vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-22 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: IL

Complaint narrative:
I am experiencing significant distress and frustration due to multiple fraudulent accounts appearing on my credit report. This situation is severely impacting my creditworthiness, which is critical as I am in the process of purchasing a home for my family. Despite numerous attempts, I have been unable to have these accounts removed. Compounding this issue is the fact that my personal information was compromised in recent XXXX and Equifax breaches. I had anticipated that my consumer report would be protected in the wake of such incidents, but this has not been the case. 

The presence of these fraudulent accounts is not only damaging to my financial reputation but also constitutes a clear violation of federal law, specifically under 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ), which mandates the fairness and privacy of consumer reports. My trust in the banking system and credit reporting agencies to uphold my privacy and ensure fairness has been severely undermined. This breach of federal consumer rights is causing me considerable emotional and mental distress. 

Furthermore, it is unlawful for these companies to furnish personal information to third parties without consent. This act of negligence and fraud has been reported to both the local police department and the Federal Trade Commission. Given the severity of these violations, legal action against the involved companies and credit bureaus is a viable option for redress. The inaccuracies in your database are not only negatively affecting my livelihood but also placing me in an untenable position. I am prepared to initiate litigation if these erroneous items are not promptly rectified. Also please remove the XXXX late payment 's reporting on my XXXX, and Transition credit repot as they are inaccurate and should be reporting all the same across all three credit reports please update and report as never late paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: SC

Complaint narrative:
I took out the first title loan about 2 years ago they was charging extra charges that I did not know and I had to get another car title loan so they rolled it over into the one that I have now so it been about 4 years been with them but now the car does not run at all and I am still paying on this car loan but they will not switch it over to a personal loan and I'm trying to sell it but I have to go through hoops just to get the title this is not fair The amount that I owe now is about {$7000.00} on the title loan but the car is not even worth XXXX it is worth about XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I spoke to Citizens Bank in regards to an old credit card that I had with them and that was eventually paid off, XX/XX/XXXXXXXX  for {$320.00}. It is marked correctly on my credit report as balance settlement. The issue is when I went to Citizen 's Bank on or around XX/XX/XXXX, I was notified by the teller that I still owed {$710.00}, for the credit card, which should have been deleted from their system once the settlement was made. I was also advised that somehow I still owe the bank around {$430.00} between two old checking and savings accounts. I was unaware these accounts were delinquent and had I know this was an issue, I would've included it in my XXXX  XXXX Bankruptcy plan. I was with Citizens Bank for nearly XXXX  years into adulthood, and the issue of the bank accounts was always a computer error on their part, when they authorized a payment of {$370.00} when I cancelled the entire payment series, causing my account to have issues at the time, sometime XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: CA

Complaint narrative:
I am refiling this complaint to TRANSUNION there are errors and inaccurate information in my reports such as the date of last activity, date opened, date reported, payment status, charges or amounts and etc. However, when I checked my report, I did not see any changes made at all. Inaccurate and erroneous information is still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction. 
I have also attached my FTC report with the report number 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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2024-01-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: MI

Complaint narrative:
One main financial Misinformation about life insurance on loan. Stated it had to be on the loan to get the loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: VA

Complaint narrative:
I contacted EdFinancial via their web form on XX/XX/XXXX. I had not heard anything by XX/XX/XXXX, and called their support line. I was informed that they had not started processing my online request but that they could go ahead and send this for review for my XXXX deferment to be applied. I have continually checked and around the middle of XX/XX/XXXX, I called their support line and informed them that the XXXX deferment had only been applied to one of my loans. The agent I spoke with informed me that they had re-sent the request. As of today, XX/XX/XXXX, this issue is still not fixed and I have requested supervisors to call me back but no one has. I am showing severely past due on my loans due to this administrative error that EdFinancial made. I called in again this morning and was told the original request was never processed and that they were placing it into emergency status. I now have one previous loan in deferment, and my new XXXX loans show as in deferment. The loans in between are still showing as past due. I am told they will fix this issue in 3-4 business days because it has escalated in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: NE

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

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: PR

Complaint narrative:
Since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

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 2024-01-22 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: TX

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion and 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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I noticed that this company is reporting XXXX XXXX account that is inaccurate and incorrectly reporting information on my credit file. This company is reporting a 60 day late payment when XXXX ). i have made all payments on this account on or before their due date so I was never late and XXXX ). this company is reporting a 60 day late as of XX/XX/XXXX however account was placed on my credit report on XX/XX/XXXX which mean tht this account didnt even hit 60 days yet however so it is marked 60 days late. 
Furthermore, Your company is in clear violation of the law. Under 15 USC 1681b- Permissible purpose of consumer reports. The LAW CLEARLY STATES : ( A ) In general Subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you permission to furnish this account on my credit report? 
Furthermore, the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ) exclusion from a consumer credit report clearly states ( A ) EXCLUSIONS- Except as provided in a paragraph ( 3 ), the term consumer report does not include - ( A ) Subject to section 1681s-3 of this title, any - ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report : Reverse the above late payments from my consumer report, this agency is in violation of 15 USC section 1681 Failure to respond satisfactory with reversing of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent Enablement of Identity Fraud XXXX. Fair Debt Collections Practices Act 15 USC S 1692g violations 4. Fair Credit Reporting Act 15 USC s1681 violation for willful noncompliance- s616 Civil liability for willful noncompliance [ 15 USC S1681n ] Best Regards, 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 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
American Express offers Amex Offers wherein customers can save a certain amount of money for meeting certain spending thresholds. You must add these to your card before making the purchase to be eligible. Prior to purchase, I added an offer for XXXX XXXX XXXX  to my Amex Business Plus card ending in XXXX where if I spend {$350.00} by XX/XX/2023, I would receive a {$75.00} statement credit back. This was eligible for rentals within the US and US territories and I had a purchase of {$570.00} which appears on my credit card statement for my card ending in XXXX as " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' for a rental I made there. This transaction posted by the deadline of XX/XX/2023. I contacted Amex and they are refusing to honor this term as they claim it did not meet the requirements, despite everything showing that it does. I contacted them on XX/XX/XXXX and XX/XX/XXXX to resolve this matter short of filing this complaint and they have refused to honor their own terms. This is consumer fraud and clear bait and switch as I never would have used this card for this purchase was it not for the statement credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I got the Loan in 2021 and didnt know that the interest would mean that I never would pay off unless I pay more than the interest. Its about {$200.00} and has increased because the balance is increasing. My loan was about {$6000.00} so Ive paid about the amount of the loan in interest but I still own {$4000.00} because it was only the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: DISCOVER BANK
State: FL

Complaint narrative:
Someone attempted to commit fraud by trying to open a new credit card account in my name without my knowledge. I directly contacted the credit card company, informing them that it wasn't me. They subsequently denied the application due to identity theft. The issue is that this incident is recorded as a hard inquiry on my credit report, and the denial has negatively impacted my credit score. I need assistance in removing this inquiry from my credit report and obtaining additional protection for my identity to prevent such incidents in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Possible Financial Inc
State: TX

Complaint narrative:
I've been trying to resolve my debt with possible finance and when I tried to, they emailed me back & told me that the account was sold to a collection agency & that I'd have to reach out to the collection agency to settle the debt. I then responded informing them that the information that they are reporting on my credit isn't correct. They are reporting a balance on my credit when in fact according to the fair credit reporting since they have sold the debt it shouldn't be reporting on my credit with a balanced owed to them. They never responded to the matter & my credit still states this false information. I've attached the one communication l got from them stating that I didn't owe them anything & to reach out to collecting agency it was sold to.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: PA

Complaint narrative:
I noticed that this company is reporting XXXX XXXX account that is inaccurate and incorrectly reporting information on my credit file. This company is reporting a 60 day late payment when 1 ). i have made all payments on this account on or before their due date so I was never late and 2 ). this company is reporting a 60 day late as of XX/XX/XXXX however account was placed on my credit report on XX/XX/XXXX which mean tht this account didnt even hit 60 days yet however so it is marked 60 days late. 
Furthermore, Your company is in clear violation of the law. Under 15 USC 1681b- Permissible purpose of consumer reports. The LAW CLEARLY STATES : ( A ) In general Subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you permission to furnish this account on my credit report?

Furthermore, the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ) exclusion from a consumer credit report clearly states ( A ) EXCLUSIONS- Except as provided in a paragraph ( 3 ), the term consumer report does not include - ( A ) Subject to section 1681s-3 of this title, any - ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report : Reverse the above late payments from my consumer report, this agency is in violation of 15 USC section 1681 Failure to respond satisfactory with reversing of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC S 1692g violations 4. Fair Credit Reporting Act 15 USC s1681 violation for willful noncompliance- s616 Civil liability for willful noncompliance [ 15 USC S1681n ] Best Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I noticed that this company is reporting XXXX XXXX account that is inaccurate and incorrectly reporting information on my credit file. This company is reporting a 60 day late payment when 1 ). i have made all payments on this account on or before their due date so I was never late and 2 ). this company is reporting a 60 day late as of XX/XX/XXXX however account was placed on my credit report on XX/XX/XXXX which mean tht this account didnt even hit 60 days yet however so it is marked 60 days late. 
Furthermore, Your company is in clear violation of the law. Under 15 USC 1681b- Permissible purpose of consumer reports. The LAW CLEARLY STATES : ( A ) In general Subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you permission to furnish this account on my credit report? 
Furthermore, the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ) exclusion from a consumer credit report clearly states ( A ) EXCLUSIONS- Except as provided in a paragraph ( 3 ), the term consumer report does not include - ( A ) Subject to section 1681s-3 of this title, any - ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report : Reverse the above late payments from my consumer report, this agency is in violation of 15 USC section 1681 Failure to respond satisfactory with reversing of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC S 1692g violations 4. Fair Credit Reporting Act 15 USC s1681 violation for willful noncompliance- s616 Civil liability for willful noncompliance [ 15 USC S1681n ] Best Regards, 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