vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I believe myEquifax is unregulated discriminating w/points a risk on my XXXX score. I don't understand paying $ monthly fee to safely monitor and protect my credit report from fraud and they unlock my credit account so 3rd party company 's XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX perhaps others to hack. How I know this is because I would login monitored found my account unlocked and not frozen at times. Equifax has a few negative inacurrate comments like cash rewards revolving a balance, negative soft reports I've disputed these facts already. My mortgage has been in good standing there are no delinquencies late payments or delay payments etc. I've blocked notifications via email received from XXXX XXXX XXXX. Recently on XXXX XXXX, 2023 an email came from XXXX XXXX an insurance representative asking me to accept a quote. The problem is I have never contacted them nor do I wish to be in any business relationships with XXXX XXXX or any other insurance company. I sent a written message and phoned XXXX XXXX XXXX XXXX and complained not to solicit my name for investors. And to take my name off the list they acknowledged it could take 90 days for my name not too appear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Ive noticed some fraudulent inquiry on my credit report

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 2024-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: CO

Complaint narrative:
I never recieved verification about the debt. Please remove from credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc.
State: TN

Complaint narrative:
we have used this company for years never had an issue but remarkably once i had cameras installed i noticed that the service that normally takes 30-40 minutes took 8 minutes. I then called them and they didn't want to listen so i advised them that i had the video and still they didn't want to listen. i told them to cancel my services and will pay them there regular fee but refused to pay them for a service that they did not provide as usual, this service they provided before and i was there every time except that one day in questione, this service always took 30-40 min when i tried to explain the issue but they totally did not want to here it, i told them i could show them the video.and again they did not want to hear that, I was very concerned that this could even happen. The cameras found that problem and who knows how long this has been an issue when a customer is not on site making sure they did there job. i cancelled them only because they were not interested in viewing that they had some problems

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: ENOVA INTERNATIONAL, INC.
State: AZ

Complaint narrative:
I opened a line of credit with NetCredit almost 2 months ago and have had 2-3 statements generated so far. Every time I have called, Ive been informed the combined activity from my 2 statements each month will be reported to all 3 credit bureaus between the 1st and 3rd of the following month. It is now the 12th and I have not received any updates of a new account with any of the credit bureaus. I have called dozens of times to confirm with NetCredit that theres no minimum usage amount for reporting and that my new account status will not affect credit reporting either. 

NetCredit claims to have already reported to all 3 credit bureaus, yet none of them have been updated for more than a week. They have no assistance to offer over the phone other than advising me to contact the credit bureaus. 

I have opened this account, paid necessary fees, and made all payments on time for the purpose of building my credit, and NetCredit has not fulfilled any of their promises thus far. I need my credit files with all 3 bureaus to be updated promptly with my new balance and utilization information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: HW Holding, Inc
State: TX

Complaint narrative:
I have no idea of these people Hunter Warfield calling. It always says spam and spam risk. They never leave a voicemail. I tried talking to someone but never got help. I wish they could possibly be more professional and leave a voicemail, an email, or something.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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:
I have sent in documents that my loan has been forgiven. It took me over one year to speak with a representative. It took another year for XXXX to report that my Department of Education balance has been forgiven. But XXXX has failed to report this information to all three credit bureaus. XXXX is showing closed on my XXXX. I want all three credit bureaus to report the same information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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:
I have sent in documents that my loan has been forgiven. It took me over one year to speak with a representative. It took another year for XXXX to report that my Department of Education balance has been forgiven. But XXXX has failed to report this information to all three credit bureaus. XXXX is showing closed on my XXXX. I want all three credit bureaus to report the same 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 2024-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I wrote a check on XX/XX/XXXX that was stolen. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX my local branch sent out a notarized Affidavit of Forged or Altered Checks, each filled out slightly differently. I don't know the details, but apparently they were denied. I went back to the branch yesterday, XX/XX/XXXX, and was told that it takes ten days to process.

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 2024-01-12 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: SC

Complaint narrative:
I recently pulled a copy of my credit report in XXXX and notice 2 accounts I have knowledge of or affiliation with. Those 2 creditors are XXXX  and XXXX XXXX. In XXXX  my information was compromised by my tax preparer as the company was relocation. I was advised files were missing that included my personal information. I reached out to the CRAs ( Experian, XXXX, XXXX ) to have my profile temporary frozen. In XXXX I contacted the CRAs again to report the 2 fraudulent accounts I've never applied for, requested verification and for them to be removed. I checked again XXXX and accounts are still being reported. Reporting accounts due to identity theft violates 15 USC 1681 c-2. I also noticed someone attempting to access lines of credit because I now have credit inquiries from XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX. I have not authorized these transactions nor given any written consent for this information to be furnished to my report, which is in violation of 15 USC 1681B I am also requesting that my address is updated and also previous addresses not affiliated with are 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 non-monetary relief
Consumer complaint received 2024-01-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: IL

Complaint narrative:
In XX/XX/XXXX I received an email from my credit monitoring saying that an account was placed in collections. I had no info so I called the collection agency to find out what it was. It showed for an account from XXXX for {$320.00}. I already have a current account with XXXX. So I would have no need for another. I called XXXX and they keep giving me the runaround. Wouldn't give information stating that I need to supply info to them. I sent them a copy of my DL that shows my address. It's the same address that I've had for 5 years. I was also told by the collection agency that my maiden name was listed on the account which is a name that I haven't used in 20 years. This account was opened from what I understand in XXXX. My credit history shows the addresses and names that I've used. The address listed on the account is not an address that's ever been affiliated to me. XXXX and credit agencies refuse to thoroughly investigate. Was also told by a XXXX rep that there was no SS # provided to open this account. This tells me that this was an inside job by a XXXX employee, opening up fake accounts. My address history is attached.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
I did not receive a right to dispute validity of debt notice to address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Al XXXX this collection has therefore unexpectedly hit my credit report and I will like to dispute this debt. And or negotiate of a payment plan to remove this negative tradeline off of my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Upon seeing negative info on my Experian credit report by XXXX XXXX XXXX in XX/XX/2023, I wrote to XXXX requesting validation of the {$530.00} they erroneously claim I owe. Because XXXX did not respond within the lawful time allowed and with no subsequent positive change with the matter, I reached out to Experian explaining that XXXX failed to validate or remove the negative info from my credit report. Since bringing these facts to Experian 's attention, the same negative info remains on my Experian credit report.

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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: NV

Complaint narrative:
After running a free credit report on myself and seeing a one line " lexisnexis '' under a supplemental heading, I requested a full report from LexisNexis to include all information they have on file for me. After receiving a 58 page report that included shockingly personal information ( my collision insurance deductible amount and full amounts of my insurance coverage ; addresses I've never lived at or been associated with ; my mom 's social security number. These are just a few of the things I was shocked to find in this report ). Most concerning was them reporting a XXXX XXXX XXXX for which I had my XXXX XXXX, and was told that after the XXXX XXXX XXXX it wouldn't be available even to law enforcement agencies, yet here it was on this lexisnexis report which had been given to a number of companies ( many of which I don't recognize nor authorized to obtain any information about me ). In spite of my having to provide Lexisnexis proof of my identity to receive this report, when I tried to dispute and complain about this matter, they would not accept it without providing a litany of private documents to supposedly prove my identity ( e.g. rental agreement with landlord ). I am considering contacting an attorney to file a lawsuit against these people for a clear violation of my civil rights and right to privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
In the month of XX/XX/XXXX, I contacted the Loan department to request for an extension on my XX/XX/XXXX car payment. I requested the extension due to financial hardship and unable to make payment. I was informed at the time of request that I would be granted the deferment of payment and that I must make two payments in order to have payment extension request approved. I was informed to contact in XX/XX/XXXX, to make sure request was approved. On XX/XX/XXXX, I received notice that my auto loan was reporting on my credit report as late payment due to not making my XXXX on time. During the call of request, I was never given any insight of the consequences for a deferment of payment or requesting. I reached out to complain to SECU in which they stated the information was reported correctly and they will make sure to have agents report that information to their account holders. I asked to speak with Manager over the loan department in which XXXX XXXX tried her best to get the Vice president of the bank to reconcile and remove the negative derogatory mark on my credit. He denied and wasn't interested in the fact I was a great client. I also reached out to the Vice president of SECU myself and was told it was nothing he could do about removing the late payment from my account. I think as a consumer of this bank, I should have been informed that if I was to request an extension that my credit score would be affected and allowed me to determine if I wanted to subject my credit to display derogatory remarks. I do believe I was denied due to racial discrimination as it was the fault of the agent who only provided the Pros of the extension and not the Cons of the request for extension. Instead of treating a committed consumer who never is late with payments, I should have been given notice of what affects this could do to my credit score. I have now been denied due to false information being reported from the SECU. I have asked for a one time courtesy to remove the late payment due to the error on the bank behalf as I should have been informed. My car payments are deducted by auto pay and the bank had to process a stop payment to not draft the payment from my account. If I was informed of the negative affect, I would have not asked SECU to stop payment from my automatic payment. I have been denied and unable to purchase or look at homes due to this false report on my credit report. I do feel, I may need to pursue some type of civil case against SECU as I feel I wasn't informed of the credit affect due to my race. The representative knew that my credit score would be affected she just felt the need to not provide that insight to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc.
State: AL

Complaint narrative:
On XXXX XXXX my check was deposited into my account and on that same date my account was hit 30 times from hellcase for the amount of {$50.00} and once for {$20.00} for the total of {$1500.00}. I called money lion and filed a dispute for each of them and they still have not credited my account back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/ my XXXX account was hacked and used. My Apple Card on file was used to make 12 different purchases for multiple bulk orders of XXXX toothpaste. I contacted Apple and Walmart right away and both companies recognized it was fraud. I was told by a XXXX representative to delete my account, so I immediately did. Four out of my 12 disputes were denied and Goldman Sachs keeps saying XXXX has provided evidence that it was not fraud because my card and account were used. Do these big companies not understand how fraud and identity theft work? I have provided a substantial amount of evidence including the IP addresses the purchases were made from ( Provided to me by XXXX XXXX XXXX ) which do not match my own. Ive also shown them the " proof of delivery '' photos sent to my email. The photos were the inside of a vehicle I do not recognize and an elevator I do not recognize both photos sans " package ''. Does this not seem sketchy and obvious signs of a scam? I am still dealing with these fraudulent charges 9 months later. I spoke to an apple card specialist manager today and he tried to tell me that he was going through the same issues with a fraud charge through his apple card. ( He also tried to tell me that it is safest to use a debit card because using a credit card is always a gamble since it is someone else 's money. I've never heard anyone say that using a debit card is safer. ) If an employee can not even feel safe using this card, how are the rest of us supposed to feel? Has anyone ever had a similar situation to this? If so, how did end up being resolved? Any input is very appreciated!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-12 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: SC

Complaint narrative:
I recently pulled a copy of my credit report in XXXX and notice 2 accounts I have knowledge of or affiliation with. Those 2 creditors are XXXX  and XXXX XXXX. In XXXX  my information was compromised by my tax preparer as the company was relocation. I was advised files were missing that included my personal information. I reached out to the CRAs ( XXXX, XXXX, Transunion ) to have my profile temporary frozen. In XXXX I contacted the CRAs again to report the 2 fraudulent accounts I've never applied for, requested verification and for them to be removed. I checked again XXXX and accounts are still being reported. Reporting accounts due to identity theft violates 15 USC 1681 c-2. I also noticed someone attempting to access lines of credit because I now have credit inquiries from XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX. I have not authorized these transactions nor given any written consent for this information to be furnished to my report, which is in violation of 15 USC 1681B I am also requesting that my address is updated and also previous addresses not affiliated with are 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 non-monetary relief
Consumer complaint received 2024-01-12 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: SC

Complaint narrative:
I recently pulled a copy of my credit report in XXXX and notice 2 accounts I have knowledge of or affiliation with. Those 2 creditors are XXXX  and XXXX XXXX. In XXXX  my information was compromised by my tax preparer as the company was relocation. I was advised files were missing that included my personal information. I reached out to the CRAs ( XXXX, Equifax, XXXX ) to have my profile temporary frozen. In XXXX I contacted the CRAs again to report the 2 fraudulent accounts I've never applied for, requested verification and for them to be removed. I checked again XXXX and accounts are still being reported. Reporting accounts due to identity theft violates 15 USC 1681 c-2. I also noticed someone attempting to access lines of credit because I now have credit inquiries from XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX. I have not authorized these transactions nor given any written consent for this information to be furnished to my report, which is in violation of 15 USC 1681B I am also requesting that my address is updated and also previous addresses not affiliated with are removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 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: Harpeth Financial Services, LLC
State: AZ

Complaint narrative:
Ive had a line of credit account opened with AF247 for over a month. Ive paid necessary fees, made payments on time, and kept low utilization. I recently received my first statement, however customer support was not able to tell me directly when my new account will be reported to the credit bureaus. AF247 needs to update this information immediately to all 3 bureaus, as I opened this account and have been keeping it in great standing for the purpose of building my credit.

Company response to consumer: Closed with explanation