vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-19 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: MI

Complaint narrative:
DELETE XXXX  XXXX in accordance with the Fair Credit Reporting act 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 XXXX XXXX I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: VA

Complaint narrative:
Company continues to provide inaccurate information without providing validation of information. Company does not have my written consent to provide said inaccurate information to creditors. Please immediately provide complete credit report in compliance with 15 U.S.C.1681c-2,15U.S.C 1681 ( b ) ( 2 ), 15 U.S.C.1618 ( a ) ( 1 ), 15 U.S.C.1601, FCRA 604 ( C ), AND ALL APPLICABLE CREDIT LAWS.

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 2023-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I was approached with an chance to invest in an account and told to wire funds to start and open an account I did that and few days later I was sent account number and code to see account when I tried to transfer funds I was told to pay an activation fee which I did sent another wire when I tried to make a transfer I was told I needed to pay a card fee and a licensing fee which I did sent another wire when I tried to withdraw I was told tax dept put a hold on account for unpaid taxes so I sent another wire once again I tried to withdraw only to be told government drug enforcement determined my name show illegal activey and I needed to pay for a back ground history for my name to clear it and have account released at this point I was completely out of money so I told them I would get back to them that is when I contacted payback for help and during this whole time period not once did Citizen Bank ever ask if I was sure about these wires

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Hello Im reaching out because Im having an issue with my student loans. 

As of recently Ive been having some health issues that kept me from making my timely payments on time as I normally do. Its been reported that Ive been XXXX past due to the credit bureau, which caused a dramatic hit to my credit score. Ive had perfect credit for years now.. I pay all my bills on time and sometimes more than what is asked of me. Im asking for a Goodwill Deletion, seeing this is the first time that Ive ever been late. Im a single mother doing the best I can. Im currently starting my house buying process and this has set me back hugely!! 

Im not disputing that I was late, however I would greatly appreciate it if I wasnt punished to such magnitude over my very first mishap. My credit score dropped XXXX points. Once I caught wind of the situation I went ahead and made the account current, even offering to immediately pay it the entire balance. If there is anything you can help me with Id greatly appreciate it

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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Hello Im reaching out because Im having an issue with my student loans.

As of recently Ive been having some health issues that kept me from making my timely payments on time as I normally do. Its been reported that Ive been XXXX past due to the credit bureau, which caused a dramatic hit to my credit score. Ive had perfect credit for years now.. I pay all my bills on time and sometimes more than what is asked of me. Im asking for a Goodwill Deletion, seeing this is the first time that Ive ever been late. Im a single mother doing the best I can. Im currently starting my house buying process and this has set me back hugely!!

Im not disputing that I was late, however I would greatly appreciate it if I wasnt punished to such magnitude over my very first mishap. My credit score dropped XXXX points. Once I caught wind of the situation I went ahead and made the account current, even offering to immediately pay it the entire balance. If there is anything you can help me with Id greatly appreciate it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Hello Im reaching out because Im having an issue with my student loans.

As of recently Ive been having some health issues that kept me from making my timely payments on time as I normally do. Its been reported that Ive been XXXX past due to the credit bureau, which caused a dramatic hit to my credit score. Ive had perfect credit for years now.. I pay all my bills on time and sometimes more than what is asked of me. Im asking for a Goodwill Deletion, seeing this is the first time that Ive ever been late. Im a single mother doing the best I can. Im currently starting my house buying process and this has set me back hugely!!

Im not disputing that I was late, however I would greatly appreciate it if I wasnt punished to such magnitude over my very first mishap. My credit score dropped XXXX points. Once I caught wind of the situation I went ahead and made the account current, even offering to immediately pay it the entire balance. If there is anything you can help me with Id greatly appreciate it

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 2023-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE
State: KY

Complaint narrative:
I applied for a Platinum Perks Checking Account with Huntington Bank on XXXX XXXX in order to take advantage of a new customer offer the bank was running. They promised to give new customers a {$600.00} bonus if they deposited {$25000.00} or more with the bank and kept an account open. I called customer service with the bank TWICE inquire about the steps that needed to be taken for me to take advantage of this offer, once just before I opened the account. I went through the bank website to open and account and attempted multiple times to have a promo code sent to my email address, but nothing ever arrived. I checked spam folder as well and never received anything. I called customer service with the bank again and was ASSURED that the promo code would be applied automatically if I signed up for an account through the link on the website below the offer. I did so, just as instructed. 

I've met all the criteria to receive the {$600.00}. I called the bank today, XXXX XXXX, to MAKE SURE there was nothing else I needed to do to get the offer and was told by both a CSR and a customer service manager that there was no promo code applied to my account and that I would not receive the bonus as the offer stated. 

I feel like this was a clear scam, and an instance where Huntington Bank misled me into opening an account and depositing a large sum of money with then on the promise that I would get a {$600.00} bonus ... a promise they clearly did not keep.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
The balance was paid in full, but it is still on my credit history.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-19 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: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act 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 dept ed XXXX I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2023-10-19 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report and found unverifiable, invalidated, inaccurate and questionable items that XXXX/Transunion didnt make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S code 1681 e ( b ) and 15 U.S code 1681i ( 5 ) these accounts are in violations of not reporting 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-10-19 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

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 2023-10-19 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act 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 XXXX XXXX I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2023-10-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: Advance America, Cash Advance Centers, Inc.
State: IN

Complaint narrative:
I was not aware of these fraudulent charges on to my credit report of XXXX $ from advanced America and these fraudulent hard inquiries on my credit report i did not authorize these companies to run my credit, this is fraudulent 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 yes i made an report to the identitygov

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: World Acceptance Corporation
State: NM

Complaint narrative:
Company rode off closed my account without my consent without my acknowledgment. Without my agreement, no contact informing me of the actions taking part on my account. 
I didn't consent nor did I receive any articles of notification. No a phone call letter in the mail. When contacting them they said by law they don't need my permission to sell my account to a Third party And when I asked for information about it. They said the account was closed. And they can't give me any more information. Due to the fact that the account was close. WORLD FINANCE CORPORATIO I have disputed this many times with all three credit Bureaus. On one instance I had gotten I had made it dispute to have 1 of the negative items removed from my credit report because of the fact it was written off and closed without my consent written agreement. Or did I approve it? They then took it off of my report and 3 days later. They put it back on my report. I have to call them and get upset with them. I don't understand why they took that credit report off. Which is exactly the same in the matter that they both were written off and without my consent. Why is one of them taking off and not the other? That doesn't make sense when they're both written off and closed. They both should have been taken off due to the fact that if they sold my account, that means they forged my signature and that is against the law. Without me, approving or knowing about it without even informing me. Now one of them was deleted. 
But the other one, they're keeping on my record 7 years " Now this is causing me great deal of harm to my well-being to my financial structure ''. As far as continue to live a prosperous life with the accessTo my credit. In fact, these companies falsified official documents selling my account Without any permissions or signatures by me. Without even my acknowledgment of the fact they were doing suggestions even on occasions. I looked at my credit report. I would have really appreciate me being treated With the rights that I am entitled to Having this deleted off my credit report .Because of the fact that it is against the policy and the Procedures of the consumer Protection act.

Like I said this is causing me great " Harm '' and disrupting my " well-being '' and " way of life '' to be " disruptive Immensely. '' I need this matter resolved immediately or as soon as possible.! I appreciate all you do and all your efforts. And the knowledge that you guys share for the consumers. Sincerely a consumer of the United States of America. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANCO POPULAR DE PUERTO RICO
State: NY

Complaint narrative:
Please close my account. I have had nothing but problems with fees on my account and just want it closed at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

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 2023-10-19 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: NJ

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I deposited a check on XX/XX/XXXX at XXXX pacific time. The anticipated deposit date was set to XX/XX/XXXX. On XX/XX/XXXX at XXXX pacific time, capital one emailed me that my funds will not be available until XX/XX/2023. The customer service agent I spoke with said he had to get me to another department. I am still on hold. There is no quoted time of how long someone will be. There are also no capital one locations where I can go and speak with someone about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: V and H Portfolio
State: TX

Complaint narrative:
On my credit report, they keep on reporting it as a new debt It was filed again in XX/XX/XXXX as a new debt was already reported in XXXX and they keep on refunding it like its a new debt thats got to be illegal. Affecting my credit in a negative way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: OH

Complaint narrative:
My ex-husband and I have a consolidated spousal loan ( we understand that once the federal government updates the application process we will be able to uncosolidate the loans ). 

Federal Student Loans had me as primary on the loan ( the entire spousal loan was showing under my federal student loan account, and showing XXXX under my ex account ) My ex-husband qualifies for PSLF Prior to Mohela taking over PSLF my ex husband applied for the TSPLF forgiveness and federal student aid kept telling him he doesn't have any student loans and therefore does not qualify ( I was primary at that time so despite us explaining that to them and asking how to fix it, they just said sorry you don't qualify and would discontinue the conversation ) Mohela is our servicer on the loans, and they told us to wait until they took over and to reapply since they can see our joint loans. We did that, and the loans were updated as making the XXXX payments and qualifying for forgiveness. 
During the process of applying for PSLF federal student loans then switch my ex husband to the primary, and my federal student aid account dropped to XXXX and I no longer have access to the account. 

Mohela however has me as primary on the joint consolidated account serviced by them. Therefore, I think every time they send over the request for discharge Federal Student Aid looks up the discharge under my social and sees a XXXX on my account. 

We have spent countless hours with Mohela trying to explain that my ex social needs to be on request, and we either get someone that doesn't understand, or tells us to wait. We have had a number of individuals tell us they would fix this and then resend the request to federal student aid.

Despite the numerous attempts to get this discharged, we are still showing a full loan balance and no discharge.

Any assistance would be appreciated as we have spent so many hours with Mohela, and Federal student aid will only talk to my ex ( despite me being jointly liable on the debt as a whole ) This has been going on well before XX/XX/, but I attached the status from Mohela. I have no idea why they have multiple applications, but they keep sending us the same form below and nothing is happening.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation