vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-03 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX XXXX  Account Number -- XXXX -- Opened -- XX/XX/XXXX I never had late payments XXXX -- Account Number -- XXXX -- Opened -- XX/XX/XXXX I never had late payments XXXX XXXX XXXX XXXX Account Number -- XXXX -- Opened -- XX/XX/XXXX This is not accurate.please remove this inaccuracy from my report. 

XXXX  -- Account Number -- XXXX -- Opened -- XX/XX/XXXX Is not mine, please remove. 

XXXX -- Account Number -- XXXX -- Opened -- XX/XX/XXXX Is not mine, please remove. 

XXXX XXXX -- Account Number -- Account Number -- XXXX -- Opened -- XX/XX/XXXX This account has incorrect information. 

inquiries, these inquiries were not authorize, please remove. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect. 
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 2023-11-03 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: SC

Complaint narrative:
I didnt authorize company view or access credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: MD

Complaint narrative:
My monthly installments are due on the XXXX of each month. Due to unforeseen financial crisis, I have not been able to reach the payment on that date, however able to make the payments the following pay period. I requested to change my due date but was told I wasn't able to. Due to my financial situation I am able to make the monthly payments towards the principal loan, unfortunately this incurs late fees, which I am unable to pay in addition to the principal at this time. 

One Main Financial continues to call my personal cell during work hours at least five times a day from several anonymous phone numbers : 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 I've requested them to please stop calling during work hours threatening to confiscate my vehicle.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under XXXXXXXX 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, in accordance with the FCRA inquiries are not a matter of fact, you are obligated to verify the information or not reported to your users. Please prove that the creditors has my signature requesting these unauthorized inquiries, or if this is impossible, or unverifiable remove them immediately. Per FCRA 15 U.S.C. 1681 section 602A states I have the right to privacy. 15 U.S.C. 1681 section 604A section 2 states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
I have unsubscribed many times to stop the emails, but they continue to send them, almost daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Open Accounts : XXXX XXXX XXXX XXXX Closed Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
UN-AUTHORIZED INQUIRIES AND ACCOUNTS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
UN-AUTHORIZED INQUIRIES AND ACCOUNTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: WLCC
State: GA

Complaint narrative:
Received an email at XXXX, thanking me for my application. Received an email at XXXX, account ready to finalize. Received phone call at XXXX, they left a voice mail asking for me to call them back to finalize the loan. I returned the call at XXXX stating that I did not request the loan and to remove it. They replied, okay so you're not interested? I said, No, I never applied for this and please put some kind of alert on my account that there was fraud here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: FL

Complaint narrative:
I did not authorize any of these inquiries, delete it 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not authorize any of these inquiries, delete it 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
My conventional home loan with the previous loan company XXXX XXXX  transferred to Mr Cooper at the end of XXXX. By then, I had already paid my monthly amount of {$1700.00} for the XX/XX/XXXX deadline to XXXX XXXX ( and an additional {$250.00} principal payment ). See screenshots with the previous loan company attached. However, Mr Cooper took over the loan XX/XX/XXXX and still has not reconciled for the missing {$1900.00}. I have paid for XXXX mortgage twice now, as well as XXXX 's payment, as I wait for the amount from XXXX XXXX  to reflect with my mortgage with Mr Cooper. 

I have attached my three emails to Mr Cooper 's ResearchIncoming Email account, which their chat associate directed me to use. Mr Cooper said the amount of approx. XXXX XXXXXXXX would be reconciled by XXXX and I have heard nothing back from them. They have currently disabled their Chat feature on the website and I sent them a XXXX XXXX  asking for help, to which they gave no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA

Complaint narrative:
I made a payment against my Marcus card by Goldman Sachs in XXXX. As it didn't show up I made additional payments to pay off the full balance and made inquiries on both sides. XXXXXXXX XXXX showed my payment being cashed by GS on XX/XX/XXXX, but at no time did it show up against my account. I contacted GS repeatedly, and on each occasion GS told me they could not see my payment. 

I escalated, after several attempts, and eventually ( today ) my payment showed up. 
GM credited me an additional {$1.00} It seems there should be some cost to the bank to discourage the practice of misappropriating customer payments, and stonewalling requests to escalate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I have had my Macy 's store card for several years now. Overall I have made payments on time. I may have been late 3-4 times but to cut my limit down without notice when I had to order a new card without warming is unprofessional. They did not reach out nor send notice. I went to make my monthly payment and noticed on this card the limit was cut. This is the second time this has happened. I notice that my counterparts have been late making payments in their accounts and have similar credit issues but their limits were not cut or reduced. When the limit is cut upon making payments this effects the interest rate as well as the utilization score for my overall credit. I don't appreciate the way my account has been handled and feel discrimated against as well as my civil rights violated. Treatment within credit cards should be the same across the board. Not based on where I live or other financial demographics when I am making timely payments not past a 30 day late period or even a past a 7 day period. 

I will provide card statements via email upon further communication should the company refuse to do so. Due to the secure nature I'd have log out to download the statements and upload. I am unable to do that as I submit this complaint currently. 

I've had issues with CitiBank before. When my Citi XXXX preferred secured card account expired the company gave me a {$200.00} credit card limit. I paid on time but when the card when up for expiration the company said I requested my account to be closed and I did not. When I spoke with an agent the company said I did not meet the criteria to renew my account. I never received notice prior to my account closing nor an email. I'll follow-up with another report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: PR

Complaint narrative:
I have some accounts that were previously disputed for fraud they are not mine and they continue to appear, I expect them to be investigated and removed from my credit report and the independent investigation and update to my credit report sent to me. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 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: PR

Complaint narrative:
I have some accounts that were previously disputed for fraud they are not mine and they continue to appear, I expect them to be investigated and removed from my credit report and the independent investigation and update to my credit report sent to me. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
First Point Resources contacted me concerning a medical debt from XXXX XXXX XXXX. My visit to XXXX XXXX ended because of XXXX XXXX XXXX  forcing me to drive 2 hours to another medical facility to recieve care. I have disputed this account on 20 different occasions. The provider is attempting to use a Collection Agency to extort money I do not owe. Further more the collection agency is attempting to bill me for another patients care XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: VA

Complaint narrative:
I applied for an Income Driven Repayment plan in XXXX on XXXX, the site ran by the Education Department and which transmits the applications to borrowers assigned servicers. My servicer is Nelnet. I was approved on studentaid.gov for the new SAVE plan, which subsidizes any difference between your monthly payment, as determined by the borrowers IDR plan, and the monthly accrued interest ( in the event that the interest is greater than the payment ). 

Nelnet has failed to approve my application. No one at the company can tell me when it will be approved. No one Ive talked to, after having to wait on hold for hours every time, seems to know ANYTHING about when this might start getting fixed. 

Meanwhile, interest started accruing again in XXXX. So far I have accumulated about {$2000.00} in interest. I AM UNABLE TO MAKE A PAYMENT ON THE SAVE PLAN BECAUSE NELNET HAS FAILED TO PROCESS MY APPLICATION, MEANING NONE OF MY INTEREST IS BEING SUBSIDIZED. Moreover, Nelnet put me on an administrative forbearanceDURING WHICH INTEREST STILL ACCRUESwithout my asking. So I have no payment due, meaning no payment to chalk up towards my interest, the difference between which is supposed to be being subsidized. 

So, Nelnet is effectively holding me over a barrel while I rack up interest because of their incompetence. I am financially bleeding profusely and its all Nelnets fault. 

Their actions are illegal and I will be suing if this isnt resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
On the XXXX XXXX XXXX I received two invidious letters from the law office of Pressler, Felt and Warshaw, LLP, XXXX XXXX  ; on behalf of two debt collection agencies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The letters purport that I owe some unspecified and unsubstantiated debts, and that a wage garnishment order has been exigently executed and sent to my current employer. 

Let me unequivocally state that I do not recognize these fictitious and mendacious accounts, neither do I intend to make any payments therein. Succinctly, I will pay XXXX dollars! I refuse to be inveigled, inculpated or browbeaten into accepting any pecuniary responsibility or obligation, concerning the debts. 

Furthermore, the letters did not specify any dollar amounts owed, nor have any appurtenant evidence linking me to these debts. Be apprised that I am requesting a debt validation notice on these accounts, and will also be contacting the office of the NJ Attorney General.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: National Credit Systems,Inc.
State: IN

Complaint narrative:
The charges on this account i am not legally responsible for. Per the original contract with the original creditor, westway garden apartments. I opted not to renew my lease when my lease ended, provided forwarding address which is still my current address for over 6 years now. XXXXXXXX XXXX  never sent me a copy of the final walk thru or an invoice with a breakdown of charges or fees which were to be provided within 30 days or they were to return my deposit. Ive requested this information several times to no avail. Due to them failing to provide me with this per the terms of my lease contract i am not legally responsible for the collection. I dont have the slightest idea of what these charges are for. I finished out the entirety of my lease. I did not default on the contract, XXXX XXXX XXXX violated the terms of the contract. I know my rights and my credit has suffered for over 5 years because XXXX and XXXX wont remove it from my credit report. XXXX has actually removed it from my report but XXXX and XXXX refuse to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Unable to obtain my free TransUnion annual credit report unable to file disputes as well

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation