vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Global Lending Services LLC
State: MD

Complaint narrative:
on the XXXX of XXXX, 2024, We requested XXXX XXXX  to pursue an auto loan with XXXX, XXXX XXXX, or XXXX. However, they instead applied to Global Lending Services. Upon discovering this, we promptly notified both Global Lending and XXXX XXXX  within XXXX hours to discontinue the loan process and instructed XXXX XXXX not to make any further applications on our behalf. The loan application was subsequently declined and closed, with Global Lending confirming the decline and closure of the loan application and offering their apologies in writing. 

In XXXX, we were taken aback to receive an invoice from Global Lending for a new loan, with a new loan account purportedly established on XX/XX/year>, while I was abroad. Global Lending claimed to have spoken with someone from XXXX XXXX  who identified as my husband, which is inaccurate. We believe that our personal information has been compromised and that XXXX XXXX conspired with Global Lending to fraudulently create this loan in our name, as we have never discussed any loan details with Global Lending at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc.
State: CA

Complaint narrative:
The information is correct except there is a name by XXXX XXXXXXXX XXXX Which its not me.

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 2024-10-08 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: FL

Complaint narrative:
DUE TO XXXX, THESE ACCOUNTS WERE CREATED WITHOUT MY 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 explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-10-08 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: MoneyLion Inc.
State: GA

Complaint narrative:
I am filing this complaint against MoneyLion Inc. regarding their reporting of inaccurate and harmful information on my credit report, which has caused significant financial and emotional damage. 

On XX/XX/year>, I sent MoneyLion a formal notice disputing the accuracy of the information they reported to the credit bureaus regarding the account number XXXX. I cited my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) and requested validation of the alleged debt, which they have failed to provide. Despite my request, MoneyLion continues to report the account as charged off, with a balance of {$430.00}, causing serious damage to my credit score. 

The inaccurate reporting of this account has led to multiple denials of credit, negatively affecting both my personal finances and business. Furthermore, this situation has caused significant emotional distress and damaged my reputation. 

MoneyLion 's reporting is not only inaccurate but also violates the FCRA, as they have failed to correct or verify the debt. Under the FCRA and FDCPA, MoneyLion is required to either provide validation of the debt or cease reporting the account. Their failure to do so has resulted in substantial harm to my financial standing. 

Actions Taken : On XX/XX/year>, I sent a formal debt dispute and validation request to MoneyLion under 15 U.S.C. 1681s-2 ( FCRA ) and 15 U.S.C. 1692 ( g ) ( FDCPA ).

Despite this request, MoneyLion has continued to report inaccurate information, failing to validate the debt or provide a satisfactory response. 
I have not received any communication regarding the requested debt validation, and the erroneous information remains on my credit report, negatively impacting my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-08 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: GA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-10-08 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: MO

Complaint narrative:
I see that TransUnion has removed XXXX off my credit reporting, but I didn't ask for it to be removed and TransUnion didn't listen to me as far as what I asked for as a resolution.

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 2024-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
I had two checks the were deposit. I called them and summitted one of the checks was no good. They check that was correct was for {$1200.00}. Soon as that cleared my account i used the debit card for {$25.00} XXXX. XXXX minutes later the closed the account due to fraud. The check i XXXX talking about was cleared on XX/XX/XXXX. I have called the fraud department over thirty times To have this money sent to me or deposited in another account. The same answer is hey are escalading the issue. I have gone XXXX the branch i which I was told to do By Truist fraud. They were XXXX unable to help since in this status. I was told by Truis fraud to go to the bank that the check was issue. In which I did XXXX XXXX  the check was cashed and posted to the account. Nothing they can do since the money was deposited in the account already. I am not asking a lot just to receive my {$1100.00} back to me which was never returned. Please help. Like i said this has been a nightmare issue. I am looking to file a police report also If i don't get this resolved asap. Thanks to is able to help

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 2024-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fairway Independent Mortgage Corporation
State: DE

Complaint narrative:
On XXXX  XXXX at approximately XXXX, XXXX from independent mortgage called me to receive information on the existing complaint against Fairway Mortgage. She continuously lead the conversation by stating " im trying to get more information to respond to your complaint ''. After explaining my complaint thoroughly and repeatedly, she continued to asked for clarification. I then asked her if there is any way to resolve this because it was apparent XXXX did not call to resolve any issues, her only goal was to make sure she responded to the complaint. I asked XXXX several times if there is anything Fairway could do to assist? " Is there anyone else I could speak with '' I asked, I also asked her if there is any way we could refinance ... she avoided the question, I asked again after she avoided the topic continuously. She never provided any details, direction, or anyone else I could speak with to have this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX I payed a local plumber, XXXX XXXX XXXX XXXX through XXXX to snake my main drain pipe. XXXX way through the job he tells me my pipe is damaged, and it may breaks his snake. He pretends to be affiliated with another plumbing company XXXX  XXXX. He tells me XXXX receive a discount. he helps me calls them, gives over his name to set him self as the referral bonus, then leaves. XXXX XXXX come, and they charge XXXX to snake with a cutter. There was no discount. They take video evidence of what my drain looks like before and after. I tell XXXX XXXX what happens there customer service person tells me to contact my bank and have them charge back the account. 

I call Capital one to intiate an investigation ( Claim ID : XXXX ). 

The claim was denied 3 times, and I was told they can not charge back the money because the merchant ( XXXX ) will not comply. 

I was scammed by someone, and have documented evidence, and not a single person can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: ID

Complaint narrative:
Hello, My student loans are currently being serviced by XXXX I have two direct subsidized loans ( XXXXne balance is {$1900.00} and the other is {$1800.00}. I have one additional XXXX subsidized loan with a balance of {$0.00}. I have TRIED at least XXXX different times in the past year to pay off these loans in FULL starting XX/XX/year> and every time I make a payment in full, the Advantage system says that the payment was " reversed. '' Now, one year later, I owe an additional {$110.00} because they don't allow payments to go through. XXXX XXXX  XXXX XXXX of their service and have researched it and it sounds like this is a known issue. It sounds like they are reversing payments, so they can collect more interest from the borrower. I have checked the bank account numbers and everything is correct. I need to get this resolved though so my loans can be paid off and I can not be charged any more interest. I would also like them to waive the {$110.00} in additional interest since I first made my payment in full almost one year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: PA

Complaint narrative:
On XX/XX/year>, I attempted to have a wire transfer of {$25000.00} from my Laurel Road Bank account to a company XXXX XXXX XXXX XXXX. The wire was on behalf of my friend who asked for a loan to pay for a car.

Laurel road bank requires you to call in to start this transfer, so I did. I was told by the first agent that I would receive two more phone calls to confirm and verify my identify, which I did from other bank staff from their associated bank, Key Bank.

That day my account was restricted and the wire was not set. I was not notified of either happening, and only noticed that I could not access my bank account anymore.

I received a letter in the mail from Key Bank asking to call their fraud team. I called them and was sent a sworn affidavit to fill out and have notarized. The notarized copy was sent and received ( via their own confirmation ) last week.

I have since called Laurel Road and Key Bank countless times over the past 2 weeks, the last time being today, for updates. They continue to say my account is under investigation for an unknown period of time despite having me verify my identity via phone and sworn affidavit. Can you please help me to have my account restriction removed quickly?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment delay due to technical error : I attempted to make the payment on time, but XXXX online payment system was down for several days. This technical issue prevented me from completing the payment within the required time frame. The payment was processed as soon as the system was back online, and therefore, the late payment entry is inaccurate. 
Evidence provided : I have attached bank statements and payment confirmation records, clearly showing that the delay was caused by a system error, and the payment was made promptly once the system was restored. This documentation demonstrates that the late payment was due to external circumstances beyond my control. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Asset Recovery Solutions, LLC
State: IN

Complaint narrative:
I was a customer of XXXX XXXX, formerly XXXX XXXX. The company engaged in misleading, sordid tactics to obtain customers. In XXXXXXXX XXXX XXXX a salesman lied to my family, reporting that XXXX XXXX is a subsidiary of XXXX construction. That they had been around for over 30 years, which instilled false trust in me concerning the stability of their company. They were sued by XXXX construction, and had to change their name to XXXX XXXX within a year. I was talked into buying a solar system for XXXX XXXX, well above normal pricing. But this included an too-good-to-be-true warranty that I thought was worth the extra money. But, the system performed at less than half of what was promised. The company was inundated with lawsuits for fraudulent activity, and ended up having to file bankruptcy. My warranty can no longer be fulfilled. They in no way fulfilled their part of the contract. And the contract could not be fulfilled through normal means as they also stated we must pay the entire tax credit amount back to them within 1 year or we would lose our low rate. No normal family makes enough money to be able to collect the full tax credit in 1 year. I am working with lawyers to take claims to arbitration. My lawyers filed a letter to inform them of this. 
Beyond this, 8 Attorney Generals ( including Indiana ) notified the lenders XXXX XXXX that they should cease collections. 
Instead of ceasing collections they securitized the accounts and we, the consumers, are being collected upon by the assignee trust 's collection agency despite claims of cancelling as a matter of right. Allowing this behavior eliminates the usefulness of the FTC Holder Rule.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Dear Whom Is my concern, I am writing to request validation of the debt referenced in your correspondence dated [ insert date of the debt collector 's letter you received ], which claims that I owe an amount of [ insert amount ]. This request is made under the Fair Debt Collection Practices Act ( FDCPA ).

Please provide me with the following information : 1. The amount of the debt you claim I owe.

2. The name of the original creditor.

3. Documentation that verifies I am indeed responsible for this debt.

4. A copy of any judgment ( if applicable ).

5. A detailed account of any fees or interest that are being added to the original debt.

6. Proof of your authority to collect this debt on behalf of the original creditor.

Until I receive this information, I request that you cease all collection activities and refrain from reporting this debt to any credit reporting agencies. 

Please send the requested documentation to my address listed above within 30 days. If you are unable to provide verification of this debt, please inform me so that I can take appropriate next steps. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: HI

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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