vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-02 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: Mercedes Benz Financial Services
State: LA

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Louisiana Laws Dear MB FIN SVCS, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Louisiana state law regarding identity theft and fraud.

It has unequivocally come to my attention that MB FIN SVCS has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Louisiana Revised Statutes ( LRS ) Title 9:3571.1 provides clear guidelines regarding the protection of consumer information and credit reporting. This statute emphasizes the necessity of accurate and fair reporting practices and reinforces the importance of consumer consent in the sharing of personal information. Furthermore, under L
RS Title 14:67.16, which addresses identity theft and the illegal use of another persons identifying information, it is clear that the unauthorized use of personal data, including credit reporting, is a serious offense under Louisiana law. 

I assert with unwavering certainty that I have not provided consent for MB FIN SVCS to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that MB FIN SVCS immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the applicable provisions of Louisiana law. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Louisiana state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that MB FIN SVCS will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I have already contacted this company and there are being non compliance. 
I have already settle this account and the credit bureaus are not removing this account from my credit profile. Please advise me on what to do next

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc.
State: WI

Complaint narrative:
XX/XX/2024 XXXX Affairs deposited my XXXX into my account, {$4500.00} the following days money lion took over {$1400.00} From a cash advance that wasnt scheduled till the end of the month, and another XXXX $ in pending transactions were allowed to withdraw out of my account. On Monday, the first I contacted them spoke with a representative and opened a complaint in dispute, then gets continued to come out of my account. I reached out to them again, this time, repeating the actions and no resolution. 
I have contacted them multiple times, to try to resolve this, with no resolution I am XXXX XXXX XXXX veteran. I only have this amount of money to live on for the entire month. I have XXXX kids that I have to provide food for including myself, there is no money left in my account. They told me I could take up to XXXX  days. Thank you for your time as somebody with cognitive processing issues it is very XXXX  continually getting routed to low level intake, personnel that have no power to assist the customer. This is causing extreme XXXX XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: NJ

Complaint narrative:
I requested a detailed account of all late payments listed on my credit report from XXXX and Experian. XXXX did not respond. I have filed multiple disputes with Experian regarding the XXXX to XXXX accounts from XXXX on my report. Experian continues to update the derogatory information with new dates, stating that XXXX has confirmed it. I can only access alerts and have been unable to view my credit report since 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 2024-10-03 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: CA

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-10-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I decided to consolidate my student loans. They were in an IDR product and SAVE. Prior to that I was in Repaye. The consolidation was to remain in the same product. Aidevantage was unable to keep the loans in the SAVE product due to the federal government and the courts. Instead of declining the consolidation loan they processed it putting me in a standard repayment plan. The first statements I received from them stated that if you applied for an IDR disregard this statement as it takes longer to process IDR. They never stated that they were not able too. 

Then the next statement came and it was a high amount due XXXX. 

I called on XX/XX/XXXX and was told that they were unable to put me in IDR and that I could pick a different plan and pay them. I told them this was a bait and switch and requested they cancel the consolidation. 

I received a letter on XX/XX/XXXX stating that request was denied. I called again and requested to appeal that denial. The person at aidevantage told me it was no big deal to stay with them as my account was in a forbearance and being charged interest. And that even in an IDR plan I would have interest. 

I called the XXXX  and they told me that information was false. That the loans in the IDR and SAVE plans are not being charged interest. They also stated that the student loan servicer is able to decline the consolidation. 

I called aide vantage, again. This time asking for a supervisor. The person stated that after about 10 minutes of holding no supervisor was available. She was able to, at my request, put in a request that my loans not be charged interest. She stated a supervisor would call me back. Its been 24 hours and no call. 

This company is 1 ) not following a federal injunction to pause student loan interest 2 ) acting without integrity taking my loans out of the protections of IDR - the right thing to do wouldve been to not consolidate 3. ) not giving forthright information to the consumer in a timely manner. They said I had 10 days to request this cancellation but didnt notify in that time frame that they werent able to provide an IDR plan or SAVE. 

Thank you for your assistance. I can provide additional information or clarity if needed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: FL

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. 
XXXX XXXX, XXXX, XXXX XXXX, has violated my rights. 

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 2024-10-02 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.

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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
In XX/XX/XXXX I made two payments on my XXXX XXXX account of {$100.00} and {$330.00} which left me a balance of {$550.00}. In XX/XX/XXXX due to COVID related issues I was evicted from apartment on or about XXXX XX/XX/XXXX ( see attachment ) for specifics. I was officially released from apartment by the landlord on XXXX XXXX ( see attached voucher ). The account was closed per my request ( XXXX XX/XX/XXXX ) I have since paid off what I owed the landlord. However, in XX/XX/XXXX my electrical account was was reported on my credit reports as delinquent. XXXX and I could not come to agreement on the amount due because they had no record of my XXXX payments. The account was sent to a debt collector and palaced on my credit report. In XXXX, I got the debt removed from my credit reports however in XX/XX/XXXX, the account was transferred to another debt collector Transworld Systems and they have been reporting the delinquent date as XX/XX/XXXX under the amount of {$850.00}. When I requested information or any information, they had on file on the date... they sent a reply back to the credit reporting agency of " No Data Available ''. That in itself should have required the removal of the debt but it was not. I have tried every way possible to get this corrected. Sent documentation but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: KS

Complaint narrative:
I am cosigner of my daughters XXXX XXXX account. My daughter always made payments in good standing She went into a special plan in XX/XX/XXXX due to loss of job and made payments every month until In XXXX of XXXX payment was 2 days late and XXXX XXXX refused to take payment. Response from XXXX XXXX was call back account was not in collections. XXXX XXXX would not respond to repeated attempts to take paymemt and sent account to collections. My daughter and I each have {$10.00} XXXX to XXXX XXXX and that is not even the correct amount! I am XXXX XXXX XXXX and had great credit. I have a mortgage since XXXX in good standing and purchased a car last year. XXXX XXXX has pretty much ruined my life!!!! Please who can help. Thank you

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 2024-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: FL

Complaint narrative:
Cash app is holding my money without cause on 4 transactions {$300.00}, {$98.00}, {$15.00}, {$15.00}. I have proof and letters from merchants showing the funds are being held by cash app without cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: WA

Complaint narrative:
Performed soft inquiry. Qualified AFTER hard inquiry. Emails and texts sent to customer to provide docs and set up appt. Local office then calls that ineligible. AFTER the hard credit pull was performed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: NJ

Complaint narrative:
In accordance with 15 USC 16c-2, I've found errors on my credit report that are negatively impacting my creditworthiness.

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 2024-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I zelled from my bank Wells Fargo to the recipients name XXXX XXXX to XXXX XXXX the amount {$940.00} on XXXX to buy a product from them and got scam by them, they dont send the product to me and dont give my money back, I tried to report as fraud thru my bank but I got denied, I have proof and all their information thru messages from XXXX that they ignored me and wan na scam me for money, I just want my money back please 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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XX/XX/year> TransUnion was documented reporting inaccurate information on my credit report. A dispute was filed and is still pending. TransUnion has previously reported and removed inaccurate information. XXXX XXXX XXXX  account number XXXX. Now three more account are being reported inaccurately. As a result of XXXX XXXX TransUnions failure to follow reasonable procedures to assure maximum possible accuracy, in multiple instances causing numerous violations ( {$1000.00} per violation ). XXXX  has provided consumer reports with incorrect and misleading information regarding a consumer.

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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Dear Equifax XXXX XXXX I am writing to formally dispute an entry on my credit report regarding a collection account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account does not belong to me, and I am requesting that it be removed from my credit report immediately. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate information on my credit report, and you are required to investigate and remove any information that can not be verified as accurate. I have never had any business dealings, nor have I signed any contract or agreement with XXXX XXXX XXXX. Therefore, I am not legally obligated to pay this alleged debt. 

Additionally, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, prohibits collection agencies from attempting to collect debts that are not valid or that do not belong to the consumer. Specifically, the FDCPA prohibits any form of false representation of the character, amount, or legal status of the debt. Since I have no contract or agreement with XXXX XXXX XXXX, any attempt to collect this debt is in violation of the FDCPA. 

Please conduct a thorough investigation of this matter. If XXXX XXXX XXXX can not provide evidence that this debt is legitimate and that I am indeed responsible for it, you are required to delete this account from my credit report pursuant to the FCRA. 

I request that you provide me with written confirmation once the investigation has been completed and the inaccurate information has been removed. 

Thank you for your prompt attention to this matter. I expect this issue to be resolved as soon as possible, as it is damaging to my creditworthiness and does not reflect my actual financial history. 

This letter asserts your rights under the FCRA and FDCPA, two key laws related to credit disputes. If Equifax can not verify the accuracy of the debt, they must remove it from your report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I filed a dispute with a credit company - I sent a letter to the nearest bank of that credit card company and did not hear back. I called their customer service number and I was told I could not get any statements or information - as they are sent to a different address than mine. I then tried to go on line and get information and was not successful - it would not generate what I needed. 
I feel this is fraud using my credit- as this card is NOT in my possession- I had no knowledge this card was still open- I do not have a credit card number to provide - it was to be closed with divorce. I filed for divorce in XXXX of XXXX and was finalized in XXXX of XXXX and is legally filed with the XXXX XXXXXXXX XXXX XXXX  XXXX XXXX. I have also contacted my lawyer. My Divorce Decree states neither party can use others credit or cause harm.

I did not receive any statements regarding this credit card - only noticed a rapid & sudden decline in my credit rating and investigated. All charges made were without my knowledge as I was sure this card was closed.

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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information wad exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent further harm to my financial well-being.

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