vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-24 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: TX

Complaint narrative:
I applied for Income Driven Repayment Plan ( SAVE plan ) on XX/XX/XXXX, I called in XXXX for an update. They told me they will try to expedite the request. On XX/XX/XXXX, instead of expediting the request, the representative ended up applying for another type of loan ( Income Based Repayment Plan ) and also put me in Administrative forbearance until the matter resolves. I am on the PSLF program, so forbearance does not help count my payments towards the program. I have repeatedly called MOHELA to remove the forbearance and ask my status on the IDR ( SAVE plan ) and they keep giving me the run around and no one seems to know what is going on. I am urging CFPB to please help me with this matter so I can get my loan type and payments situated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: AZ

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S. Code 1681e : ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

( e ) Procurement of consumer report for resale ( 1 ) Disclosure A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report 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 FURNICH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S. Code 1681e : ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

( e ) Procurement of consumer report for resale ( 1 ) Disclosure A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report 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 FURNICH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX a rep from XXXX XXXX called me because I was XXXX pmts behind. After speaking to the rep we came to an agreement that I needed to pay XXXX dollars to help the account. I made a {$47.00} pmt on XX/XX/XXXX while speaking to her and set up a pmt to come out on XX/XX/XXXX in the amount of {$45.00}. The rep then advised that because of my pmts when the on on XX/XX/XXXX cleared I would get {$160.00} in late fee credits applied to the account. Today XX/XX/XXXX I call because I did not see the {$160.00} credited to my account. I was then advised that in order to get the {$160.00} credited to my account I would need to make pmt arrangements for the balance of the card. I made the arrangements of {$20.00} for XX/XX/XXXX and then {$86.00} on XX/XX/XXXX. The rep then proceeded to tell me that I would not be credited the {$160.00} until the pmt in XXXX cleared. The rep then said that she had already given me a XXXX XXXX {$82.00} on the day I made the $ XXXX on XX/XX/XXXX. I told her that everything she said was contradictory because she first told me that I would not be able to get the credit until after the pmts posted... so how did she give me a credit the same XXXX XXXX. Please someone look into this. It is my second time feeling XXXX  over by them. I am trying to make my pmts but they make me not want to because they keep lying to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-24 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: CO

Complaint narrative:
I am writing to complain to EXPERIAN about the reported incorrect and inaccurate information on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXXXXXX XXXX XXXXXXXX, CO XXXX, and my name is XXXX XXXX XXXX XXXX. My birthdate is XXXX. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove the late payments them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

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 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
In XXXX of 2022, I signed up for debt consolidation with XXXX XXXX and made a settlement of {$480.00} with Bank of America. From XXXX to XXXX, I made payments between $ XXXX {$190.00} and when I left the program. I only had over {$200.00} remaining. Both the settlement agreement and the amount that I ended with are both on my credit report. Only the amount that I ended with after the settlement should be on there.

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 2023-10-24 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: FL

Complaint narrative:
See letters attached

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 2023-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
After filing the first claim against Transunion XXXX and XXXX retaliation began against me with my credit profile. XXXX pretty much complied with the laws and made necessary corrections. XXXX took me through a process of putting fraud alerts and remark codes on my accounts and taking credit score points away from my score for incorrect reports of my accounts. Transunion on the other hand has not only placed a fraud alert on my profile ( claiming that I typed my social security number in wrong causing the permit lock for my protection ) but they placed what they call a permit lock on my profile so anytime I have the fraud alert removed it will go right back on the account. I am sent to go around in circles from department to department having fraud alerts removed, having my locked online account unlocked in order to login, sending in documentation to the fulfillment department to be verified, request blocks to be removed from the consumers occupational department, requesting blocks removed from the escalates department and the fulfillment excess department, then there is the file maintenance depart. They all blame each other for these locks and once I continued to reach out to them all day on a daily base I then get a notification that the score I did have was decreased by the entire score of XXXX because of an incorrect reporting of my credit card. I don't know when consumers began to have the time to stay on the phone arguing with the credit bureaus or why would the credit bureaus would want to hinder people from having a fair score to apply for credit but it is unethical and immoral. I fabricate stories of getting updated information from the creditors when it is not so at all. How can I have a new account added to my profile if the account has been there for over two years. This game that the credits are playing seem to be targeted towards the new programs set in place by the government to help first time home owners purchase homes because one thing they all will ask you when you are requesting them to correct your profile is if you are trying to get a mortgage loan. These programs are to help those that are low incomed to have the opportunity to purchase and become self-sufficient but everytime these programs begin to thrive proving they can work some organization does something to cause an attempt to failure on these programs.

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 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

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 2023-10-24 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: FL

Complaint narrative:
There are inquiries on my report that I do not recognize and did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-10-24 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: TX

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2023-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jim Bottin Enterprises, Inc
State: DE

Complaint narrative:
On XX/XX/XXXX I signed up for a gym membership with XXXX XXXX ran by ABC Fitness Solutions , LLC. Their website is www.myiclubonline.com. On XX/XX/XXXX I sent out the following message via certified mail : XXXX XXXX XXXX XXXX XXXX, XXXX DE XXXX XX/XX/XXXX Everyone Fitness XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, DE XXXX Dear ABC Fitness Solutions XXXX : This letter serves as formal notice of my intent to cancel my gym membership contract number XXXX, dated XX/XX/XXXX. 
I have moved away from XXXX to XXXX and wish to cancel my automatic renewal. 
I expect to receive written confirmation of my cancellation within 30 days. If you have any questions, please contact me at XXXX. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX On XX/XX/XXXX I received an email from customer care stating the following : We have received your request to cancel. Before your account can be cancelled, you are responsible for a 30 day written request ( this has been fulfilled via your mail ) I then called that same day, XX/XX/XXXX, and confirmed with a club employee that my membership was canceled and I did not have to do anything further. 

I was then told on XX/XX/XXXX via email and mail that my alleged debt was sold to XXXX XXXX XXXX and that I owed {$110.00} of past due payments which is incorrect. I was fraudulently charged and this false debt has now been added to my credit report. If this matter is not resolved I will escalate this to small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
I have called and sent letters to XXXX and XXXX about the account XXXX XXXX and I have not gotten any resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: AL

Complaint narrative:
I have called and sent letters to Equifax and XXXX about the account XXXX XXXX and I have not gotten any resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 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: TX

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: NV

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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 2023-10-24 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: NV

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.

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 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 2023-10-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WA

Complaint narrative:
I tried to buy a XXXX XXXX online in XXXX. Repeatedly after being told a car was available, I applied for credit with Mazda 's financial arm, and then shortly after, the car was no longer available. This happened multiple times. I even waited for a sales rep to explicitly tell me when to come in. Then I went in, but they had no one on hand to actually sell me the car.

Yes, I filled in the applications, but with the express understanding that the car ( s ) were available. They induced me to run two credit checks in the same week and I came away with nothing for it because they weren't available for sale. It's hurt my credit score and I want these inquiries removed from my credit reports.

Company response to consumer: Closed with explanation