vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, 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:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open these account with XXXX and XXXX, I am not responsible for any payments for this account. I have no business with XXXX and XXXX. I do not have a loan or contract with XXXX and XXXX or owe a debt to XXXX and XXXX is attempting to collect a debt on the basis of fraud. XXXX and XXXX has report false, derogatory, defamatory and slandering information about me to the credit Bureaus on XXXX and XXXX by which has resulted in my being damage, such action cause by way of denial of credit due to the inaccurate and negative information!!! XXXX and XXXX decided to ignore my demands for Validation and put negative information on my credit report. XXXX and XXXX has report defamatory information about me to the 3 credit bureau on account. Breach of fiduciary duties, failure of consideration, Misrepresentation of a material fact, unjust enrichment, no loan or considerate was given. I understand that you shouldn't be allowed to put any information on my file unless I have authorized it. Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature and the actual accounting showing a loss. Provide proof of claim with evidence that you have legal and lawful authority to collect. Failure to substantiate the claim, please settle account immediately. Im challenging this account with XXXX and XXXX. I understand that you shouldn't be allowed to put any information on my file unless I have authorized it. Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature and the actual accounting showing a loss. Provide proof of claim with evidence that you have legal and lawful authority to collect. Fair Credit Reporting Act ( FCRA ). Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature. Failure to substantiate the claim, Delete accounts immediately.

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 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, 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:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open these account with XXXX and XXXX, I am not responsible for any payments for this account. I have no business with XXXX and XXXX. I do not have a loan or contract with XXXX and XXXX or owe a debt to XXXX and XXXX is attempting to collect a debt on the basis of fraud. XXXX and XXXX has report false, derogatory, defamatory and slandering information about me to the credit Bureaus on XXXX and XXXX by which has resulted in my being damage, such action cause by way of denial of credit due to the inaccurate and negative information!!! XXXX and XXXX decided to ignore my demands for Validation and put negative information on my credit report. XXXX and XXXX has report defamatory information about me to the XXXX credit bureau on account. Breach of fiduciary duties, failure of consideration, Misrepresentation of a material fact, unjust enrichment, no loan or considerate was given. I understand that you shouldn't be allowed to put any information on my file unless I have authorized it. Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature and the actual accounting showing a loss. Provide proof of claim with evidence that you have legal and lawful authority to collect. Failure to substantiate the claim, please settle account immediately. Im challenging this account with XXXX and XXXX. I understand that you shouldn't be allowed to put any information on my file unless I have authorized it. Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature and the actual accounting showing a loss. Provide proof of claim with evidence that you have legal and lawful authority to collect. Fair Credit Reporting Act ( FCRA ). Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature. Failure to substantiate the claim, Delete accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc.
State: MD

Complaint narrative:
On XX/XX/2021, my entire checking account ( ending XXXX ) was closed with no warning and little explanation. I had approximately {$1600.00} in that account and I have no access to any of my money. 

I only have a single document to share. This happened in an instant and I have received no explanation. 

I promptly contacted MoneyLion via phone ( my bank ) and all they told me was they noticed suspicious activity and they closed my account. They sent an email that detailed instructions on how to reopen my account but said it would take 3-5 business days to process.

I immediately asked to speak to a manager and they said there are no managers and that they were entitled to close my account without notice pursuant to the membership agreement.

3-5 business days to reopen an account is ludicrous. I am penniless. I have no money left to feed myself, pay my bills, or celebrate my birthday ( which at the time of writing is in a day ). 

They also said that I owe them an explanation as to the suspicious activity. The only activity that could be construed as suspicious was my student loan disbursement on Monday, XXXX ( approximately {$5100.00} ). But that is outrageous, given the fact I have been a customer for over two years and have had my loans disbursed to this account for nearly as long.

Waiting 3-5 business days is simply unacceptable. The fact that there is NO support or immediate review of these instances is mind-boggling. I am at a loss for words.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Westlake Services, LLC
State: CA

Complaint narrative:
i had a predatory vehicle loan from westlake financial and i voluntarily gave them the location of vehicle in exchange for voluntary repo on credit file.. westlake financial purposely puts comments on my credit report every couple months and it makes my score go down. this is a closed account and the car dealership that sold me the vehicle shut down in the middle of the night due to fraud allegations. they are saying that they sold my vehicle at auction for XXXX when it was a brand new car? i have disputed this account on my credit report since it appeared there and have asked numerous times to be shown proof of sale price at auction for my vehicle the company is rude and will not send me proof of sale amount because that is supposed to be taken off my loan amount. it should also be noted that the company had me sign the loan documents for my husband because he forgot to sign in a couple places. now westlake financial is putting their own statements in my credit report asking anyone looking at my credit report to contact them about my derogatory account.. how is that even possible for them to do and they will not give me any information on the sale of vehicle. this account has been closed now it shows as a balance in my total credit on report.i have disputed numerous times and now they report on credit report every month.,. i am being harassed and my credit report being played with on purpose by westlake financial and the credit bureaus. i bought the car for XXXX and they say i owe XXXX after the proceeds from the auction which is not true. i called westlake and all they kept asking me was when i was gon na pay my debt still havent recieved anything about the auction .. this is very unprofessional for them, to do and we were tricked by the car dealership also .. the car was sold as a take over payments when i couldnt afford the payments but the guy i sold car to never made a payment and sent me fraudulent copies of money orders showing he paid it every month. thats when i found out and contacted them to tell them where to find vehicle to repo it. that wasnt my fault but they should of done what they promised that showed i helped them recover vehicle.. i am besides myself seeing that they have a comment on my report for anyone to contact about a closed account on my file.. i want to go to the highest level of appeal on this matter as i have stated since day one.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Finance System of Toledo, Inc.
State: OH

Complaint narrative:
XXXX XXXX of XXXX called XXXX/XX/XX/XXXX and did not verify any PII, but provided full SSN & DOB without receiving any information as to whom they were speaking with to discuss an account. They advised the account would be removed upon payment. The original creditor XXXX was also notified and was advised upon payment account would be removed from credit report. No such action was taken. This will be my second small claims suit in XXXX if this is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have tried to resolved this matter on 3 different occasions and nothing has been done, I have exhausted my resources and I demand this fraudulent account to be removed immediately. I have submitted an affidavit to back up my claim and to my understanding an affidavit stands as TRUTH if not rebutted. Please help me stop unfair debt practices from LVNV FUNDING LLC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the last complaint, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX  Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Hello, currently all 3 credit bureaus are counting my rate shopping for a mortgage on my credit report as individual inquiries rather than lumping them as a single inquiry on my credit. This has negatively impacted me by not only dropping my credit score by 50+ points but because all the inquiries for my rate shopping are not being consolidated and counted as 1 and is hitting my report as individual inquiries. I can not get approved for any credit cards because banks think I am desperate for credit. This is very harmful to me as I have never been late on a payment and have been a good steward of my credit and was at XXXX credit prior to all these inquiries dragging my score to the ground. 

On alI the credit bureaus, I have 7 hard inquiries from XX/XX/XXXX and XXXX but these should be counted as 1 as I was rate shopping for a mortgage.

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 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX XXXX XXXX  XXXX XXXX Balance {$81.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To whom this may concern, I have tried multiple times to fix the inaccurate personal information that's on my credit report and this bureau refuses to remove the inaccurate. I have attached proof of address and name with my drivers license and home of record. This has not changed. I will attach dispute paper with accounts that are reporting inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have spent hours and hours on the phone attempting to get my refund for a purchase that was returned, verified returned and the credit card com-any refuses to help me, just saying for 3 months that the matters under review, which completely violate their own customer protection policy. 

I purchased an item in XXXX on XXXX using my paypal credit account. I item ( XXXX ) turned out to be stolen and unusable, I returned the item, sent the verified tracking into them and they put the matter under review and refuse to give me my money back or help me what so ever

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 2021-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
I just had gotten an notification from my credit report saying I had an an debt collection which was new to me. And it popped up as EOS CCA. Saying I owe XXXX that I dont know about and also it was giving an address that I never been to in my life

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Disputed multiple closed accounts still reporting as revolving and CO each month as these accounts have been settled and closed. Inaccurately reporting settled date of accounts.

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 2021-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I have spoken to jp morgan chase numerous times about them reporting my loan 30 days late on XX/XX/2017 and XX/XX/2017 on all three credit bureaus. I have also disputed this multiple times with all three bureaus and nothing comes back of any proof or how this was late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
HUD Title 1 Loan reporting on XXXX and US Department of Housing reporting on Experian has failed to remove this reporting from my credit report. The last payment was made in XXXX of 2014 the first delinquent payment was XXXX of 2014 it has been over seven years this negative reporting has been on my credit report. I am exercising my right under the fair credit reporting act, Section 609, to request information regarding an item that is listed on my consumer credit report. HUD Title 1 Loan ( XXXX ) and US Department of Housing ( Experian ) As per section 609 I am entitled to see the source information which is the original contract that contains my signature and the following items. 

1. A copy of disclosure for the loan 2. Interest rate disclosure for the loan 3. Balance history of the loan 4. Payment history of the loan 5. Credit insurance for the 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 explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I submitted a dispute will all three bureaus, highlighting many inaccuracies on my credit report. Transunion and XXXX have not verified ( or removed ) information pertaining to my claims. It has been over 60 days since my dispute was received and no one has corrected this error. My identity was compromised earlier this year, which is why the disputes were sent. I submitted an FTC report with police report via US mail to all 3 bureaus and they have failed to comply. This situation has been a hindrance to my credit growth. Please help me.

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 2021-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CO

Complaint narrative:
Hello. I am an XXXX XXXX member of the United States XXXX XXXX. I have been on XXXX XXXX since XX/XX/XXXX. I have federal loans. I applied for the public student loan forgiveness program in XXXX. I was told at the time that I had been paying too much on my standard repayment plan and by time I did an income based repayment plan my loans would be paid off before they were forgiven. I know now that to be completely false. In XX/XX/XXXX, I applied for the TEPSLF program. I had to wait until XX/XX/XXXX for the Department of Education to determine whether the United States XXXX XXXX was a qualifying employer. Then I promptly got a denial letter because I had FFEL loans. I called student aid and they explained that I could consolidate with direct loans but I would have to start the 120 qualifying payments all over. 

I saw the news about the overhaul of the program. I called student aid and was on hold for over 20 minutes. I then had to be transferred to a different department where I have been on hold for over 30 minutes. Thats nearly an hour total. 

I am requesting your help. I have made payments on my federal student loans since XXXX. I have been a member of the XXXX XXXX XXXX XXXX the entire time. Thank you for your consideration. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation