vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-15 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: TX

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 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: CA

Complaint narrative:
in accordance with the fair credit reporting act this creditor has violated my rights, under 15usc1681 section 602 states I have the right to privacy 15usc1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15usc1666b a creditor may not treat a payment on a credit card account under open consumer credit plan as late for any purpose

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 2023-11-15 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: CA

Complaint narrative:
in accordance with the fair credit reporting act this creditor has violated my rights, under 15usc1681 section 602 states I have the right to privacy 15usc1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15usc1666b a creditor may not treat a payment on a credit card account under open consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: CA

Complaint narrative:
in accordance with the fair credit reporting act this creditor has violated my rights, under 15usc1681 section 602 states I have the right to privacy 15usc1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15usc1666b a creditor may not treat a payment on a credit card account under open consumer credit plan as late for any purpose

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 2023-11-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
I got a loan from one main financial. When I got the loan they hard sold me all the insurance they had to back up their loan to me. Medical , road side assistance, XXXX and accidental death, and some dining club thing. It drove my payment up to XXXX well I put my car up for collateral. My car has almost XXXX miles on it. At the time I got this loan I was working XXXX jobs. I hit a deer in the end of XXXX .. long story short the insurance payed XXXX almost XXXX to fix my high mileage car. No motor work, just cosmetic. I had called XXXX main to try to drop the extra insurance on my loan and at that point they offered me another loan of XXXX that would have extended my original loan another year. I told them no thanks. I didn't need no more debt. At one point I had went in the office in XXXX and tried to pay my loan way down and they said I couldn't pay it there in the office that I had to go to XXXX. I didn't understand that so I let it go, and didn't pay the money I had at the time towards my loan. Long story short, I asked them to work with me and they said they couldn't drop the insurance. After I hit the deer I lost a job, had financial difficulties, have a nice looking car that isn't dependable, and have over the roof debt on my hands. I was told that they couldn't accept partial payments... I tried to file bankruptcy and got taken on that as well. Paid the all of their fees and all they keep telling me is we need more documents. That place was recovery law offices out of Indiana. I called one main financial today XXXX XXXX before filing this complaint to try yet again to solve this issue, was told the manager would call me back .. and she never did. All I want is to take care of this debt and some fairness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: NV

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

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 2023-11-16 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: NV

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating XXXXm using a 3rd party. I have attached my ID and letters to this complaint for your review

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: A-L FINANCIAL CORP
State: CA

Complaint narrative:
My name is XXXX XXXX, Originally financing a vehicle threw AL-Financial a few years ago. I ran into financial hardship more than half way threw the loan. 
I ultimately had my vehicle repossessed. 
They sold the vehicle and I had a balance of XXXX left from loan. 
I now see on my credit report they have been doing hard inquiries on my credit every month for years now and will not stop. 
They are stopping my family from purchasing our first home and its frightening please help us. 
-XXXX XXXX Reporting AL-Financial

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: IN

Complaint narrative:
Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record.

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. 

Item Number Company Name Account Number Comments 1. XXXX XXXX XXXX XXXX {$850.00} 2. XXXX XXXX XXXX XXXX off {$210.00} 3. XXXX XXXX XXXX XXXX Paid closed/never late 4. XXXX XXXX XXXX Missed/late payments 5. XXXX XXXX XXXX XXXX {$990.00} open balance 6. XXXX XXXX XXXX XXXX {$3300.00} 7. XXXX XXXX XXXX XXXX XXXX {$550.00} Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 

Sincerely, 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 2023-11-15 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: MOHELA
State: CA

Complaint narrative:
I have now been on the phone with Mohela 4 times and have sent XXXX online messages to Mohela since XXXX to try to remedy this situation, with no response, conflicting information, and an incorrect payment calculation. 

On XX/XX/23, I spoke with someone who processed my standard payment plan request for {$160.00} and assured me that being on the standard plan was best for me for the few months I need to qualify for XXXX. After XXXX months, Mohela then incorrectly calculated my payment amount to be {$270.00}. 

On XX/XX/23, I spoke with someone again, who assured me that Mohela had made an incorrect calculation and re-processed my application for a standard repayment plan. This person also assured me that the standard plan would qualify me for XXXX because I only have a few months left to go. I was told, and have documentation from Mohela in messages that my payment amount would be {$160.00}. This has been processing since XXXX with no change. 

I spoke with someone today ( XX/XX/23 ) and requested to be placed on emergency or administrative forbearance ( XXXX interest accrual, qualifying for XXXX ) until Mohela can calculate my payment correctly. I was told that she could only place me on a XXXX XXXX, which does not qualify for XXXX. She told me that the standard plan doesn't qualify me for XXXX and tried to pressure me into applying for an XXXX  plan. I told her I was told by XXXX other Mohela representatives and supervisors that the standard plan would qualify me for XXXX since I only have a few months left to go. She told me that I was given wrong information. I told her I have no idea who to trust, since Mohela gave me conflicting information, which literally occurs every time I call. 

I insist that my account be placed on ADMINISTRATIVE FORBEARANCE with XXXX interest accrual and which will qualify me for these months where I would have been paying if Mohela had only calculated my payment amount correctly in XXXX, when I originally applied for the standard plan. Please assist me ASAP and place my account on ADMINISTRATIVE FORBEARANCE until my payment amount is correct. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
called company they really spoke mean and threating to me, this was filled originally XX/XX/2018 its been 5 years, and they just refreshed this collection to collect again the name on judgement is XXXX XXXX that is not my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as 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 2023-11-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: MA

Complaint narrative:
I now have {$860.00} of interest accrued showing up on my student loans with MOHELA. There was no accrued interest allowed during the pandemic as it was 0 %. I started back up payments in XXXX and now it shows that amount of interest. I called and was on hold for hours and hours without resolution. I spoke with one person who said its valid interest, but could not explain it to me as they were a trainee and could not get me with an expert. Please help, I dont believe I should have these interest fees. In addition, I was hoping to find out how many months of payments Im away from loan forgiveness thru XXXX, given I have been in repayment since 1999.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: NJ

Complaint narrative:
I received a notice from my credit monitoring service that there was negative action on my report ( s ). A company known as Sunrise Credit Service with an address of : Creditor Contact : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, NY XXXX | ( XXXX ) XXXX ( on report ). In the amount of {$350.00} XXXX XXXXXXXX. # XXXX Opened XXXX Reported XXXX I have no known relationship with this company and who gave them permission to place something on this report? IT WAS NOT ME. Under 15 U.S. Code 1692g - Validation of debts, this alleged creditor must furnish proof that I have a contract with them. The name : XXXX XXXX XXXX is a registered trademark with the United States Patent and Trademark Office bearing U.S. TRADEMARK REGISTRATION XXXX ( see attached certificate of Trademark )

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 2023-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: DC

Complaint narrative:
CB/VICSCRT is a collection agency that is trying to collect a debt in the amount of {$510.00} and is not the original account holder and I have been receiving collection calls before and after business hours. Ive also been told by several representatives that this debt will be placed on my consumer reports for XXXX, XXXX and XXXX. Please remove this collection item from all three reporting credit bureaus XXXX, XXXX and XXXX as this is in violation and misuse of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
On XXXX XXXX, XXXX, I received my tax refund check after going through various identity verification requests from the IRS. I made XXXX wire payment to my grandmother to repay a loan, withdrew {$500.00} from the ATM and went into my local branch office to get a cashiers check to buy a car before my car that I am renting was due on XX/XX/XXXX. I was told that my transaction request was denied and to call customer service in 24 hours. I called my bank 's customer service as directed and was told my account is under review until further notice, I can not access any funds, there was no comments on my account to explain why my account is under review, and there is no expedite date to process my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I won't put my information, but I believe it is okay to write the false information here, so I will. 
I received a credit card that I did not apply for. I contacted the card company and reported it. 
Then, I wanted to make sure there was nothing wrong with my personal information. So I logged into Chase and looked at my personal info. I saw the phone number XXXX next to the card number XXXX. 

I called Chase again to remove the false information from my personal page. My phone number next to my existing account was correct. 
But I am very uncomfortable with the false info that was on my personal page and about how Chace could issue the card without my knowledge. 

I also contacted the Credit Bureau 's office. We found that the office has the wrong social security number for me. I don't know why it is wrong. They had three pieces of information from when I applied for a credit card in the past, and that information was correct. But, again, the XXXX they had was not mine so it is very strange to me. 
I sent a copy of my DL and SSN to them by their request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 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: NJ

Complaint narrative:
I have been disputing with Equifax, XXXX, XXXX and other creditors since XX/XX/2023 and I have not been able to get them to comply with my disputes. I disputed my personal information, late payments, collections, derogatory marks and accounts that have been charged off. Which are all inaccurate, misleading and misreporting on my consumer report. This is also against my rights as a consumer. They never asked for my permission to report all these things in writing nor verbally. On XX/XX/2023 I found out my information was breeched! I am very upset, disappointed and I demand a remedy! I have spent numerous amounts of monies and time disputing these misleading, misreporting and inaccurate information on my consumer report. 

This is messing with my mode of living, my general reputation and my children 's future as well. THESE CORPORATIONS AND FINANCIAL INSTITUTIONS ARE IN CLEAR VIOLATION OF CONGRESS FEDERAL LAWS. I want any and all negative items ; Old/outdated addresses, late payments, collections and inquires, reporting on my Equifax consumer reported DELTED immediately. In addition, I am requesting a compensation amount of {$5000.00} because my information was breeched! If needed I will take legal actions necessary to heal the damages done to me by Equifax, XXXX, XXXX and the other creditors ( XXXX XXXX ). 

I have also sent a copy of my consumer reports with every single inaccuracy, misleading and misreporting account highlighted in either pink or orange specifying every single error in my consumer report. 

IF NEEDED I WILL TAKE LEGAL ACTIONS NECESSARY TO HEAL THE DAMAGES DONE TO ME BY EQUIFAX, XXXX, XXXX AND OTHER CREDITORS ( FINANCIAL INSTITUTIONS ) FOR USING, SHARING, BUYING, SELLING, TRADING AND ALSO FOR FAILLING TO PROTECT MY NONPUBLIC PERSONAL INFORMATION ( 15 USC & 6801 ).

Company response to consumer: Closed with explanation