vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-07 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
My wife and I were on celebrating our anniversary in the XXXX, VA area ( XXXX XXXX ) when we were introduced to XXXX XXXX. We attended a presentation and committed to a XXXX XXXXXXXX XXXX XXXX XXXX. In which, due to life happening ( before and after Covid ) we never was able to utilize the facility. Fast forward, XXXX years later ( XXXX ) we finally booked a stay in XXXX. While celebrating another anniversary, we entered into what we thought would be an update session but turned out to be another presentation. XXXX to XXXX hours later, we exit the pressure tank! We had signed contracts that appeared later that we couldn't had read. That was the first red flag... Here 's the second flag! We had a free week vacation that needed to be used by XX/XX/XXXX. My son was getting married in XX/XX/XXXX so as a wedding gift I figured that would be a great honeymoon sendoff. Long story short, turns out that free week ended up costing me {$1700.00} not including airfare!! Something was wrong and I began looking at these contracts. These folks had done a number on us. Quiet Deed for {$10.00} .... WHAT IN THE WORLD HAS THESE PEOPLE DONE was my thoughts! I stopped making payments and starting seeking legal counsel. I wrote a detailed complaint in XX/XX/XXXX. XXXX XXXX XXXX is reporting differently on each of the credit bureaus!! XXXX is reporting that is a Travel Card / Entertainment {$3200.00} while XXXX is reporting as Miscellaneous {$33000.00} and Experian is reporting as Mortgage Company. They should be straight forward with consumers and stop setting traps. Now they do everything they can do to try ruin the consumer when they have been discovered! 

Here 's the problem, I feel that XXXX XXXX XXXX is misleading consumers as well as these credit bureaus!

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 2024-05-07 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Inquiries XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-07 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: FL

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-05-07 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 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 2024-05-07 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2024-05-07 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
See all of the letters I have attached

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 2024-05-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
XXXX I deposited by payroll check via Citizens Access Mobile app. The check was for {$1200.00} XXXX I got a notice from Citizens Access that the check is on hold until XX/XX/year>. I called their customer service and they said there was nothing they could do and they would put in a case ( gave me case # XXXX ) They claim the " hold is due to paying bank XXXX XXXXXXXX XXXX  ) indicates the check may not pay '' We went to an XXXX branch and they said they did not tell Citizens Access the check would not pay and they already cleared it on XXXX in the XXXX 

XXXX I called Citizens Access again and told them XXXX cleared the check and Citizens Access said it is still on hold and there was nothing they can do. I spoke to XXXX ( a floor supervisor ) and she was very rude saying there's nothing they can do. 

XXXX Citizens Access called me to say the check is still on hold as they believe it still may not pay. I told them it cleared XXXX and she said there was nothing they can do. When I said I was going to close the account when they finally release MY money, she giggled at me and said " I don't blame you ''. My employer called XXXX and they supplied a report to show that they did pay out the check for {$1200.00} but there was nothing more they could do to help. 

I feel Citizens Access basically stole my money as there is no way, in XXXX, they need to hold a business payroll check for 2 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: AL

Complaint narrative:
I had a title loan with titlemax in 2018 the interest was extremely high that I couldn't pay for my rent or food. I was already low income My Dad was XXXX I feel like the interest Robbed me out of my vehicle. The interest was over XXXX but my car was worth XXXX at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have noticed that I have had hard inquires on my consumer report that does not belong to me. as well as Bank account listed by the following companies XXXX XXXX XXXX XXXXit Per 15 USC 1681 please remove the following accounts below.

XXXX XXXX XXXX ( open ) XXXX XXXX Balance {$23000.00} care credit ( open ) XXXX XXXX  It has impacted me deeply and has hurtled me. The consumer report agencies have validated the consumer laws that was passed by congress. Collections 15 US. Code 1692c and Hard inquires 15 US.code 1602p All must be removed. I am also opting out of all secondary bureaus holding any negative information must come off reported by XXXX, XXXX, XXXX This consumer law gives me the authority to tell the information that I wish to be requested to be deleted on my consumer report. 




And it must happen within 4 business days. Due to me filing my FCT Report. This law states that if you file a police report through the FCT, it must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: FL

Complaint narrative:
I have noticed that I have had hard inquires on my consumer report that does not belong to me. as well as Bank account listed by the following companies XXXX XXXX, XXXX XXXX Per 15 USC 1681 please remove the following accounts below. 
XXXX XXXX  Account ( open ) XXXX XXXX XXXX {$23000.00} XXXX XXXX ( open ) XX/XX/XXXX XXXX It has impacted me deeply and has hurtled me. The consumer report agencies have validated the consumer laws that was passed by congress. Collections 15 US. Code 1692c and Hard inquires 15 US.code 1602p All must be removed. I am also opting out of all secondary bureaus holding any negative information must come off reported by XXXX, XXXX, Equifax This consumer law gives me the authority to tell the information that I wish to be requested to be deleted on my consumer report. 




And it must happen within XXXX business days. Due to me filing my XXXX Report. This law states that if you file a police report through the XXXX, it must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 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: CA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. There are XXXX accounts on my report from Dept. of EdXXXX that are paid in full and closed. One is account number XXXX. This account was opened on XX/XX/XXXX and closed on XX/XX/XXXX with a highest balance of {$3500.00}. The other is account number XXXX. This account was opened on XX/XX/XXXX and closed on XX/XX/XXXX with a highest balance of {$500.00}. Both of these accounts were closed due to transfer. I demand these accounts be removed from my credit report immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account is under Alitigation the balance is incorrect & i need it close & also remove from my credit reportin accordance with the Fair Credit Reporting act XXXX AccountXXXX 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 - enterthe account number in the blankcopy paste

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 2024-05-07 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear XXXX, XX/XX/XXXX I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : XXXX XXXX  Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$2700.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$2600.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$210.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX Open account with account # XXXX opened on XX/XX/XXXX and a balance of {$170.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
Inquiry from XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX on XX/XX/XXXX. 








Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, XX/XX/XXXX I am writing to dispute the following information that appears on my Equifax report from XX/XX/XXXX : XXXX XXXX, XXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX  Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$2700.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$92.00}. The original creditor is XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
Attempted to lease an apartment with a community and never moved into unit due to crime the day of move in. Manager allowed me to move with no penalty but i was later hit a year later with a collection on my credit report. I have requested for the company to validate the debt but have gotten no response for 90 days. per 15 USC 1681 I have no knowledge of this creditor and have not given them permission to report my information and they have furnished no documentation proving the validity of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: CA

Complaint narrative:
MOHELA has over-charged my bank account by {$49.00} via the auto-pay feature on XX/XX/2024. This charge did not show up on my MOHELA account but it was recorded on my banking account. This type of issue needs to be corrected immediately and is not acceptable given the fact that MOHELA manages millions of student loan accounts. If this issue happened once I'm sure it has happened to others I called a representative on XXXX XXXXXX/XX/2024 at XXXX AM to address the issue. They told me to send an email and upload the proof but their email system doesn't allow me to upload documents with emails. I uploaded the file via the my documents feature on their website which isn't connected to the email page. When they responded to my email on XX/XX/2024, they sent me a auto generated response that claimed the issue had already been resolved. The issue was not resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
When I checked my credit report, a list of lenders was presented as " outstanding approval odds '' The message read as follows through XXXX XXXX  : " You have Outstanding Approval Odds for {$32000.00} Many members use loans to pay off debt, which often helps their score '' I thought this was my opportunity to pay off a few small debts I have, and stay with one small monthly payment, so I was confident that it was going to be a smooth transaction process. Therefore, the company that I felt familiarized with was One Main Financial ; so, I requested a loan of only {$4500.00} from them. Unfortunately, the process took various days ( approximately XXXX days ) ; representatives would constantly call me to request documents, such as check stubs, student loan screen shots of my balance, payment status, etc., which I immediately submitted. Then, today, I received their last call, and I was notified that unfortunately I do not qualify for the requested loan due to my " outstanding '' student loans ( which I am not paying back yet, and I am XXXX XXXX XXXX XXXX  ). According to them, even if I was " pre-approved '' I am now disqualified for the requested loan, and this has now created a new dent on my credit line due to being a hard inquiry. Where are the good news at being " pre-approved '' for a personal loan? Being pre-approved made me believe I just needed to present basic documents, sign, date and bam ( either a deposit or a check to cash or deposit ). I strongly believe customers are being misled with One Main Financial via XXXX XXXX. I have a job of XXXX years, I possess a XXXX XXXX XXXX, I am still a XXXX trying to pursue my XXXX XXXX XXXX, plus I make my payments on time, which is reflected on my credit report as XXXX % on time. However, these individuals are lying, and causing for people to lower their self-esteem, waste their time, lower their credit score, among other emerging issues related to misled information and broken promises. I would like to submit this complaint since I am sure I am not their only victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: IL

Complaint narrative:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and 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