vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-06 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: WI

Complaint narrative:
After reviewing my report. There are accounts on it that I do not recognize, please delete and update 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 2024-10-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: 2288984 Ontario Inc.
State: KS

Complaint narrative:
I took out a loan for {$1900.00} on XX/XX/XXXX. My last draw was for {$300.00} in XXXX of XXXX. I confirmed today that my total draw amount over the entirety of the loan was {$2300.00}. But over the last 3 years I have paid now over {$8200.00} in consistent payments and still owe {$1200.00}. Never missed or been late on any payments. This is predatory lending. Predatory lending is any lending practice where the borrower is taken advantage of by the lender. Predatory lenders impose lending terms that are unfair or abusive. This predatory practice is often committed against victims who are elderly or low-income ( 15 U.S.C. Chapter 41, Consumer Credit Protection 15 U.S.C. 1691, Equal Credit Opportunity Act ). I have reached out to MoneyKey for payoff options and have been told, " We can not discount your pay off balance, '' despite me paying 246.777 % more than the draw amounts. Prior to obtaining counsel, I am making a last ditch effort to get this loan disolved as I have paid well over the amount a resonable prudent person would assume.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I told trans union XXXX writing to formally dispute the inaccurate information currently reflected in my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information that I believe is inaccurate, incomplete, or unverifiable. Please review the following account and delete off of my credit report because of the inaccuracies. On the below accounts. 

XXXX. XXXX ( Account XXXX : XXXX ) ** The balance owed was reported as {$790.00} on XX/XX/year>, yet the account is closed, and the last payment history contradicts this amount. 
XXXX. XXXX  XXXX ( Account XXXX : XXXX ) ** The account status is marked as disputed, but this is not reflected in the latest report, showing the issue was resolved. 
XXXX. XXXX ( Account Number : XXXX ) ** The account is noted as canceled by the credit grantor, but no clear explanation is provided for the remaining balance. 
XXXX. XXXX ( Account XXXX : XXXX ) ** The account was sold to another lender, yet the balance remains inaccurately reported. 
XXXX. XXXX XXXX ( Account Number : XXXX ) ** The account meets FCRA requirements, yet it still reflects incorrect balance information. 
XXXX. XXXX ( Account XXXX : XXXX ) ** The repossession date conflicts with the date of the last activity, suggesting inaccuracies in the report. 

Also, I asked them to delete these inaccurate accounts below as well. 

XXXXXXXX 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 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: TX

Complaint narrative:
My phone was stolen with the kickoff account associated with it. I could no longer get into it. I tried to get the account back. I could not get into it to pay the fee they charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Dates/ Amounts I was made aware on XX/XX/XXXX, of unauthorized debit transactions made on my personal Checking account with Citibank. The unauthorized transactions began XX/XX/XXXX of {$500.00} increments, lasting through XX/XX/XXXX, totaling {$43000.00}. XXXX has sent monies internationally XXXX XXXX account. Per legal representation. The monies were transferred from my personal checking at Citibank to a XXXX credit card. XXXX has purchased with unauthorized funds lands on international soil, Title of Deeds, vehicles. 

Actions Taken By I filed a police report regarding the unauthorized use of my personal account with the XXXX Police Department on XX/XX/XXXX for deceptive practice Report # XXXX. I requested an formal investigation via legal representation on XX/XX/XXXX to XXXX government official against XXXX XXXX, aka XXXX XXXX, XXXX XXXX XXXX XXXX. I also reported this theft to XXXX XXXX and commanding officer of 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 monetary relief
Consumer complaint received 2024-10-06 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: TX

Complaint narrative:
Name : XXXX XXXX XXXX of Birth : XX/XX/XXXX SSN : XXXX Address : XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX TX XXXX XXXX, XXXX XXXX Experian Date : XX/XX/XXXX URGENT MATTER I intend to challenge a dispute with an FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
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.

Items listed above have 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 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 ( AN ( 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. 
Remove Following Non-Mailing Addresses listed that doesnt belongs to me : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX Remove Fraudulent Account listed : XXXX XXXX ( XXXX ) Opened : XX/XX/XXXX, Balance : {$2700.00}, Payment status : Collection Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX ( XXXX ) XXXX FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company.

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 2024-10-06 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: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MI

Complaint narrative:
Nelnet my previous Student Loan provider was taken over by something called Sloan Servicing this year. Since that time my payment date has been changed without my knowledge ( from the XXXX  of the month to what I think is the XXXX  ). Due to this change, I believe I've been charged late fees because when I go to the website it says " Past Due Amount '' and there is a larger amount. I've looked on the website to email what's going on and there is no email contact, just a M-F number from 8am to 8pm. It's very hard to call with my job ( teacher ) and when I do after work there is no getting through. I only have {$3300.00} left on my loan and I want to end this. Having no convenient way to ask a question or find out what's going on is wrong. I've paid this loan consistently for years, consistently paid more per month and many months in advance. I don't know what's going on with Sloan Servicing and resent that I was shuffled to this company without my consist or without any options. This is wrong and bordering on criminal and a scam. Please take action!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under trafficking according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXXXXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. 
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 2024-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
Around XX/XX/XXXXare Saxon mortgage increased the interest rate up to about 12 %. We were not financially able to keep up with that because our payments were almost {$3000.00} a month. Because we could not pay the total mortgage each month. All the extra fees kept on adding and adding for a period of 2 years when Saxon started foreclosure proceedings against us Saxon finally granted us a loan modification and then sold the mortgage how about you went to Ocwen. Unfortunately all the extra fees transferred with it and were put on the back end of the mortgage which will result in us having to pay a balloon payment in XXXX. XXXX sold the mortgage to PHH mortgage which we currently have. We are paying about {$1400.00} a month but we do have about {$140000.00} deferred. I believe a lot of this {$140000.00} fees that were added on to us that should not have been since Saxon was declared a predatory lender. I don't know how to get the mortgage records from Saxon and unfortunately don't have the records here at home due to a flood in our basement and losing a lot of financial records during that time. Is there anything that cfpb can do for us to get us away from this balloon mortgage and extra amount that was tacked on to our mortgage.? I would like to retire soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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:
) you received my dispute regarding some transactions and late payments that you and ( Put creditor name here ) furnished to my consumer report and when I disputed these exclusions using the FCRA I received a response from you ( Experian, XXXX, XXXX ) stating that the account was verified!!! 

I am not sure why you responded with Verified as I did not ask for verification of anything! The law clearly states that ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; how can you validate a dispute regarding information that is excluded from the consumer report? The law says transactions are not apart of my consumer! So how can you validate a late payment?

Further more lets take a look at 15 USC 1666b ( a ) Time to make payments Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless thecreditorhas adopted reasonable procedures desig
ned to ensure that each periodic statement including the information required bysection 1637 ( b ) of this titleis mailed or delivered to the consumer not later than 21 days before the payment due date.

I am requesting all information pursuant Rule 1002 on 15 USC 1666b and the procedure that was used to authenticate accuracy ; What reasonable procedure that you have adopted designed to
ensure that each peridioc statement including information required by section 1637b was mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2024-10-06 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: PA

Complaint narrative:
i noticed unauthorize inquiries on my credit report that i did not approve or have any knowledge of i want this removed and let the 3 credit buraus to do likewise

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 2024-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I been notify that my credit has been decrease becouse i got report from synchrony is charge me {$21000.00} when i did not made any transaction. 
i have proof about my information has been hack and use for identity theft. 

i want get help becouse i m not going to pay becouse i did not autorized any of those charged. 

i dont have money for pay that much. 

attach i have some document from my phone company and from experian report. 



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 2024-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have never had a Best Buy account and it needs to be removed from my credit reports.

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 2024-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Possible Financial Inc
State: TX

Complaint narrative:
This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
XX/XX/2024-XX/XX/2024 I was accessing my mobile online app now I cant and money was in my savings and checking they falsifying responses and reasonings they hacking my accounts through online banking and back office of the SoFi bank and they never called me and still havent and its been almost a month now

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Paypal Holdings, Inc
State: NE

Complaint narrative:
I contacted cfbp and Venmo that said I would be sent a card and that card never came and they said to reach out to the I did and still no reply so I am complaining on Venmo again

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: PA

Complaint narrative:
i noticed unauthorize inquiries on my credit report that i did not approve or have any knowledge of i want this removed and let the 3 credit buraus to do likewise

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: PA

Complaint narrative:
i noticed unauthorize inquiries on my credit report that i did not approve or have any knowledge of i want this removed and let the 3 credit buraus to do likewise

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 2024-10-06 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: CA

Complaint narrative:
Balance is being reported incorrectly. I attached Balance update letter dated XXXX with correct balance

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 2024-10-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: AK

Complaint narrative:
I recently opened a savings account with Citibank and deposited {$500.00} in it. When I got my atm card in the mail, I tried to activate it and was locked out of my account. I have tried several times to get access to my account by calling customer service and they say that my answers to their security questions dont match and that I can not get access without my savings account number, which I dont have. So I am locked out of my account and unable to access it now our use my bank card.

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