vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc.
State: NC

Complaint narrative:
XX/XX/XXXX I contacted Moneylion to obtain the total amount that was due on the account.On XX/XX/XXXX I paid that amount, {$540.00}, in full with a debit card. I was told it would take 30-45 days for the information to be updated and reflected properly on my credit bureaus but that I should receive a paid in full letter within 3 business days. On XX/XX/XXXX, I called again as I had not received the paid in full letter but the transaction had cleared by bank. I received the letter in my email same day. Between XX/XX/XXXX and XX/XX/XXXX, I called Moneylion 6 different times in an attempt to get this handled. As of XX/XX/XXXX they are still reporting to all three bureaus that this account is open and has a balance. This information is not accurate. This account has been closed for almost a year. As of XX/XX/XXXX, I have called Moneylion now a total of 7 times, I have disputed the information with all three bureaus NUMEROUS times and I keep getting the same answer. Answer of " it meets the FCRA guidelines. '' Each time, Moneylion tells me to complete a dispute and attach the documentation showing the payment. I complete the dispute, attach the documentation, then nothing happens. I've done this several times now.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Per the FCRA as a federally protected consumer. I am now opting out any and all authorized. I the consumer may have given you ; written, unwritten, verbal and nonverbal per 15 U.S.C 6802b ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

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 2024-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted XXXX, and I urge you to rectify the situation promptly by updating my records accordingly.

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 2024-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
My business PayPal account was hacked the hacker changed my bank to XXXX instead of my long standing XXXX XXXX XXXXXXXX Account. 

I received XXXX from my client and transferred to my bank days later my funds were not available. I we n't in to my XXXX  account and realized my funds were stolen. PayPal has admitted the unauthorized change of banks but still refuses to refund my money. 

I have over a month of detailed notes, photos and fbi forms.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prince Parker & Associates
State: MI

Complaint narrative:
I started service with XXXX XXXX XXXX but was mislead by the selling agent to switch from my at the time carrier to XXXX XXXX XXXX. I was promised so much and got none of the things promised including a less expensive plan than what I had currently had. They had sent me new phones to complete transaction. This forced me to switch back to my old carrier and send them their equipment back. I did and called to follow up to make sure their equipment was delivered. I had sent back by USPS with the following tracking numbers for ( 3 ) phones : 1 ) XXXX XXXX ) XXXX XXXX ) XXXX They were sent back to XXXX XXXX XXXX fulfillment center. According to the representative they had received all equipment XX/XX/XXXX in which they adjusted my amount owed to {$370.00}. But soon after I kept getting billed for the equipment. On XX/XX/XXXX they called and said I had owed {$1800.00}. I called and spoke to a representative on XX/XX/XXXX at XXXX XXXX  and stayed on the phone for 16 minutes trying to get an understanding. They were being rude and obnoxious to me saying that I owed this amount. I finally was able to speak to a manager how looked into my case and seen they received their equipment and made the proper adjustments. They told me to call back in 15 days and this will reflect. So here we are in XXXX of XXXX and this company had sent sold my account to a debt collector by name of XXXX XXXX in Utah. So I called XXXX XXXX XXXX to just on XX/XX/XXXX and let the agent know I was recording and stayed on the phone for over and hour to get them to fix and contact the debt collector of Prince Parker who has been harrassing me for a bill that's not owed.

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 2024-03-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
I received a letter from Credence Resource Management , LLC, indicating an outstanding XXXX XXXX XXXX bill amounting to {$3900.00}. On XX/XX/year>, I disputed this debt by sending a debt validation letter via certified and regular mail to ensure the company received my dispute. The letters were addressed to both the licensed office at XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, and XXXX XXXX XXXX, XXXX, MI XXXX. Despite this, on XX/XX/year>, the debt was reported on my credit without any response to validate it. This action directly contravenes my rights under the Fair Credit Reporting Act, 15 U.S.C. 1681, including but not limited to Defamation, Violation of the Fair Debt Collection Practices Act ( including Sections 807-8 ), and Violation of the Fair Credit Reporting Act ( including Section 623-b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 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:
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 2024-03-27 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: MD

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, and so on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I comprehend that as per FCRA 605B, it's mandatory to eliminate any erroneous accounts from my credit report. Could you kindly review the documents? I've observed discrepancies in several listed accounts, which is worrisome 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 2024-03-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
On XX/XX/2019 I applied for a personal loan from One Main Financial. I was approved for the loan but was told I could not receive the money unless I purchased pet insurance. So I had to purchase the pet insurance then I was given the loan. I was also told that my interest rate was going to be 19 % and I would be able to pay off my loan earlier if I was able to. After I signed the documents they changed my interest rate from 19 % to 24.75 %. I called One Main financial XXXX yrs later to payoff my loan and I was told that I have to pay 2 more years of interest first before they would give me a payoff amount. So it took 4 years and 6 months to payoff my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: LEXISNEXIS
State: FL

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 explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Sychrony Bank uses outdated information and duplicate form letters to justify lowering my credit limits on all my accounts with them. One of their reasons for lowering my credit limit on all my accounts is lack of real estate. I have sent them proof that i own a home, but they choose to ignore that. I am in the process of paying down my debt. Each time they reduce a credit limit, it portrays a false picture. For instance, if my credit limit is XXXX and I owe XXXX, I still have XXXX to use. If they lower my limit to XXXX, as they did in this case, I am now up to the credit limit. Each time they do this to me, they reduce my credit score and make me look like I'm not using my credit responsibly. I'm tired of it! I am currently paying down all my Synchrony accounts and will not use this bank any longer. They have contacted me and my husband because they have done this to his accounts as well, but they send the same letters over and over stating the same reasons and do not look at anything we send to off set their decision. I will keep filing complaints as long as they keep harrasing me regarding this.

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 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: IL

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: IL

Complaint narrative:
There is an account on my credit report that is not mine and belongs to someone else

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 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: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the 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 non-monetary relief
Consumer complaint received 2024-03-27 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: FL

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 2024-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
The actions are that they are about to cut my electric off on Saturday two days away. No movement since XX/XX/XXXX. 
Payments Payment Method XXXX XXXX XXXX XXXX  XXXX Payment Amount - {$4800.00} Payment Date XX/XX/XXXX Payment Status Returned Confirmation Number XXXX More Activity Bill Issued XX/XX/XXXX {$5800.00} XXXX XXXX 
Payment XX/XX/XXXX {$150.00} XXXX Failed Payment XX/XX/XXXX {$150.00} Failed Payment XX/XX/XXXX {$150.00} XXXX Failed Payment XX/XX/XXXX {$150.00} Bill Issued XX/XX/XXXX {$5500.00} XXXX Payment XX/XX/XXXX {$120.00} Failed Payment XX/XX/XXXX {$120.00} Payment XX/XX/XXXX {$100.00} Bill Issued XX/XX/XXXX {$5900.00} XXXX Bill Issued XX/XX/XXXX {$5500.00} More Activity Bill Issued XX/XX/XXXX {$5700.00} Bill Issued XX/XX/XXXX {$410.00} Bill Issued XX/XX/XXXX {$5600.00} Payment XX/XX/XXXX {$570.00} Bill Issued XX/XX/XXXX {$1500.00} Bill Issued XX/XX/XXXX {$5800.00} XXXX Payment XX/XX/XXXX {$150.00}

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 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  XXXXXXXX XXXX Date of Inquiry XX/XX/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 2024-03-27 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: MD

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, and so on.

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 2024-03-27 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: MD

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, and so on.

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