vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-07 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:
i looked over my report back in XXXX, and noticed some things are incomplete and not accurate. i sent a letter to XXXX on XXXX and asked them to investigate the completeness and accuracy of my report. i received the results and noticed they did not fix anything. they are breaking federal law According to 15 USC 1681e ( b ) it states this ( B ) accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the consumer/individual about whom the report relates. 

According to 15 USC 1681i ( 5 ) it states this ( 5 ) treatment of inaccurate or unverifiable information ( a ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information has been modified or deleted from the file of the consumer.

According to 15USC 1681s-2 it states this. ( A ) reporting information with actual knowledge of errors 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. 
( B ) reporting information after notice and confirmation of errors a person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact inaccurate. 

This is unfair. If they are doing this to me imagine who else they are doing this too. 
Can you please fix this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: CORELOGIC INC
State: MA

Complaint narrative:
I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copy of my CoreLogic Credco consumer credit report sent to me via mail.

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 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Advanced Resolution Services Inc.
State: MA

Complaint narrative:
I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copyof my ARS consumer credit report sent to me via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I mailed in several certified documents to Experian regarding an inaccurate bankruptcy showing on my credit report, the informed me that the gathered the information from XXXX XXXX which in NOT TRUE. I have documentation form XXXX XXXX showing that they DO NOT HAVE A BANKRUPTCY FOR ME IN THEIR SYSTEM.

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 2024-01-07 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: AL

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my 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 non-monetary relief
Consumer complaint received 2024-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: OLD NATIONAL BANCORP
State: IL

Complaint narrative:
I went in to Old National Bank in XXXX Illinois on XXXX  XX/XX/24 around XXXX XXXX  to make a deposit. I deposited cash and a check drawn on ONB ( Old National Bank ). I later noticed that only the cash I deposited was available. I verified the Deposit Disclosure from ONB and they state that funds from a check drawn on ONB are available same day. I reached out for a correction. I left XXXX voicemails with the XXXX branch at XXXXXXXX XXXX XXXX and at XXXX XXXX  ish. I also reached out to ONB Client Services at XXXX XXXX  for assistance. The representative attempted to reach out to the XXXX branch and was also unsuccessful. She left an email for the branch manager. I never heard a response from the branch and my funds remained unavailable until the next day, which is not correct according to the Deposit Disclosures.

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 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Portfolio Recovery Associates, LLC
State: DC

Complaint narrative:
I have an open collection account reported on XX/XX/2024 for PORTFOLIO XXXX. I tried to obtain the information the party who reported it to credit. Upon accessing the online account PORTFOLIO it says XXXX XXXX Account Number XXXX XXXXXXXX Your account information can not be viewed online at this time. 
Please call XXXX, XXXX at XXXX. 

After speaking with XXXX and creating an online account my information isnt available. My question is doesnt this means the open collection reported on my credit is inaccurate? 

12 CFR Appendix E to Part 1022 - Appendix E to Part XXXX Guidelines Concerning the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
The company is reporting that the original amount was {$750.00} and that was not possible. The original account amount was {$13.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
upon viewing my credit report i notice that capital one has reported to my credit file that i was 30 days late on my payments in the months of XXXX and XXXX this information is inaccurate and incomplete and is in violation of the ( FAIR CREDIT REPORTING ACT ) 15 U.S.C 168I the reason this information is inaccurate and incomplete is becuase during the reported months of the alleged late payments i was not legally obligated to make any minimum payments, due to fact that there were unauthorized charges on my credit card that caused a balance, in which capital one applied credits to my account that reduced my enitre balance to XXXX XXXX at this point my monthly statement reflected that no minimum payments were due and in good faith capital one conducted and investigation regarding those claims and granted in my favor, there is no suggestion that i went an entire thirtys days late without making a payment, this information is false and misleading and inaccurate and has effected my financial reputation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 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: NJ

Complaint narrative:
The following addresses are not associated with me, and should be removed from all three credit reports. I informed all three credit bureaus to correct this, but it still shows on my 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 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
Wakefield called and I told them I don't owe anything and they need to contact my injury  lawyer XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I recently applied for a credit line increase for my Capital One account ending in XXXX and was told that my account was ineligible. This is inaccurate as the entire consumer transaction is predicated on my own credit which I am merely seeking to access a portion of. The denial of my application is a false and misleading denial of my own credit pursuant to : 15 U.S. Code 1611- Criminal liability for willful and knowing violation Capital One states that : 1. My capital one account is too new 2. This account was recently past due 3. One or more of my capital one account was recently pass due 4. the amount of revolving balances ( s ) relative to the total credit limit reported to us by the reporting agency These reason for denial of the credit increase is not in accordance with the FTC XXXX CFR, and the FCRA as they are predicated upon willful and erroneous data to cause me denial and financial injuries

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
The vehicle was sold and they still continue to report it on my credit report when they already collected the full amount and are making a false representation of an alleged debt that does not exist. Also the amounts in the different credit agencies are different, some say they finance one amount and the other says another. that's fraud. 

15 USC 1681 ( a ) ( 1 ) Truth In Lending Disclorures. I have the right to see the division of said credit transaction. Regulation Z, Regulation M After having sold the property and paying off the alleged debt, they continue to report it on my credit reports as if it is a real debt, making a false representation. 


Account info Account name XXXX XXXX XXXX Account number XXXX Account type Auto Lease Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$35.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance {$9200.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$26000.00} Highest balance

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 2024-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have notified the concerned authorities multiple times about fraudulent activity on my account. However, they have acknowledged receiving my complaint but have failed to take any action against it. To make matters worse, they have now reported the fraudulent account and balance on my credit report, which is not associated with me in any way. 

Despite my repeated attempts to contact them via phone and email, the XXXX department has not responded to me and has not taken any action to investigate the matter. They have also violated the credit dispute rules and regulations related to identity theft and dispute processes. 

This is a serious matter, and I strongly feel that the account and balance should be removed from my name immediately.ft and dispute processes. 

This is a serious matter, and I strongly feel that the account and balance should be removed from my name immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have contacted Experian multiple times regarding an inaccurate bankruptcy that is showing on my credit report, I have asked them to please remove the inaccurate information, they replied back and said that it was verified with XXXX XXXX which IS NOT TRUE. I AM ATTACHING DOCUMENTATION FORM XXXX XXXX SHOWING TAHT THEY DO NOT AHVE A BANKRUPTCY SHOWING IN THEIR SYSTEMS.

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 2024-01-07 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: Chime Financial Inc
State: NC

Complaint narrative:
XX/XX/XXXX and XX/XX/XXXX {$110.00} each date I disputed this charge stating that the name was incorrect as well as XXXX separate cards XXXX which the company didnt have access to and the XXXX card was unauthorized as I never utilized their services or authorized business with them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Red White and Blue Autos, Inc.
State: PA

Complaint narrative:
On or about XX/XX/XXXX red white and blue auto in XXXX pa took my XXXX  for supposedly taking gps out of vehicle. On XX/XX/XXXXXXXX  I received a letter from. Rwb stating they took my car due to break of contract. In XX/XX/XXXX they reported it to credit report they repo my XXXX  for being 30 days late in XXXX when I was not even in possession of the vehicle in XXXX they repo it in the beginning of XXXX I disputed it multiple times threw credit burrow and now they reported no data for XXXX and they repo it on XX/XX/XXXX. My car was picked up on XX/XX/XXXX I have multiple witnesses and text and emails with rwb that correspond with it being picked up the beginning of XXXX including text saying they took it due to me supposedly taking gps out so how can I be 30 days late in XXXX and car be repo in XXXX when they repo it in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ADP Inc.
State: TX

Complaint narrative:
On XX/XX/30 I visited a local pharmacy in an attempt to withdrawl XXXX dollars from my account. The ATM retained my transaction, meaning it took the money back because I took too long to physically grab it. ( What I assume to be a security feature of some sort ) I'd received a phone call at the time I was standing in front of the machine and didn't grab it on time. 

This is all reflected on the statement. There is an ACH prenote on my account statement the moment the machine took my XXXX dollars back, for an amount of {$0.00} immediately following my withdrawal of {$200.00}. 

I've contacted my financial institution only to be given the run around and given no information as to the whereabouts of my dispute or any idea when I'll get my money back. I don't understand why this process is taking so long, given the fact I was on camera and all of this information is reflected in my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Chime Financial Inc
State: DC

Complaint narrative:
The Chime banking app sent me an email with information for how to finish setting up an account with them that I never authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: TX

Complaint narrative:
Per code 15 USC 1681 b & 15 USC 1681s-2 You Must follow the law as it has been put in place to protect the consumer which I am. Honor my request this has been my third attempt Ive lost thousands of dollars paid high interest rates aggravating headaches stress and loss time this is my last attempt if this isnt COMPLETED AS SUCH I WILL MOVE TO LITIGATION!!!

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 2024-01-07 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: DC

Complaint narrative:
upon viewing my equifax report i notice that there is an account appearing from XXXX XXXX XXXX XXXX listing me as an authorize user on my credit report .this information is inaccurate and appears to be fraud and id theft. as i have never gave any one permission to add me to a credit card as an authorize user this information is in violation of the fair credit reporting act 15 U.S.C 168i and incomplete

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 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: NY

Complaint narrative:
I am a class member of the XXXXXXXX XXXX XXXXXXXX settlement. My student loans are in process of being discharged. Under the settlement agreement class members are to remain in Administrative Forbearance till the loans are discharged. 

DOE has sent me emails and letters to Mohela on at least 2 occasions to keep me, as well as other class members, on admin forbearance. Mohela now going on the third time has removed and put me into repayment. They in fact put me into repayment again on XX/XX/XXXX with a due date of XX/XX/XXXX. Not only is this a violation of the settlement, but servicers are required to provide 21 days to even bill- which this in violation of on both accounts. 

Ok all occasions Ive had to call Mohela and talk to customer service who lack all knowledge and state DOE sent letter to take me off. Never have they provided me this letter, and when I reach out to DOE they state thats not true and Im to remain on forebearance till discharge - DOE have sent 2 letters to Mohela stating to put me back in. Im tired of fighting with these idiots at this point. 

Mohela had done this to others in the lawsuit as well. Mohela had already been fined {$7.00} million for improperly billing and also putting people in repayment that should not be. They are again doing the same thing. 

At this point, if not resolved for me, and other class members, we will seek a class action lawsuit against Mohela and DOE in violation of XXXX XXXX XXXXXXXX settlement- I suggest Mohela out me into Admin Forbearance immediately before it costs a lot of money to your company for violation of a federal class action lawsuit. 

If this isnt rectified I will contact an attorney and led a class action against Mohela for violations of a settlement agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copyof my XXXX XXXX consumer credit report sent to me via mail.

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 2024-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ARS National Services, Inc.
State: VA

Complaint narrative:
On XX/XX/23, ARS National Services contacted me by mail, expressing I owe a debt to XXXX. At the bottom of the written notice, it says " Note : See reverse side for important information. '' The reverse side of the notice is blank, except " We are required under certain federal, state, and local laws to notify consumers of certain rights. This list does not contain a complete list of the rights for consumers under federal, state or local laws. '' Under that statement, it says " XXXX XXXX XXXX XXXXXXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS
State: MA

Complaint narrative:
I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copyof my LexisNexis consumer credit report sent to me via mail.

Company response to consumer: Closed with explanation