vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to follow up on my previous complaints regarding the inaccurate items that appear on my credit report. As I stated before, I am deeply concerned about the presence of unrecognizable information on my report, and I know it is essential to reiterate the gravity of this matter.

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 2024-01-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
On XXXX XXXX, XXXX. I purchased a XXXX, and a XXXX, from the XXXX phone store in XXXX, XXXX. This purchase was done through Acima Leasing. On XXXX XXXX, XXXX. I started receiving emails from Acima, stating I was 1 day past due! This was Just 5 days after my purchase, they already had me in collections and considered late. I was not informed, by either party, that I would be charged in 5 day or that this XXXX would XXXX to over 100 % in 90 days. I did NOT agree to any of this. My first installment is supposed to be on XXXX XXXX, XXXX at a rate of {$77.00}. The 2 units, I purchased were priced at {$450.00} ( XXXX ) & the XXXX ( {$350.00} ) with a total of {$800.00}. Acima Leasing Balloons the {$800.00} to {$1900.00} in 90 days. I contacted Acima after receiving the email and told them that I wished to make a return because I did not agree to any of this, nor to this amount. A particular Acima agent is giving me a hard time. A woman named XXXX told me that she doesn't care if I want to return anything, because she's not letting me. XXXX stated that she was a Supervisor and that she was going to make sure no one else could help me I told her I am going to report her and she stated she did not care. This was today, XX/XX/XXXX, at XXXXXXXX XXXX. Yet, I have an email from Acima, stating that I have can return any Item, at anytime, WITHOUT any penalties. As of XXXX, Acima prematurely attempted to charge my account. This lending practice outrageous and seems to be Predatory and a Scam. I do not understand why they are refusing to let me go. None of these 'post purchase ' practices were discussed or agreed upon. I am being XXXX  into staying here.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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:
I just reviewed my credit reports and it shows inaccurate and unauthorized account. 

Please see the copy of my dispute letters that were already sent to the involved Bureaus. 

I have not received any responses yet

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 2024-01-03 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: NY

Complaint narrative:
We requested proof or verification of debt. Company unable to provide such. 

Per 609 Law, credit error must be removed.

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 2024-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: GA

Complaint narrative:
On XX/XX/XXXX I was informed that I had XXXX PSLF qualifying payments and needed XXXX remaining payments to be finished with my PSLF process so that my loans could be forgiven. I had to start back up making payments on XX/XX/XXXX in the amount of {$350.00} and I did so as well as on XX/XX/XXXX. The amount was deducted electronically from my bank account and paid to the Department of Education. On XX/XX/XXXX, I received an automatic withdrawal notice for my payment due on XX/XX/XXXX. However, on XX/XX/XXXX I received a letter about an automatic withdrawal in the amount of {$190.00} due on the XXXX so I logged in to see what was going on for the amount to drop. On XX/XX/XXXX, I received a letter of Financial Activity for Loans. My original loans that I had been paying on were Loans XXXX and XXXX. The loans had been broken up and changed to loans XXXX, XXXX, and XXXX. They still totaled the same amount of money owed but now the payment count had been changed. It is now showing that I have XXXX qualifying payments with XXXX remaining payments to be made. I also received a delinquency notice that is still showing that I owe {$86.00} for loan XXXX but I paid {$150.00} on XX/XX/XXXX with XXXX of Mohela 's agents over the phone and it was deducted out of my bank account on XX/XX/XXXX. I have contacted them numerous times and they just keep saying this is a Department of Education problem and there is nothing they can do. So they deducted the {$350.00} out of my account just in XXXX different deductions so nothing should be owed. I am 2 years from retiring and XX/XX/XXXX should be my final payment. They informed me that I would have to continue to make these payments until all this was straightened out and I would receive a refund it needed 90 days after it was straightened out. This is unacceptable and I don't have {$350.00} to keep paying them until they decide to fix the mess they have made with my loans. I haven't been late and I haven't done anything other than what they have required. I don't know what else to do but I don't have the extra money to just keep making payments when XX/XX/XXXX, should be my XXXX qualifying payment. Please advise me as to what I need to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
After accepting a pre-approved Capital One Savor card it arrived in the mail and I called the activation number on or near XX/XX/XXXX. I was refused activation and told I needed to send images of the front and back of my driver license in order to activate with no explanation why. At the same time I was locked out of my CreditWise membership with no explanation. On or near XX/XX/XXXX I sent the images to the link provided and waited but no response, about a week later I called to ask what was going on and was told the images I sent were blurry and must be resent. I explained they were not blurry when I made the images through the copier and were not blurry when I sent them through the link ( there is no way to blur the images that I'm aware of ). I said that I was thinking this may be a scam and said I was calling the CFPB - the rep said " Go ahead ''. XXXX sent me an email saying my credit had been downgraded due to the running of my credit for the card they refused to activate and still to this day ( XX/XX/XXXX ) have me locked out of my CreditWise membership. I received a letter dated XX/XX/XXXX saying I needed to call to " verify additional information on your account opened on XX/XX/XXXX '' so I called today ( XX/XX/XXXX ) and was told the same exact thing about the " blurry images '' and was all but accused of being a " fraudster ''. The person stated again and again that what I was doing was exactly what fraudsters do. I was outraged to say the least. So I now have a lowered credit rating from Outstanding to Very Good with at least one credit agency ( I'm unable to check the others through my still locked out CreditWise ) and have nothing to show for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: KY

Complaint narrative:
They are in Violation of furnishing my consumer reports to person/s that do not have any permissible purpose or any legitimate business reason to receive those reports which is a clear violation of my right to privacy. Without a permissible purpose as per 15 USC 1681b ( 2 ) or knowingly without a legitimate business reason pursuant [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i ) ]. 

The Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully furnishing my EXPERIAN consumer report on XX/XX/2023 without my authorization or a permissible purpose under the 15 USC 1681b ( 2 ) Fair Credit Reporting Act ( FCRA ) and its guidelines for permissible purpose.

A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 
2. The purpose is certified in accordance with section 1681b ( f ). Chester v.

Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ).

I hereby request pursuant rule 1002 the permissible purpose or legitimate business reason certification that authorized the furnish of my consumer report on XX/XX/2023 to XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Verizon Visa Synchrony card was being used for autopay on my Verizon wireless account. I changed carriers to XXXX on XX/XX/2023 and paid my remaining balance due to Verizon on their Synchrony of {$160.00} on XX/XX/23. I paid off the remainder owed on the phone contract with Verizon directly to the carrier ( {$1200.00} ). They charged me another month after the phones were fully ported. I sent them the documentation with a request to not allow any further charges on this account and to remove the {$240.00} which was charged after the phones were no longer in service with them. They continue to send me a bill for {$240.00} and they have made it impossible for me to access my account online. 

Synchrony Bank credit cards have been problematic in the past as well. I think their tactic is to make it so difficult to remove bogus charges that people give up and pay 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 monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
I am currently under the PSLF ( since XX/XX/XXXX ). My loans have been placed on an automatic deferment, by MOHELA, due to me attaining my XXXX ( estimated completion in XXXX XXXX ). On XX/XX/XXXX I spoke with XXXX ( very helpful and professional ), from MOHELA, requesting to remove the deferment so I can make qualified payments towards my forgiveness. She assured me that the deferment would be lifted in 3 weeks to 1 month max. It has been nearly 2 months and the deferment is still there. On XX/XX/XXXX, I called MOHELA and spoke with XXXX, who unprofessionally hung the phone up on me. I would simply like the deferment to be removed so I can make qualified payments to receive forgiveness. Time is of the essence, and each month that passes without me making qualified payments affects me. I am very disappointed with MOHELA. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/XXXX I applied for the TX HAF Program and I was approved XX/XX/XXXX. 
The company has been trying to reach out to setup payments to make the mortgage current and they have refused to reply per the TX HAF Company they sent me a letter staying that Chase was not responsive and they have now 7 days left for them to reply. 

Please have them call the call center @ XXXX This assistance will bring everything current. 

Chase stated that they transferred the loan to XXXX BUT this is something that can only be done buy the trustee. FYI As of today XXXX has no account with me XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX Original Creditor Name XXXX XXXX XXXX  XXXX XXXX Account # XXXX, XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX / XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. Accordin

g to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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. 




In accordance with the Fair Credit Reporting act XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX / XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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

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 2024-01-03 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: EQUIFAX, INC.
State: TX

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX Original Creditor Name XXXX XXXX XXXX  XXXX XXXX Account # XXXX, XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX / XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. 




In accordance with the Fair Credit Reporting act XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX / XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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: EQUIFAX, INC.
State: MN

Complaint narrative:
According to the FCRA 15 USC 1681 section 602 says that consumer reporting agencies have a responsibility to report fair and accurate information with respect to the consumers RIGHT TO PRIVACY. My nonpublic personal information is written all over a public report. Equifax is a financial institution per 15 UCS 1681 section 604 which says that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : " in accordance with written instructions of the consumer to whom it relates. '' Equifax does not have my consent to furnish this information and they absolutely do not have my written consent. The fact that Equifax is ignoring me saying I have a right to privacy that they do not have a right to ignore that and they they continue to violate my rights. Equifax need my consent to furnish information on a consumer report with a likeness to my name any and all consent Equifax in any form ( written, verbal or implied ) is revoked. 15 USC 6802 ( b ) ( c ) states " a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- the consumer i given an explanation of how the consumer can exercise that non disclosure option. '' Equifax never informed me that i had a right to exercise my nondisclosure option. I do not consent to my personal nonpublic information being shared on a public consumer report that anyone with XXXX can obtain. In addition to that 15 USC 1681C says Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This account is clearly in adverse action and they are reporting without my permission which is against the law. Now 15 USC 1681s -- 2 ( A ) ( 1 ) states " 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. 15 USC 1681e says that " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Equifax is not maintaining reasonable procedures. They are not removing items while they investigate. Oh yeah, 12 CFR 1016.7 states that i can opt out of reporting services at anytime, and i am opting out of any and all debt collectors reporting to my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I just reviewed my credit reports and it shows inaccurate accounts. 

Please see the copy of my dispute letters that were already sent to the involved Bureaus. 

I have not received any responses yet

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 2024-01-03 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 just reviewed my credit reports and it shows inaccurate accounts. 

Please see the copy of my dispute letters that were already sent to the involved Bureaus. 

I have not received any responses yet

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 2024-01-03 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: OK

Complaint narrative:
THE ITEMS LISTED ON MY REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ARE NOT MINE AND IS CAUSING DIFFICULTY WITH MY ABIITY TO PURCHASE A HOME. I HAVE MADE NUMEROUS ATTEMPTS TO HAVE THIS CORRECTED AND AM HAVING NO LUCK THROUGH THE CREDIT CHANNELS. I HAVE PROVIDED ALL INFORMATION REQUESTED FROM THEM AND DONE ALL STEPS THEY REQUESTED FROM ME AS WELL AS PUT A FRAUD ALERT ON MY ACCOUNT TO BE NOTIFIED WHEN ANY CREDITOR ATTEMPTS TO RUN MY CREDIT OR OPEN A NEW ACCOUNT AND THAT HAS NOT HAPPENED. PLEASE HELP ME, I HAVE EXHAUSTED EVERY OPTION POSSIBLE. THIS IS RUINING MY LIFE!

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