vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-27 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: TN

Complaint narrative:
XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXXXX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX XXXX XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX XXXX XXXX THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX, Experian, and XXXX have violated my rights. 

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 an 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 or 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 data is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Incomm Holdings Inc.
State: AL

Complaint narrative:
I received a Vanilla gift card from my employer that included a bonus due to me from my employer. The amount of {$120.00} was put on hold by the company and never released. After several attempts to receive my money either on a virtual gift card or a physical card, I have received neither.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
Onemain had stated the following. " The Gramm-Leach-Bliley Act and related regulations expressly exempt credit reporting to a consumer reporting agency from the protections around disclosure of consumer information to third parties. There is no right to opt out of this reporting. '' This is false as I am able to revoke consent at any time pursuant to 16 CFR 313.7 paragraph ( e ) and paragraph ( f ). Onemain has also stated that once a year they send me a notice to opt out in order for them to comply with GLBA in other words 15 U.S. Code 6802. However, I have NEVER received a notice to opt out and when I exercised my right to opt out they have completely denied me my right to privacy. See attached exhibits. They are still reporting this information against the consumer 's wishes. Additionally, the Fair Credit Reporting Act requires that furnishers of information send a written notice to the consumer when they are going to furnish negative information in the attached exhibit, they claim that they sent this notice. But I have NEVER received this notice which violates the FCRA. If this company believes that they have sent me a notice to opt out and a notice of furnishing negative information then I demand proof. Provide a certified mail with green receipt that bears my signature. Please note that the certified mail green return card with my signature must be at least XXXX business days prior to the reporting of information and the right to opt out notice that you send " annually '' in my billing statement must also have the certified green receipt with my signature as proof that I received these documents. If you can not provide these documents then remove this information from my consumer reports immediately or I will seek legal action for all these violations including FDCPA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX, I called to remove the authorized user from the account and was told they could remove the user but they couldn't remove it from her trade line and she would have to call to do it herself. I told them this didn't make sense and to let me speak to a supervisor or someone with more knowledge. After I asked this 3 times, the customer agent who answered the phone pretended that she was transferring me and instead, she hung up on me. So I called back and closed the entire account. It's a lot of hoops for nothing. The authorized user never even used the card in 5 years and there is no reason to have someone else call back to do something that I was already telling them to do as owner of the account. The attempts to try to trick people into keeping accounts is insane. This is a service that should have been allowed via the online portal anyway instead of making me call about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 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: CA

Complaint narrative:
I have several inquiries I did not authorize and would like them removed asap I also have a closed collections that is not mine and I do not have knowledge of I have attached copies from 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 non-monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I received a letter from Citibank/Best Buy regarding my account- the letter stated that my account would be closed due to recently updated information on my credit report. I called the creditor and asked what was going on. The lady who I spoke to explained that my account was being closed due to a late payment from a different creditor being updated as 30 days late- I explained to the lady that the late payment from the different creditor was incorrect, it was a system error and it's being updated soon- I also explained I had documentation to prove it. I explained that if she reviewed my credit report holistically that she would see the dispute and the remarks. She became rude and said " Well, okay- the account would have still closed because the credit usage is high '' - I then explained, it's high because my credit limit was dropped by their company and that I haven't paid the balance off because I am on a promotional plan. She became VERY aggressive and short with me saying that NO MATTER WHAT the account was going to be closed because I am a " risk ''. I explained that I have had my account with the company for YEARS, I have never paid LATE, and I have made several purchases with my card and I have NEVER had these issues until the late payment ( Which is NOW removed and updated on my report ) was added. She refused to listen- she did not attempt to assist me with an appeal of anything. PLEASE PULL THIS CALL. - The rep 's name I spoke to was XXXX ID # 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 2024-03-27 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: NY

Complaint narrative:
I received a email that said someone checked my credit report on XXXX XXXX.But without my permission. Then I log in to my XXXX account to find out what is going on. I found that someone submitted a credit card application on XXXX XXXX. And also I found that there are XXXX Bank of America credit card on my credit report that I never applied. And some address I never lived. And my first name was wrong. I called Bank of America immediately to make sure what was happening. But they told me that none of credit card was under my name. I dont know what is wrong? Those credit card are on my credit report. I also called XXXX XXXX, they said yes, someone submitted a credit card application on line. I told them I never applied it. Then they told me they would cancel it. I called the XXXX too. They told me I have to get a report from ftc.gov.And I tried to dispute those credit cards I never applied and the addresses I never lived. And I dispute the name.

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 2024-03-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: IN

Complaint narrative:
Recently Mohela changed systems. This was a disservice to everyone for many reasons. First, they got rid of the app, which was the best and easiest thing about the service. Second, when I had to recreate my account ( today ), I can't access anything and they don't seem to be able to help me. Third, I no longer have access to my payment history. It is not in the new system ( that I can't access ) per the servicer. Fourth, they have yet to credit my account with my last payment. Fifth, they changed my payment terms, which I don't disagree with. They said it was because of the forbearance and COVID and the terms need to be reassessed. Fine. But they couldn't tell me how often this would occur to ensure my loans are paid within the term even though it is a " system routine check '' and a " periodic check '' which implies some sort of regular process. They refused to give me an answer. This lack of transparency is wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-03-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Alorica Inc.
State: FL

Complaint narrative:
This company is non stop harassing its customers. Go to XXXX and you will see the amount of complaints. This company took over servicing loans from XXXX XXXX. We were told by XXXX XXXX that anyone on autopay would continue to be on autopay, nothing was required on our end. This company continues to take the payments on a regular basis ( I have the transactions to provide it ). Yet, they text and call and email multiple times a week asking you to make a payment, telling you you missed payments, REPORTING late payments. It is beyond unethical and honestly, I cant believe they have any legal ground to do this. It is beyond harassment at this point. They false credit reporting itself should be enough to shut this place down forever.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I received a letter from XXXX XXXX regarding my account- the letter stated that my account would be closed due to recently updated information on my credit report. I called the creditor and asked what was going on. The lady who I spoke to explained that my account was being closed due to a late payment from a different creditor being updated as 30 days late- I explained to the lady that the late payment from the different creditor was incorrect, it was a system error and it's being updated soon- I also explained I had documentation to prove it. I explained that if she reviewed my credit report holistically that she would see the dispute and the remarks. She became rude and said " Well, okay- the account would have still closed because the credit usage is high '' - I then explained, it's high because my credit limit was dropped by their company and that I haven't paid the balance off because I am on a promotional plan. She became VERY aggressive and short with me saying that NO MATTER WHAT the account was going to be closed because I am a " risk ''. I explained that I have had my account with the company for YEARS, I have never paid LATE, and I have made several purchases with my card and I have NEVER had these issues until the late payment ( Which is NOW removed and updated on my report ) was added. She refused to listen- she did not attempt to assist me with an appeal of anything. PLEASE PULL THIS CALL. - The rep 's name I spoke to was XXXX ID # XXXX. Please be sure to coach her on customer service, relating, and just overall checking for understanding.

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 2024-03-27 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: TX

Complaint narrative:
XX/XX/2024 EQUIFAX INFORMATION SERVICES LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX : Dispute of Incorrect Information on Credit Report Dear Sir/Madam , I am writing to dispute inaccurate information on my credit report. Upon reviewing my credit profile, I discovered that there is a debt and a Social Security XXXX reported that do not belong to me. The details of the erroneous information are as follows : Creditor Name : XXXXXXXXDEPT OF ED Creditor Name : XXXXDEPT OF ED Account Number : XXXX Account Number : XXXX Incorrect Social Security Number : XXXX I can confirm that I have never held an account with XXXXDEPT OF ED, nor do I recognize the Social Security Number associated with this account . It appears there has been a mix-up or identity theft issue, as this information does not pertain to me in any way. 
I request that you conduct a thorough investigation into this matter and promptly remove the inaccurate information from my credit report. Additionally, please provide me with written confirmation once the corrections have been made. 
Enclosed are copies of documents supporting my identity, including my drivers license and Social Security card, for your reference. 
Thank you for your prompt attention to this matter. Please inform me of any further steps I need to take to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My scores on Equifax was not showing on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-03-27 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: EQUIFAX, INC.
State: MD

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX & Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.

Company response to consumer: Closed with explanation