vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-09 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: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
Citizen 's Pay confirmed that funds were returned to them from two different lenders ( XXXX XXXX and XXXX XXXX ) due to a loan that a dental office ( XXXX XXXX XXXX XXXX ) took out fraudulently in my name. I filed a police report regarding this matter and received a voicemail from a supervisor at Citizen 's Pay named XXXX on XX/XX/year> at XXXX. This Supervisor requested that I call him back at XXXX. I called that same day and spoke with another representative who confirmed that there was a balance on my account of funds that were due to be returned to me. Citizen 's Pay owes me {$1200.00} and has not returned this amount. The representative who confirmed this requested that I email XXXX with the police report and informed me that I would hear back from a supervisor that same day. I emailed them on XX/XX/XXXX at XXXX with the police report regarding the fraudulent loan. I never received a response to this email and I never received a call back. I called Citizen 's Pay on XX/XX/year> at XXXX and again at XXXX. Their representatives claim that someone called me back on that day but I never received a phone call. I called again today and tried to reach a Citizen 's Pay supervisor but was transferred to 6 different phone numbers and told to wait on hold. I was then told a supervisor would get back to me either today or within 1-2 business days. After being on hold, one of the representatives hung up on me to avoid connecting me with a supervisor. It is clear that this company is trying to avoid returning the funds in the amount of {$1200.00} which it owes me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: IN

Complaint narrative:
Greetings Radius Global Solutions, I'm writing you today because I have received several text messages from your company and I couldnt identify any record of a business relationship we may have entered into. Then I noticed that you have furnished adverse information on my consumer report for the sum of {$180.00}. The only problem is I do not have any record of recieving my right to dispute the debt prior to it being placed on my report. 
Please provide me with a copy of the certified mail receipt with my signature so i may review my records in accordance with the date of delivery and we may proceed accordingly. If you can not provide proof of receipt of initial communication notice, promptly inform the credit reporting agency 's to remove/delete this account from my credit report and if applicable by law, send an initial communication letter so that we may restart the process lawfully and with clean hands. 
Thank you very much

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 2024-09-09 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: NJ

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-09-09 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: FL

Complaint narrative:
The following accounts are still showing on my credit, I have filed an FTC report and so far the bureaus have not deleted this erroneous information, the accounts are as follows : 1 ) XXXX- XXXX {$0.00} XX/XX/XXXX XXXX ) XXXX- XXXX {$0.00} XX/XX/XXXX XXXX ) XXXX XXXX  XXXX XXXX {$0.00} XX/XX/XXXX I am sending a copy of an FTC report which I already sent to the bureaus to no avail and a copy of my license and social.

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 2024-09-09 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: FL

Complaint narrative:
The following accounts are still showing on my credit, I have filed an FTC report and so far the bureaus have not deleted this erroneous information, the accounts are as follows : 1 ) XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX ) XXXX  XXXX {$0.00} XX/XX/XXXX XXXX ) XXXX XXXX  XXXX XXXX {$0.00} XX/XX/XXXX I am sending a copy of an FTC report which I already sent to the bureaus to no avail and a copy of my license and social.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 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:
The following accounts are still showing on my credit, I have filed an FTC report and so far the bureaus have not deleted this erroneous information, the accounts are as follows : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am sending a copy of an FTC report which I already sent to the bureaus to no avail and a copy of my license and social.

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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have requested proof that I were late on the accounts reported.

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 2024-09-09 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lipsey, Morrison, Waller & Lipsey, P.C.
State: SC

Complaint narrative:
When I found out about this debt, I worked out an agreement with the collector to pay back the amount owed. I asked the company to allow me the Servicemember 's Civil Relief Act to reduce the interest rate. The company denied my request even though I submitted my active-duty orders via the email address I was given, 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 monetary relief
Consumer complaint received 2024-09-09 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: OH

Complaint narrative:
The late payments shown don't reflect my usual payment pattern.

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 2024-09-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Stark Collection Agency, Inc.
State: GA

Complaint narrative:
A victim of identity theft also a common name which sometimes result in a mix of files

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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:
Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint against XXXX regarding numerous violations associated with my consumer auto loan. My experiences with XXXX have been marked by deceptive practices and factual inaccuracies that have significantly impacted my financial standing and overall confidence in their services. 

Background of the Complaint I had an auto loan with XXXX that was charged off several years ago. Since that time, I have received multiple refund checks from XXXX for payments made on my account. However, these checks were issued long after the loan was charged off, raising concerns about the handling and crediting of my payments during the life of the loan. 
Deceptive Practices and Unfactual Responses Lack of Access to Information : XXXX claims to have sent me documents regarding changes to my consumer loan ; however, they deceptively removed my online access. Despite my repeated requests, they failed to physically send me any documents, statements, or loan documents of any kind until after the loan was charged off. They only provided documents via XXXX, which I was barred from accessing. 

Contradictory Business Practices : XXXX has claimed that they refuse to conduct further business with me, yet I continue to receive requests to apply for new credit cards. This inconsistency raises serious doubts about their stated intentions and business practices. 

Refunds for Misapplied Payments : XXXX has sent me refunds related to my auto loan and credit cards, which they mishandled. They failed to properly apply payments, mishandled disputes, and did not honor the final results of their fraud investigations. The numerous refund checks I received years after closing my accounts indicate that XXXX was at fault, despite their accusations against me of improper actions. 

Request for Investigation Given the circumstances described above, I am requesting that the Consumer Financial Protection Bureau investigate XXXX 's practices in managing my auto loan account. I believe that their actions may violate consumer protection laws and regulations designed to ensure fair and transparent lending practices. 

Conclusion I appreciate your attention to this matter and hope that your investigation will help ensure that XXXX adheres to the legal and ethical standards expected of financial institutions. If you require any additional information or documentation to support my complaint, please do not hesitate to contact me. 

Thank you for your assistance in addressing this important issue.

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 2024-09-09 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: MN

Complaint narrative:
I filed three complaints that are ongoing against improper practices of Transunion with my credit score. They dropped my score XXXX plus points a few days ago and dropped it another XXXX points today? This appears to be a retaliation to my previous XXXX points that the company has yet to respond to? Who can help with them continuing to drop my score as a retaliation for complaining to 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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I asked for legitimate documents to prove the appearance of these items in the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I have called the credit company a few times before my promotion was going to end to see if they could extend it for 6 more months & they kept saying no. Also after the promotion ended I ended up paying almost {$100.00} for interest & I only owe {$4000.00} but making the minimum payment Im still at the {$4000.00} its not going down any & I cant make more of a payment because Im struggling to make payments. So they gave me the XXXX ( XXXX ) XXXX number to call they said they work with them but after answering all the questions & giving them all of my information they send me the email to sign the documents & its basically like a debt relief program & I didnt complete it because thats not what I asked for. Now Im getting spammed calls 24/7 since that day. Im getting harassed & cant get them to stop even after I block the numbers more keep calling me.

I would like the credit company to do something about that. Instead of them figuring out a way to help me they gave me bad information to get involved with this spam calling & I cant change my number because I use this for work.

I would like to request them to reduce half of my balance that I owe or to cover all of the expenses that I have left to pay due to all of this. & to honor NO interest fee for at least 1yr.

Instead of them helping me Im now even more stressed about paying bills & getting harassed every day by endless spam calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
U.S. Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Equifax credit report on XXXX XXXX XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I asked for legitimate documents to prove the appearance of these items in the credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 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: IN

Complaint narrative:
I respectfully urge you to promptly take decisive action to remove the fraudulent accounts 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 non-monetary relief
Consumer complaint received 2024-09-09 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: IN

Complaint narrative:
I respectfully urge you to promptly take decisive action to remove the fraudulent accounts 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 2024-09-09 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: IN

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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 2024-09-09 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: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: FL

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: IL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX is reported as a hard inquiries on my credit report. I didn't authorized this matter. I want it deleted 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