vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-02 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: NC

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 Account Number : XXXX Account Name XXXX Account Number : XXXX Account Name XXXX Account Number : XXXX has violated my rights. Or 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 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.

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I dispute the accuracy of this account. I want to cease and desist because Transworld Systems Inc is not authorized to collect any debt in the state of Pennsylvania. Theyre not registered to do business in Pennsylvania .

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I discovered some fraudulent activity in my transactions while filing my taxes. I filed the claim on or about XX/XX/2023 the claim included almost {$2500.00} in transactions that should not have been included. The claim was denied and so I called and went over the transactions with an operator and resubmitted the claim. The claim was denied 2 or 3 more times each time I had the same 2 hour call removing the transactions that didn't belong. This tells me that there is no investigation happening or the notes would have been read and seen the amount change and the transactions that had been removed but obviously that didn't happen and I know this because the correct transactions are cut and dry fraudulent and will not provide them with a reason to deny the claim. The denials were coming every 2 to 3 days and I find the speed of those investigations odd since they have had this resubmittal now since XX/XX/2023 and still claim to not have an answer. We are well past the 20 buisnesss days and I can't seem to reach anyone accept for operators that are in place to keep the customers from reaching anyone that can help. BofA no longer handles the XXXX accounts so I believe they are just stringing me along hoping I will just give up. This is not the WORLD CLASS SERVICE they claim at the start of every phone conversation I have filed complaint after complaint to no avail I have done all they asked of me I took it upon myself to fax over a couple things that an employee told me may help speed it up and faxed it at a branch of BofA only to have them say I didn't send them and they never received the fax. I then had to go to XXXX store and pay to have them faxed again so I would have a document showing it was received and copied it only took 8 days for them to add them to my claim finally. I didn't want to file this but they have left me no choice I believe they are not intending to pay my claim I don't believe there is an investigation happening at all since they are no longer with XXXX. After this I am going to either file a small claims suit or have a 3rd party arbitrator over see and rule on this issue I am positive that I am in right and simply want what is mine and no more! Thank you for your time.

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 2024-02-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Cash Express, LLC
State: KY

Complaint narrative:
I took out what they call a flex loan kind of like a line of credit loan. During the time of the loan, I became an employee of the company. I submitted new pay stub info everyone working there gets paid on same day so they knew and the XXXX called me at work to confirm. They took out weekly payments from me saying it takes several pay cycles to fix itself. Then she tried taking a payment out a week before our pay schedule. So I stopped payment as its not my pay. Then I got fired and they took the entire remaining balance out of my paycheck. When it was due the XXXX did not call me like she always has and I was not notified they were going to do that. Then the day after I got a letter in the mail that they were doing that. If they got my phone number and always called me before I worked for them and during they should have called me now and that was shady. How can they take a whole balance out of my last paycheck without telling me? I also have XXXX payday loan checks out and they didnt do that to those.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
Was ordered to go to court. The judge cleared it. Still being harassed. Threats to take future property and garnish wages

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 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: 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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 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: CA

Complaint narrative:
Try to obtain my credit report and Equifax says that the information that I'm putting in does not match their system which does that make any sense but anyhow I want to update my profile in the system I have a new number so I am attaching my XXXX bill and verification of my address and the new number that I have my new number is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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:
Violation of the Fair Credit Reporting Act occurs when entities access consumer reports for purposes not explicitly permitted under Section 15 USC 1681b. Such violations include accessing reports without a valid reason, using them for unauthorized purposes, or failing to comply with the Acts guidelines and restrictions. Bankruptcy Court doesnt report Bankruptcy to Credit Bureau . XXXX and others report, and sell personal information. This is a privacy violation even if it is invesigated as accurate. companies like XXXX offer information services that may include data protected by privacy laws, such as the Fair Credit Reporting Act ( FCRA ) in the United States. These laws regulate the collection, use, and dissemination of consumer information to ensure individuals privacy rights are respected and their data is handled appropriately. Any unauthorized access, use, or sale of such protected information may constitute a violation of privacy laws and could lead to legal consequences for the company involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: LA

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 : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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 response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: MOHELA
State: PA

Complaint narrative:
Provided documentation from my institution, proving that I was not enrolled in school during the five years that my loans were placed in in school deferment. 

Mohela reportedly stated that because my loans were obtained prior to enrolling with Mohela that they could not make changes to my loan status. 

Upon communicating with XXXX, my prior loan servicer, they stated that they no longer have my records and Mohela would be responsible for addressing this issue. 

I also filed a complaint via studentaid.gov in XX/XX/2023, regarding this issue and have still not received a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I call and ask them to remove from credit as error and incorrect. They didnt remove it and this information is incorrect. Its against the law for them to be on credit report after I ask them to remove errors and themselves from credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 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: WA

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 XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WA

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 XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 explanation
Consumer complaint received 2024-02-02 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I've contacted XXXX XXXXXXXX in regard to a late payment that they say I've accrued in with them. I've always paid my bill on time which i told them. I also told them the payment there saying I was late was not my fault that my wallet was stolen and had to get another debit card and had to set up my automatically bill pay to the new card which i did. I informed them of my wallet being stolen. I also mentioned to them that I've moved XX/XX/2020. I have put a change of address in with USPS to the address that I've moved to. I've told them that I didn't receive any mail from them pertaining to a payment being due or pass due because of how I set up the bill to be paid on the due day of every month it was due through my auto pay. I've talked to representatives that were promising me that they were going to remove the late payment, but it hasn't been removed. There are some other concerns with other agencies that I've tried addressing with the agencies, but they were not being really helpful when asking for validation. They were being really rude and what seems to me that they were just trying to rush me off the phone or not sending me validation.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: 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 XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or 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 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to file a formal complaint regarding the persistent challenges I have encountered while attempting to remove multiple fraudulent items from my credit file. Despite my ongoing efforts to rectify this matter, these fraudulent items continue to negatively impact my financial stability and creditworthiness. 

Despite my persistent and diligent efforts to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, these fraudulent items persist on my credit file, causing significant financial hardship and impeding my ability to secure credit and financial opportunities. 

I respectfully request the following actions to be taken promptly : A comprehensive and immediate investigation into the fraudulent items in question, including thorough validation of their accuracy with the creditors. 

If the items are found to be fraudulent, their immediate removal from my credit file. 

A written acknowledgment from your agency confirming the correction of my credit file once the issue has been resolved. 

A detailed report outlining the actions taken during the investigation and the resolution status. 

I urge you to address this complaint with the utmost urgency. Timely resolution of such issues is crucial for maintaining the integrity of credit reporting, and I trust that your agency will take the necessary measures to rectify this situation promptly. 

Please acknowledge receipt of this complaint in writing within [ mention a specific timeframe ] and provide a designated contact person with their direct contact information for further communication. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, MO XXXX XXXX XXXX {$5200.00} XXXX XXXX {$10000.00} XXXX XXXX {$3600.00} XXXX XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 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: Westlake Services, LLC
State: GA

Complaint narrative:
Recently on XX/XX/XXXX I obtained my credit report before applying for a mortgage, I noticed that I had activity on my credit report going back all the way to XXXX from someone obtaining loans and 2 open car loans in my name through a company called " XXXX ''. I do not have possession nor any knowledge of these things. As I investigated further, I have numerous erroneous addresses that I have never lived that along with jobs I have never worked at listed below. 

XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX XXXX, XXXX XXXX, GA, XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX, XXXX XXXX, GA, XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX XXXX, XXXX XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX Jobs I have never obtained : 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 explanation