vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-29 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: TX

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: CA

Complaint narrative:
Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written or unwritten, verbal or nonverbal per 15 USC 1682.

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 2024-01-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CashRepublic Holdings, Inc.
State: TX

Complaint narrative:
Omni Financial of Nevada has continued to avoid my concerns. My account shows C/O of XXXX but amount owed XXXX. 

Again, not only did I purchase debt cancellation with the original loan which shouldve took care of this debt but, and mainly, had it not- the balance should still only be XXXX. 

Ive never been provided right to dispute, payment plan option, nor a monthly statement outlining interest as required by FDCPA and FCRA.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: AZ

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.

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 2024-01-29 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: TX

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I am distressed and disappointed by the situation in my credit report. It is not only highly embarrassing but evident that either you or the company is at fault for reporting this inaccurate information. Kindly remove any late payment notations and update the status to " paid now '' or " as agreed. ''

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 2024-01-29 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: TX

Complaint narrative:
On XX/XX/2024, I made a payment to Mohela for my student loans. I paid the required {$230.00} and received confirmation on XX/XX/2024. They pulled the {$230.00} out of my bank account on XX/XX/2024. The money has not been applied to my account on Mohela for some reason, even though I no longer have the money in my bank account. I called Mohela on XX/XX/2024 to see what the issue was. They said that they were able to see that there was payment made, however, it was not applied to my account and they were unsure why. They said this payment wasn't showing up as a pending payment and that they weren't sure what was going on. They said they were going to review my account, however, I have not heard anything back from them yet about what is going on. This is an issue I would like to have addressed to avoid any negative consequences that could come. Mohela and the US Department of Education are already emailing me saying I am delinquent, however I am certainly not because the payment was made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: OR

Complaint narrative:
I created a XXXX account to utilize a mobile hotspot XXXX. Once I closed the account I attempted to return the mobile device. I brought to the store where I opened the account and they refused to receive the device. I was in communication with XXXX and they said to bring to a second store and they refused as well. After I was told to mail back through XXXX. I was sent a XXXX label and dropped the device off at my local XXXX store. I was contacted again by XXXX saying that I owed them for the device that I had returned to XXXX  I attempted to explain to XXXX that the device had already been returned and they opened up an internal inquiry ( request number available upon request ) and that I would be called back. A number of weeks past with no communication and I reached out to XXXX again and the person I spoke with could not find the previous record and a second request was submitted ( request number available upon request ) and was told I would be contacted. I was not contacted again until I was notified that the bill had been sent to collections. XXXX has either lost the device or XXXX missplaced it upon receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX RE : Late Payment ( s ) I received a copy of my credit report and I have found the following items listed below to be in error.

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I NEVER gave XXXX, EQUIFAX and XXXX any written instructions to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and XXXX  due to the abusive and unfair practices. 

XXXX, EQUIFAX and XXXX should be ashamed for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! 

These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED : XXXX XXXX, Account Number : XXXX I was never late on XXXX, XXXX, nor XXXX on this account please update the account as Paid/Current. 

XXXX, Account Number : XXXX I was never late on XXXX on this account please update the account as Paid/Current. 

XXXX XXXX XXXX, Account Number : XXXX I was never late on XXXX, XXXX, XXXX, nor XX/XX/year> on this account please update the account as Paid/Current. 

By the provisions of the fair Credit reporting Act, I demand these items be investigated and removed from my report and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. 
It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report reflecting the requested changes. 
Best Regards, XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserve

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 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: IN

Complaint narrative:
im Writing t consumer reporting agencies ( XXXX XXXX, Equifax ) of a formal complaint against XXXX XXXXXXXX XXXX I've included the Cfpb case number XXXX and a copy of my opt out letter I am writing to file a formal complaint against XXXX XXXX XXXX  regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing, and I believe my privacy rights have been violated. 
On XX/XX/year>, I notified XXXX XXXX XXXX that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services.

I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution. 
Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that XXXX XXXX XXXX has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 
This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud, or other financial harm. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX XXXX XXXX complies with all federal regulations and laws, including the GLBA, to protect the privacy and information security of consumers like me. 
Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed by XXXX XXXX XXXX 
Please feel free to contact me at if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my privacy rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I contacted Equifax to ask why I could not thaw/freeze my security freeze on their website. I have been told the problem is a technical one. I WANT TO BE ABLE TO THAW/FREEZE MY SECURITY FREEZE ON THEIR WEBSITE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: CL Holdings LLC
State: LA

Complaint narrative:
I received a letter informing me that Effective XX/XX/XXXX XXXX XXXX sold my Account Balance ( Overdraft Protection line of credit ) to Jefferson Capital Systems , LLC. 
This letter instructed me to login to web portal ( XXXX ) to make payment. Balance of {$3600.00} on statement dated XX/XX/XXXX. Balance of {$880.00} on statement dated XX/XX/XXXX - Payment Due Date XX/XX/XXXX. I logged in XX/XX/XXXX and scheduled payment XX/XX/XXXX in amount of {$880.00}. This payment appears on my bank statement XX/XX/XXXX. I received statement with amount {$19.00} due XX/XX/XXXX. I called company and requested fee be removed from account. They declined to do so. I did not ask for explanation because in my opinion there is no reasonable explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Federal law mandates that inaccurate information and late payments on open end credit accounts are excluded consumer files. XXXX and EXPERIAN ( account # XXXX ) are in violation of FCRA 1666b ( a ) by furnishing inaccurate late payments on dates of XX/XX/year>, XX/XX/year>, XX/XX/year> & XX/XX/year>. They are also inaccurate due to my XXXX XXXXXXXX XXXX  app Payment history which confirms two ( 2 ) payments for the months of XX/XX/year> & XX/XX/year>. Also my account was suspended, closed and a new credit card issued after theft of my backpack containing my credit cards, phone and tablet on XX/XX/year>. XXXX XXXX Police Department Item # 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 explanation
Consumer complaint received 2024-01-29 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: AZ

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
This situation is not only highly embarrassing but also indicates that either you or the company is accountable for reporting this inaccurate information. Kindly remove any late payment notations and update the status to " paid now '' or " as agreed. '' I consistently make timely payments on these accounts, and I earnestly seek your assistance in resolving this matter.

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 2024-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: MI

Complaint narrative:
XX/XX/XXXX ; Amount of {$310.00} to XXXX XXXX was frauduantly debited to my Key Bank account.I originally reported the charge on XX/XX/XXXX. I I was given a provisional credit of {$310.00} and was instructed to allow approx 10 days for investigation, but that it could take 90 days. Never received any correspondence either email or regular mail regarding the dispute and /or the reason for the denial. Although I have suspicisouly received all other correspondence as it relates to my checking account. I followed back up with Key Bank on the day it was charged back to my account-XXXX XXXX. Was originally adivised this was for a room reservation, which I didn't have. I confirmed that with the XXXX XXXX directly that they showed no reservation in my name. I carried my debit card for Emergency use only as I have had my card hacked more than a few time with Key Bank. The only response I was given from Customer Service was " conflicting information '' with the specific details. I then asked for a dispute to be reopened which never happened, until I called them a second time to find the status of the dispute ( that was never reopened by Key Bank as requested ). I then spoke with ANOTHER Key Bank Rep regarding the dispute and it was stated a dispute was not opened at this point, but that he would open a new dispute, but that I would be required to send an email to the dispute center which I also did on XX/XX/XXXX ( which to this date has not been responded to either ). This was when I requested to speak with a manager and was FINALLY forwarded to someone in the Executive Office that I was sure was going to have this resolved. On XX/XX/XXXX I received a call from XXXX from that office that advised I would receiving a call within 48 hrs from a caseworker that would be assigned to my case. on XX/XX/XXXX I received a call from XXXX who stated that she was following up with the original caseworker and she would review it and I could expect to hear back from her either that afternoon or no later than the next day XX/XX/XXXX. On XX/XX/XXXX I still had not heard back from her and called the Executive office again and was told she was busy, but she would return my call. I called everyday following and told the same thing-she was busy, but she would call me back. FINALLY, on Friday very late afternoon-she called back and stated she still had no information and the case was still being reviewed and that it could take another 90days to review as it was filed as a new dispute instead of the original dispute which was never resolved. This is reprehensible that a long time customer should have to go through something like this to get their money rightfully refunded and the cyberthief, or whomever took the money from my account just walks away.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

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 2024-01-29 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: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
I am wanting these inquiries to be deleted because I didn't authorize these companies to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: CT

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief