vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
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 I have disputed these account for inaccuracies and they came back as verified but looking at my most recent credit report I am still seeing the same inconsistencies as before. 
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 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
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 XXXXXXXX I have disputed these account for inaccuracies and they came back as verified but looking at my most recent credit report I am still seeing the same inconsistencies as before. 
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 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
Under the Fair Credit Reporting Act, they 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2022-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANKMOBILE TECHNOLOGIES, INC
State: WA

Complaint narrative:
Firstly, this outfit never has funds available for purchase ON TIME for classes. I wont use their card because they fleece students with surcharges and such. Some professors are not malleable. This outfit preys on students. They make enough money elsewhere.

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 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
In according with the fair credit act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under U.S.C. 1681. 
1 ) XXXX XXXX XXXX # XXXX XXXX ) XXXX XXXX XXXX # XXXX XXXX ) XXXX XXXX, XXXX # XXXX XXXX ) XXXX XXXX  # XXXX XXXX ) XXXX XXXX # XXXX XXXX ) XXXXXXXX XXXX # XXXX ( identity theft ) Has Violated my rights.

*15 U.S.C . 1681 Section 602 A. : States I have the rights 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. Any other item of information other than records of convictions of crimes which antedates the report by more than seven years.

*15 U.S.C . 1681 ( s ) 2 ( A ) ( 1 ) : States a person shall not furnish any information relating to a consumer to any credit reporting agency, if the person knows 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 2022-09-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
To start off, I applied for a personal loan of {$3500.00} on XX/XX/2022. This was an emergency loan because financials were tight for the time being and I needed some funds to cover me for a while. I was well aware of APR % and I was comfortable with it. I got prequalified and signed the agreement. They requested the necessary documents, which I have sent the very same day. Then I received an email stating to email my employer information ( name, address, number and occupation ). I already that information in my online account but, I emailed it anyway. I didnt email anything that would jeopardize my own identity and security. 

The next day, precisely in the morning, on XX/XX/2022, I then receive an email asking for recent bank statements. I sent those documents. I emailed customer service because for some reason, I am not given the option to speak to someone directly. Hours pass by and I received no responses. I emailed them asking if there are any other documents that are needed to further the loan processing further. No response. Instead Im getting multiple emails from two different addresses asking for my employer information again and again. Which is kind of weird and skeptical because what loan lending company sends from two different email addresses. They also asked me to email my bank statements when theyre already uploaded on my online account. For identity and security, it is clearly NOT safe to email bank statements when youre receiving emails from two different addresses, supposedly associated with the same company. So I didnt send anything else after that. Im currently waiting for responses or ANYTHING at this point.

However, prior to these repetitive emails, I also received an email saying my documents were received and will be sent to the loan processing team. Some time passes by and no response from any of the emails I sent to customer service. I sent one final email stating I would like my application declined because I do not want to do business this company ( Net Credit ). 

There is no customer service and I have doubts of the security and professionalism. Also reading from past reviews from previous customers, it seems they also have had the same issue. I would be very displeased for my credit to be ran and dropped more than XXXX points after not getting any responses after my application deadline all because of this non-responsive and unreliable company. 

I have done loans with other lenders and it was always a smooth process and same day funding. And also always someone to talk to. Responses were QUICK!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Made payment of {$100.00} and my payment is not reflected in the current balance on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, 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: TN

Complaint narrative:
In accordance with the guidelines law of the FCRA. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 U.S.C. 1681 XXXXXXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have Violated my rights 15 U.S.C. 1681 602 ( a ) 4There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
15 U.S.C.1681 604 A section 2 ) In accordance with the written instructions of the consumer to whom it relates. 
without my written instruction 15 U.S.C.1681c a 5 section state no consumer reporting agency may make any consumer reporting containing any of the following items of information as my other adverse items of information other the record of conviction of crime which antedates the report by more then seven years 15U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information to a consumer to any consumer reporting agency if the person know 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 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, 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: TN

Complaint narrative:
In accordance with the guidelines law of the FCRA. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 U.S.C. 1681 XXXXXXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have Violated my rights 15 U.S.C. 1681 602 ( a ) 4There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
15 U.S.C.1681 604 A section 2 ) In accordance with the written instructions of the consumer to whom it relates. 
without my written instruction 15 U.S.C.1681c a 5 section state no consumer reporting agency may make any consumer reporting containing any of the following items of information as my other adverse items of information other the record of conviction of crime which antedates the report by more then seven years 15U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information to a consumer to any consumer reporting agency if the person know 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 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, 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:
Under the Fair Credit Reporting Act, they 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
Under the Fair Credit Reporting Act, they 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC
State: MN

Complaint narrative:
On XX/XX/XXXX, a settlement agreement was reached in the amount of {$5700.00}. The final payment for this agreement was made on XX/XX/XXXX. Starting in XXXX I started receiving phone about late payments-3 total when I returned the call they said it was in the hands of the attorneys and they couldnt talk to me but did say that my account wasnt settled and still had a large balance. The credit repair company attempted to get a statement to show account paid in full but they never responded and then XX/XX/XXXX they reported it as unpaid account to credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
n 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 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 XXXXXXXX, has 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 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 accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Opportunity Financial, LLC
State: FL

Complaint narrative:
I paid in full my loan amount. They are arguing I didn't pay. I paid XXXX on a XXXX dollar loan in less than 4 months from getting the loan with opploans

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Georgia Student Finance Authority
State: NC

Complaint narrative:
This is my second complaint with Georgia Student Finance. This time I am filing a complaint because the school XXXX XXXX closed down back in 2019. I was misled into believing that I would have gainful employment after completing the degree program. I was forced into signing that Master Promissory Note. 

I do have an active borrower 's defense application with the Department of Education. They have not made a ruling as of yet XXXX ( application number ) Can provide a copy of the application that was in fact for the former school, XXXXXXXX XXXX. 

While the Lender has my signature and I disputed the debt before as not valid, to me, I believe the contract should not be enforced. Because I was like many other students forced to take out extremely expensive loans. 

I also informed the organization that I am no longer in the state of Georgia and had no choice but to move because I had not gained employment. This is what I was promised when I enrolled in the program. 

I have tried to work with this agency but they are not willing to work with my at all and left me no choice but to filed another complaint with the cfpb.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
Fair Collections and outsoucing is reporting a debt for XXXXFair Collection and outsourcing did not provide any signed contract .When a debt validation letter was requested all they sent was a ledger with charges. I am asking that Fair Collections and outsourcing please provide validation indicating that I owe the debt, a signed contract and details on why I owe the debt.

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 2022-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT

Complaint narrative:
Constantly impacting my credit score, reporting to the agencies without my consent and they keep calling me to pay the debt. All debt is obligation of the United States per 31 U.S. Code 3123 18 U.S. Code 8 15 U.S. Code 1692/1692e and 1601.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: NC

Complaint narrative:
Pro-collect Inc. Account number XXXX Date Opened : XXXX XXXX I Have attempted to get this debt verified through the collection agency mention above but yet they have failed to verify any debt. I have attempted to validated this debt via Mail ( Certified Mail ), Through XXXX and via telephone but yet the representatives tend to harass me daily since I called asking them to validate the debt. In the past month I have received more than 15 calls from Pro-Collect. While on the phone I asked to get the information validated and even sent to my current address but they failed to verify the debt from the original time ( XXXX days ) after it was placed on my credit report, In which, I called and sent a letter ( certified mail ) asking them to remove the collection since they could not validate the debt themselves but yet the collection remains on my report. I have now submitted an affidavit to idenitytheft.gov, because XXXX ) In general. Except as provided in paragraph ( a ) ( XXXX ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : Official interpretation of 34 ( a ) ( XXXX ) In general. 
Show ( i ) By sending the consumer a validation notice in the manner required by 1006.42 : ( A ) In the initial communication, as defined in paragraph ( b ) ( XXXX ) of this section; or ( B ) Within five days of that initial communication; or ( ii ) By providing the validation information orally in the initial communication. 


but yet they have failed to validate any information resulting in the removal of the collection on credit and which the collection agency failed to do so as well.

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 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-XXXX ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( XXXX  ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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