vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SUN LOAN COMPANY INC.
State: MO

Complaint narrative:
I was assaulted and Discriminated against when I went into refinance my loan. On Friday XX/XX/year> I went into Sun Loan Company in XXXX Missouri to refinance my loan and I was greeted by XXXX XXXX who gripped my hand very tight once she realized who I was. She told me that if she was going to refinance my loan that I needed to make my payments on time because she's tired of chasing me down. She then proceeded to tell me that I only came into the office because " you just want the money ''. She then stated that, that's why she called me into the office to humiliate me, which is what she did the entire time. I told XXXX the customer is always right and can she chill out, she then told me that I needed to chill out, she is talking so loud that her other coworkers are now listening in by the way. I told her that my husband is a Pastor and that there is a certain way that you talk to people, XXXX told me that she know who my husband is and since I'm a Pastor 's wife I need to be making sure my payments are made on time. I told her she should have asked me what's been going on in these past 2 years that has caused me to get behind instead of yelling at me, I told her I had XXXX kids ( my 7 month old was in the office with me ) in the past 2 years. She then continued to yell at me about how I didn't call the office and let them know about me having children, I told her she is being very disrespectful and rude, she kept her same nasty tone, and now my hand has been hurting off and on daily. Mentally I am broken. She also contacted a co worker outside of work hours to further discuss me and my personal business. This has to be stalking at some point.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: GA

Complaint narrative:
LVNV/RESURGENT IS ILLEGALLY ATTEMPTING TO COLLECT DEBT WITHOUT A LICENSE TO COLLECT IN THE STATE OF GEORGIA ON ACCOUNT : ( XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: VT

Complaint narrative:
-- XXXX  set up and functional starting in XX/XX/XXXX. 
-- Account accurate, has funds. XXXX  due Sunday XX/XX/XXXX -- not processed as of Tuesday XX/XX/XXXX -- account listed as overdue/delinquent, with automatic payment pending. 
-- Called Mohela Tuesday XX/XX/XXXX, was told this is due to a banking holiday Monday XX/XX/XXXX, pending payment should go through by end of day Tuesday XX/XX/XXXX. 
-- Payment still not processed as of Wednesday XX/XX/XXXX. Account listed as overdue/delinquent. Called Mohela XX/XX/XXXX to inquire why payment for XX/XX/XXXX still did not go through as of XX/XX/XXXX -- told that the payments can take 3 or more business days to post (??? ). 

This is not how XXXX  works, and is incredibly misleading financially on so many levels. An auto payment for a Sunday should not need until the following Friday to process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: IL

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off 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 2024-02-21 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:
XXXX XXXX XXXX XXXX XXXXXXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX XXXX XXXX XXXX  is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EQUIFAX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
it has been over 30 days and creditors has not updated the information nor has provided proof of late payment. they have not supplied this information and they must delete it off alleged my credit report under federal law they had 30 days to complete the investigation and by failing to do so the item must be deleted from the report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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:
Subject : Formal Request for Investigation and Removal of Unauthorized Inquiries from Credit Report Dear Consumer Financial Protection Bureau, I trust this letter finds you well. My name is XXXX, and I am writing to bring to your attention a concerning matter regarding unauthorized inquiries on my personal credit report, in violation of consumer protection laws.

The specific issues are related to the following consumer protection laws : Fair Credit Reporting Act ( FCRA ) - Section 1681b ( f ) : I have recently discovered unauthorized inquiries on my personal credit report. According to FCRA Section 1681b ( f ), a consumer reporting agency may not furnish a consumer report for employment purposes unless the consumer has given written consent. The inquiries in question were made without my explicit consent, and I am concerned about the potential negative impact on my creditworthiness.

Fair Credit Reporting Act ( FCRA ) - Section 611 ( a ) ( 3 ) ( A ) : FCRA Section 611 ( a ) ( 3 ) ( A ) grants consumers the right to dispute inaccuracies on their credit reports. Given that these inquiries were made without proper authorization, I am exercising my right to dispute them and seek their removal from my credit report.

I kindly request the Consumer Financial Protection Bureau 's intervention to investigate this matter thoroughly and ensure the prompt removal of these unauthorized inquiries from my credit report. Enclosed with this letter, please find supporting documentation highlighting the unauthorized nature of these inquiries.

Your swift attention to this matter is essential in preserving the accuracy and integrity of my credit report. I appreciate your dedication to upholding consumer rights and fair credit reporting practices. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: IL

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: FISERV FINXACT CORE
State: PA

Complaint narrative:
I was provided a prepaid card from Money network for short term disibility from the XXXX XXXX XXXX XXXX XXXXXXXX. I was out of work due to a XXXX XXXX. I received my card and within a XXXX XXXX weeks, my card was hacked and {$5900.00} was removed overnight. This occurred on XX/XX/XXXX at XXXXXXXX XXXX  There was an unknown personal account number that it was transferred to. The card never left my possession and was in a safe place. This event was noticed by me on XX/XX/XXXX XXXX. I immediately contacted Money Network and filed a dispute. They closed my dispute on XX/XX/XXXX saying that I had transferred the funds and closed the dispute. I filed an appeal which I was told could take 30-45 days. This company will not replace the funds to my account and I am now out almost {$6000.00} which was to pay my bills which have accumulated fro the hospital stay I had of 2 weeks. The XXXX XXXX XXXX XXXXXXXX is saying there is nothing they can do as well as my employer. The claim number provided to me is XXXX. Acct # XXXXXXXX XXXX XXXXXX/XX/27 My name is XXXX XXXX, last XXXX digits of SS # are XXXX. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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:
I am writing to complaint to EQUIFAX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and my name is XXXX XXXX. My birthdate is XX/XX/1966. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 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: IL

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

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 2024-02-21 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: IL

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
About XXXX XXXX, I received an email from Citizens Bank congratulating me on opening an account at that bank. I DID NOT open an account with Citizens Bank. Another email informed me that funds to establish the account at Citizens would be transferred from a XXXX XXXX  account. I DO NOT HAVE a XXXX  account. I called the local Citizens branch and spoke with someone there who assured me the account information would be purged. I received a subsequent email telling me the new Citizens account could not be funded. ( Obviously since I do not have a XXXX account from which funds were to be transferred! ) About XXXX XXXX, XXXX, I received a credit card from Citizens with a credit limit of {$9000.00}. I DID NOT apply for a Citizens credit card. Again, I called Citizens. The credit card account was subsequently closed, according to a letter I received from Citizens. 
I fear there may be more of these fraudulent assaults on my financial status.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient did get me back some of the overpayment of my private loans garnished from XXXX and XXXX, but based on my calculations, I still was overcharged by at least $ XXXX. I was garnished for over 2 months with fees and some of this was not calculated into my refund amount from Navient. I contacted XXXX and XXXX XXXX named XXXX XXXX who basically responded " Matter is closed '' and I contacted Navient who said basically the same thing. They did, to their credit, refund me a check for $ XXXX and another for {$300.00} or so, but this did not take into account other private account fees, poundage fees and discharged accounts I should have been credited with. Originally, I had over {$12000.00} taken over the amount showing I owed on Navients website which means my $ XXXX calculation may be even lower than I calculated. I am not sure how they determine the fees, added fees and interest, but I know I have more money coming back. Some of this was also miscalculated loans discharged based on my XXXX score at the time it was originated and Navient has not taken into consideration the fact that XXXX XXXXXXXX was the one used as the basis and therefore I met the requirements, as XXXX XXXX as well as income level was far under the bar set.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: IL

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: IL

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

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 2024-02-21 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: NC

Complaint narrative:
XXXXXXXX XXXX  account appeared I never lived at that address and had no such services there please remove 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 non-monetary relief
Consumer complaint received 2024-02-21 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: CL Holdings LLC
State: MI

Complaint narrative:
I received an alert from several credit monitoring services that a new collection account was placed on my consumer credit reports from Jefferson Capital System. Jefferson Capital Systems has never contacted me about this debt that was listed on my consumer credit report, nor did I give them consent or authorization to access my credit reports from any credit reporting agency. According to 1692g. sec 809 ( a ) of the ( FDCPA ) Fair Debt Collection Practices Act. A debt collector within five days after initial communication with the consumer in connection with the collection of any debt shall send the consumer a written notice containing 1. The amount of the debt. 2. The name of the creditor to whom the debt is owed. 3. A statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof. Jefferson Capital System never sent this notice. Nor showed any permissible purpose to be listed on my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-02-21 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: GA

Complaint narrative:
LVNV/RESURGENT IS ILLEGALLY ATTEMPTING TO COLLECT DEBT WITHOUT A LICENSE TO COLLECT IN THE STATE OF GEORGIA ON ACCOUNT : ( XXXX XXXX ACCOUNT XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: Global Consulting Agency LLC
State: GA

Complaint narrative:
GLOBAL CONSULTING AGENCY IS ILLEGALLY ATTEMPTING TO COLLECT DEBT WITHOUT A LICENSE TO COLLECT IN THE STATE OF GEORGIA ON ACCOUNT : ( XXXX XXXX ACCOUNT XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: 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. 

Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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  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