vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-04 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:
These credit card applications were applied for fraudulently on the dates listed below and are showing up as Hard Inquiries on my credit report. 

XXXX XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XX/XX/year> XXXX 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 explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
XX/XX/year> I called Credit Acceptance finance company whom our vehicle is financed through to discuss changing the due date. I requested a due date change because of financial hardship and being XXXX. I was told that their company doesn't offer to change to due dates but could offer a promise to pay option but it comes with " late fees. '' I asked how could they charge late fees if they don't offer a change of due date for any circumstances? Still no assistance in making it more convenient to not absorb late fees and pay on time. To my understanding this practice can be adopted but its extremely rare. Ive never had a finance company tell me we couldn't switch our due dates due to circumstances arising. Ontop of that when we got the vehicle we were deceived into paying at least {$4000.00} more than the market value which caused us to be immediately upside down in our car loan out the gate. The dealership ( XXXX XXXX ) never fixed what needed to be repaired when asked in the midst of purchasing the vehicle. The salesman kept lying saying he had someone to repair only to keep being brushed off and time going by leaving us with that cost as well. They both assisted in this financial hardship of the car loan. It's one thing to make commission, it's another to take advantage of customers whom are ignorant to certain details.

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 2024-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JPMorgan sent my credit card to XXXXXXXX XXXX XXXX, some sort of law firm, and now XXXX of their reps knocked on my door, threatened to be " back in a week to knock on my door '' if I don't pay the full amount. I called them many times over the phone but I they never pick up. Now my suspicion is they are trying to make it seem like I don't respond to their request when in fact its them that don't pick up calls and won't work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: TX

Complaint narrative:
The accounts listed on my credit report contain inaccuracies, including incorrect account statuses, payment history, and/or account balances. Despite previous attempts to have these corrected, they continue to reflect erroneous information, which is unfairly impacting my credit score. I am requesting assistance in having these accounts reviewed and removed due to the inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: TX

Complaint narrative:
The accounts listed on my credit report are inaccurately classified, with statuses that do not reflect their true standing. Some accounts are showing as delinquent or in collections despite being resolved or paid in full. This misrepresentation is affecting my creditworthiness, and I request a review and correction by removing these entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I noticed that there are fraudulent inquiries on my account and I need them removed. XXXX - XXXX Cards Services XX/XX/year> XXXX - XXXX Card Services XX/XX/year> XXXX XXXX Truist Bank 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 explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: World Omni Financial Corp.
State: SC

Complaint narrative:
My vehicle has been paid off for over a month, yet Southeast Toyota out of XXXX XXXX  has been sending false information to XXXX Credit Reporting Agency saying that I still have a balance of XXXX XXXX which is not true!! This company has been constantly sending in wrong information destroying my credit, and making me look bad to other creditors! I have my title proving they are wrong for doing these issues!! This is happening because I called them out by charging off my car under false pretense, just to get extra money from me, and the government!!! This entire matter should be investigated!! They are also saying I had an installment agreement with them, which is not true! I paid this car off in full, not a lesser amount like they have been stating to XXXX, to get government charge off money!! If anything, I overpaid them!! I paid the remaining balance which was {$650.00}, when it should have been only {$300.00}, but the stuck me with another {$350.00}. I will be sending in documents that prove what I am stating.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX at XXXX PM, my friend XXXX XXXX sent me {$20.00} for gas when I needed it. and it did not come through instantly how I expected it to so it went into a pending state. A couple of days later XX/XX/XXXX at XXXX PM. The same friend sent me {$100.00}. And it also went into pending XXXX days ago, XX/XX/XXXX at XXXX PM. My friend XXXX XXXX XXXX sent me {$160.00} and it also went into pending. This had never happened to me out of my XXXX years of using Cash app. This situation has not been resolved at all. I made multiple attempts more than XXXX : cash app support and also also email them more than XXXX times and they have not resolved the situation or have not gave me any updates on it. This situation has took a toll on my mental and well-being. I feel like Ive been violated and treated less of. My Cash app tag is $ XXXX. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I do not owe this creator. This creditor did not provide an account number for me to dispute for that particular account for the amount of {$1100.00} And an amount of {$740.00} No account provided

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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: TX

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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: TX

Complaint narrative:
The accounts appearing on my credit report have not been properly verified by the reporting agencies or the creditors. Under the Fair Credit Reporting Act, I have requested proof that these accounts are valid, but they remain unverified. Without sufficient verification, these accounts should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Recently, I encountered issues while attempting to verify my identity through Experian, which is being used by a XXXX XXXX. Despite previous successful verifications, this time my identity could not be confirmed. Attempts to log in to Experian directly were also unsuccessful. On XX/XX/year>, I made multiple calls to Experian, but was unable to reach a live agent, as I could not bypass the automated system. To connect with a live agent, I was required to state a reason. Despite trying various options multiple times, I was ultimately prompted to provide my social security number and zip code. The final response was consistently, " Thank you, I am not able to assist you over the phone, please visit our website, Experian.com. '' On XXXX occasion, I was presented with an automated option to either visit a website or receive instructions via email. Do live specialists actually exist? I harbor significant skepticism regarding this matter. My sympathies lie with those who lack computer literacy and are unable to navigate through such perplexing offerings. I am appalled, disgusted, and deeply disappointed. I anticipate a comprehensive explanation and resolution from Experian XXXX ; failing that, I am prepared to take this issue to higher authorities.

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 2024-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Last month, I provided a better copy of my identification as requested by the fraud department at Bank of America. He told me thats what he would need to prove that I wasnt the one at the ATM pulling money from the account because there were CLEAR pictures of the girl in a car pulling money straight from the ATM. When I sent in the license I assumed that would be what they needed and I also explained that I cant even drive due to medical reasons that terrify me from being behind the wheel. So Im not understanding how my claim was denied when the person in the photos is CLEARLY not me or anyone I know or authorized to steal my money. Why would I go to the ATM when I can go to the teller? And why was I never at the ATM? Not even once. There is clearly no investigation being done because when I requested information on why my claim was denied they sent me the SAME bank statement they keep sending that only proves my money was spent. Unacceptable.

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 2024-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
This complaint keeps the unresolved primary issue with CFPB complaint XXXX ( Wells Fargo complaint XXXX ) on the table. What Wells Fargo has still to address is how the fraudster was able to do a cash advance on my Visa card. Their actions and inactions so far imply they are not willing to significantly improve their customers ' account security to better prevent this kind of event happening again. All I am seeking is a ) Wells Fargo 's plan and commitment to significantly improve their security in the aforementioned regard, and b ) hopefully dismiss their claim that I owe them {$19000.00} which could not have happened without this security breach.

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 2024-11-04 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: NC

Complaint narrative:
I am contacting you as a victim of the XXXX data breach, which compromised my personal information and has raised concerns about potentially fraudulent accounts on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am requesting detailed information on the method of verification used to confirm the legitimacy of the following accounts appearing on my report : 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 2024-11-04 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: FL

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am filing this complaint against LVNV for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and for infringing upon my privacy rights. 

I requested validation of the debt they reported to the credit bureaus under Section 609 of the FCRA. Despite multiple requests, the creditor has failed to provide adequate documentation to verify the debts legitimacy as required by the law. Furthermore, I notified them of discrepancies regarding this account under Section 611, which mandates that they investigate any disputed information reported to consumer reporting agencies. However, they have failed to correct or remove the item from my credit report.

Additionally, their continued reporting of this unverifiable information violates my privacy rights under Section 604. By failing to validate the account and allowing the inaccurate information to persist on my credit report, they have breached my right to privacy by disclosing unverified, and therefore potentially erroneous, information.

This lack of compliance with Sections 609, 611, and 604 of the FCRA has negatively impacted my credit score and overall financial well-being. I am seeking the CFPBs assistance in holding LVNV accountable to ensure they respect my rights as a consumer and remove the unverifiable account from my credit report.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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:
None of the reporting agencies Experian XXXX or XXXX XXXX have been reporting efficiently on all three reports. There are agencies unrecognized claiming to collect debts that don't belong to me and there's inquiries that i did not consent to. Pursuant to the fair debt collection practices act 15 United States Code 1692, all collections that don't contain original signatures and consents need to be removed from my credit. No agency has been able to send proof of obligation to pay. According to 15 US code 1681 ( c ) 2 all charge-offs need to be removed from my credit immediately according to 15 in US code1692 and 1692 ( g ) all collections you need to be removed without original consent and signatures and according to 15 U.S.C 1681 b ( 2 ) ,15 US Code 1666 ( b ) and 15 US code 1637 ( a ) all late payments need to be deleted off my credit report immediately and any and lastly under 15 US code1681 ( n ) all hard inquiries must be removed from my credit immediately. All three bureaus have refused to update their information so that they all reflect the same information and that is against the law and needs to be removed so that all three bureaus reflect the same information. The bureaus refusing to make these corrections constitutes as willful ignorance and Civil Liability for Willful Noncompliance underneath U.S. Federal law and has grounds for penalties of {$1000.00} per each violation not corrected under U.S.Code 1681 ( n ). I have contacted all the bureaus and agencies and have requested that all these charge offs and negative marks be removed, but the bureaus have willfully non complied under The False Claim Act 31 U.S.C. 3729

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 2024-11-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MI

Complaint narrative:
I have applied for the XXXX XXXX XXXX from my private loans with XXXX Mohela XXXX I talked to them and they said based on my loans and where I went to school I qualified for the application. I filled out the application and waited the 60 days for a reply. I have called in a few times and am directed to a voicemail box. I have left voicemails and never had been contacted back. XXXX ext. XXXX During this time, XXXX sold off their loans to Mohela. I just got the rejection letter but the reason was very vague and did not say why I was not discharged. 

Here is the reason : A variety of factors are considered in determiningwhether a private loan should be discharged based on school misconduct and youdo not meet the requirements for discharge based on misconduct by your school. 

As you can see it doesn't explain why i got denied and has many errors in the reasoning. I think it was denied due to the switch. 

I am part of the XXXXXXXX XXXX XXXXXXXX lawsuit and was approved for my Federal Student Loans to be discharged. I dont see why my private loans would not be discharged as well due to me being part of the lawsuit that shows predatory and miscount from the schools.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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: TX

Complaint narrative:
The accounts listed on my credit report contain inaccuracies, including incorrect account statuses, payment history, and/or account balances. Despite previous attempts to have these corrected, they continue to reflect erroneous information, which is unfairly impacting my credit score. I am requesting assistance in having these accounts reviewed and removed due to the inaccurate reporting.

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