vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Westlake Services, LLC
State: TX

Complaint narrative:
Auto loan company ( XXXX XXXX ) offered extension/ defer payment/ skip a payment on XX/XX/XXXX. Right after I received the email of the extension approval their app blocked or limited my access to make payments. On XX/XX/XXXX I received an email requesting payment past due yet on XX/XX/XXXX I was only able to submit a partial payment of {$110.00} app would allow for full payment of {$310.00} ( {$300.00} + {$5.00} fee ). On XX/XX/XXXX I was able to make a payment of {$140.00} again app wouldn't let me make full payment due. I then called the customer service number and only contacted the automated system no human XXXX On XX/XX/XXXX I received an email if I wanted to refinance my loan I called the number on the email and was transferred multiple times to different representatives and not XXXX said they could assist me in getting more information or loan department. XX/XX/XXXX I called and requested a billing/payment history that was sent by email that same day and I was then notified my vehicle was scheduled for repossession and contract was accelerated. Since the start of the contract I've been charged additional Other fees ranging from {$100.00} to {$300.00} plus my payment amounts. ( Never a clear answer why additional fees ). The vehicle was taken from my home without notifying me. I was not able to get my personal items or work time sheets until XX/XX/XXXX as the towing company only was available by appointments created online.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
My XXXX paycheck that came in on account ending in XXXX on XX/XX/year> was knowingly and fraudulently was moved to my credit card acct ending in XXXX on XX/XX/year> and all my other debit cards stopped working " coincidentally '' at the same exact time that all this happened. The bank knowingly and willingly committed malpractice and negligence by allowing transfers against the account owners will and authorization multiple times, such as with the XXXX case and the credit card case, and other accounts multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NJ

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MoneyLion Inc.
State: ND

Complaint narrative:
On XX/XX/XXXX of 2024 I was hit with a charge for XXXX on my XXXX account. So what I did was put in a claim with the bank because I did not want them to charge this account and I went and talked to MoneyLion. They said that they would move the payment to the XXXX and use the bank account that I told them to use which was the XXXX account. and they put this in place and I was able to take a little bit more money out which I did. It was an extra {$75.00}. And then I get a reversal from the bank saying that they had proof that we were supposed to pay with the XXXX account. I told XXXX I have proof that we talked about it and that it was switched for a different day and a different account, but XXXX also refused to work with me on the claim and told me I had to talk to MoneyLion. Ive been trying to talk to MoneyLion for a long time, but every time they keep changing their story, they keep lying to me or the bank. I talk to them they said the bank never gave them the money. I keep calling them. I keep showing them the proof that I got from the bank now theyre telling me I need to do a three-way call. They just keep coming up with excuses every time I keep giving them the proof that they told me to do from the last time they told me. ive never had a problem like this before. im not sure if this is a scam or what is going on, but they keep throwing me around in circles and being rude to me when XXXX just trying to figure this out. Also, I look at my history and I dont even owe them the amount that they are trying to take out. Because when I look at how much money I took out, I actually only owe them {$400.00} so XXXX not sure where that extra money is coming from.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 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: TX

Complaint narrative:
This is NOT a duplicate report, and this is not filed by a 3rd party or Agency, this is filed by me. In Accordance with the Fair Credit Reporting Act Convergent these accounts below have violated my rights according to 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 an account without my written instructions. 

Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name XXXX XXXX Account XXXX XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX Account # XXXX Account Name : Rentrecovery Account # XXXX In addition, please provide the following : 1. Creditor Information ( Name, Address and Phone Number of Original Merchant ) 2. The Payment History and Itemized Billing Associated with Each Account 3. The Original Contract with My Signature on It 4. Proof Of Ownership ( Proof That the Company Trying to Collect This Debt Has Authorization to Do So ) If you are unable to provide these four details, please delete these accounts from my credit report. Thank you in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 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: TX

Complaint narrative:
This is NOT a duplicate report, and this is not filed by a XXXX party or XXXX, this is filed by me. In Accordance with the Fair Credit Reporting Act Convergent these accounts below have violated my rights according to 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 an account without my written instructions. 

Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name XXXX XXXX Account XXXX XXXX Account Name : XXXX Funding Account # XXXX Account Name : XXXX Account # XXXX Account Name : Rentrecovery Account # XXXX In addition, please provide the following : XXXX. Creditor Information ( Name, Address and Phone Number of Original Merchant ) XXXX. The Payment History and XXXX XXXX XXXX with Each Account XXXX. The XXXX XXXX with My Signature on It XXXX. Proof Of Ownership ( Proof That the Company Trying to Collect This Debt Has Authorization to Do So ) If you are unable to provide these XXXX details, please delete these accounts from my credit report. Thank you in advance.

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 2024-08-25 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: NY

Complaint narrative:
Fraudulent activity. I have contacted this company, sent letters, and disputed the items through the credit bureaus. I have asked this company to provide me with evidence that this account belongs to me and the information was never received. I believe this is fraudulent activity and would like these accounts removed from my credit report. They are really hurting my ability to obtain credit. 

Thank you

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 2024-08-25 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: GA

Complaint narrative:
Account name ; XXXX ACCT # XXXX Account name ; XXXX XXXX Account # XXXX Account name ; XXXX XXXX ACCOUNT # XXXX Account name ; XXXX Account # XXXX XXXX Account name ; PROSPER MARKETPLACE IN ACCOUNT # XXXX XXXX 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. 16815-2 ( 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 2024-08-25 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: GA

Complaint narrative:
Account name ; XXXX ACCT # XXXX Account name ; XXXX XXXX Account # XXXX Account name ; XXXX XXXX ACCOUNT # XXXX Account name ; XXXX Account # XXXX XXXX Account name ; PROSPER MARKETPLACE IN ACCOUNT # XXXX XXXX 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. 16815-2 ( 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 2024-08-25 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: TX

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within XXXX  days.

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 2024-08-25 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: TX

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

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 2024-08-25 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:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-08-25 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: FL

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-08-25 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: TX

Complaint narrative:
Hello, I am writing to formally dispute several unauthorized credit inquiries that appear on my credit report. These inquiries were made without my consent and are the result of identity theft. 

The specific inquiries I am disputing are :XX/XX/XXXX: Inquiry Date : XX/XX/XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXXXX/XX/XXXX Inquiry Date : XX/XX/XXXX I did not apply for credit with these companies, nor did I authorize these inquiries. Therefore, I am requesting that these inquiries be removed from my credit report immediately. 



Please investigate this matter and remove these inquiries from my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), I expect to receive a response to my dispute within 30 days. 

Sincerely, 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 2024-08-25 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: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 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: TX

Complaint narrative:
This is NOT a duplicate report, and this is not filed by a XXXX party or XXXX, this is filed by me. In Accordance with the Fair Credit Reporting Act Convergent these accounts below have violated my rights according to 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 an account without my written instructions. 

Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name XXXX XXXX Account XXXX XXXX Account Name : XXXX Funding Account # XXXX Account Name : XXXX Account # XXXX Account Name : Rentrecovery Account # XXXX In addition, please provide the following : XXXX. Creditor Information ( Name, Address and Phone Number of Original Merchant ) XXXX. The Payment History and XXXX XXXX XXXX with Each Account XXXX. The XXXX XXXX with My Signature on It XXXX. Proof Of Ownership ( Proof That the Company Trying to Collect This Debt Has Authorization to Do So ) If you are unable to provide these XXXX details, please delete these accounts from my credit report. Thank you in advance.

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 2024-08-25 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: IL

Complaint narrative:
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/year> please remove these accounts from my credit report per 15 USC 1681b 15 USC 1681 ( e )

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 2024-08-25 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: FL

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ECMC GROUP, INC.
State: CO

Complaint narrative:
My student loan was with XXXX XXXX, XXXX was my loan company. XXXX has now changed its name to XXXX. My loan should have been forgiven completely because my college was fraudulant- we were told by XXXX XXXX XXXX that these loans would be forgiven. Now XXXX is sending me letters saying my loan is past due and they want to " help '' me. XXXX XXXX XXXX XXXX XXXX XXXX MN 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 2024-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CarMax, Inc.
State: LA

Complaint narrative:
This company continues to discriminate, against XXXX XXXX, please be advised im placing leins with thier legal dept, through the attorney general office of thier corporate office, these people have went against every fcra rule there is, I'm requesting a litigation hearing with corporate office immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I called and messaged American Express regular department and the Financial hardship department in XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>, letting them know I was sick and recently diagnosed with Chronic illness which has caused me to be out of work several days, leave without pay and asked may they please lower my payment during this medical financial hardship and they said no, it can not be lowered from {$200.00} per month, even though I was behind and making small good faith effort payments they sent me to credit karma and it made my score drop XXXX point down. Again, I even asked to speak with several managers, and they too stated they can not lower payment from {$200.00} per month. {$200.00} is too much for me along with all my other bills and I need them to allow me to pay {$100.00} per month. Please assist. Thank you.

Company response to consumer: Closed with non-monetary relief