vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Happy Money, Inc.
State: WA

Complaint narrative:
I had a brief period of unemployment, so I took the 2 month bill pause they offer normally. No big deal, modified my loan and went about my business. XX/XX/XXXX they advise that I'm past due. I look online and the billing section says I have a payment due XX/XX/XXXX. I'm very certain the rep I talked to said, no bills until XXXX. I have no other bills, I have no other notifications I owe for XXXX. 

They said " our system will skip ahead to the next payment. '' What? Is that legal? I don't know... I got my modified loan statement. But I got ta figure out if just not sending a bill is legal ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Alleging Creditor and Account as is reported as having a late payment my credit report : 1. XXXX XXXX XXXXXXXX, Credit Card, Account Number : XXXX, XX/XX/XXXX 2. XXXX XXXX, Cell Phone, Account Number : XXXX, XX/XX/XXXX I am demanding that these accounts be updated to Paid as Agreed and Never Late.

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 2023-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP
State: NE

Complaint narrative:
I recently opened a checking and savings account with Laurel Road Bank. After XXXX deposits into the account my account was suddenly locked. I called to ask why and they said they need to verify who I am. I immediately sent them a picture of ID and also my social security card. I also sent a copy of my birth certificate just to make sue the process could be handled quickly. These funds I need to pay my bills and feed my family. They confirmed they received them adn then asked for phone records and phone bills. I am unable to provide a phone bill because my phone plan does not send bills to me. This is a XXXX week long process as of today and it has forced me into debt over 700 dollars. They provide no answer when I call and say the case is being reviewed. I call everyday for an update and they say the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I recently viewed my consumer report and was aware that there are several accouns that are not reporting accurately. I'm request this accounts that I have listed be removed from all my consumer reports to prevent further litagations. I did not consent to any ofthe informtion to be reported which is a viloation. 

XXXX XXXX XXXX Account 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 non-monetary relief
Consumer complaint received 2023-10-17 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: OH

Complaint narrative:
I recently viewed my consumer report and was aware that there are several accouns that are not reporting accurately. I'm request this accounts that I have listed be removed from all my consumer reports to prevent further litagations. I did not consent to any ofthe informtion to be reported which is a viloation. 

XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

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

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

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

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX in accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2023-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On our about XX/XX/XXXX, I opened online a checking account with Citibank. I received the debit card in the mail, and was unable to activated online, it kept giving me an error, in XXXX XXXX went in personally into the branch, and spoke to the teller, she instructed me to make a deposit through the ATM machine in the lobby, I did. 
Later I decided to use the account, to collect funds from friends and family for a young cousin 's XXXX XXXX, and linked it with XXXX with the email XXXX, on XX/XX/XXXX. Tested that it worked from another personal account on XX/XX/XXXX, with a {$1.00} transfer, since it worked. I started receiving XXXX 's there since that day. 
On XX/XX/XXXX, again I went to the local Citibank branch ( same where I activated the debit card, and made the cash deposit ), and asked for {$5700.00} to be wired transferred to the clinic in XXXX, XXXX. I had the invoice and all the wire information from the clinic, after a few minutes I was told the account had been blocked, and most likely I would receive a cashier check, or the senders ( including myself ) would get their money back, because I violated the terms of my account, to go back in 72 hrs. I went back 72 hrs, a week, 2 weeks and month, and many other times, no re-solution. I was told to wait it would be via regular mail or directly with people, because they had to wait, and see that no one had filed a complaint that it was fraud. It wasn't it was mostly family, and some friends. I understood, but Neither has happened, its been almost six months. I have gone to the branch, the manager says there is nothing he can do. I have called Citibank, different departments and no one knows or can't talk to me, since they closed the account, and im no longer their client. No one including, myself, my daughter, other family members and my husband has received a refund, nor have I received a cashier check refunding the full amount of the money in the account, at the time they closed it or denied me access to it. The total amount in the account that I am owed is {$6600.00}

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 2023-10-17 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: TN

Complaint narrative:
I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit profile. this has been a issue that ive addressed an nothing has been updated. looking over my file I noticed that all items in question illegal an incorrect reporting on my credit. please review an remove all listed all items on my credit report asap.

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 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Credit Control
State: CA

Complaint narrative:
XXXX at Continental Credit Control ( CA license # XXXX ) made deliberately false representation as to the dates I was sent invoices from the creditor to make me believe as if I had missed years worth of statements. I then called the creditor directly, and they confirmed the first bill was only sent 2 years after the date mentioned by XXXX ( and only 3 in total, contrary to what XXXX said to me ). This deceptive practice is completely illegal and irresponsible and this individual should be stripped of any license to work at a debt collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-10-17 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: MI

Complaint narrative:
XXXX XXXX in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX  XXXX I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2023-10-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Key 2 Recovery, Inc.
State: MD

Complaint narrative:
I received a call from a XXXX a representative from XXXX XXXX acct number XXXX on Wednesday XX/XX/2023 @ XXXX. Upon answering the call, I asked if I could call them back as I was at work in the middle of seeing XXXX. XXXX told me that I had to give her call at XXXX by close of business on XX/XX/2023 and I said okay. I never knew it was a collections call. I tried calling back, left 3 messages and never got a call back. The next thing I get is a collections letter from Key2Recovery Collection Agency acct # XXXX saying that I owe XXXX XXXX {$5000.00}. I immediately called the Collection agency back and informed them that I shouldn't be in collection due to the fact that the loan servicing company XXXX XXXX acct. number XXXX told me that my loan was hold due to the Pandemic and the fact I wasn't working regularly. When speaking to XXXX XXXX she told me she would contact the College and send me all information related. Once I got the information, I called back and was informed that I never had a loan through XXXX XXXX but I had an Account Receivable Account and that is now in Collections and I had to pay it or it will affect my credit. I then got a phone call on my job in which I never gave these people my number and they told my job it was a collections call and they had to speak to me then the call was transferred to me. I immediadely told them I was at work and that it wasn't acceptable for them to call me there and the representative hung up and called my cell phone, but I just said " I'm at work. She then told me that I was refusing to pay and I never said that, I said I should not be in collections and that if I had to pay that I would begin to pay what was agreed upon by myself and XXXX XXXX since I am working now. She said that it is unacceptable and that I had to pay peroid. The said they had no knowledge of payments to launch servicing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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: MI

Complaint narrative:
dept of education XXXX  in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions dept of education XXXX  I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2023-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NY

Complaint narrative:
I was recently informed that I did not have to recertify my IDR through Mohela from my pre-pandemic COVID pause recertification date XXXX Tax Year. 

Twice I was misinformed that I had to recertify. The first time I was misleadto recertify was in XXXX of XXXX when I was mislead to submit an XXXX update for the XXXX Tax Year. 

The second time I was misinformed that I had to recertify was over the phone when I was attempting to gain information on my student loan on XX/XX/XXXX. I was again mislead to submit and XXXX update for the XXXX Tax Year. 

I was unaware of the benefit set out by the Department of Education given to every borrower and am dishearted that I was mislead not once, but twice by this company. 

I should also benefit from the rules set about by the Department of Education as every other borrower in the same situation I am in does. 

I request my XXXX calculation be returned to it's pre-pandemic COVID pause state, utilizing the XXXX Tax Year data as I should not have been allowed to recertify until the XXXX date indicated by the department of education.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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: MI

Complaint narrative:
dept of education XXXX  in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions dept of education XXXX I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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: GA

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 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: MI

Complaint narrative:
XXXX  XXXX bankruptcy in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX bankruptcy I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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