vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-11 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 disputed these accounts for multiple inaccuracies and requested multiple times from the credit bureaus to provide me with all method of verification which they never responded or provided. I want these accounts removed as they should be in correlation with FCRA. They are required to provide 100 % accurate information and submit all methods of verification which they failed to do. 

1. XXXX XXXX  - XXXX PAYMENT STATUS - COLLECTION, LATE 120 DAYS, COLLECTION DATE OF LAST ACTIVITY - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX REMOVE DUE TO INACCURATE REPORTING. 

2. XXXX XXXX - XXXX DATE OF LAST ACTIVITY - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX  REMOVE DUE TO INACCURATE REPORTING. 

3. XXXX  - XXXX DATE OF LAST ACTIVITY - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX REMOVE DUE TO INACCURATE REPORTING XXXX. XXXX  - XXXX DATE OF LAST ACTIVITY - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX REMOVE DUE TO INACCURATE REPORTING 5. XXXX XXXX - XXXX DATE OF LAST ACTIVITY - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX REMOVE DUE TO INACCURATE REPORTING. 

6. XXXX - XXXX DATE OF LAST ACTIVITY - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX REMOVE DUE TO INACCURATE REPORTING 7. XXXX - XXXX REPORTING A COLLECTION/CHARGE-OFF BUT STILL REFLECTING A BALANCE OF {$1100.00}. 
DATE OF LAST ACTIVITY - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX REMOVE DUE TO INACCURATE REPORTING

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Received a letter from XXXX XXXX that we were no longer responsible for the payments on the timeshare and we were no longer allowed to use their properties. Lost original letter. Contacted company on multiple occasions to get a copy of the letter. They state that they can not find that letter in our file. Contacted them originally in XXXX to let them know that the second person on the loan had lost his job and we could no longer afford the timeshare. They indicated that there was nothing they could do to help us. These late payments are being reported to Experian monthly even though we were informed in the letter that we were no longer responsible. {$58000.00} in arrears and no one will call us back. This was supposed to be escalated to management but we have heard from no one. Also contacted XXXX XXXX who stated that if we received that type of letter then they should have released us from the loan after 14 days as the letter stated.

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 2024-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
YOU DID NOT COMPLY WITH MY INITIAL CEASE AND DESIST NOTICE. See cease and desist initial demands NOTICE on XX/XX/23. 

I demand the following actions be taken within 10 days of receipt of this letter : 1. Delete or remove all accounts from any and all non-affiliate 3rd party credit reporting agencies.

2. Delete or remove my nonpublic personal financial information from any and all consumer reporting agencies and your database or system of records.

3. Provide me a written response confirming the deletion of accounts from all credit reporting agencies and the termination of further collection efforts. 
If you continue to ignore my cease and desist demands i will file complaints with Governmental authorities for failure to comply under the FDCPA, FCRA and GRAMM LEACH BLILEY ACT for willful and non compliance along with identity theft with the Federal Trade Commission ( FTC ), Attorney General ( AG ), XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), Florida office of insurance regulator, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: Comerica
State: OH

Complaint narrative:
my money was stolen off my card in a withdraw ( direct express /Comerica ) a credit was given after failure to provide the paperwork to fill out the money was my non-garnishable SSI check fyi. i had to complete a handful of tasks. they gave me a credit mid-investigation where there knew all the facts then took it back 1 month later {$700.00} making it impossible to pay rent bills ect. i am launching an investigation if my funds stolen by direct express are not returned i already know they illeagaly work out of the united states.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments

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 2024-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Overcharged fees. My business checking went negative for fees and they closed it out without warning. Not cool, not professional, not honest. Bank of America is taking advantage of people

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 2024-01-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: CURO Intermediate Holdings
State: MS

Complaint narrative:
I wrote a check on XX/XX/XXXX. The check cleared the bank on XX/XX/XXXX with a different account number on it. That someone there marked out and put a new account number on it. They have reported on my credit that I didn't make that payment I wrote another check on XX/XX/XXXX and I put it in the local post office that the should have got on the XXXX or XXXX of XXXX. There was a letter in with this check stating what has happened and I give them 7 days to find and fix the problem or I would start filling complaints. This will not be the only complaint I file. What they are doing is wrong and some one will answer for what is happening before I stay and this will be remoy off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: FL

Complaint narrative:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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

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 2024-01-11 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: CA

Complaint narrative:
I have identified accounts on my credit report which are not mine and i believe were opened using all or part of my personal identifying information. I have contacted the creditors in question in writing and requested resolution. I was advised to request a fraud alert be placed on my credit reports as well as file a report with the Federal Trade Commission which is attached. 

The accounts are : XXXX XXXX - acct ending XXXX XXXX XXXX  - acct ending XXXX Inquires appear that I did not request are : XXXX XXXX XXXX XXXX XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2024-01-11 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: CA

Complaint narrative:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/ but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$22000.00} XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance XXXX - XXXX XXXX Inquired on XX/XX/ XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX XXXX Balance : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX : {$23000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : -

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 2024-01-11 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: CA

Complaint narrative:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/ but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$22000.00} XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance XXXX - XXXX XXXX Inquired on XX/XX/ XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX : {$23000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : -

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$1400.00} XX/XX/ 15 U.S.C , 1681section 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 an 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 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 2024-01-11 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: AMERICAN HONDA FINANCE CORP
State: LA

Complaint narrative:
I recently reviewed my credit report where I discovered that American Honda Finance ( account opened XXXX ) notated an account as Charge off /Collections on my profile. It was never disclosed to me upon our agreement that I had the right to opt in or opt out of my personal information being shared with a third party. In pursuant to title 15 U.S.C. 1681b ( a ) ( 2 ) any information placed on my Consumer report should be based in accordance to my written instructions. In pursuant to title 15 U.S.C. 1681c ( 4 ) No charge off /Collection should be listed on a consumer report without written consent and an adequate notice antedating 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
I was discriminated against I was denied of my own personal credit title 15 subsection title 1611 faults and misleading denial of my own credit, and bureau and agencies are sharing incorrect and false information 15 USC 6802, 15 USC 6803, 15 USC 6804 and 15 USC 6805. giving me a bad reputation on my credit profiles.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I became aware of my identity being stolen when XXXX notified me via email on Monday, XX/XX/XXXX, stating that a credit inquiry had been initiated bXXXX XXXX XXXX XXXX, a financial institution I had never engaged with before. The following day, XX/XX/XXXX, I received an email from XXXX XXXX XXXX  congratulating me on the approval of a new credit card, which I had not applied for. Taking immediate action, I contacted XXXX XXXX XXXX to request the cancellation of the line of credit, making it clear that I was not the individual who initiated the credit request. 

Subsequently, I reached out to XXXX to file a dispute and promptly reported the incident to the Federal Trade Commission. Shortly after that, I received another email from XXXX XXXX regarding an XXXX XXXX card that had been opened in my name. To address this, I contacted XXXX XXXX and requested the closure of the account associated with the fraudulent activity. They informed me that if XXXX XXXX XXXX  closed the credit account, the XXXX XXXX card would automatically be closed because of the affiliation between the two. 

I filed a police report on XX/XX/2024, with XXXX XXXX of the XXXX XXXX Police Department, XXXX XXXX recommended that I file this report with IC3.gov. 

I contacted all three credit bureaus to initiate a freeze. However, I encountered an issue with TransUnion when the representative started asking me unrelated and confusing questions, like the residence locations of unfamiliar individuals. This prolonged questioning and the agent 's heavy accent made it challenging for me to comprehend. When I expressed my difficulty in understanding, she mentioned that due to my perceived failure in the verification process, I needed to call back after XXXX hours to implement the freeze, before ending the call she tried to sell me a product. 

I then went online where I was able to place the freeze on TransUnion Credit reporting free of the condition of product purchase.

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 2024-01-11 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: FL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
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 2024-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: WI

Complaint narrative:
Starting XX/XX/, I sent emails to MOHELA for repayment of student loan payments also tried to upload documents for the Public Service Loan Forgiveness application. I was not able to upload the required verification documents. I created an account as the US Dept of Education directed me to. I sent numerous emails that were not answered. I received two back one from each stating they would get back to me with a response. As of this date, I have had NO response from either agency! I have no idea where my loans stand, and no repayment plan. I have got NO HELP from anyone!! Im angry, as the interest keeps accruing interest. I need assistance and guidance in the process. Absolutely no communication from MOHELA or US Dept of Education!!

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: SC

Complaint narrative:
Subject : Formal Complaint Regarding Unauthorized Reporting on My Consumer Report Dear TransUnion Consumer Relations, I am writing to formally complain about the inaccurate reporting of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX on my consumer report. As a consumer, I am deeply concerned about the violation of my rights and the breach of privacy associated with these unauthorized entries on my credit report. 

First and foremost, any addition of items to my consumer report requires my explicit written permission, even in cases of permissible purpose. It is crucial to acknowledge that my consent is a mandatory prerequisite for such reporting, especially considering that this information constitutes my non-public personal information, which should be safeguarded at all costs. 

None of the four accounts mentioned above have my explicit written consent, indicating a severe breach of privacy and potential identity fraud. This is not only an infringement on my rights but also a violation of South Carolina law, particularly under the South Carolina Code of Laws : 1. Section 37-20-110 : Prohibits unfair or deceptive acts or practices in consumer transactions.

2. Section 37-20-160 : Regulates the accuracy of consumer credit reports and consumer reporting agencies. 

I urge TransUnion to promptly investigate this matter, rectify the inaccuracies on my credit report, and cease the reporting of unauthorized information. Failure to do so may result in legal action to protect my rights and seek appropriate remedies under the specified South Carolina laws.

Furthermore, under the Fair Credit Reporting Act ( FCRA ) : 1. Section 1681e mandates that consumer reporting agencies ensure the accuracy of reported information. 
2. Section 1681b outlines the permissible purposes for accessing consumer reports, and the lack of my written consent for the mentioned accounts constitutes a violation.

3. Section 1681i entitles consumers to dispute inaccurate information on their credit reports, and I hereby dispute the unauthorized entries mentioned. 

I expect TransUnion to adhere to both South Carolina laws and the Fair Credit Reporting Act, taking immediate action to rectify this situation in compliance with federal and state law. 

Please provide a detailed response within 30 days, outlining the steps taken to address this issue. 

Thank you for your immediate attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 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: IL

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation