vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-10 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: NY

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX  XXXX  # XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX. Account Name : XXXX  XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXXXXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 2024-02-10 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: Synovus Bank
State: PA

Complaint narrative:
These two companies have shared inaccurate and unauthorized information to 3rd parties with no consent from the creditor which is very illegal, tarnishing the image and reputation of another without consent will harm other potential business relationships

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
These two companies have shared inaccurate and unauthorized information to 3rd parties with no consent from the creditor which is very illegal, tarnishing the image and reputation of another without consent will harm other potential business relationships

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX Delivered Transunion failed to completed investigation of dispute that was opened and was set to be completed by XX/XX/year>. Just 6 days prior to the 30 days investigation window, Transunion made the dispute disappear as if it never exists, with no communication. 
For identification, a notarized and signed document, a state Drivers license, a social security card, and a utility bill was provided. 

Dispute letter delivered XX/XX/year> Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXXXXXX XXXX Direct disputes. 

( e ) Duty of furnisher after receiving a direct dispute notice. After receiving a dispute notice from a consumer pursuant to paragraphs ( c ) and ( d ) of this section, the furnisher must : ( 1 ) Conduct a reasonable investigation with respect to the disputed information ; ( 2 ) Review all relevant information provided by the consumer with the dispute notice ; ( 3 ) Complete its investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( 4 ) If the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the furnisher provided inaccurate information of that determination and provide to the consumer reporting agency any correction to that information that is necessary to make the information provided by the furnisher accurate.

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 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XX/XX/2024 I sent out a letter to Experian about inaccurate and incomplete information on my credit report.i asked to see original documents from those companies with my signature on it to verify the accounts or delete them 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 2024-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: CA

Complaint narrative:
I had my card stolen on XXXX. I noticed on the evening of XXXX that there was {$2300.00} in stolen money from my bank account. The bank has not returned the money to my account and has made it hard to contact them. They dont have a customer service line where I can call to disputes these transactions. Below is a list of all the transactions that were fraudulent : Total amount : {$2300.00} 1. XXXX XXXX {$100.00} 1. pending 2. XXXX {$290.00} 1. pending 3. XXXX XXXX {$330.00} 1. pending 4. XXXX XXXXXXXX {$100.00} disputed XXXX. XXXX {$57.00} 1. pending 6. XXXX {$110.00} 1. pending 7. XXXX XXXX {$30.00} disputed XXXX XXXX XXXXXXXX {$10.00} disputed XXXX. XXXX XXXX XXXX XXXX$250.00} disputed XXXX. XXXX XXXX$250.00} disputed XXXXXXXX XXXX XXXX {$50.00} disputed XXXX. XXXX XXXX  {$55.00} disputed XXXX. XXXXXXXX XXXX  {$1.00} disputed XXXX. XXXX {$10.00} disputed XXXX. XXXX XXXX  {$210.00} disputed XXXX. XXXX XXXX XXXX  {$220.00} disputed XXXX. XXXX XXXX {$50.00} disputed XXXX. XXXX XXXX {$67.00} disputed XXXX. XXXX {$22.00} disputed XXXX. XXXX XXXX disputed XXXX. XXXX XXXX XXXX XXXX  {$11.00} disputed XXXX. XXXX XXXX XXXX XXXX {$60.00} disputed XXXX. XXXX XXXX {$25.00} disputed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
In XX/XX/2023 I was involved in a car accident that resulted in my car being totaled out. At that time, I still owed a few XXXX on the car my insurance company XXXX  declared my car a total loss and I received a payout for the vehicle. During that time, they contacted my lean hold to pay the remainder balance and sent then the check still month later the balance has not been applied to my remaining loan amount but the check they sent to Santander Comsumer was shown cashed. I got the remainder balance in a check with no problems at all as well. Me and my insurance rep even did a 3way call with Santander trying to figure out why it's taking them so long when the check was cashed, and they blamed it on the accounting saying it could take a few weeks. The check was sent out to them XX/XX/2023, and was shown cashed around XX/XX/XXXX or XXXX if I'm not mistaken according to my insurance rep. Still all this time later the money has not been applied to the car balance and every time I call them, I get smart mouthed customer service and they give me the run around when I know for sure they received the check, and I don't want this hurting my credit because they aren't taking it seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
On XX/XX/year> I sent out a letter to Equifax about inaccurate and incomplete information on my credit report.i asked to see original documents from those companies with my signature on it to verify the accounts or delete them immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I purchased an online ticket with XXXX in the amount of {$960.00} ( travel date was XX/XX/year> ) and paid by Payal, i have cancelled my flight 48 hours before and as per attached fare conditions, there will be a penalty of {$170.00} because i cancelled more than 24 hours before the travel date, so my refund should be = {$780.00} since then i am in a problem with both XXXX and PayPal, i have tried to contact XXXX asking about the refund ( by calls, emails and their refund online form ) and no answers by emails and no proper response by phone, all they said we are not responsible for refunds, and they dont have an answer for me So i have opened a claim with PayPal XXXX case # XXXX XXXX XXXX ID : XXXX ) and I provided all the documentation stated that i am entitled for refund in the amount of {$780.00}, their first response to my dispute that they are offering me {$700.00} as a resolution offered by XXXX, i replied that the amount is not correct, as per the documents i provided i am entitled for {$780.00} After this they denied my case, I called again to appeal the car and how come they offered me a less amount and when i refused it, they close it immediately Again they have reopened it and after few days, they refuse it for the second time Again for the third and last time, i called explaining everything again and asked to reopen the case again even if i will receive only {$700.00} which is not the correct amount but at least better than nothing, again and for the third time, they left me few days, then deny the case again I dont know what is going on, i asked them what Egyptair is replying to them so they close the case and they refused to tell me what is their answer Now XXXX is ripping me off and PayPal is helping them by closing my claim for 3 times I need investigation for what is going on between PayPal and XXXX, why are they refusing to give my money back although they accept it in the first place

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I applied for the SAVE plan which requires my tax return for consideration. I have sent my most recent tax return ( XXXX ) to them 3 times. Once with the initial application submitted on the fed website. Once in the doc center per nelnets instructions. Once via email per nelnets instructions. I am still getting emails saying send us the current or previous tax years return. 

I called nelnet to say I have sent this in and what is going on and was told your current tax return isnt current enough we want your W2. 

After going back and forth with nelnet asking for an explanation of why they are not acknowledging that I have sent in my current tax return per their instructions I disconnected the call. 

I am trying to apply for and be out in the SAVE plan because my balance has gone up despite me having made every single payment on time since I entered repayment in XXXX. I believe my servicer is trying to discourage me from taking advantage of this program by refusing to properly review the information I have sent in.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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: TX

Complaint narrative:
I have pulled my credit report and noticed that there are inaccuracies regarding the information that Experian is allowing to be reported. I have sent several letters regarding these issues, but the company has not responded to my request. My credit report also has not been updated.

First of all, they are reporting incorrect personal information for me. My name, mailing address, last four of my social, phone number, and employer are all incorrect and need to be updated immediately. 

There is also other information that is being reported against me, and I have asked Experian multiple times to update/correct this information and they have failed to do so.

The following accounts are being reported as late and should not be due to the Covid-19 C.A.R.E.S. which provided student loan forbearance during the pandemic. The following accounts are reporting late payments between XX/XX/XXXX and XX/XX/XXXX : US Dept EDXXXX These two accounts are negatively impacting my credit score, and should not be reported as late due to the federal law that was passed providing relief for student loan payments during the pandemic.

Also, there is a closed account for XXXX in the amount of {$530.00}. I have asked for over a year for this account to be validated and Experian has failed to do so time and time again. If this is a valid account, then there should be no problem with Experian providing proper documentation to show me that this should be reported. I do not recall this account, and I need proof that it should be showing up on my credit report, otherwise it needs to be removed. 

Also, Experian currently is not providing me with up to date credit reporting. I contacted them about a week ago to check on the status of my personal information updates, I was told that my profile would be updated, but my report is still not current and when I try to pull a report I am being informed that it is not available.

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 2024-02-10 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: 21ST MORTGAGE CORP.
State: MI

Complaint narrative:
Mortgage was bought by another company and the title still has original lender on it and not new mortgage company out of state no tags are on mobile home and they refuse to get title with their name said they don't have to do they avoid the title transfer and tags charge both my name and the original lenders name is still on title but I pay them and they say they own the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Transunion Consumer Dispute Center XXXX XXXX XXXX XXXX PA XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to formally dispute information on my credit report in accordance with the provisions outlined in 15 U.S. Code 1681i. I have carefully reviewed my credit report, and I have identified the following inaccuracies : XXXX. XXXX Account # : XXXX Amount : {$13000.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account # : XXXX, XXXX Amount : {$840.00} XXXX XXXX Account # XXXX Amount : {$220.00} XXXX XXXX XXXX Account # : XXXX Amount : {$7600.00} XXXX Account # XXXX Amount : {$0.00} XXXX. XXXX Account # : XXXX Amount : {$810.00} I do not have a contract with this company and I don't owe the debt, please delete immediately. 
I am requesting a thorough investigation into these items, as they are not reported accurately. I have included supporting documents that substantiate my claim, such as Letter, Driver 's License and Social Security Card.

Please ensure that these documents are taken into account during your investigation. 
According to the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), you are required to complete your investigation within 30 days of receiving this letter. I kindly request that you provide a written response, including the results of your investigation and any actions taken, within this timeframe.

If you determine that the information is indeed inaccurate, I ask that you promptly correct my credit report and provide me with a copy of the updated report, as well as to notify all parties who received my credit report in the past six months.

I appreciate your prompt attention to this matter. Please do not hesitate to contact me if you require any further information. 
Sincerely, XXXX 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 2024-02-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
Title 31 USC 3123 Payment of obligations and interest on the public debt. The faith of the United States Government is pledged to pay, in legal tender, principal and interest on the obligations of the Government issued under this chapter.

* lenders have denied their services to me extend my own credit to myself using them as a fiduciary too make the transaction based off my public credit report in violation of 15 U.S. Code 1611 : - Criminal liability for willful and knowing -Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. 
( Pub. L. 90321, title I, 112, XXXX XXXX XXXX  82 Stat. 151 ; Pub. L. 111203, title X, 1100A ( 2 ), XXXX XXXX XXXX, 124 Stat. 2107. ) I would appreciate meeting of the minds and full disclosure, so i can access my account and use the god given creditworthiness as it's intention. Please contact me if you have an issues, i am fully competent to handle any and all business moving forward. 

By : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Credence Resource Management Collection Services is on my XXXX  credit report, while having my account frozen. I canceled my services with att on XX/XX/year> and started making payments in XXXX, XXXX. I am still making payments. Credence Resource Management Collection Services has violated all my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
I have zero knowledge of this debt. They are reporting on my credit report that I opened this debt in XX/XX/2022 and XXXX havent opened anything with XXXX XXXX in my life. I have received zero notification of the validity of this debt and it is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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: NY

Complaint narrative:
I reviewed my credit report and noticed accounts that I did NOT authorized in my credit report and its preventing me from receiving new credit.

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 2024-02-10 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I reviewed my credit report and noticed accounts that I did NOT authorized in my credit report and its preventing me from receiving new credit.

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 2024-02-10 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: MoneyLion Inc.
State: MA

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), My name is XXXX XXXX, and I am reaching out to you as a concerned customer regarding a distressing situation with Moneylion. Despite exhausting other avenues, I find it necessary to bring this matter to your attention in the hope of finding a resolution.

Initially, I received misleading information from one of Moneylion 's customer service agents, assuring me that settling my negative account would lead to its removal from my credit report. Regrettably, this information proved to be inaccurate. However, my frustration deepened upon discovering double accounts on my credit report, despite only opening one. 

XXXX XXXX ( XXXX # XXXX ) confirmed this discrepancy and advised me to dispute it. Unfortunately, the response to my dispute claimed that the information is verified as accurate. 

In addition, I have also emailed Moneylion 's CEO, but he does not seem to care or respond to my emails.

I urgently request the removal of both Moneylion trade lines from my credit report due to the stress, financial loss they caused me, and the fraudulent opening of double accounts under my name. 

Sincerely, XXXX XXXX

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