vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-11 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: MN

Complaint narrative:
The following credit card account currently listed on my Experian and XXXX credit report is lost/stolen : XXXX XXXX XXXXXXXX # : XXXX , the following hard inquiries currently listed on my Experian and XXXX credit report is fraudulent, unauthorized and not my hard inquiries : XXXX, XX/XX/XXXX  and XXXX XXXX XXXX XXXX XXXX XX/XX/

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 2023-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: GA

Complaint narrative:
I was out with my family at a food spot and my phone and my wallet and phone was gone when I left the bathroom. I was able to locate my phone using FIND MY not to far from the food spot. I assume the thief couldnt get in or something and just left it in the grass. Anyways I reach out to chime they deny my dispute and offer to send documentation but Im XXXX and some change short XXXX is around the corner and I really need my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Carvana Group, LLC
State: NM

Complaint narrative:
Carvana took money twice out of my bank for a car loan in error. I was overdrawn because of it and charged fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: DE

Complaint narrative:
Applied for a loan online with One Main Financial. Went to physical location of lender to complete documents. 
I have been making my payments on time but have been receiving harassing calls for me to sign additional documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
First American XXXX XX/XX/XXXX XXXX Credit XX/XX/XXXX XXXX XXXX Neighbor XX/XX/XXXX FD/Crosscountrymortgage XX/XX/XXXX CREDIT TECHNOLOGY XX/XX/XXXX CREDIT TECHNOLOGY XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-12-11 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: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
There are over 30 inquiries viewed by others currently listed on my Chex Systems Consumer report ID : XXXX that Chex Systems informed me that they deleted and removed from my Chex Systems Consumer Report on XX/XX/2023. Review Consumer Financial Protection Bureau ( CFPB ) Complaint : XXXX. There are over 30 inquiries currently listed and showing on my Chex Systems consumer report that are all fraudulent, unauthorized and not my inquiries. I have never had any checking account abuse or owed any money for a closed checking account. I want Chex Systems to immediately mail me a copy of my Chex Systems Consumer 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 2023-12-11 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: FL

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 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: NC

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 XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : US DEPT OF EDXXXX Account # XXXX Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : DEPT OF EDUCATIONXXXX Account # : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-12-11 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: NC

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 XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : US DEPT OF EDXXXX Account # XXXX Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX  Account # XXXX Account name : DEPT OF EDUCATION/XXXX  Account # : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Their is incorrect information on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 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: NC

Complaint narrative:
Their is incorrect information on 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 non-monetary relief
Consumer complaint received 2023-12-11 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: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXXXXXX XXXX account # XXXX XXXX, XXXX Original creditor : XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a count with my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I requested validation of debt from the original company. I never received a response of the information requested. The information on my credit report is reporting inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I requested XXXX benefits to be applied to my account. I am XXXX in XXXX. I included the statutes from Louisiana, XXXX XXXX, and proof of XXXX XXXX status. And was denied benefits adjustments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian out of the blue dropped my credit rating XXXX points over " routine maintenance " headings. They have no explanations for or calculations of available. This should be repaired.

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 2023-12-11 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: World Omni Financial Corp.
State: NC

Complaint narrative:
Purchased a XXXX XXXX XXXX from XXXX XXXX Toyota, XXXX, NC on XX/XX/XXXXXXXX XXXX The vehicle and warranty was paid in full for the amount of {$37000.00}. Southeast Toyota Finance XXXX, AL XXXX continues to send repeated statements and make harassing phone calls about payments. Southeast was told directly that I did not owe anything on the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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 no knowledge of this account listed as XXXXXXXX XXXX XXXX XXXX. I requested information on account ownership from both the credit bureaus directly and received no response. The credit bureaus simply told me they verified the information but never provided me with that information directly when I requested it. I need a signed loan contract or agreement showing I own this account.

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 2023-12-11 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: GA

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

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 2023-12-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MD

Complaint narrative:
I received a billing statement on XX/XX/XXXX that stated {$49.00} was due on XX/XX/XXXX ( Loan XXXX ). Loans XXXX and XXXX were not on the statement. I received an auto debit notification on XX/XX/XXXX that stated {$200.00} will be withdrawn on XX/XX/XXXX. A MOHELA representative later clarified that billing statements are only sent for loans that are not on auto debit ; however, it was incredibly confusing when my auto debit notification for Loans XXXX and XXXX stated the required payment and due date are to be determined. 

I scheduled a manual payment of {$49.00} to be withdrawn on XX/XX/XXXX while XXXX XXXX was in the process of being added to auto debit. The payment was for the remaining XX/XX/XXXX balance that was not paid via auto debit ( {$200.00} ). A total of {$240.00} was paid XX/XX/XXXX, which is the exact cost of my monthly payments for all three loans. 

I logged in to my account on XX/XX/XXXX to review upcoming payments and discovered XXXX XXXX was delinquent with an outstanding payment of {$39.00}. The scheduled payment was distributed across XXXX loans, but the payment site did not indicate this would happen. I was not notified that my loan was XXXX ( XXXX ) days delinquent due to a " missed payment. '' Furthermore, why would MOHELA allow a payment to be split if it would put a loan into delinquency? MOHELA states instructions for " special payments '' will not be followed if it causes a loan to be delinquent. The " special payment '' instructions also state MOHELA will attempt to contact borrowers if there is a missed payment or delinquent loan. I understand scheduled payments are not " special payments, '' but it does not make sense to not follow the same process. 

I spoke with a MOHELA representative on XX/XX/XXXX and was informed the payment could be consolidated and retroactively applied only to XXXX XXXX. I was advised this would remove delinquent remarks from my account and that I would receive confirmation of this update. My account does not reflect these updates, nor have I received confirmation of the application sent to consolidate the payment. 

The customer service representatives I spoke to were helpful, but the overall service from MOHELA is abysmal. Billing information is not clear and seems to be incomplete ; however, MOHELA 's failure to contact me regarding my delinquency or missed payments is most concerning. I received confirmation that my scheduled payment and auto debit payments posted, but nothing regarding the status of my loan. Delinquency can be devastating for borrowers, even if it is due to a mistake on the loaner 's end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: NV

Complaint narrative:
On XX/XX/23 I called XXXX and the representative XXXX instructed me on how to access my credit report online. 
After accessing my credit report I saw some inaccurate information. I saw that an unbeknownst company name Mohela on my credit report. On top of that I noticed that this company was reporting that I owe {$60000.00} ; upon further review I noticed that the amount payment monthly is reporting XXXX dollars. How can I owe a company {$60000.00} in balance, but nothing monthly? Thats an oxymoron. After making the representative aware of the inaccuracy, he proceeded to tell me that the item needed to be disputed. However, under federal law, if a company is reporting an accurate information XXXX can be monetarily liable for this violation to consumer rights. Also, upon viewing my credit report, I noticed that XXXX is reporting late payments. Under federal law, a credit account can not be associated as being late. I asked the representative if he is familiar with consumer law and the fines for violating those laws, and he continued to tell me that the account is under dispute already, and can not be further disputed. I will be looking for monetary compensation for the time that my credit profile has been compromised. I have already report to ftc.gov as fraudulent use of my credit report. These credit accounts and the Credit reporting agencies have violated consumer rights in a way that damaged my reputation and credit score for over a number of two years. Loss of Privacy : Violations of consumer privacy, such as the unauthorized data collection, breaches of use of personal information for purposes of deceptive practices. Time and Effort : The time and effort required to resolve issues related to consumer rights violations was a significant inconvenience and injury to the consumer. Opportunity Costs : I the consumer missed out on better deals and opportunities due to unfair practices

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation