vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

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 explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: MA

Complaint narrative:
No record of this debt on any credit report or current companies we have debts with. Trespassing and giving papers to the incorrect person. Legal action is being taken against CAVALRY SPVI, LLC for harassment and mental stress caused to person who received papers. Video footage available.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Inquiry date XX/XX/year> XXXXXXXX XXXX XXXX Inquiry date XX/XX/year>XXXX XXXX XXXX XXXX - Inquiry date XX/XX/year> XXXXXXXX XXXX XXXXXXXX - Inquiry date XX/XX/year>XXXX XXXX XXXX - Inquiry : XXXX. XXXX XXXX XXXXXXXX - XXXX : XXXXXXXX XXXX XXXX XXXX XXXX - Inquiry : XXXXXXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 con
sumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.

15 USC 1681i 15 USC 1681b-

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 2024-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
OneMain Financial was trying to say that I owed them {$87.00} for an insurance miscommunication on my car being collateral on a loan I have with them. As soon as they contacted me about my insurance company not showing full coverage on my car, I contacted the insurance company and corrected the problem. This was in a 23-week period. they said I owed that amount I did not agree. Anyways, I did not pay it, but I was making my regular payments on time each month. They started calling me every day 2-3 times a day for over the month of XXXX going into XXXX. I did speak with them one of these times during this timeframe letting them know to stop harassing me and why are they calling me so much. Leaving voicemails and all. I was stress because I did not understand why they would call me over this for that amount. However, they started calling my husband as well. Within a 56-day period they had call me over 15 times. Sometime 3 times a day. This was driving up my blood pressure and also my husband was concerned at this point. Finally, after about a month, I answered the phone very reluctantly and had a somewhat heated conversation with the person from their company explaining how they were harassing me over this amount and told them to note even though I did not agree I would make the additional payment on my next schedule payment date. It took me to say this in frustration and stress for them to finally stop

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 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: NY

Complaint narrative:
My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I ', really tired and sick with these XXXX. Should be there be any updates on my inquires, I " gon na go to court. 

Creditor Name : XXXX Date of inquiry : XX/XX/XXXX Creditor Name : XXXX Date of inquiry : XX/XX/XXXX Creditor Name : XXXX Date of inquiry : XX/XX/XXXX Creditor Name : XXXX  Date of inquiry : XX/XX/XXXX Creditor Name : XXXX Date of inquiry : XX/XX/XXXX Creditor Name : 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 non-monetary relief
Consumer complaint received 2024-11-05 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: NY

Complaint narrative:
My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I ', really tired and sick with these XXXX. Should be there be any updates on my inquires, I " gon na go to court. 

Creditor Name : XXXX Date of inquiry : XX/XX/XXXX Creditor Name : XXXX  Date of inquiry : XX/XX/XXXX Creditor Name : XXXX Date of inquiry : XX/XX/XXXX Creditor Name : XXXX Date of inquiry : XX/XX/XXXX Creditor Name : XXXX Date of inquiry : XX/XX/XXXX Creditor Name : 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 2024-11-05 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Reporting information on a consumer credit report without their written consent is identity theft i did got give anyone written or verbal permission for them to place such information on my consumer report because my privacy rights have been violated i am demanding the company to remove the account fromt my consumer report not later then four business after such information i provide acount information ( JPMCB CARD ACCT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: F.H. Cann & Associates, Inc.
State: DC

Complaint narrative:
I have submitted two PSLF reconsideration requests to FSA ( case # XXXX in XX/XX/XXXX, case # XXXX in XX/XX/XXXX ) for the same concern, and both times the FSA has failed to provide an adequate answer, explanation, or plan of action. My reconsideration requests pertain to application of the IDR adjustment and the subsequent qualifying payment adjustment. Based on studentaid.gov, my four months of economic hardship deferment from XXXX on my GradPLUS direct loans should count as qualifying payments. Unfortunately, my payment tracker is STILL not updated despite all this time and all of these attempts. The emailed responses to my reconsideration requests are extremely lacking, stating that " the IDR adjustment has now been applied .... we are [ now ] considering your request closed '' is completely unacceptable. It offers me no explanation as to why these four months aren't counted, because they should based on their website and the explanation of the IDR payment adjustment initiative. Specifically, my four months qualify because I was in economic hardship deferment after XXXX. I am currently at 115 payments and have been employed >120 months by a qualifying employer ; I am therefore eligible for forgiveness under PSLF ( after I submit one final ECF verifying my qualifying employment for XX/XX/XXXX ), but I need these four months to be applied. Please help, as I have called FSA numerous times and no representatives can provide further explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

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 2024-11-05 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: ID

Complaint narrative:
Approximately 2 weeks ago I contacted XXXX XXXX, related to an account titled " XXXX '' to notify them that I am opting out of sharing my consumer nonpublic information, pursuant to 15U.S. Code1681b ( a ) ( 2 ) and 15 USC 6801 thru 6809 and16 CFR 313.7 ( f ), with all nonaffiliated third-parties, including, though not limited to the following : XXXX, XXXX, TransUnion, andXXXX XXXX XXXX  XXXX. I have yet to receive any response from XXXX XXXX, related to an account titled " XXXX, '' and they continue to share my consumer nonpublic information nonaffiliated third-parties, including, though not limited to the following : XXXX, XXXX, TransUnion, and XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I did notify XXXX XXXX, related to an account titled " XXXX, '' of my revocation of my grant to it to retain my security interests and ability to transfer my security interests to anyone other than me, otherwise they are involved in securities fraud and this is reportable to the SEC for further investigation, however, I have not received any notice from them of my correspondence for their intent to follow my instructions.

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 2024-11-05 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: ID

Complaint narrative:
Approximately 2 weeks ago I contacted XXXX Bank, related to an account titled " XXXX, '' to notify them that I am opting out of sharing my consumer nonpublic information, pursuant to 15U.S. Code1681b ( a ) ( 2 ) and 15 USC 6801 thru 6809 and16 CFR 313.7 ( f ), with all nonaffiliated third-parties, including, though not limited to the following : XXXX, Experian, XXXX, andXXXX XXXX XXXX XXXXXXXX. I have yet to receive any response from XXXX XXXX, related to an account titled " SYNCB/Lowes, '' and they continue to share my consumer nonpublic information nonaffiliated third-parties, including, though not limited to the following : XXXX, Experian, XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I did notify XXXX XXXX, related to an account titled " XXXX '' of my revocation of my grant to it to retain my security interests and ability to transfer my security interests to anyone other than me, otherwise they are involved in securities fraud and this is reportable to the SEC for further investigation, however, I have not received any notice from them of my correspondence for their intent to follow my instructions.

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 2024-11-05 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: NJ

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-11-05 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: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I noticed late payment errors in my credit report that conflict with my usual history. Please correct these issues and update the account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-11-05 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: TX

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One Credit card keeps insisting that I owe a balance for various charges in which I never used the card to make such transactions and I spoke to a representative to discharge the fees as of today 's date the fees have not been discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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:
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 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is really worrying and have caused me sleepless nights as I am a victim of identity theft, and my personal information was used fraudulently, resulting in items on my report that I was never involved with. Following TransUnion 's instructions, I filed a report with the FTC and submitted it ; however, these fraudulent items still appear on 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 non-monetary relief
Consumer complaint received 2024-11-05 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:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GREENSKY OPERATIONS, LLC
State: CA

Complaint narrative:
In XX/XX/XXXX I hired XXXX XXXX XXXX ( XXXX ) to replace a sliding patio door in my living room. I took advantage of 0 % interest by applying for a credit card with GreenSky. During the following 24 months XXXX provided poor workmanship and caused substantial damage to our home. We had three major leaks from the new patio door and because of poor workmanship and incorrect advice from XXXX, it was installed and reinstalled four times. As a result, we no longer have the brand-new door XXXX agreed to provide us with. As a result of the leaks and substantial delays from XXXX, we suffered major damage and financial harm. We were unable to use our master bedroom for nine consecutive months, whilst mold testing and redecorating were carried out. At great inconvenience, we moved into our guest bedroom. During that period our daughter was unable to visit us, business colleagues were unable to stayover, and my brother, recently bereft of his fiance, had to stay in a hotel for his entire stay. 
We told GreenSky we were in dispute with the merchant several times and also told them not to post any charges to our account until the dispute was resolved. However, GreenSky ignored our complaints and paid XXXX the final payment for the door and charged our credit card. This took away any leverage we had with XXXX to complete the work and bring our home back to a livable standard in a timely manner. 
GreenSky sent an email to me on XX/XX/XXXX ( see attached ) saying that they had conducted an investigation. The rest of the email made no sense to me whatsoever. I responded to this email on XX/XX/XXXX ( see attached ) asking for clarification and also an explanation of the 10 % credit that appeared on my account. I also requested that all further communication be via email. 
After chasing GreenSky for a response to my email, they responded on XX/XX/XXXX ( see attached ) alleging that I had agreed to the 10 % credit in a phone call on XX/XX/XXXX. This is a false claim. I did not agree to anything as a resolution to my complaint and sent an email to respond on XX/XX/XXXX ( see attached ). 
Although I have requested all communication in writing they still continue to call me and only send very sparse emails without detail. 
As you will see from my emails, I have expressly disputed the entire balance of my account due to GreenSky 's mishandling of my account, which caused substantial financial harm and inconvenience.

Company response to consumer: Closed with explanation