX. Immediately there is hardly any communication coming from Freedom Mortgage. The original closing date of XX/XX/year> was missed. The closing date was extended to XX/XX/year> and this date was missed with no explanation from Freedom Mortgage. It was disclosed later that Freedom Mortgage was understaff after I complained to this company about the service and the lack of communication. I was also informed that Freedom Mortgage had one loan processing officer available and their was a backlog of applications. I was informed that Freedom Mortgage has retained a third party to assist with the backlog of applications. The closing date was extended again until XX/XX/year>. I doubt this will happen as Freedom Mortgage Closing Department was scheduled to go out to the residence on XX/XX/year> and did show up. There has been no communication as to the missed CD visit to the home. I currently await a response from the current assigned loan processor as to when the closing will be finalized. I researched this company Freedom Mortgage and learned Consumer Financial Protection Bureau has already fined the company {$1.00} XXXX and issed an order to clean up their deception mathematical numbers they have been reporting, as well as submitting applicants race as white, when the applicants are not white, as well as paying for mortgage lender referrals. Please Help this VETERAN.

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 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am frustrated because I am being taken advantage of by this credit bureaus. I have filed a dispute of inaccurate that is reporting incomplete information. Incomplete information is inaccurate and thereby not supposed to be on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with non-monetary relief