vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-07 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: GA

Complaint narrative:
I have a charge-off showing on all three credit reporting agencies for XXXX XXXX XXXX XXXX which needs to be changed. This is not a charge-off as I am in a court-ordered payment plan with the creditor. I have disputed this with all three credit bureaus and even attached paperwork to show that I am in the payment plan, but they all came back saying that the creditor says the charge-off is accurate when it is not. It says that I owe {$6800.00} which is charged off and I have been disputing this since XX/XX/2023 to get it fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 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: IL

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 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 2023-10-07 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: IL

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 non-monetary relief
Consumer complaint received 2023-10-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Total Auto Finance
State: VA

Complaint narrative:
Starting XXXX of XXXX when I bought the car they told me nothing was wrong with it even though the check engine light was on. I was told to call the bank I bought the car through and speak with them about insurance mind you I have full coverage insurance on the car however they told me that I would have to pay for repairs out of pocket even with full coverage and extended warranty on the car. The car has not been driven in 4 months now due to the severe mechanical issues the motor is having its unsafe to drive. The bank has called / email or texted me every day of the month telling me I need to make my car payment. I explained I would be late on a payment and theyd advised me that they couldnt help me anymore because Ive threatened them with a lawyer. However I have asked them and told them along with blocking many numbers and emails from them for the harassment every single day all hours of the day and night. They told me I was 11 days pass due for my payment and said I need to make a payment or they would repossess my car which is illegal my contact says I have to be a full 30 days behind and that I have 72 hours after that to make the outstanding balance or my car would be confiscated. Im not sure what else to do but I advised them to stop the threats and harassment or I would file a lawsuit as the car is in the middle of a lawsuit ( XX/XX/XXXX ) for auto fraud and warrant in debt for my name being forged on a paper I never signed or received and them harassing me nor wanting to fix the car even with insurance or warranty. A bank should not be able to call, message or email me all hours of the day and night from many different numbers or tell me I have to make my payments through XXXX or XX/XX/XXXX. I have tried to arrange something with this bank for lower car payments or refinancing the car as I have had it 10 months and theyve denied me any help. After theyve already threatened to repossess my car 2 times ( I have evidence ) when I want a full 30 days behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: HireRight Solutions, Inc.
State: CO

Complaint narrative:
A background check was round for me through an employer. False information has came back about the criminal history and known aliases.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 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: EdFinancial Services
State: DE

Complaint narrative:
With student loan forgiveness no longer in deferment, my first payment was due XX/XX/XXXX. Ive made repeated attempts to make the payment with Edfinancial, but they keep reversing the payments without any explanation. Here is the series of events : -On XX/XX/XXXX I made a payment of {$170.00} XXXX XX/XX/XXXX the payment was reversed -On XX/XX/XXXX I tried again to make the payment of {$170.00} XXXX XX/XX/XXXX {$170.00} was listed as a write-up -On XX/XX/XXXX I made a payment of {$370.00} because my account was saying I was past the due date -On XX/XX/XXXX the payment is reversed I just tried again to pay the {$370.00} my account is saying I owe, but am worried it will just be reversed again. There is no reason these payments should be reversed, it doesnt appear Edfinancial as even tried to take the money from my checking account. I tried to call Edfinancials customer service number on XX/XX/XXXX to get this problem sorted, but was put in a call back list by the automated system and am still waiting for a call back as of XX/XX/XXXX. What is going on? I just want make my payment. I read online that many other people have been experiencing this issue and it was recommended that I file a complaint with CFPB. Hopefully you can help me. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC
State: NC

Complaint narrative:
My ex-girlfriend had opened this account I never knew nothing about it. I didn't find out till a few months ago when I checked my credit report. I contacted the company to let them know hey this wasn't me and that she did this. I actually was trying to press charges against her but she left town. The collector wouldn't work with me said I was lying and I had to pay in full or they would sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 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:
THE ACCOUNTS THAT I AM DISPUTING DO NOT BELONG TO ME. THEY ARE A RESULT OF IDENTITY THEFT/ FRAUD. PER 15 USC 1681B YU ALL CAN NOT FURNISH INFORMATION THAT I DID NIT AUTHORIZE LET ALONE WRONG INFORMATION AT THAT. I AM ASKING FOR YOU ALL TO INVESTIAGTE THIS MATTER AND REMOVE THESE FRAUD ACCOUNTS ASAP!

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 2023-10-07 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: FL

Complaint narrative:
THE ACCOUNTS THAT I AM DISPUTING DO NOT BELONG TO ME. THEY ARE A RESULT OF IDENTITY THEFT/ FRAUD. PER 15 USC 1681B YU ALL CAN NOT FURNISH INFORMATION THAT I DID NIT AUTHORIZE LET ALONE WRONG INFORMATION AT THAT. I AM ASKING FOR YOU ALL TO INVESTIAGTE THIS MATTER AND REMOVE THESE FRAUD ACCOUNTS ASAP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: UT

Complaint narrative:
The company sold me a car with a recall, the coerced the paperwork to inflate the interstat rate and to not document my down payment, and to not use gap insurance money I paid for gap insurance. The proceeded to not record payments made on time and denied the gap claim when filed. They issued a XXXX charge off, on a vehicle I purchased for XXXX. They have illegally coerced the loan to higher interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 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:
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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2023-10-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
On XXXX new home owners were denied transfer of solar loan based on low income. 
Then, on XXXX, new homeowners reapplied with a credit score of XXXX and a household income of XXXX and were again denied, this time with no explanation for denial. As the current owners of the home, our household income which initially qualified us, was way less, XXXX, and we were approved. 
Mosaic loan company has not provided us with any guidelines as to what the new home owners need to meet for approval or denial of a loan transfer. They have also not provided any of the parties with a direct contact for the loan approvals, stating that the loan officer can only go as far as gather the information but it is up to a legal panel ( only reachable via email and not direct contact ) that will approve or deny the transfer. This has delayed the sale of our home, which the new homeowners have been approved for, by over a month, to the point the new homeowners are about to time out on their home loan application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

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 2023-10-07 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: Informative Research
State: OH

Complaint narrative:
Hello, This company Information Research looked up my personal credit report without my consent or permission. added a fraudulent hard inquiry on my credit report on XX/XX/2023. I have never done any sort of business with this company, and I don't know how they were able to access my personal information. 

Information Research XXXX XXXX XXXX XXXX XXXX, Ca XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Request personal information to be removed from my credit report that wasn't correct. 

When they responded they said it was verified information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
I deposited several checks from XXXX XXXX, issued by XXXX  Bank ( now Flag star bank ), into my checking account with XXXX XXXX, on XX/XX/2023. The total amount is {$22000.00}. 

XXXX froze the account and then closed it. Their Fraud department concluded it was fraudulent deposits. In a CFPB reply letter from XX/XX/XXXX, they said they received a request to return the deposited items from Flagstar Bank, request sent on XX/XX/2023. 

As of today, I still haven't received my money from Flagstar Bank, nor they are giving me any insights in the process of returning the money.

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 2023-10-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: OR

Complaint narrative:
I have been unable to reach Nelnet to find help with my account. 

My Federal loans were transferred to Nelnet. I was previously on an Income-Driven Repayment option, on the 20-year forgiveness track. I am not currently working and have been trying to update my status on the site to lower my monthly payment obligation.

Also, while in my account, I noticed some discrepancies with the amount owed and could not find my 20-year track information.

I filled out the online form and received an email with instructions. To me, the instructions were not clear - it seemed as if they wanted me to start an IDR from scratch. Also, the email contained a broken link ( I tried from multiple browsers and over a period of time ). 

I tried calling Nelnet several times over the period of several days, with hold times of up to an hour and forty-five minutes. They do not have a contact feature on any social media and their chatbot was not able to provide specific answers to my questions or point me in the right direction. 

Today is the due date for payment and I have still not been able to reach them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 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: CA

Complaint narrative:
1 ). No record of " payments '' made while under IDR plans 2 ). No information received when requested on this issue.

3 ). No communication with new servicer Mohela and no communication between their site and Studentaid.gov 4 ). Multiple loan repayment discrepancies so the process has been conflated and confusing.

5 ). Multiple calls/emails and no information that is helpful to this situation has been received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Hillcrest Davidson & Associates
State: SC

Complaint narrative:
On XX/XX/2023 I cancelled my XXXXXXXX XXXX XXXX. I received notice on XX/XX/XXXX through XXXX that a collection has been added to my credit report in the amount of {$37.00}. I have never been notified of any amount due. I have the documentation of the cancellation. I have disputed the debt with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: OPORTUN FINANCIAL CORPORATION
State: NC

Complaint narrative:
My ex-girlfriend had opened this account I never knew nothing about it. I didn't find out till a few months ago when I checked my credit report. I contacted the company to let them know hey this wasn't me and that she did this. I actually was trying to press charges against her but she left town. The collector wouldn't work with me said I was lying and I had to pay in full or they would sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo opened several accounts without my permisson

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Child Support VA Account # XXXX I have recently been informed that there is a negative claim reported by Child Support VA Account # XXXX account on my consumer report and under my Social Security number. Upon reviewing a copy of my consumer report, I see an entry listing I have a {$3300.00} Charge-Off with major inaccurate information and it is affecting my consumer report. This account is being illegally reported on my credit report. I requested method of verification on this account. How is this accurate if this account is reporting inaccurate due to no reported monthly payment amount, the term duration, credit limit amount is inaccurate, last reported date is inaccurate, last active & last payment date is inaccurate. Therefore, I am now formally requesting method of verification according to the Metro 2 Compliance standards. Any automated response, or XXXX  verification is unacceptable. This listed item is entirely inaccurate and incomplete and must be deleted. Furthermore, if at any time during your investigation the above account is verified by Virginia Department of Social Services. I requested method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has firsthand knowledge of the account in question.

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 2023-10-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
Notice to ALLY FINANCIAL INC., that I'll be doing an audit of my account and checking the accounting. I'm submitting my completed form 3949a to the IRS to correct their securities fraud, Identity fraud, discrimination, and breach of contract. I have already filed my complaint and summons with the higher courts.

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 2023-10-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Credit report showing fraudulent inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 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: NY

Complaint narrative:
Credit report showing fraudulent inquiry

Company response to consumer: Closed with explanation