vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-01 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: World Acceptance Corporation
State: MN

Complaint narrative:
XXXX XXXX XXXX XX/XX/2023 Dear Sir/Madam, I am writing to formally dispute an item in my credit report that I believe to be inaccurate. As per my rights under the Fair Credit Reporting Act ( FCRA ), I request an investigation into the following item ( s ) on my credit report : Creditor Name : XXXX XXXX XXXX  XXXX ~ XXXX XXXX XXXX XXXXXXXX ~ XXXX I have reviewed my credit report, and I believe that the information provided above is incorrect and should be rectified. According to the FCRA, it is the responsibility of the credit reporting agency to conduct a reasonable investigation within 30 days of receiving this dispute letter. 

I kindly request that you : * Conduct a thorough investigation into the disputed item ( s ) mentioned above. 
* Provide me with written results of the investigation. 
* Remove or correct the inaccurate information from my credit report, if found to be inaccurate. 
* Notify me in writing of any changes made to my credit report as a result of this dispute. 
* Please be aware that the FCRA obligates you to inform the furnisher of the disputed information about the nature of my dispute. I expect you to adhere to this requirement promptly. 

Section 605 of the FCRA covers the rules regarding the time periods for which certain adverse information may be reported in consumer credit reports. Specifically, it governs how long negative information, such as late payments, bankruptcies, or tax liens, can remain on a consumer 's credit report. 

Section 1681b of the FCRA governs the permissible purposes for which consumer reports can be obtained and used by various entities. It outlines the circumstances under which a consumer reporting agency can furnish a consumer report to third parties, such as creditors, employers, and landlords. 

Thank you for your assistance in resolving this matter. Please contact me at the address or phone number provided below should you require any further information. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX filed a dispute with Equifax in regards to a fraudulent account attempted too be opened in my name I received Mail from XXXX XXXX saying they deleted account and reported it fraudulent too all credit bureaus so I need answers as too how Equifax Validated my disputes because they keep reporting incorrect information and account on my report FCRA 611 ( a ) ( 7 ) I would like for these companies submit verification of signature where I gave them permission to run my credit. I would like for under FCRA 611 ( a ) ( 7 ) the companies submit documents of signature or my permission for them too run my credit if companies can not provide documentation I would like them too remove the inquiries off my report please and thank you. 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 The above listed are Inquiries That I have disputed with Equifax and they refuse too remove even though companies has sent me letters stating it should be removed and too contact Equifax for account update

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NV

Complaint narrative:
I went in to XXXX to purchase a XXXX time use vanilla visa gift card on XX/XX/2023. Upon paying for the gift card and opening it, there were multiple numbers scratched off the card including the security code on the back. The magnetic stripe was also XXXX. I paid for a {$420.00} card as well as a {$5.00} fee to load it. Upon informing the store they told me they can not do anything and I am out {$420.00}. I have called vanilla visa aka incomm who will not help me. I have contacted XXXX corporate office as well as the local store where it was purchased. They will not refund me nor will they exchange it for a working card. It seems as if an employee tampered with the package and waited for it to be loaded to have the numbers to use for themselves. They employee who sold it to me explained he has never seen anything like that before and the card was useless even though I spent {$420.00} and that XXXX has stolen my money or the person who tampered with it has the funds now

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: GA

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-08-01 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: GA

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: DApps Platform, Inc.

Complaint narrative:
Commencing on or around XX/XX/2023, I fell victim to XXXX multi-layered scam operations run by XXXX XXXX ( the Fraudster ), who involved me in making deposits for a total amount of XXXX CAD from my Trust Wallet account to a fraudulent investment firm ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I reached out to credit reporting company several times to remove incorrect names addresses and account 's that are showing on my credit report. I reached out in XXXX, XXXX and XXXX. As of now, which we are in XXXX nothing has been 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 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I reached out to credit reporting company several times to remove incorrect names addresses and account 's that are showing on my credit report. I reached out in XXXX, XXXX and XXXX. As of now, which we are in XXXX nothing has been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I made a payment on the Synchrony Bank CC portal. They took the money from my checking account but will not post it to my credit card account for 5 days! They are holding my money hostage.

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 2023-08-01 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: NY

Complaint narrative:
It has come to my attention that certain negative items, which I believe to be inaccurately reported, continue to appear on my credit report. Despite my previous attempts to dispute and rectify these items, Experian has failed to take appropriate action to correct the inaccuracies. This lack of responsiveness to my legitimate concerns is deeply concerning and reflects poorly on the reliability and professionalism of Experian as a consumer reporting agency. 

As a responsible consumer, I have been diligently monitoring my credit report, and it is disheartening to see that the same erroneous information persists, affecting my ability to secure credit, loans, and other financial services. I have made significant efforts to improve my financial standing, and it is frustrating to see these efforts go unrecognized due to the persistence of inaccurate negative items. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. I have submitted valid disputes to Experian, providing supporting evidence to substantiate my claims. However, the lack of response from Experian or the failure to conduct a thorough investigation into my disputes has left me feeling disregarded and disheartened. 

I demand that Experian take immediate action to reevaluate and rectify the disputed negative items on my credit report. I implore the agency to conduct a diligent and unbiased investigation into my disputes, as mandated by federal law. It is essential that Experian acknowledges the gravity of its responsibilities in accurately reporting consumer credit information and adheres to the guidelines set forth by the FCRA. 

If the necessary actions are not taken promptly, I will be left with no choice but to escalate this matter to relevant regulatory authorities and seek legal recourse to protect my rights as a consumer. I hope it does not come to that, as I believe it is in the best interest of both parties to resolve this issue amicably and expeditiously. 

I expect a written response from Experian, addressing the specific actions taken to review and correct the inaccuracies in my credit report. Additionally, I request confirmation that the negative items in question have been appropriately removed or updated, along with a revised copy of my credit report reflecting these changes. 

Please treat this matter with the urgency it deserves, and I look forward to your prompt response to ensure a swift resolution.

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 2023-08-01 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: IL

Complaint narrative:
I have made several attempts to get my student loan written off and closed on all three of my credit reports as this is a debt consolidation loan with Fed Loans which was for my XXXX  and XXXX  XXXX! I started repayment of my XXXX XXXX in XXXX when I graduated then returned to college to finish my XXXX  and consolidated my loans with XXXX XXXX, then went to work for the XXXX XXXX IL and XXXX XXXX  took them over now Mohela has taken the same loan over from XXXX XXXX!! 

It is the governments job and responsibility as well as their services to update all accurately, to track all loans when consolidated accurately and to follow the laws and write off student loan debt that has been paid on for 20-25 years but is not yet paid off!!!!!!! I started into repayment in XXXX and this is XXXX so have been paying on mine XXXX yrs!!! I want these loans written off and all information showing correctly in ALL of my credit reports, also their responsibility and job!! I then want my documents mailed and emailed to me showing all has been done and my corrected credit reports mailed to me!!!! 

I have tried to correct with the Dept of EmploymenXXXX twice, The credit reporting agencies numerous times one is attached which shows they did NOT remove it as they claimed and I want it written off not removed it should show XXXX balance the law states student loan balances are to be written off after 20-25 yrs of payments, it has been XXXX yrs!!! I also have tried to fix with Mohela numerous times and no one has fixed it!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
A letter requesting in investigation into this matter was send to all three credit bureaus with no response. I would like for these accounts removed form my credit profile. XXXX XXXX Balance : {$190.00} Account # XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Balance : {$360.00} Account # XXXX Open : XX/XX/XXXX XXXX XXXX XXXX Balance : {$800.00} Account # XXXX XXXX XXXX XXXX XXXX Balance : {$900.00} Account # XXXX Open : XX/XX/XXXX XXXX XXXX XXXX Balance : {$1400.00} Account # XXXX Open : XX/XX/XXXX XXXX XXXX Assoc Balance : {$450.00} Account # XXXX Open : XX/XX/XXXX XXXX XXXX XXXX Balance : {$710.00} Account # XXXX Open : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: SC

Complaint narrative:
Dear CFPB, I am writing to you to formally file a complaint against XXXX due to their gross negligence and lack of transparency, which has led to a significant financial setback for me. 

In XXXX, I purchased a property with a mortgage from XXXX XXXX XXXX  which was later sold to PennyMac and in the closing disclosure document, my property tax was estimated at around {$2000.00} annually. However, I recently discovered that my property tax was escalated to {$8000.00} in XXXX due to my status as a non-resident in the county. This was a crucial detail that neither the mortgage company nor the local tax office had informed me about, thus depriving me of the opportunity to rectify my residency status. 

Despite this substantial change in the property tax assessment, PennyMac did not provide any notification until XX/XX/XXXX through an Escrow Analysis document, revealing a negative escrow balance and proposing an unexpected increase in my monthly mortgage payment. This delay in communication has led to a financial burden that could have been preventable with prompt and transparent communication. 

I have already expressed my concerns to the mortgage company and have made it clear that I do not accept the increase in my mortgage payment due to this issue. However, I have not yet received a satisfactory response or resolution from them. Given the magnitude of the problem, I feel compelled to involve your bureau in order to reach a fair resolution and to prevent such incidents from happening to others. 

Enclosed with this letter are copies of my original closing disclosure, the recent Escrow Analysis document from PennyMac, and the email correspondence I have had with them regarding this issue. 

I kindly request your assistance in investigating this matter and helping me reach a fair and just resolution. It is crucial that companies like PennyMac are held accountable for such oversights to ensure the rights and financial well-being of consumers. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: NV

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.

has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-08-01 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: NV

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.

has violated my rights. Or list of inquiries 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 2023-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
1 ) On XX/XX/2023 Citi Cards notified me that my card ending in # XXXX had suspicious charges, a series of $ XXXX purches of phonecards from XXXXXXXX 2 ) I disputed the charges and Citi opened an investigation 3 ) Months went by without notice until I happened to notice that my online balance suddenly increased from Citi reversing the dispute credit 4 ) I received a letter ( that i will attach below ) stating the vendor said the charge was legitimate ; the vendor cited that they had my address ( which was correct ) and a phone number ; the phone number is not tied registered to me- I had no knowledge of this vendor, this phone number, and I have never purchased phone cards 5 ) XXXX said I had not disputed with them in their letter 6 ) I call XXXX early in XXXX, and they would not speak to me because I could not validate the information related to the phone number that the cards were charged too- I CAN'T validate that information because it isn't my account, asked to speak to someone in a supervisory position and XXXX hung up one me 7 ) I called Citi on XXXX to re-open the dispute ; a representative at an off-shore call center promised me it would be re-opened and I would not have to pay these charges 8 ) on XXXX I got a bill reminder ; I called into Citi and they said the dispute had not been reopened. 
9 ) I did not order these cards ; the cards were not delivered to my address and XXXX is hiding who ordered these cards ; Citi 's off-call dispute center seems to be disconnected from US systems 10 ) I am willing to file charges with the FBI and local law enforcement and testify under oath these are not my charges 11 ) I have also filed an FTC complaint against XXXXXXXX the report number isXXXX

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