vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-27 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: WHEELS FINANCIAL GROUP, LLC.
State: MI

Complaint narrative:
In XXXX of this year I took out a title loan for the amount of {$5100.00}. Loan Mart XXXX XXXX XXXX bank had me sign my title over and send it to them by ups. They said that the interest was 25 %. After paying for the last XXXX months I found out tile loans are not Legal here and they advertise that they are allowed. I was under the assumption that this XXXX  year loan would be like another title loan I had in another state many years ago. If I paid the monthly payment at the end of the XXXX  years I would get my title back. While looking at my account the interest rate for the first payment was 119 % and it drops a little bit each month and the last payment interest rate would be 84.99 %. In XXXX months I have paid {$3000.00} and my balance now is {$5000.00}. After adding up all the payments I will have paid {$16000.00} in interest plus what ever the balance of the loan is. This predatory company had prayed on me and I can't afford to pay {$16000.00} just to interest on a {$5100.00} loan. They never disclosed to me that I would be only paying interest for 3 years and only a small amount of the payment would come off. Title loans are illegal in Michigan and this company is preying on people like me in Michigan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: IL

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My credit score recently dropped by XXXX points, as shown in the attached document. I have XXXX XXXX credit cards, each with a {$1000.00} limit. Last month, my balances exceeded the limits, causing a negative impact on my credit score due to high usage. Ive since made payments to bring both cards back within their limits. However, despite making regular payments, I was hit with a XXXX score decrease, which feels unfair, especially as this impacts my ability to secure financing for a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: MI

Complaint narrative:
15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies Text contains those laws in effect on XX/XX/year> From Title 15-COMMERCE AND TRADE CHAPTER 41-CONSUMER CREDIT PROTECTION SUBCHAPTER III-CREDIT REPORTING AGENCIES Effective Date 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: MI

Complaint narrative:
15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies Text contains those laws in effect on January 23, 2000 From Title 15-COMMERCE AND TRADE CHAPTER 41-CONSUMER CREDIT PROTECTION SUBCHAPTER III-CREDIT REPORTING AGENCIES Effective Date 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors

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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against [ TRANSUNION ] regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 
Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I submitted a dispute to [ TRANSUNION ] disputing a late payment reported by [ XXXX  XXXX ]. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, 1; explaining that the reported late payment was inaccurate for the following reasons : [ Briefly summarize the reason you believe the late payment is incorrect. For instance, you may have made your payment on time or there may have been a clerical error. ] XXXX ; [ Mention any relevant evidence you provided, such as bank statements or payment confirmations. ] Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, [ TRANSUNION ] has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 
Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 
Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 
Sincerely, Regards/Sincerely, Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: CA

Complaint narrative:
I am reporting the account " XXXX '' account number : XXXX I would like to make it clear this IS MY ACCOUNT. HOWEVER, XXXX has XXXX used my credit report with inaccurate dates. Since the beginning of this year XXXX has only reported ONCE. Out of TEN MONTHS, XXXX has reported Charge-Off on XX/XX/year>. THATS IT. I called the number on my credit report " ( XXXX ) XXXX '' and they refused to help me, saying " call XXXX XXXX XXXX '' Which I called, and they too have NO ANSWER for my credit reporting problems. They want me to pay off my debt, but they can't even report it accurately every single month. I asked them to transfer me to a XXXX so I can ask them why hasn't my account been updated in 5 months? Only to be told " the managers are all busy '' I call back, and they tell me the same thing over again. None of the reps we're from the US, and they refused to help me with my credit report being inaccurate for 5 months, they just tell me " Want to make a payment? Our managers are busy. '' I need this account to be updated so that I can pay off my credit card, and know that it will be updated properly, and reported correctly, otherwise this account needs to be removed from my credit report if they continue to misuse my credit report, because I have a {$480.00} balance that I am ready to pay, but they are not reporting it for months at a time. XXXX has not reported my Experian & XXXX XXXX XXXX for XXXX out of 10 months this 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 explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: MoneyLion Inc.
State: CT

Complaint narrative:
I have signed up for money lion credit builder program as my XXXX XXXX was in the upper XXXX XXXX. They said i can take out a credit builder app loan/installment loan and repay it and over time it would build my XXXX XXXX. Well after XXXX i noticed the app had a payment issue. I tried to upload the payment again and it kept giving me payment issues notifications. I tried a again a few days later and nothing. I called customer support and couldnt get hold of anyone. I thought the subscription would be cancelled due to non payment. Well moneylion kept charging for the subscription.I got a notification much later that my account was past due. I emailed the support team and told them it wasnt my fault as i already tried to submit payment and they replied saying they were able to put the payment through on there end with the same account and my account was showing paid in full and closed. I told them they destroyed my credit as its now showing XXXX my score was in XXXX and my on time payments of 100 % had dropped below 94 %. They said it wasnt there fault. I requested they immediately close the account through BBB complaint. The Moneylion rep said she will go ahead and close ou the accounts. XXXX later i get more emails stating my subscription payment is due and payment isnt working. I replied saying they already closed this through BBB complaint. The customer advocate responded it wasnt closed but she would close it again and sorry for the error. Moneylion has taken no responsbility in this. But because of moneylions faulty app and no course for resolution they have destroyed my creidt for 7 years all over {$20.00} payments that i tried to make online but couldnt. im seeking reprenstation as you already suing Moneylion. They use predatory types of marketing to try help low income/credit profile users to build credit but then destroy it at first chance then setup you for creditbuilder loans that cost 1000 % in APR.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vow have in our files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account, then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: GA

Complaint narrative:
This is my third formal request to remove inaccurate and false information from my credit report. The Collection company is XXXX XXXX XXXX XXXXXXXX and original creditor is XXXXXXXX XXXX the amount is {$5500.00}, Date opened XX/XX/year> Despite my previous attempts, the inaccurate information remains, the credit bureaus have failed to respond and according to FCRA Section 611 Part ( AX1 ) is a direct violation of my rights under several federal laws, including but not limited to 15 U.S. Code 1692c 15 U.S. Code 1692g, 15 U.S. Code 1681 e ( b ) The continued reporting of false information, especially the misuse of my personal information, is not only unlawful but also damaging. You are required by law to ensure the accuracy of all information reported, and failure to correct these inaccuracies after repeated notification is a violation of federal consumer protection laws. 
I request this false report to be removed from my Experian, XXXX and XXXX report. 

Thank you in advance

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 2024-10-28 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: NY

Complaint narrative:
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This account was charged off on the following date [ XX/XX/year> OF FIRST CHARGE-OFF STATUS ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : TransUnion : [ XXXX XXXX XXXX ] [ XXXX ] Subject : Dispute Regarding Response on My Account and Immediate Deletion Request To whom it may concern : I am writing to express my disagreement with your response regarding my account, which continues to contain inaccuracies. Additionally, you have now altered the date the account was closed and have been marking the charge off status month by month, which is illegal according to the law. I am therefore requesting the immediate deletion of this account, as you are legally required to provide an accurate and error-free verification, and this account contains numerous inaccuracies. 

I ask that you resolve this matter appropriately and in accordance with the law. 

Sincerely, 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 2024-10-28 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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. I want the fraudulent accounts to be removed from my credit report immediately because they hurt my ability to obtain credit.

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 2024-10-28 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: MA

Complaint narrative:
I participated in the PSLF program and began receiving notification of forgiveness in XXXX of XXXX. In XXXX of XXXX, I applied for consolidation so that all of my eligible loans would have the same count of eligible payment periods applied. At that time, all but 2 of my loans were at 121 payment periods. In XXXX of XXXX, I received XXXX notices : XXXX for forgiveness and another that my request for consolidation had been approved. My dashboard on the websites for both Federal Student Aid and my servicer ( XXXX ) showed a {$0.00} balance. 

Some weeks later, I logged into the Federal Student Aid website to begin a FAFSA for my son and saw that the full balance of the forgiven loans appeared as a balance due. XXXX has now started billing me monthly for these loans. I am working with my state 's AG office and have requested forbearance under their advisement. This request, made XX/XX/XXXX, has gone unanswered by XXXX. 

I have data files downloaded from the FSA site from XXXX and XXXX, along with the eligibility notices I've received. 

The forgiveness for my loans was not applied when the consolidation was approved. The consolidation now appears as a new loan of {$120000.00}. FSA shows that the total aid given to me was over {$240000.00}. This is incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: TX

Complaint narrative:
delete inquires and associated accounts from my credit report all that were listed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: PA

Complaint narrative:
This false reporting is not merely an error ; it reflects " actual malice, '' as TransUnion knowingly and recklessly disseminated incorrect information. The damage to my reputation has been substantial, and this defamation can not go unaddressed. IV. Financial Harm Resulting from Inaccurate Reporting Due to TransUnions willful and knowing misreporting, I have been denied credit cards and auto financing, and I do not qualify for an XXXX disaster loan that is critical to my financial stability. This violation of 15 U.S. Code 1681n entitles me to recover statutory damages, actual damages, and punitive damages. The financial setbacks I have experienced are directly attributable to TransUnion, XXXX and XXXX irresponsible and unlawful actions

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