vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-02 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: GA

Complaint narrative:
I had a secured loan with XXXXXXXX XXXX XXXX and it is currently reporting on XXXX, XXXX and Equifax. The payment history on my credit report is currently incorrect, it should show a total of 12 on-time payments starting in XX/XX/year> and ending on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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: GA

Complaint narrative:
I had a secured loan with XXXX XXXXXXXX XXXX  and it is currently reporting on Experian, XXXX and XXXX. The payment history on my credit report is currently incorrect, it should show a total of 12 on-time payments starting in XX/XX/year> and ending on XX/XX/year>.

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 2024-06-02 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: GA

Complaint narrative:
I had a secured loan with XXXXXXXX XXXX XXXX and it is currently reporting on XXXX, Transunion and XXXX. The payment history on my credit report is currently incorrect, it should show a total of 12 on-time payments starting in XX/XX/year> and ending on XX/XX/year>.

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 2024-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
XXXX and XXXX are both reporting wrong information on my report stating that Santanders auto loan was charged off when it was paid in full. I have letter from Santander saying it was paid in full and they would contact credit reporting agencies to remove the charge off status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SoLo Funds Inc.
State: TX

Complaint narrative:
I started using SOLO Funds last year it went well, till one of my loans defaulted. Im now 230 days overdue and I havent heard anything back to when Id receive my lost funds back. I understand theyre under investigation now and are now really just avoiding the complaints through the app. This is ridiculous though my hard earned money that was sent out to collections on day 90 itll be a year pretty soon and nothing. I just hope when that when the lawsuit goes through I get my rightful compensation from this company, maybe bit more for the amount of stress it ensued on my mental health. Thats money I couldve had back to help me bills and other things.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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: NC

Complaint narrative:
PLease delete and remove information I did not authorize any of these inquiries. someone is using my name improperly and opening up accounts. 
Inquires : 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 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 2024-06-02 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: MD

Complaint narrative:
I am a victim of fraud someone is using my SSN to obtain things in my name Equifax, XXXX XXXXXXXX and XXXX has been notified of this and nothing is being done about it. 
I need this to be resolved pronto.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
XXXX I took out a title loan on my XXXX XXXX. The representative of this company stated to me over and over I would pay x amount for x months. I asked him over and over to be sure. During the payments I noticed the pay off amount wasn't going down. I called and asked why they stated because of the high interest. Which made the conversation between me and the sales rep a lie. The interest should have been included in the x amount above to pay off the loan in the x amount of months. They repoed my car in XXXX during the covid pandemic when times were really hard. 
I " m not sure how many payments were made but according XXXX  it was about XXXX payments ( I could be off ) at XXXX, this is for a loan less than XXXX, about XXXX. I contacted the company about a set price they refuse to stop the interest, I told them I can not pay this loan for ever. 
They are now sueing me for XXXX and trying to garnish my pay check. This company new I wasn't rich because I constantly asked did I only have to pay the x amount over and over. 
This company wilshire consumer is still at it. I've read reviews that states they're still charging hi interest on loans. I am not a rich man I can not afford to pay XXXX XXXX dollars for a XXXX dollar loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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: GA

Complaint narrative:
TransUnion and XXXX are both reporting wrong information on my report stating that XXXX auto loan was charged off when it was paid in full. I have letter from XXXX saying it was paid in full and they would contact credit reporting agencies to remove the charge off status.

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 2024-06-02 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: GA

Complaint narrative:
XXXX and equifax are both reporting wrong information on my report stating that XXXX auto loan was charged off when it was paid in full. I have letter from XXXX saying it was paid in full and they would contact credit reporting agencies to remove the charge off status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-02 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: CA

Complaint narrative:
Mohela emailed me letting me know I have 9 days to pay my student loan. Never received an email telling me they finished transferring their accounts to the new system. 

They are charging me more than what was due. They also lost all account history/payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: FL

Complaint narrative:
I've noticed unfamiliar items on my credit report, suggesting potential identity theft as I haven't authorized these accounts. I've raised this concern previously and now urgently request the removal of these accounts from my report. Their presence is causing significant stress as they inaccurately reflect my credit history and financial management. Addressing this issue has been challenging. If resolution isn't reached promptly, I'm prepared to seek legal recourse to safeguard my rights and seek a resolution. These erroneous entries pose a substantial obstacle, impeding my ability to achieve critical financial milestones such as purchasing a home and providing for my family. I'm hopeful for a swift resolution 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 2024-06-02 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
On XX/XX/year> I applied for XXXX credit cards through Credit karma. I was denied because my credit was frozen. I unfroze it and ran it again. They informed me that since I was declined I could not get it. However, I was told it would not effect my credit to apply. Instead of a soft pull they did a hard pull which did effect my credit. XXXX points are added for every hard pull. 
The cards were : Milestone, Destiny, and Indigo. 
I have sent numerous emails requesting them to remove this from my credit account and have not received a reply from them. 
I feel that if I was declined the first time because my credit was froze and declined the second time due to the first decline, then why would they pull my credit? It doesn't make sense why it's on my credit report. 
I disputed it with XXXX and was told that the companies have to remove it. How can anyone contact them when there is no contact information? 
I hope you can help me with this issue. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
They ignore lawsuit and XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
They ignore lawsuit and XXXX and 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 2024-06-02 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:
XXXX received payment ( See below ) " within the grace period of 2 days from the due date XX/XX/XXXX '' yet fraudulently reporting increased account balance to credit reporting companies. This is NOT THE FIRST TIME. XXXX and all credit reporting companies were sued in XXXX XXXX in XX/XX/XXXX and it does not even stop XXXX and all credit reporting companies putting inaccurate account balance in the credit reports and financially damaging me with lower XXXX XXXX. 

" From : XXXX Countys XXXX XXXX Date : On Thursday, XX/XX/XXXX at XXXX PM Subject : Your bill payment was delivered To : XXXX Dear XXXX XXXX, The following bill payment has been delivered : Payment Details Payee Name : XXXXt Student Loan Borrower Payee Acct # : XXXX Acct # : XXXX Amount : {$830.00} Send Date : XX/XX/XXXX Confirmation # : XXXX Sincerely, 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 2024-06-02 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:
XXXX received payment ( See below ) " within the grace period of 2 days from the due date XX/XX/XXXX '' yet fraudulently reporting increased account balance to credit reporting companies. This is NOT THE FIRST TIME. XXXX and all credit reporting companies were sued in XXXX XXXX in XX/XX/XXXX and it does not even stop XXXX and all credit reporting companies putting inaccurate account balance in the credit reports and financially damaging me with lower credit score. 

" From : XXXX Countys XXXX XXXX Date : On Thursday, XX/XX/XXXX at XXXX PM Subject : Your bill payment was delivered To : XXXX Dear XXXX XXXX, The following bill payment has been delivered : Payment Details Payee Name : XXXX Student Loan Borrower Payee Acct # : XXXX Acct # : XXXX Amount : {$830.00} Send Date : XX/XX/XXXX Confirmation # : XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-02 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: CA

Complaint narrative:
XXXX received payment ( See below ) " within the grace period of 2 days from the due date XX/XX/XXXX '' yet fraudulently reporting increased account balance to credit reporting companies. This is NOT THE FIRST TIME. XXXX and all credit reporting companies were sued in XXXX XXXX in XX/XX/XXXX and it does not even stop XXXX and all credit reporting companies putting inaccurate account balance in the credit reports and financially damaging me with lower XXXX XXXX. 

" From : XXXX Countys XXXX XXXX Date : On Thursday, XX/XX/XXXX at XXXX PM Subject : Your bill payment was delivered To : XXXX Dear XXXX XXXX, The following bill payment has been delivered : Payment Details Payee Name : XXXX Student Loan Borrower Payee Acct # : XXXX Acct # : XXXX Amount : {$830.00} Send Date : XX/XX/XXXX Confirmation # : XXXX Sincerely, 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 2024-06-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: MO

Complaint narrative:
I sent a letter to SPRING OAKS CAPITAL LLC XXXX XXXX XXXX XXXX, VA XXXX on XX/XX/year> and they had 30 days by law pursuant to 15 USC 1692g and as of XX/XX/year> they have failed to respond. I requested the following information below in my letter. I also advised them in my letter that, this notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. In addition, this Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. Moreover, this is a request for information only, and is not a statement, election, or waiver of status. I am demanding due to no response in a timley matter by law that this item be deleted from my XXXX report immediately were it is reporting. 

XXXX ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2 ) What is your authorization of law for your collection of information?

3 ) What is your authorization of law for your collection of this alleged debt?

4 ) Please evidence your authorization to do business in my state.

5 ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 

6 ) Please show proof to establish balances, payments, interest rate disclosures, etc. as alleged in your demand letter.

7 ) Please show proof an attorney from your company has reviewed the alleged debt in question that it belongs to me and the amount in question is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-02 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: NC

Complaint narrative:
PLease delete and remove information I did not authorize any of these inquiries. someone is using my name improperly and opening up accounts. 
Inquires : XXXX XXXX XXXX inquiry XXXX XXXXXXXX XXXX XXXX XXXX XXXX inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-06-02 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: EQUIFAX, INC.
State: NC

Complaint narrative:
PLease delete and remove information I did not authorize any of these inquiries. someone is using my name improperly and opening up accounts. 
Inquires : XXXX XXXXXXXX XXXX inquiry XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX inquiry 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 2024-06-02 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX. I just received my credit report and noticed that you are reporting this account incorrectly. This Late payment history is reporting the following months inaccurate, For 2024 with Experian it shows XXXX, XXXX, XXXX, XXXX, XXXX and XXXX not paid at all But for XXXX it shows everything is paid up untill the month of XXXX and for XXXX it shows a closed account with no credit history. This is inaccurate credit report, According to the FCRA, I have the right to an accurate credit report, Please remove this Account immediately from my credit report. Please provide me copy of my new credit report reflecting this account removed upon completion thank you

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 2024-06-02 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: MO

Complaint narrative:
I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence XXXX. XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX XXXX # XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b XXXX. XXXX Inquired on XX/XX/XXXX : This Inquiry has no permissible to be on my report. Delete this inquiry due to Violation of 15 USC 168b

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