vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
On XX/XX/2023 I opened a line of credit with Net Credit. My first initial cash advance was for {$2500.00}. Only {$2200.00} of that was deposited as of XX/XX/2023. This represents a 10 % margin on the loan. The unfair aspect of this is that the {$250.00} fee is also added to your cash advance and charged interest. 
The disclosures for the total APR were not provided in a transparent or standard way consistent with the CARD Act or similar legislation. The company uses fairly complicated and possibly deceptive disclosures to hide how high the APR is for this product. Additionally, it appears finance charges are charged for cash advance fees. IE, they bill you not only for the fee, but interest on the fees itself. The disclosures are opaque and do not seem to provide a transparent understanding of the fee structure. Had I had known the APR would be so astronomically high, I would have never borrowed from these folks. Even competitors like XXXX offer similar products for substantially lower APRs. 
Moreover, they use 2 billing cycles in the same month to repay this loan. For one half month period, at a cash advance balance of {$3900.00} ( which includes fees they charged ), they charge {$200.00}. For one month, that's {$400.00}, close to 10 %. That would be an effective APR of 120 %. This is never disclosed clearly in their disclosures. Had I understood this earlier, I would have never borrowed from this company. These seem like violations of UDAAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX had in error added late charges to my account, when my account was zero balance and closed. They would not correct it. So, I filed a complaint with the New York State Department of Finance. Once New York State got involved, the balance was immediately adjusted to zero. But, XXXX continues to report to the credit bureau that I was late in paying for 3 months, while I was disputing the charges. They agreed with me when New York State got involved and made the balance as zero. But, why are they refusing to remove the 3 month delinquency when the charges were wrong and I did not owe them.

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 2023-09-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
I contacted the current loan servicer Mohela after my loan was transferred from XXXX in XXXX. I contacted the new servicer to make sure payment would be made to the correct account. During the course of the conversation I was told a different payment amount would be assigned. The told me the change was due to the payment program changing from ( for which I applied and was enrolled in REPAY ) REPAY and switched to SAVE. My payment would be significantly higher than the amount previously assigned it was going to change from {$280.00} ( more or less ) to {$620.00}. At that point I complained to the customer service representative. They said that they would readjust the amount to the original amount of {$280.00}. I asked them to put it in writing and send me something to confirm this. They said they would. I never received anything XX/XX/2023. The correspondence I received told me that my payment was not processed by my bank so I needed to correct the bank account information and submit payment. When I logged into the account the amount. The payment amount was over {$4000.00}. The new amount was extremely discrepant, and I can not afford that amount. I am trying to straighten this situation out but Mohela is not giving me the correct amounts based on the programs I am enrolled in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: AL

Complaint narrative:
I the consumer comes with clean hands and good faith, I received a letter from Convergent Outsourcing , Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) The company has two different accounts numbers on this tept to collect a debt notice, Amount said I owe XXXX dollars.Stating they are a debt collector, Trying to collect a debt from me i owe XXXX XXXX, I've never heard of this company until now, I have heard of XXXX XXXX and paid XXXX XXXX  and XXXX XXXX for many long years without consciously knowing, I a natural living person was volunteering paying a bill/debt that was already prepaid according to UCC-9-307 ) location of the debtor also ( 18 USC-8 ) 31-USC 3123 ) states the United States government pledged to pay debts, therefore the consumer can discharge/offset debt and it doesn't have to be paid in legal tender see 31 USC 5118 ) There is no Lawful money, only dept notes therefore I can't pay debt with a debt. I, the consumer didn't give any debt collector permission of a court of competent 15-USC 1692- A-P ) THEREFORE I ask the dept collector mention above closed this debt in good standing with a positive balances on all three credit reporting agencies and any other credit reporting agencies, UCC 3-605 ) It's unlawful to demand payments. Banking act 1933.

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 2023-09-10 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: GA

Complaint narrative:
Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2023 Amount : {$20000.00} The above listed account has been disputed previously through the cfpb. Upon checking my reports over again on this day XX/XX/2023 I discovered that this account has not been marked as disputed in the comment section. My quality of life mode of living and reputation has been damaged as a result of this, causing me emotional and financial damage. My rights have been violated by your company under the below applicable laws and provisions. Cease and desist immediately in the reporting of this account. 

1692-1692p 807. False or misleading representations ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

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 2023-09-10 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: NY

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-09-10 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-09-10 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: KY

Complaint narrative:
I recently discovered that one of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10 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: GA

Complaint narrative:
Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2023 Amount : {$20000.00} The above listed account has been disputed previously through the cfpb. Upon checking my reports over again on this day XX/XX/2023 I discovered that this account has not been marked as disputed in the comment section. My quality of life mode of living and reputation has been damaged as a result of this, causing me emotional and financial damage. My rights have been violated by your company under the below applicable laws and provisions. Cease and desist immediately in the reporting of this account. 

1692-1692p 807. False or misleading representations ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
my identity was stolen and used to open several credit cards

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
National Credit Adjusters is a debt buyer Collection company that is reporting a negative debt acct that I am not responsible for to XXXX and XXXX consumer reporting agencies. I am not liable for this debt with the original creditor XXXX XXXX XXXX and XXXX XXXX XXXX which was charged off due to last payment made XXXX XXXX. That charge off account was dropped from my consumer credit reports several months ago, due to the timeframe of the last payment being 7 years ago per FCRA. NCA is violating my consumer rights by reporting this negative account to my consumer credit reports despite of the FCRA rules related to statues of limitations of reporting collection debt aligned with original creditors factual reported last payment received by the consumer and the Californias statute of limitations legally collecting for a credit card debt is 4 years of last payment received. National Credit Adjusters is reporting this collection account as OPEN status since XXXX, despite of the charge off account with the original creditor was either in XXXX, due to the last payment was XX/XX/XXXX made to the original creditor. NCA did not report to XXXX and XXXX for the month of XXXX due to my dispute directly with XXXX and XXXX, but NCA did start back reporting on XX/XX/XXXX to XXXX. Also NCA is improperly reporting this negative account to XXXX on XX/XX/XXXX as a NEW OPEN collection activity account with a 120 days late delinquency, but no history reported data showing the months with or without payments, credit report shows open date as XX/XX/XXXX, when in fact the account was previously reported as closed prior to XX/XX/XXXX re-reported information. I never signed an agreement with NCA validating this debt or provided authorization to NCA to report to my consumer credit reports as well as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 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: NC

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-09-10 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-09-10 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — Frequent or repeated messages
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I filed a complaint with cfpb about Allys action. The next step as retaliation from Ally was to still attack my credit score.This company has been paid in full Im not sure why Im still having issues with this company Please help me remove this company off my credit report please this is a complete nightmare. Please help me! My credit score is being lowered for no reason.

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 2023-09-10 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I reached out to this company XXXX several times over the course of the past 6 months trying to explain to them that this is not my account. I told them I filed proper documentation for the fraud complaint. I explained to them that my information & also my phone was lost while I was in the hospital following major XXXX. I expressed to them that I am a veteran who believes in their honor & I have maintained great credibility & credit scores now this fraudulent activity that occurred is ruining my not only my reputation but my credit & my family life. I have proof from another company that fraudulent account was opened & they reviewed information & closed the account. XXXX keeps sending me letters saying its me when its not in their most recent letter they included a number in the statement that I have never used or had not to mention Im not even sure whats a ( XXXX ) area code. This is really starting to get frustrating & Im dealing with health issues & mental health issues because of this.

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 2023-09-10 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: IN

Complaint narrative:
I reached out to this company XXXX several times over the course of the past 6 months trying to explain to them that this is not my account. I told them I filed proper documentation for the fraud complaint. I explained to them that my information & also my phone was lost while I was in the XXXX following major XXXX. I expressed to them that I am a veteran who believes in their honor & I have maintained great credibility & credit scores now this fraudulent activity that occurred is ruining my not only my reputation but my credit & my family life. I have proof from another company that fraudulent account was opened & they reviewed information & closed the account. XXXX keeps sending me letters saying its me when its not in their most recent letter they included a number in the statement that I have never used or had not to mention Im not even sure whats a ( XXXX ) area code. This is really starting to get frustrating & Im dealing with health issues & mental health issues because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX NAVY FEDERAL CR UNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 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: IL

Complaint narrative:
There was an unauthorized Credit check on my SSN from 2 different Banks on XX/XX/2023. I checked XXXX XXXX and XXXX and I do see those inquries on my report. I have not made any of those inquries or made any applications with those banks. Can you please help me fix this. Here are the details : 1. XXXX Report : Both XXXX and XXXX XXXX has made an inquiry on my SSN which are unauthorized 2. Transunion : XXXX XXXX has made an inquiry on my SSN which is unauthorized 3. XXXX : XXXX XXXX has made an inquiry on my SSN which is unauthorized Can you please remove these inquries from my report. I am working on freezing my SSN so no more unauthorized inquries are made on my account. 

I received a letter from XXXX stating my application for nwe CCard was rejected ( Attached in the document ). I called XXXX XXXX and looks like there are no account linked with my SSN, so must have been rejected as well.

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