vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-08 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: OK

Complaint narrative:
In Accordance With The Fair Credit Reporting Act XXXX XXXX XXXX  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

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 2023-06-08 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 non-monetary relief
Consumer complaint received 2023-06-08 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: EQUIFAX, INC.
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was in starts of my homeownership journey and I realized I had damages on my credit report. According to the 15 U.S.C 1681 law there should not be any damages to my report. I have recently reviewed my credit report and discovered that a medical collection account is listed XXXX XXXX XXXX account # XXXX, which I believe to be incorrect and unfair. I kindly request your assistance in having this collection removed from my credit report. 

I have not received any verification or proof of the debt from the medical provider or the collection agency. According to the Fair Debt Collection Practices Act ( FDCPA ), consumers have the right to request verification of the debt within 30 days of receiving a collection notice. I have previously disputed this collection with the credit reporting agency and requested verification, but no satisfactory response has been provided. I urge you to ensure that the collection agency provides proper verification of the debt or removes it from 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 2023-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: TX

Complaint narrative:
I currently receive my paychecks direct deposit using Credit Karma on XX/XX/2023 my paycheck of {$630.00} was deposited into my account and a freeze was placed on my acct. I contacted Credit Karma via phone and they told me that they are unable to tell me why the freeze was placed on my acct and that it was for my protection. They said that a special department handles these cases and they are reviewing the matter. They said they can not provide me with a timeframe and to just wait to hear back from someone via emal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
Ive been paying on my title loan for going on 6 years, maybe more. Ive moved across the country since and I dont know where I placed the paperwork. They forced me to get the payment protection so if I were to XXXX they would consider the debt paid. Im paying about 100 % interest on the loan with almost {$6000.00} left to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: MI

Complaint narrative:
They made it seem like I had to have an add on benefit that they offered or things could potentially get bad as in the interest rate going up, or my payments going up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Opportunity Financial, LLC
State: FL

Complaint narrative:
I'm submitting this complaint against OppLoans and XXXX XXXX for practices that I believe infringe upon the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). As per my agreement with OppLoans, all disputes concerning my account were to be settled through arbitration. However, without my consent or any arbitration proceedings, OppLoans transferred my loan to a collection agency, XXXX XXXX. In their response, they confessed that they no longer own the debt ; it was now held by a collection agency. I argue that this act is a breach of contract and infringes upon my rights as a consumer. Upon becoming aware of this issue, I reached out to OppLoans and expressed my readiness to repay the debt directly to them. Despite my readiness to settle the debt, OppLoans declined to retrieve the debt, which I believe was transferred unlawfully. Moreover, in the process of this transaction, OppLoans revealed my personal information to XXXX XXXX without my consent. I maintain this is a violation of FCRA Section 604 ( a ) ( 3 ) ( F ), which limits the distribution of consumer data without a legitimate business requirement. After acquiring my loan, XXXX XXXX has resorted to harassment to recover the purported debt. They have phoned me multiple times during my work hours and even reached out to my workplace directly. They also threatened to report the debt to credit bureaus if I didn't comply. To avoid further harassment and potential damage to my credit report, I felt compelled to pay XXXX XXXX. I posit that these actions contravene FDCPA Section 806 ( 5 ), which forbids causing a telephone to ring or engaging any person in telephone conversation repeatedly or incessantly with the intent to annoy, abuse, or harass any person at the dialed number ; FDCPA Section 805 ( a ) ( 1 ), which prohibits communication with a consumer concerning the collection of any debt at the consumer 's workplace ; and FDCPA Section 807 ( 5 ), which forbids the threat to carry out any action that can not legally be executed or that is not planned to be executed. In light of these concerns, I request the CFPB to probe into these issues and take suitable action to safeguard my consumer rights. I also urge that OppLoans expunge this account from my credit report immediately, as I believe it was unjustly sold and reported to the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: First Advantage LNS Inc.
State: MD

Complaint narrative:
I have repeatedly asked to have my credit report with company Ncac Since last year updated on XXXX, XXXX, XXXX to reflect the correct balance of debt settle for less than. The debt was settled for {$6000.00} and Balance is {$3500.00} Each credit reporting agency keeps reporting that the information is correct and have not giving me proof of their investigation. I have also asked Ncac to provide me proof that the have the right to collect this debt with no response. I am asking that all credit agency removed this debt of my credit report since the fail provide proof of their investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/2023 I use my card at the XXXX in XXXX to get gas with a total of {$10.00}. Are use the card at the pump and everything seemed fine until last Friday, XX/XX/2023. I was at my childrens school helping out with play day when I received a notification that my card was overdrawn. Now I knew at the time that I had several hundred dollars in the account as I had just gotten paid a total of XXXX and I had some money already in the account prior. When I opened my app, it showed that several hundred dollars at a time were being taken out at a XXXX so I called reported it told them that I had the card in my possession and that I needed that money to pay my rent that day and they told me that there was really not much they could do. They sent me my new card but the money was held up for a total of 90 days they could not issue a credit. They said they could put in a hardship but it wouldnt guarantee anything. I called to try to ask them what the status was. They said we cant really offer any more information theres really nothing we can do. I really need help getting some sort of credit put towards it especially when it wasnt even a credit card its a prepaid child support card where the money was sitting there, and very obviously not used by me in this instance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
ON XXXX/XXXX/2023 There were XXXX unauthorized Hard inquires reported on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX please remove in accordance with 15 USC 1681.

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 2023-06-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: OneMain Finance Corporation
State: SC

Complaint narrative:
This was fraudulent activity due to my personal belongings being stolen I tried to let them know but I never got a response somehow someone hack my information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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: PA

Complaint narrative:
I have fraudulent accounts and inquiries appearing on my credit report. 
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

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 2023-06-08 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.

Complaint narrative:
15 U.S. Code S 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! 

1. NO CONTRACT XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

2. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

3. NO CONTRACT XXXX Account Number : XXXX Please investigate and delete from my credit report. 

4. NO CONTRACT APP OF TENNESSEE ED XXXX Account Number : XXXX Please investigate and delete from my credit report. 

5.  NO CONTRACT APP OF TENNESSEE ED XXXX Account Number : XXXX Please investigate and delete from my credit report. 

6. NO CONTRACT APP OF TENNESSEE ED XXXX Account Number : XXXX Please investigate and delete from my credit report. 

7. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 8. NO CONTRACT APP OF TENNESSEE ED XXXX Account Number : XXXX Please investigate and delete from my credit report. 

9. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Please investigate and delete from my credit report. 

10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please investigate and delete from my credit report. 


These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Beginning on XX/XX/2023, two different individuals without my permission or knowledge opened joint savings accounts with my name on them. They did this over the phone and then proceeded to transfer money from my 2 savings accounts and checking account. These fraudulent transfers totaled approximately {$36000.00}. The identity theft and fraudulent transactions left me with next to nothing in my accounts. These actions came to my attention when a received a Welcome to XXXX checking account promotional packet. On XXXX XXXX, 2023, I immediately made an appointment with my local banker and froze my accounts. Fifth Third initially said it would be resolved in 8-10 business days and then extended that to 30-45 days. The 5-3 fraud department has not been helpful in communication with me, their urgency to complete the investigation of my situation along with any financial alternatives.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-08 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 I have the right to privacy.

15 USC 1681 604A Sec 2 : Also state a consumer reporting agency can not furnish an account without my written instructions.

15 USC Cose 1681a : Rules of construction Exclusions-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences the between the consumer and the person making the report.

15 USC 1666B A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose.

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 2023-06-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 I have the right to privacy.

15 USC 1681 604A Sec 2 : Also state a consumer reporting agency can not furnish an account without my written instructions.

15 USC Cose 1681a : Rules of construction Exclusions-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences the between the consumer and the person making the report.

15 USC 1666B A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 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: CO

Complaint narrative:
On XX/XX/XXXX I submitted my PSLF loan application for forgiveness. 

On XX/XX/XXXX I received a letter stating that my employment had been verified and that my loans would be transferred to MOHELA. The letter indicated that the only step left was to check that I submitted 120 payments, and then my loans would be forgiven. The letter asks me to wait for instructions from MOHELA and that this could take up to 90 days. 

I have not received any communication from either MOHELA, FSA, or my previous loan servicer ( XXXX ). It has been one year and 8 months, and I have not received any communication about my loans. When I log into the FSA website it says my loans are serviced by XXXX, but when I log in, I can't see my loans, and my dashboard is blank. 

I have called MOHELA multiple times and re-submitted my application in XXXX of XXXX. The representatives told me that I need to talk to XXXX and the representatives at XXXX had me call the Federal Student Aid number. The representatives there directed me back to MOHELA. No one knew how to help me. I called XXXX again, and they said they don't have a record of my loans at all. They directed me to MOHELA. Since I do not have an account with MOHELA I can not log in, I can not see my loan information, and the representatives on the phone keep telling me to contact XXXX. 

I called again in XXXX of XXXX and the MOHELA representative was able to find my information in the system. She said that a temporary account had been created, and she could see that my employment had been verified but didn't know why I was never e-mailed or sent hard copies so that I could finish setting up my account. She could not manually transfer my loans, but she assured me that she escalated my account and that within 90 days I would receive a communication. Nothing has been sent, and it's been almost 2 years since I applied for forgiveness. I can not see the status of my loans, I can't make monthly payments, I can't do anything. Soon the temporary pause on student loan payments is ending, and I still can not get answers as to what is going on with my loan, and I can not see my balance, interest, or if my forgiveness will go through. This is unacceptable. 

I called again on XX/XX/XXXX and the representative once again told me they would manually transfer my loans, and she could see the one from XXXX, but that it never went through. After lots of pressing on my end, she was able to help me get a log in, so that at least I can log into the MOHELA website and see my blank dashboard. I still can not see my loan information, interest, payments, nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief