vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Franklin Collection Service, Inc.
State: MS

Complaint narrative:
I contacted the agency regarding a medical bill but I was advised at the time I did not have a bill and now years later I noticed I have a collection on my account. According to Fair Credit Reporting Act Congressional findings and statement of purpose [ 15 USC 1681 ] section XXXX accuracy and fairness credit reporting and violations can detrimentally affect my credit score and privacy. Unauthorized pulls of my credit report, constituting privacy violations, disregarding FCRA mandates for reporting accurate credit information by furnishes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TransferWise Ltd
State: OK

Complaint narrative:
Howdy, I have tried to open a business account with Wise. It is an international transfer company that operates in the United States via XXXX XXXX. I have opened an account with them. I have paid to verify the account. I have gone through an incredibly lengthy verification process via email. 

To note : This company does not offer phone support. I have asked repeatedly to speak to someone. I can call in, but they tell me that I get to the personal line rather than the business line. I can not get transferred to business support. Therefore, I am never able to reach anyone. They do not have a physical location in the XXXX. 

I tried to transfer {$20000.00} to this bank account. I went through their process and transferred the money. It has been a week and it is still not in my account. I looked at my bank account today and they have ACH transferred ANOTHER {$20000.00} from my bank account. They have now taken {$40000.00} from my bank. {$20000.00} was without any permission whatsoever. This is fraud and/or outright theft. 

I can not reach any support. They are not providing any. I can not access my money. I am being charged fees along the way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: LA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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:
I am writing to dispute certain inquiries on my credit report that I believe to be inaccurate and unauthorized. Upon reviewing my credit report, I noticed several inquiries that I do not recognize or recall authorizing.

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 2024-03-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
I was just informed on reading my statements, Since the XXXXXXXX XXXX XXXX XXXX Lakeview Loan Servicing , LLC has purchased my loan and acquiring money on my behalf in false pre tense taking possession of my mortgage even though it has never went into default judgement. Lakeview Loan Servicing , LLC purchased my mortgage in good standing which is XXXX- ( 15 U.S.C . 1692 ). 

Also personal data of my things has been leaked and no word back or update on how to repay me or correct that.

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 2024-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CO

Complaint narrative:
I made a payment of {$1000.00} on XX/XX/2024 to Mohela on my last federal student loan. This payment occurred a few days my student loan transitioned to Mohela 's new platform. The payment was taken out of my bank account on XX/XX/XXXX. The payment never posted to my student loan balance, even after my loans transitioned to this new platform. I've called ( and emailed ) Mohela many times about this issue, but Mohela stated I must wait until after XXXX business days to escalate this issue. After 30 days, I called Mohela. The representative wouldn't escalate my call to a supervisor, and told me the accounting department would look into my issue. I asked if I would get a call back from the accounting department on updates/ or if they would resolve the issue. She told me I would not. I have no faith in Mohela sorting this issue out. They've made me wait an extreme amount of time ( XXXX business days ) past when I made the payment to even begin looking into the issue. I haven't heard from Mohela and the payment has still not posted. The customer service at Mohela is the worst I've ever seen. The wait times to speak with an associate are upwards of an hour to XXXX hours. I almost always am on the phone with a trainee, who has little to no information and can not help. I don't know what to do ; this {$1000.00} was supposed post to my student loan within XXXX business days. It is now nearly XXXX months later and I can not get answers. Finally, I am concerned I am getting charged the interest on the loan that the {$1000.00} would have alleviated. Please 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 2024-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
NCB Management Service {$590.00} XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX {$970.00} XXXX $ {$1200.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX {$6000.00} I have no knowledge doing business or signing any contracts with the creditors listed. I have never been provided with any signed contracts or payment history from the creditor 's listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: FL

Complaint narrative:
15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : it also states a consumer reporting agency can not furnish an account without my instructions. 

15 U.S. Code 1681a - Definitions ; rules of construction XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section XXXX of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The account is a direct breach of the FCRA PLEASE DELETE so we can avoid civil liability.

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 2024-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
on XX/XX/2024, I signed up for American Express XXXX XXXX credit card with a sign up bonus of XXXX ( XXXX ) x XXXX free night certificates for XXXX hotel room. I fulfilled the spend requirement but Amex said I'm not eligible for the bonus. Amex said there is a pop up saying I'm not eligible at time of apply. But during the whole application process, there is no pop-up like that. 

I want Amex to issue me XXXX ( five ) certificates as advertised

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
This is not supposed to be on my credit report, I have no loans with this company. Can you please delete this off my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: IL

Complaint narrative:
I am writing to dispute certain inquiries on my credit report that I believe to be inaccurate and unauthorized. Upon reviewing my credit report, I noticed several inquiries that I do not recognize or recall authorizing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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 am writing to follow up my previous dispute about certain information on my credit report that I believe is inaccurate and does not reflect my true financial history. I have carefully reviewed my credit report, and I have identified the following discrepancies.

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 2024-03-25 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: Easy Finance, LLC
State: TX

Complaint narrative:
on XX/XX/2024 I received a hard inquiry on my XXXX credit report that I did not authorize. From a lender called STEPSTONE CREDIT their phone number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I tried contacting them multiple times to report the issue but never received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: CT

Complaint narrative:
On my Equifax credit report there is an old XXXX XXXX credit card account ending in XXXX. I only have XXXX XXXX  XXXX credit card account ending in XXXX. This XXXX account was a replacement for the XXXX, therefore the account ending in XXXX is irrelevant and needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: MD

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2023 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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: NC

Complaint narrative:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2023 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.

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 2024-03-25 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: KS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 explanation
Consumer complaint received 2024-03-25 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I submitted an identity theft report with my name and social security card.and TransUnion wont remove the hard inquiries. I have called and submitted paper disputes. They are making hard for me to get a loan.

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 2024-03-25 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Location Services Holdings, LLC
State: TX

Complaint narrative:
Creditor repeatedly calls cell phone back to back but will not provide information related to debt. They have left aggressive and abusive voicemails. They mention that they are contracted by the county and have my home and work locations and will come to where I am. There is no real solution or information provided only threatening phone calls.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX IS REPORTING OUT OF STATUE OF LIMITATIONS THE ACCOUNT WAS LAST PAID XX/XX/2017

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX IS REPORTING OUT OF STATUE OF LIMITATIONS THE ACCOUNT WAS LAST PAID XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
my account at Arvest Bank In XXXX, XXXX XXXX was closed without evidence of the accusation provided to me and the notice I received on Monday had no clear explanation. the letter instructed my not to attempt to open any at Arvest and I am told thru a rep at the back that it was for multiple risks but no one can tell me what the risks are and allow me a chance to state my case. my case being i tried to use XXXX  for my bill pay but it wasn { t working so without i had to do a few transfers in and out of the account. There was nothing nefarious going on so I thought nothing of it. This may be the multiple risks they were speaking but no one has given me a chance to speak for myself. I try to be a righteous and upstanding citizen and very upset that my name can be disparaged this way. It appears to be some type of discrimination as well as typecasting

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 2024-03-25 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:
I did not give my consent for my private info to be reported on my credit report XXXX of XXXX XXXX {$610.00} I never had a agreement or a account with this fraudulent company.

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 2024-03-25 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: PA

Complaint narrative:
I did not give my consent for my private info to be reported on my credit report XXXX of XXXX XXXX {$610.00} I never had a agreement or a account with this fraudulent company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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: PA

Complaint narrative:
I did not give my consent for my private info to be reported on my credit report XXXX of XXXX XXXX {$610.00} I never had a agreement or a account with this fraudulent company.

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