vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-21 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: NY

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Did not do an investigation at all. My social security number was breached all the negative items need to be removed immediately. How can an account keep reporting charged off for XXXX, XXXX, and etc? A account can only be charged off XXXX time. This is clearly a violation.

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 2024-08-21 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: AL

Complaint narrative:
Did not do an investigation at all. My social security number was breached all the negative items need to be removed immediately. How can an account keep reporting charged off for XXXX, XXXX, and etc? A account can only be charged off XXXX time. This is clearly a violation.

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 2024-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LoanCare, LLC
State: FL

Complaint narrative:
I keep getting a letter from Loan Care appears they are involved with mortgages. 
I have searded public records in my home county and the county of the home XXXX XXXX XXXX XXXX nothing appears being filed under my name or company. 

XXXX XXXX XXXX XXXX ( in recpt of letter ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ... 
XXXX XXXX ( sending me letter W/O purpose no XXXX with them ) XXXX XXXX XXXX XXXX XXXX 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 2024-08-21 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: NV

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-08-21 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: UT

Complaint narrative:
MOHELA recently transitioned their online accounts to the new studentaid.gov URL and provided lots of communication and updates about how the process would unfold. Included in an email ( attached ) sent to me on XX/XX/year> indicated that MOHELA was managing the transfer of Auto Pay information to try to ensure your payments arent interrupted. We will notify you if an interruption occurs so that you may make a manual payment via the new website after the transition is complete. 

I never received a notification that my Auto Pay would be interrupted for two months : XXXX and XXXX. Had I received a notification, I would have made manual payments to avoid incurring unnecessary interest charges. Instead, it was solely on me to keep track of my account history and discover that Auto Pay had not been deducted, as it was indicated it would be despite the transition.

This failure of MOHELA to manage the transition nor inform me of a need to make manual payments led to additional interest charges that would not otherwise have been incurred. This also led to the interst accrued to be capitalized into the principal balance. This is simply unacceptable for any loan servicing company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have multiple unauthorized inquiries and XXXX account that I have tried to dispute multiple times. 

Inquiries : XXXX XXXX XXXX  : Experian : XX/XX/XXXX XXXX XXXX XXXX : XXXX : XX/XX/XXXX XXXX XXXX  : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX : Experian : XX/XX/XXXX XXXX XXXX  XXXX  : XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX : XXXX XXXX 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 explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  is closed because mislead predator abuse advertising and recluir abuses mislead school misconduct lied all the time to go to the school and say that I will make more money and when I graduate I make the minimum salary

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC
State: NC

Complaint narrative:
HIPAA violation medical debt sold to third-party company without validation that the debt was mine

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I recently paid down a line of credit, and my credit score with TransUnion dropped substantially ( XXXX points ). This happened on or about XX/XX/2024. As a consumer, I have worked hard to maintain my credit rating. I have taken the recommendations from the credit reporting agencies, to try and increase my score by paying my bills on time. Why then after doing so, am I being penalized because I have paid off my debt? It would appear that this is working against consumers and not for them, regardless if the debt is being paid on time and according to the agreement set forth by creditors. I submitted a complaint to TransUnion when this happened with another loan, that I paid in full, and the only response was a written copy of my credit report. This does not explain why when paying in good faith the debt according to the agreement, a consumer receives a negative impact on their credit report, as opposed to receiving a positive one. This has nothing to do with income-to-debt ratios, because I also received an increase in my credit line with a different creditor, due to paying on time, which would have balanced out the loss of that credit line, the amount of credit was within dollars the same. Even if debt-income ratios were a factor, then I should have had an increase not a decrease in my score, because I now have less debt.

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 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to express my serious concern regarding the improper reinsertion of the inaccurate and unverified negative accounts on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 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: GA

Complaint narrative:
I am writing to express my serious concern regarding the improper reinsertion of the inaccurate and unverified negative accounts 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 explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
After checking my credit report, I noticed that fraudulent accounts are affecting 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 2024-08-21 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-08-21 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: NC

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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) 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.

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 2024-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: OH

Complaint narrative:
*Received notification of debt dated XXXX from Phoenix Financial Services Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX IN XXXX # XXXX PHX Acct # indicates XXXX On their form indicated " Write for and ask for the name and address of the original creditor-we must stop collection until we send you that information. You may select the form and check the box to send me name and address of original creditor '' On XX/XX/XXXX I wrote to them and filled out their form asking for information, 4+ months later I have received nothing around the original creditor nor detailed information. 
The " alleged '' debt is from over 2 years ago and I have not seen any communication nor details as to what comprised this " alleged '' debt. Just a notice which states you owe X.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: NY

Complaint narrative:
Recently I look at my credit report and noticed several on my account. this account is hurting my ability to obtain credit Its my understanding that Transunion and XXXX, will investigate this account for me to ensure accuracy here is the account. I am asking you to verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
in XX/XX/XXXX, roughly XXXX of the month, XXXXXXXX XXXX XXXX in XXXX  was contatcted to come diagnose my air conditioner, and recommended replacing both furnace and ac unit XXXX financing was offered, and approved BEFORE unit was installed. unit was delivered and installed next day. 

We were told wed receive a bill, and card for future use. I bill Finally arrived XX/XX/XXXX, with a due date of XX/XX/XXXX. Around the XXXX of XXXX, until the XXXX of XXXX I received DAILY calls, 4 times a day requesting payment for a bill, I had never received. The bill was paid, XX/XX/XXXX, in the amount of XXXX again paid XX/XX/XXXX, for anothjer XXXX again XX/XX/XXXX, for another XXXX. I have received XXXX calls in 4 days for a account that was paid, and on XX/XX/XXXX a synchrony bank customer service clown acknowledged was PAID, and no paymeny due until XXXX was also told a late fee was removed and id receive no further calls. 

today is XX/XX/XXXX, and ive gotten XXXX calls today already for this account

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 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX credit limit XXXX, XXXXXXXX XXXX XXXX credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and there's, two more I opened the account in XXXX I worked hard to build my credit always paid my credit card before due date, I had a emergency when my grandmother was given XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I reached out to let all of them know that I would be late and just paying the minimum amount I did thatXXXX I lost my job and I was late and I reached out again to let them know that I would pay what I could I made payment and I wasn't told that they were in collection I lost my husband XXXX and I was going through a XXXX and then probate in XX/XX/XXXX I started making payments again I just found out that the payment wasn't going to the bill and I've been contacted by more than 6 different companies that's giving false information for me to indulge into conversations I never gave my consent and I reached out to Equifax information in XXXX because the information isn't correct and sent them the documents and money order and I haven't received anything from them nor my money order stubs, and there's no payment history the dates of closing isn't correct, I worked hard to build my credit and I have done my part

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 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: NY

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-08-21 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: OneMain Finance Corporation
State: TX

Complaint narrative:
My Loan began on XXXX, XXXX XXXX with ONE MAIN FINANCIAL FOR THE AMOUNT OF {$12000.00}, MY 1ST PAYMENT WAS {$420.00} XXXX XXXX, XXXX XXXX Afther that I had to pay {$320.00} monthly. I received my Total Bal, Due on line never seeing what they took out on me until XXXX of XXXX after I, ve made x 10 additional payment, s of {$160.00}, {$100.00}, or {$160.00} over. separately 7-10 days after my regular Monthly payment, With bold letter, s apply to Principal only!! In my Own envelope, stamp & etc after the on Line payment. For some odd reason they finally sent me a paper statement with my last three payment, s on it showing they took out {$27.00} intrest on the monthly payment then {$41.00} on the additional payments that states principal only!!! If they did this then My total bal due is wrong because I, ve sent them over {$1400.00} additional and they have been taking extra intrest out on me holding me XXXX, Stealing from me preventing me from paying this loan off ahead of Schedule! This is Fraud, / theft and will lead into a LAW SUIT! I have already PD this CO Over the {$12000.00} I borrowed. They still have my Bal due almost {$3900.00}.!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Have numerous prepaid gift cards and they are impossible to use, no retailer is able to charge partial amounts and now its completely useless online. Several years ago these cards would work with XXXX, XXXX and the likes, but now they are just useless trash. Imagine this is Amex trying to keep the small balances as profits, how is this even legal?

Company response to consumer: Closed with monetary relief