vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc.
State: AL

Complaint narrative:
I used Moneylions instacash services starting in XXXX and stopped in XXXX after I lost my purse during a night out which contained my debit card, ID, phone, and some other items. I was able to recover my ID and applied for a new debit card which I activated on XX/XX/year>. I had an outstanding balance of {$100.00} on Moneylion which I paid back on XX/XX/year> after receiving my check. I deleted the Moneylion app and removed my banking and card information, except for my old debit card since the app doesnt let you remove all forms of payment in case you have an outstanding balance ( I did not have a balance ) and so I thought that was the end of the situation. Fast forward to XX/XX/year> and I am charged {$220.00} for a Moneylion instacash repayment the day after I got paid when I havent used the service since XXXX. Im not sure if someone used my stolen phone to request funds in the app or what. I immediately called Moneylions customer service and explained the situation and they said that they were sorry but that they couldnt refund me since the money was already taken out of my account ( it was not, the charge is still pending ). After a lot of back and forth with them she just said that she would block my banking information so that I wouldnt get charged again and to dispute through my bank. I then called my bank, XXXX, to dispute the charge and put a stop payment on my account for Moneylion instacash services and was told that the token on my bank account was probably still saved by this predatory company despite me removing my current banking and card information and that that was how they were able to charge me. They then told me I would be provided a credit on my bank account once the charge was done pending while they investigated the issue. I redownloaded the app and can see multiple requests to borrow money after I stopped using their services. I am not sure if my money will be fully refunded.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The account XXXX XXXX  account is not being reported by the 3 major credit bureaus accurately & in complete fashion. There are multiple inaccuracies such as ; the date that this account was originally opened, the last payment made is inaccurate, claiming that my payment was late, I have tried to resolve this issue with the credit bureaus but I haven't had any success. The Bureaus refuse to remove this alleged late charge and have been reporting my information inaccurately causing my credit score to drop and impacting my financial life negatively. I would like for the 3 credit bureaus to report this account as paid on time instead of paid late.

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 2024-05-19 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: TN

Complaint narrative:
XXXX XXXX XXXX has been sent via XXXX receipt all furnisher documents, a dispute letter for notification of fraud due to identity theft, all verification documents, an FTC identity theft report, and a CFPB complaint, and has repeatedly been requested to delete this negative account victimized by fraud due to identity theft, for which XXXX XXXX XXXX was notified by myself in XX/XX/2022 of fraud committed by a hotel staff under identity theft and yet continues to willfully, neglectfully, and to cause personal financial and emotional harm by disregarding FTC, CFPB, and citations and if found to willfully, knowingly report inaccurate information may be held liable statutorily, and punitively inclusive of attorneys fees. This has been evidenced in defiance of the FTC, CFPB, and FCRA under fraud due to identity theft, and XXXX XXXX is repeatedly acting in direct opposition to regulations and laws in violation of my protections. 
Delete this negative account from all bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX has been sent via XXXX receipt all furnisher documents, a dispute letter for notification of fraud due to identity theft, all verification documents, an FTC identity theft report, and a CFPB complaint, and has repeatedly been requested to delete this negative account victimized by fraud due to identity theft, for which XXXX XXXX XXXX was notified by myself in XX/XX/year> of fraud committed by a hotel staff under identity theft and yet continues to willfully, neglectfully, and to cause personal financial and emotional harm by disregarding FTC, CFPB, and citations and if found to willfully, knowingly report inaccurate information may be held liable statutorily, and punitively inclusive of attorneys fees. This has been evidenced in defiance of the FTC, CFPB, and FCRA under fraud due to identity theft, and XXXX XXXX is repeatedly acting in direct opposition to regulations and laws in violation of my protections. 
Delete this negative account from all bureaus 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 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TomoCredit Inc.
State: MA

Complaint narrative:
TomoBoost uses your monthly expenses to develop a credit line for you that they then report to the credit bureaus. They have NOT been doing that and have still been taking my money every month. I submitted a cancellation request a week before the withdrawal date, and per their terms youre required to send it 5 days before the next payment, which I did. I still got charged {$39.00}. They refuse to answer emails and I'm still receiving their automated spam emails offering their services, when Im already enrolled and have been trying to cancel. I am not the only user that has had this problem. There are countless others online voicing their concerns on several forums.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 us 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 1681 4

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 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Oklahoma XXXX XXXX is still showing on my credit profile. The loan is no longer under XXXX. This company refuses to remove this inaccurate information.

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 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
XX/XX/year> I was in a XXXX XXXXXXXX situation and was threatened with my life and the life of my children to open a car loan, my abuser took advantage of my mental health and the mental health of my children and forced me to use my XXXX XXXX XXXXXXXX payments to put a down payment on the truck, i was scared and unaware of what i was doing as i went into the dealership ( XXXX XXXX XXXX in XXXX Ohio ) by myself and my abuser in the car holding my children XXXX, i had been secretly working on my credit to flee from my abuser and didnt want to finance a loan to begin with. The car salesman also spoke to my abuser and allowed him to make decisions on what truck he wanted and i went inside unaware of what i was doing out of fear and signed paperwork to finance with GM financial, they gave me extremely high payments XXXX per month which is more than XXXX percent of my son 's XXXX and the only incoming in the home because i am unable to work due to the XXXX XXXXXXXX inside the home. on XX/XX/year> I called back up to the dealership and let them know what was done and that i didnt really want the car, but the dealership was no help. I was told by the manager of the dealership to contact GM financial because it was their responsibility now and to explain the them what was going on, GM financial, transferred me to different people who were no help and said they could not get me out of the contract that was signed, i sent paperwork to prove that i was in a XXXX XXXX situation and was forced to sign into a contract with them. They never let me out of the contract, they dont care that they are making my situation worse and more unsafe. I've had a few late payments reported to the credit that has affected my score tremendously, i've disputed and asked for forgiveness on the late payments with no help or success. GM financial is now reporting false late payments and because of that my score has dropped over XXXX points, leaving me and my children stuck and in danger and unable to flee.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I was trying to purchase a home for my family and after my grandmother passed away but was unable to complete the process due to inaccurate information listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: TX

Complaint narrative:
on XXXX XXXX XXXX i checked my consumer credit Report from XXXX, There where listed 2 collection accounts. 
XXXX. XXXX XXXX XXXX Acct # XXXX XXXXXXXX XXXX XXXX  Acct # XXXX On XXXXXXXX XXXX  i sent Via Cert US Mail to both Collection Companies an Debt Validation letter. Requesting them to validate the Debts within 30 days. By XXXX the XXXXXXXX XXXX there where No replies, nor validation of the debts. 

On XX/XX/year> I notified XXXX by, Online and Certified US Mail that the 2 companies listed about where unable to verify the debts that they allege that i owe. on XX/XX/year>, i again Notified XXXX online. I have Contacted them by Via telephone and spoke with a lady named XXXX, She would not give me her last name not employee ID, SHE TOLD ME THERE IS NOTHING I CAN DO ABOUT IT and they refuse to remove them

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 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
LVNV FUNDING IS REPORTING INCORRECT INFORMATION ON MY CREDIT REPORT, THE ACC # XXXX. AND A BALANCE OF XXXX. THIS ACCOUNT IS A PUBLIC RECORD JUDGMENT, THE JUDGE DID NOT GIVE LVNV FUNDING ANY PERMISSIBLE PURPOSE TO REPORT IT ON MY CREDIT BUT THEY VIOLATE MY RIGHTS AND VIOLATE THE JUDGE DECISION AND REPORT THE ACCOUNT TO MY CREDIT WHICH IS CAUSING ME AND MY FAMILY SEVERE DAMAGES TO OUR CREDIBILITY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: AR

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 name : XXXX XXXX XXXX XXXXXXXX Account name : DEPT OF EDXXXX XXXX  XXXX, Account name XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX # XXXXXXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX # XXXX, 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 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 2024-05-19 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: AR

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 XXXXXXXX Account name XXXX XXXX XXXX XXXX XXXXXXXX Account name : DEPT OF EDXXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX # XXXXXXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX # XXXX, 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 inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I need for capital one Take this matter more serious this account was open online that does not show prove it was me also i reported my information was stolen and also my phone anyone could of open the account and who know how many other accounts under my name i need for capital one if there are so sure it was me to show me all prove it was me i need papers showing my signature on them statements saying yes it was me who open them my address and name and last name and number is not prove enough to say yes it was me anyone could of did it and we all know for you to open a account you will need the person informations to get it open this is making me get very mad because im being charge for something i know i didn't do i need prove if not i ask by law to remove it from my credit asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: NJ

Complaint narrative:
XXXX XXXX - Account # - XXXX. This account dropped off my credit report and then started showing up again as delinquent a year later. This account should have been removed from my account. This account was not showing up in my report for the past year until today. See attached report from last month I had no negative account and this month this account was put back into my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Remove all fraudulent and inaccurate accounts from my credit report. 
Block any information resulting from identity theft, as required by FCRA. I expect a prompt response and resolution to this matter. Failure to comply will leave me with no choice but to pursue legal remedies available under the Fair Credit Reporting Act.

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 2024-05-19 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: FL

Complaint narrative:
Remove all fraudulent and inaccurate accounts from my credit report. 
Block any information resulting from identity theft, as required by FCRA. I expect a prompt response and resolution to this matter. Failure to comply will leave me with no choice but to pursue legal remedies available under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX - XX/XX/XXXX XXXX XXXX {$570.00} XX/XX/XXXX XXXX XXXX {$4000.00} XX/XX/XXXX XXXX XXXX XXXX {$7000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a 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 2024-05-19 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX - XX/XX/XXXX XXXX  XXXX {$570.00} XX/XX/XXXX XXXX XXXX {$4000.00} XX/XX/XXXX XXXX XXXX XXXX {$7000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a 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