vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: AUTOMOTIVE CREDIT CORPORATION
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Cell phone : XXXX XXXX XXXX I want you to investigate something that is not right on my credit report, the information I see is not correct. The law says that you must investigate it and give me an answer that is accurate. 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 2024-03-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
Navient continues to attempt to collect a debt that was part of a court order to discharge due to bankruptcy. Navient is aware of their documents stating the court order and loans removed from my account. Navient mailed these documents to a former address that I have not used in over 10 years, even though Navient has my current address on file. I have made multiple attempts via email to provide back these documents to Navient and requested that they remove these loans from my account without success. Navient records calls and I am not comfortable with this type of communication. As such I have requested Navient to email for communication. They refuse to acknowledge my emails and request to comply with the court order.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 2024-03-19 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: EQUIFAX, INC.
State: NC

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 2024-03-19 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:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Mercari, Inc.
State: NY

Complaint narrative:
I read this on the company 's website, but the relevant information is missing : " XXXX is also a licensed money services business in the U.S. jurisdictions listed on our Licenses/Disclosures page. Residents of certain states may have rights regarding concerns or complaints with our services ; see the Licenses/Disclosures page for more information. '' 1 ) The company sent me an email that they were having order processing problems, and I could cancel the order and my XXXX  would be refunded {$XXXX}. ( see attached PDF ) 2 ) I cancelled my order, expecting a refund.

3 ) It appeared that my order was not cancelled, so I emailed directly to XXXX to clarify my cancellation for a refund because of the problems with this order. 
4 ) It appeared that the communication system XXXX uses does not have a human being representative, or there is no direct human being at XXXX to speak with when there is a problem. I asked repeatedly to speak with someone at XXXX to fix this, because the email responses I was receiving did not address directly my cancellation and refund, though the email response did acknowledge the company had " system error. '' 5 ) Subsequently after contacting XXXX repeatedly to fix this cancellation for the refund, my account mysteriously had error messages : " something went wrong. '' ( See attached PDF. ) I could not again log into my account, after I raised these complaints with the company. 
6 ) The next day, the company wrote to me that I was beyond a XXXX hour time limit to submit a complaint about the order. This was very confusing. I again asked to speak with a human being at XXXX, and asked for the appropriate contact to understand how my money was transferred through the company. The company refused to provide a direct human being contact. 
7 ) I next looked at the company 's help page in detail. ( Attached PDF. ) I located this section of interest : " '' XXXX is also a licensed money services business in the U.S. jurisdictions listed on our Licenses/Disclosures page. Residents of certain states may have rights regarding concerns or complaints with our services ; see the Licenses/Disclosures page for more information. '' When I clicked on this section, this webpage gave an error message. ( See attached PDF. ) 8 ) I asked the company to provide these Licenses/Disclosures directly to me via email, as the webpage is broken. I have not received a response.

9 ) The phone line says that " support is currently not available in your area. '' XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: PA

Complaint narrative:
Numerous dispute filings with Equifax to remove paid debt from newrly 7 years ago ( XXXX XXXX  ) the creditor has no ability to locate this record amd has indicated that they would remove the reporting if the Bureau asked through a dispute. Equifax does not investigate properly at all, and still maintains the record. XXXX and XXXX removed the file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I have the right to privacy as well as they have the responsibility of reporting with fairness.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] section 604 A section 2 : Also states a consumer reporting agency can not furnish a account with out my written instruction 15 U.S. Code 1666b - Timing of payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: OneMain Finance Corporation
State: SC

Complaint narrative:
In accordance with the Fair Credit act has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: TX

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion 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 2024-03-19 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: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/XXXX I spoke with a representative from the HSA bank asking for a new HSA debt card. I was told my ex-husband was an authorized user on my account. I told the rep this is not possible because I removed him two years ago when he hacked into my account, without me being notified by the HSA bank and took money from my account without my authorization. HSA bank claimed this was resolved. In XX/XX/year>, my ex-husband was able to gain access to my HSA bank again, even though security measures were taken place or so I thought. I again was NOT notified. My ex-husband then hacked back into my account on XX/XX/year> and transferred money electronically to a an external back. The bank that was used, was not found after I filed a police report. When the HSA bank contacted the bank that my ex-husband used, they claimed there was no money in the account and I would not be reimbursed. My account was not flagged when transactions were made at XXXX XXXX XXXX XXXX  or minutes apart for amounts of XXXX or XXXX dollars and NOT for medical use. My ex-husband was able to send himself a debit card with a new address again not authorized by me. HSA bank refuses to help me. I have an autistic son and I am not able to pay my medical bills. I have been waiting on a new HSA bank account number and due to the amount of time I have had to wait, my bills are going to collections. I have filled a police report on this and there is a warrant out for my exhusband 's arrest and HSA bank still refuses to help me. My exhusband tried to link a bank account again in XX/XX/year>. He was able to make 22 transactions. I was never notified by HSA bank. HSA bank also claims that all inquiries need to be made within 60 days, but again I was never notified. HSA is not a secure bank and hackers are able to easily access. My exhusband is a drug addict and was able to get into my account. This is unacceptable. I am not able to pay my medical bills and the HSA bank does not care, nor will they help .I want to file a formal complaint against the HSA bank and I would like action to be taken against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: TN

Complaint narrative:
I thoroughly reviewed my credit reports. I spotted inaccurate information that needs reporting and correction through your company. This is clearly violating the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality. I'm a victim of Identity theft and this information is not mine.

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I received a cat loan from credit acceptance in XX/XX/XXXX on a XXXX XXXX XXXXXXXX my loan amount XXXX in XXXX they came and repossessed my car they never sent any letters or anything

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 2024-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I attempted on XXXX to purchase a XXXX bus ticket costing {$350.00} through their website and the transaction was declined, no information was provided about the decline other than to contact the bank about the issue. I needed a bus ticket immediately and noticed XXXX had another method of payment which was their XXXX feature. This feature allowed for me to go pay cash at participating retailers. I then went to XXXX and paid cash in the amount of {$350.00} to receive my ticket. I do have the receipt for this transaction. Prior to heading to XXXX I immediately did make contact with Cash App support via chat because I noticed the amount was infact deducted from my account even though the XXXX transaction never went through. I do also have records of the chat with Cash App. The charge was just pending so I believed it would be refunded. I left on the bus and traveled for over a day to my destination. Once I arrived I became aware that the charge was no longer pending but was complete. I first made contact with XXXX and was told they had no record of the card being charged and any pending charge would be reversed and that there was no evidence of a double booking. I also went onto my Cash App and disputed the transaction through their process and provided the receipt where I had to use an alternate payment. The next day I received an email from Cash App that my claim was denied. I have attempted on multiple occasions to contact both XXXX and Cash App pertaining to this charge and I am receiving no assistance for this {$350.00} charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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:
I am writing to seek your assistance regarding unresolved errors on my credit report that have negatively impacted my financial standing. Despite my repeated attempts to rectify these issues with the credit bureau, the errors remain on my credit report and they are greatly damaging my credit score. 

The payment history of XXXX XXXX XXXX XXXX XXXX XXXXXXXX erroneously shows a 60-day and a 90-day late payment from XXXX to XXXX on XXXX. I have always make payments on time. This is an apparent reporting error not only because I made payments on time but the data show does not make sense. There's no 30 days late payment on XXXX of XXXX, how can it be 60 days late on XXXX of XXXX? 

I have sent numerous letters to the credit bureau to correct these mistakes, requesting for investigation into this matter and have them removed from my credit history. Unfortunately, I have not received any communication from the bureau regarding the status of their investigation or any steps taken to rectify these inaccuracies. 

This lack of response and action from the credit bureau has left me feeling that my consumer rights are being neglected. Under the law, I am entitled to an accurate representation of my credit history. Therefore, I am reaching out to the CFPB to intervene and ensure a thorough investigation is conducted into these errors. I am seeking your help to have these inaccuracies removed from my credit report promptly. 

I appreciate your attention to this matter and look forward to your support in resolving this issue. Please find attached all the documents for reference. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

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 2024-03-19 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX ; Account : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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