vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-01 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a Consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : 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 demand the removal of these incorrect names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. I demand the removal of these incorrect addresses : 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, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I demand the removal of these incorrect phone numbers : ( 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 2024-05-01 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: MD

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 non-monetary relief
Consumer complaint received 2024-05-01 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: LA

Complaint narrative:
I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of 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 explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I took out a car loan from ally auto They said I can refinance the car loan Now they saying I have to pay mor interest then the car is worth Iam low income XXXX And loss income I cant afford to pay XXXX a month for a car that XXXX XXXX value is XXXX And interst left is XXXX dollars this is unethical to do to a 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 2024-05-01 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: IL

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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: MI

Complaint narrative:
i recently checked my credit report and i see hard inquiries for credit that i did not authorize. 
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 XXXXXX/XX/24 I have included police reports because these are unauthorized and illegal. delete these from my 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 2024-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: River Heights Capital LLC
State: NJ

Complaint narrative:
I have been sued by this third-party collection agent, UNIFUND CCR PARTNERS . I have Legal Hold on 2 different Bank account, in the amount of {$1700.00}, same amount on both Bank accounts. I learned about this only through my Banks. The judgement DOCKET NO. XXXX. XXXX XXXX XXXX and XXXX XXXX. this information is same for the second Bank. this company alleged that I owed this debt over 16 years ago and they obtained a judgement at an adddess XXXX XXXX XXXX XXXXI temporary lived at this address over 16 years ago. Is never correct that a got any kind of notification from them about this alleged debt which allegedly was in 2007. It's not tru that I owe any debt they are claiming. I feel like this is an false and that they are trying to collect debt I do not owe or no anything about. Hope they check their records and refund the amount taken from my account in both Banks that they have Legal hold. I am not sure if this is an honest mistake or deliberate to charge both my Bank account. Please remove these HOLD on my account. I do not owe this debt and my credit report do not have such claim

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: LAKEVIEW LOAN SERVICING, LLC
State: OH

Complaint narrative:
Closing date was XX/XX/2022. 
What was not disclosed at closing was the Note-Promissory note that I signed paid for the house, then moments later after signing Mortgage that I conveyed the paid in full house back to the XXXX XXXX XXXX None of the information above was disclosed to me about what just took place. 
This is mortgage which they the lender are having make payments to them on a loan I never received plus the house was paid in full because the Note was monetized deposited into an account which it was accepted for value to pay the seller. 
I have done research on this for several months now.

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 2024-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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.

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 2024-05-01 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: MD

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.

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 2024-05-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
On XX/XX/XXXX the Biden Administration announced that all federal student loans from the XXXX XXXX XXXX XXXX XXXX XXXX would be forgiven, due to the unjust and unethical practices of those colleges. I am a confirmed recipient of that forgiveness. I believe that it is ethical that my private student loans through Navient are also dissolved. 

I was told that I could not finish my degree without taking out these private student loans, and I could not afford to not finish the degree. I was also promised a job in the industry making more than enough to pay the loans. However, XXXX over saturated the market and a majority of graduates did not get jobs that could cover their loans. 

I currently have {$47000.00} in private student loans for that same degree. I attended XXXX XXXX XXXX XXXX XXXX from summer of XXXX through winter of XXXX. I have been making as many payments as I can on these loans since XXXX, and my balance has reduced by maybe XXXX. That is 14 years of payments in excess of $ XXXX, and they have barely reduced. 

It is unethical and problematic that my APR is 13.5 %, and I have not been approved for refinancing. It is morally bankrupt that they continue to charge me for a loan for a school that has been deemed unethical by the US government. I am a public school teacher who has been serving this country for 10 years, and do not deserve to be treated this way. 

My accounts are as follows : **** Signature Loan {$13000.00} balance 13.5 % APR **** Signature Loan {$22000.00} balance % XXXX APR

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
On XX/XX/XXXX I was offered and accepted an XXXX XXXX credit card, through Commenity bank, and make a purchase of walking shoes for {$63.00}. 

My recollection is that the first statement I received was the XXXX statement, which closed XX/XX/XXXX. It showed a late fee. XXXX, I do see a XXXX statement, but I do not recall receiving it. That statement closed on XX/XX/XXXX, and I wonder if my purchase and account did not get to community in time for the mailing. 

What I do know for sure is that upon receiving the XXXX statement, with the late fee, I did pay that on XX/XX/XXXX. According to my bank records, Commenity did not post that to my account, via XXXX, until XX/XX/XXXX. XXXX was due on XX/XX/XXXX, so they posted another late fee. 

On XX/XX/XXXX I wrote Commenity requesting that they close my account, noted that I had received another bill that did not have the payment posted, but instead had another late fee. I asked them to remove the late fee. 

I did subsequently receive a letter stating that my account had been closed, but no mention was made of the late fee. So on XX/XX/XXXX I wrote another letter, including a copy of my check, and asked them again to refund the account. On XXXX, I received a letter denying my request. On XX/XX/XXXX I wrote yet another letter, and received a response on XX/XX/XXXX advising that I call as soon as possible so that we XXXX resolve your inquiry. On XX/XX/XXXX I did call, was advised that I should mail my checks at least 10 days prior to due date ; and that since my account was closed they couldnt do anything. 

My check was in fact sent more than 10 days prior to the due date, and yet didnt clear until 16 days after the due date. And even though I had disputed my account, they continued to assess additional late fees and minimum interest payments. To put an end to that cycle, I did go ahead and pay the additional late fees, then received yet another bill with a minimum interest charge of {$2.00}. So I paid that, knowing that if I didnt there would be yet another late fee. 

To date, I have paid {$170.00} for my XXXX purchase. I had heard complaints about Commenity before. Now I have experienced it first hand. This certainly seems to be a great example of predatory lending. 

By the way, if you check my credit rating you will see that I pay my bills on time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-01 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: LA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/2023 I paid XXXX to XXXX XXXX using XXXX, and charging to the American Express CC ending in XXXX On XX/XX/2023 XXXX XXXX cancels the order, and refunds the order. XXXX delays the refund, and the Consumer files a chargeback with American Express. American Express refunds the amount, and the following day XXXX refunds pending amount too. American Express then reverses the refund they issued, on XX/XX/2023. On XX/XX/XXXX XXXX receives the chargeback request from American Express, and refunds again, while accepting the chargeback request. American Express receives the second refund, and kept the money, by never crediting the Consumer Credit Card, nor returning the second refund to XXXX. XXXX then charges the Consumer 's XXXX Account leaving a negative balance for the same amount, and starts collection efforts with XXXX, and by themselves. The consumer has notified American Express several times about the fact, but American Express has not been solving the problems with XXXX, and has been retaining the second refund causing legal expenses by Consumer, while fighting XXXX XXXX XXXX is declaring in writing about these XXXX deposits to American Express, and Amex has retained the second one, after XXXX accepted the chargeback, and charged the XXXX cash account from the consumer. American Express has caused me to incur in legal expenses for more than XXXX to prepare lawsuits and answer the XXXX and XXXX. XXXX XXXX has neglected by phone to talk to XXXX, and has neither credited the credit card nor refunded to XXXX the second refund transferred. I demand the retained payment and the payment for the legal expenses which are growing and will be more if I have to take them to court. The files show how they never credited the card the second time. And reversed previously the deposit. Now the consumer has to pay XXXX, and American Express is keeping funds from the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have removed this from XXXX and XXXX, I was told by outside agencies that TransUnion has been facing fraud issues, the collection agencies : XXXX XXXX XXXX date XX/XX/XXXX, XXXX XXXX XXXX date XX/XX/XXXX, XXXX XXXX XXXX date XX/XX/XXXX do not have my written consent to have my information, this violates 15 U.S. Code 1692f - Unfair practices, 15 U.S. Code Subchapter V - DEBT COLLECTION PRACTICES, 15 U.S. Code 1692 - Congressional findings and declaration of purpose, 15 U.S. Code 1692j - Furnishing certain deceptive forms, 15 USC 1681b : Permissible purposes of consumer reports From Title 15-COMMERCE AND TRADE CHAPTER 40-DEPARTMENT OF COMMERCE SUBCHAPTER III-CREDIT REPORTING AGENCIES , 15 U.S.C . 1635 Right to Rescind. Each violation is worth 1,000.00 according to State Law. Please remove

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 2024-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This consumer reporting agency is in clear violation of the law. I obtained a copy of my TransUnion Report and noticed the following data furnished that I found to be inaccurate and incomplete as per 15USC 1681i ( 5 ). The information included in my dispute notice sent ( PLEASE SEE THE ATTACHMENT INCLUDED BELOW ) on ( XX/XX/24 ) was furnished without written authorization from me or permissible purpose pursuant to 15USC1681 ( B ). This agency is also in violation of 15USC1681 ( b ) ( a ) ( 3 ) ( f ) ( i ) for allowing the following person ( s ) included in my notice sent ( PLEASE SEE THE ATTACHMENT INCLUDED BELOW ) to obtain my TransUnion Report without my written authorization and permissible purpose under the FCRA and its guidelines which is a direct result of IDENTITY THEFT pursuant to 18USC1028 ( A ). According to 15USC 1681 ( b ) c ) Furnishing Reports in connection with credit or insurance transactions that are not initiated by the consumer ( 3 ) Information regarding inquires ; It this consumer reporting agencys obligation as a consumer reporting agency to ensure MAXIMUM ACCURACY of my report pursuant to 15USC1681 ( e ). This information included in my notice sent must be promptly removed from my consumer report according to 15USC 1681a ( 5 ).

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 2024-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
My information showed up on the dark web. According to my credit report. It shows my old address with an old email address, also shows that I opened the same new credit account twice.

Company response to consumer: Closed with explanation