vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-09 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: CA

Complaint narrative:
Back in 2022 I and my son traded in our XXXX XXXX XXXX to XXXX XXXX on XX/XX/XXXX. The dealer was supposed to pay the vehicle off to XXXX XXXX. 

In XXXX, I get a call from XXXX XXXX that I am 30 days late because no payment was made. I call XXXX to figure out what's going on, and they admitted they never paid off the vehicle like they are supposed to. According to CA Veh Code 11709.4 ( 2022 ), a dealer only has 21 days to pay off a trade in. If I turned in my vehicle on XX/XX/XXXX of 2022, there was no possible way for me to be 30 days late in XXXX of 2022 as the vehicle should have been paid off in XXXX. 

I then spoke with XXXX XXXX and told them I traded in my vehicle on XX/XX/XXXX of 2022 and I even sent them a copy of the paperwork proving so. I asked them to speak with XXXX as well since they were the ones who were supposed to pay this. 
I don't remember exactly what happened or how it happened, but eventually the loan did get paid. It was too late for me and my credit, however. 

I spoke with XXXX to see if they could remove the 30 day late payment since this wasn't my fault. They didn't help me or fix anything. They just kept giving me excuses. I have spent over a year trying to fight with them and XXXX to help me fix this, but no one helps me. I just think its sad that I have to suffer the consequences for something I had no control over or was my fault. When you trade in a vehicle at a dealership, you do so in good faith and under the expectation that they would pay the vehicle off in a timely fashion. I have no way of knowing that they would violate California law and not pay off my loan until after I have been damaged and they have to be called out on their tardiness. 

Please help me as I do not think its right I should have to suffer a blemish on my report for 7 years when it was not my fault.

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 2024-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I acquired the XXXX XXXX. I used it to pay rent and the charge was declined. I reached out to XXXX and they explained the steps that had to be taken for a rent payment to be made and explained in writing that they would refund any fees that I was charged by the miscommunication of using their credit card. 

When I was eventually charged a fee of {$35.00} for the charge of rent that didn't go through, XXXX XXXX refused to refund the fee.

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 2024-02-09 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: NY

Complaint narrative:
I just obtained a copy of my credit reports and it shows unauthorized and fraudulent inquiries. Please see the attached copy of my dispute letters that were recently sent to the bureaus

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 2024-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
Company has not verified I am the owner of debt, company has not verified I signed for debt. Company has yet to verify itemized amount of debts. Company never sent any information about debt. Debt was removed off other credit companies stayed on XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
The County Recorder of Deeds and the Bankruptcy courts have mailed me letters that stated they do NOT provide any information to the credit reporting agencies nor do they ever validate or confirm public 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 2024-02-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
In accordance with the Fair credit reporting act, this creditor has violated my rights : Under 15 USC 1681 Section 602 states : I have the right to privacy.

Under 15 USC 1681 Section 604A section 2 also states : a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B : 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 2024-02-09 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: ALLY FINANCIAL INC.
State: DC

Complaint narrative:
In accordance with the Fair credit reporting act, this creditor has violated my rights : Under 15 USC 1681 Section 602 states : I have the right to privacy.

Under 15 USC 1681 Section 604A section 2 also states : a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B : 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 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 2024-02-09 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: TX

Complaint narrative:
On XX/XX/XXXX I received an alert on my credit monitoring services. It states that my credit had been pulled for an auto loan. I had not authorized any XXXX or did a credit inquiry to purchase no vehicle. I called and was told to call my credit bureaus. As I called transunion they refused to remove inaccurate and erroneous information. I stated to Trans union that I have been dealing with a stolen identity since XXXX and that I have been a victim of identity theft. I advised I could provide a copy of my police report from XXXX and they refused to remove this fraud activity done on my credit report. 

The fraudulent inquiry is below 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 2024-02-09 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: CA

Complaint narrative:
I have been faithfully paying my loans since I started graduate school. I have been waiting for my loan servicer which is MOHELA to update my student loan information. I have been waiting for XXXX months. MOHELA has begun to charge interest on my account. However, I still do not have any information about my XXXX time IDR adjustment. I am currently on the SAVE plan. My principal balance was {$54000.00}. I have paid off {$30000.00}. According to https : //studentaid.gov/announcements-events/save-plan # benefits for loan amounts over {$26000.00}, each additional {$1000.00} is equal to an extra year of payments. I have paid off {$30000.00}. If I am not mistaken, this would qualify me for forgiveness for my graduate loans. I am just wanting to know if I do or do not qualify for forgiveness. I am looking for an IDR account adjustment. I am asking for help so I can be XXXX less customer for MOHELA to be forced to work with. I realize they are very understaffed, not properly funded and are overworked. I am looking for a simple answer of whether or not I am eligible for forgiveness. In this way, I can help reduce their workload. Thanks very much for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I filed a police report because someone is using my credit card. From XXXX to XXXX, my credit card was being used without my authorization. I still have my credit card in my possession but this person was able to activate a card I had never received from citi bank and use that to make over XXXX K in purchases. I have filed a police report and Citi bank continues to close my dispute. They confirmed the first of these disputes, a XXXX charge for XXXX $ but denied all of the others. I explained to them that there is a pattern of behavior following that first initial charge.

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 2024-02-09 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: IL

Complaint narrative:
According to XXXX, this account should be removed promptly. I'm angry about it being on my credit record, and it's not even my account. Its presence has upset me, and I feel unwell because of this situation. Please remove it as soon as possible.

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 2024-02-09 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: CO

Complaint narrative:
My credit card payment status, balance, and delinquency status have been shared with 3rd parties without my consent. 

There was an authorized user, who was removedXX/XX/2023, and balances and account status and payment status continue to be reported. This gives the prior authorized user access to my confidential financial information. This is a violation of my privacy right, and the credit reporting rights of the prior authorized user. 

XXXX has completely failed in their promise of privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 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: TX

Complaint narrative:
In accordance with 15 USC 1681a2 I didnt give written permission to have these accounts furnished on my TRANSUNION & XXXX CONSUMER REPORTS

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 2024-02-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: AmeriCash Holding LLC
State: NC

Complaint narrative:
Being that I borrowed {$600.00} I read over the disclosures and after I received the money, I started reading complaints and reviews from customers who discloses a nightmare when dealing with Americash. However, I came into a hardship and i couldn't make payment in XXXX and I asked for the payment to be taken out the next month which would have been in XXXX. I received a letter XX/XX/XXXX dated " Notice Of right to Cure '' with Wednesday XX/XX/XXXX being the last day for payment. with they stated {$280.00} Amount past due. Then on XXXX I received a letter XX/XX/XXXX " XXXX " PROMISE RECAP '' which was then a past due amount of {$150.00} and now a new balance of {$750.00} with amounts now XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX being the last payment on PAPER. I received a text on Friday XXXX, XXXX. So I called back and here is what the Rep said. Being you skipped one payment you now owe {$1000.00} because we charged you double interest daily. Oh but you good. Then the next day I had received an email. I said why did i receive a call because i been back on track saying i owe an additional {$1000.00} when i only borrowed {$600.00}. The rep says oh disregard the call. I call another number the District I asked for a date that the loan will be paid off because from what i say it's now in XX/XX/XXXX. They hung up and now I can't get into my account which I now see the fraudulent services they provide to customers. A RIP OFF company and charging their own fees, and they dare you to file bankruptcy on them which is in their clause.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CashRepublic Holdings, Inc.
State: TX

Complaint narrative:
Im a consumer who has been directly impacted by actions identified in CFPB consent order of 2020 against Omni Financial. 

Ive long disputed this debt and as its clear that Omni violated the MLA and EFTA, continued reporting against me is a violation of FCRA. 

Ive suffered numerous financial hardships by way of increased interest rates and credit denial because of these unjust reports. Omni has continued to report the same debt as 2 different derogatory trade lines with XXXX. 

I received no compensation after the finalization of CFpB consent order.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: VA

Complaint narrative:
A company called XXXX XXXX reported a delinquent account to my credit report. I have never done business with them. Per my XXXX search it shows its some type of tradeline and I believe my information was fraudulently used. So I disputed it with XXXX, Equifax and XXXX. Equifax stated the company verified the account belongs to me. I have never applied for service or received any type of goods or services from this company. I have never provided them any of my person information. I have had a fraud alert on my credit for a while and this company never reached out to me to verify any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: VA

Complaint narrative:
A company called XXXX XXXX reported a delinquent account to my credit report. I have never done business with them. Per my XXXX search it shows its some type of tradeline and I believe my information was fraudulently used. So I disputed it with Experian, XXXX and XXXX. XXXX stated the company verified the account belongs to me. I have never applied for service or received any type of goods or services from this company. I have never provided them any of my person information. I have had a fraud alert on my credit for a while and this company never reached out to me to verify any information.

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 2024-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL

Complaint narrative:
I have an app and an account with MoneyGram. I routinely try to send money to people in another country. Recently including today and yesterday and every day for the last XXXX weeks I try to access the app and my account online through a web browser. Apparently the app malfunctions and closes upon opening and when I use the web browser it doesn't recognize my login credentials and it won't reset the password. I've contacted customer support about this issue and they seem to be aware of the issue but they do nothing about it and they claim that they have no date when they can tell me that anything will be done to remediate the problem. There are multiple complaints about the same issue on the internet and on the XXXX XXXX store when you look up the app. It seems to me that the website has been compromised by hackers and that they're not reporting it to the authorities appropriately. I get messages from my antivirus software every time I navigate to the website that tells me that the website is hosting malicious software and has otherwise been compromised but the company is willfully concealing this information and continuing to advertise its services as safe and reliable and with my experience that's completely false. Their advertising and their public promotions are completely false and misleading due to the fact that they apparently have non-functional apps and non-functional websites furthermore I believe that's because they've been hacked and that they don't want to reveal that information to the public or to the appropriate agencies. Their services extremely unreliable and the company is dishonest and it's dealings with the public. At the present time the company is incapable of providing the services in the manner advertised to the public. They're advertising services to the public that they are incapable of providing and their app is not functional and their website seems to be compromised and they don't want to take any action to remediate the situation or warn the public of the dangers of conducting business with them through their website and the fact that they are not reliable and they are not secure contrary to their representations in their advertising and marketing materials to the public. They're not easy to deal with it's extremely hard to find a route to customer support where there's any meaningful support other than a canned reply that doesn't apply to the problems that are being complained about.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: IL

Complaint narrative:
XXXX begging you please remove this to the credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have several accounts on my credit report specifically with Experian that are being reported without my permission. I have made multiple requests, and Experian has not deleted/removed these accounts. The details are as follows : Under 15 U.S. Code 1681e ( b ) 15 U.S. Code 1681i ( 5 ) 15 U.S.C. 1681b 15 U.S.C. 1681i ( 7 ) these accounts are in violation of not reporting 100 % accurate : STATE OF MI OFFICE CHI Date Opened : XX/XX/XXXX Balance : {$1000.00} STATE OF MI OFFICE CHI Date Opened : XX/XX/XXXX Balance : {$9200.00}. For the past seven months, I have asked for proof of verification along with the original contract with my signature that proves the child is mine and validates these accounts, as required by law. Neither Experian nor the creditors have provided these documents, surpassing the 30-day legal requirement for such validation. This constitutes a violation of my consumer rights. I request Experian to either present the original contracts validating these accounts or initiate a reinvestigation, compelling the creditors to provide the required documentation. This is a legal mandate, and the accounts should have been deleted/removed by now. Given the extended time frame, no dispute or investigation is deemed complete unless the original contract with my signed signature is presented by either the creditor or the credit bureau. I demand that these accounts be removed/deleted or verified immediately to rectify this clear violation of my rights.

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 2024-02-09 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: IL

Complaint narrative:
According to 605B, this account should be removed promptly. I'm angry about it being on my credit record, and it's not even my account. Its presence has upset me, and I feel unwell because of this situation. Please remove it as soon as possible.

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 2024-02-09 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: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
In accordance with the Fair credit reporting act, this creditor has violated my rights : Under 15 USC 1681 Section 602 states : I have the right to privacy.

Under 15 USC 1681 Section 604A section 2 also states : a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B : 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