vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Alorica Inc.
State: CA

Complaint narrative:
I got a loan a couple of years ago with XXXX XXXX XXXX. They sold all consumer loans to a new company XXXX  XXXX. I have been making my payments and I happen to make a payment 2 times in the month of XXXX where the second payment went to priciple only so it didnt show for XXXX payment. They reported my payment late on XXXX report which dropped my score a lot and I called them and they wouldnt correct it. I feel they should correct this because now it shows a reverse payment on my account with them but it wasn't like that before. I spoke with a lady on XX/XX/XXXX and she said that she could see that it was showing principle only payment but then a reversal. I am not sure what that is I just want it to be cleared up so I can get this loan for my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: CA

Complaint narrative:
That is a business credit card for a company I was authorized to use but that is not my card an its reporting on my personal credit 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 explanation
Consumer complaint received 2024-05-22 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: CA

Complaint narrative:
That is a business credit card for a company I was authorized to use but that is not my card an its reporting on my personal credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: CA

Complaint narrative:
That is a business credit card for a company I was authorized to use but that is not my card an its reporting on my personal credit 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 explanation
Consumer complaint received 2024-05-22 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: MA

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Problems receiving the advance — 
Company: BYS, LLC. d/b/a Boost Your Score
State: TX

Complaint narrative:
In XXXX I had an emergency and needed a small loan. I applied for and received a loan or what I thought was a loan. Before completion I quit when I realized that it wasn't a loan. I did not realize that they started taking {$82.00} a month out of my account. I called and requested it to stop and to return my money. The total is {$490.00}. They said it would take 2 weeks. After almost a month I called back and they then told me it would take 60 days and they were only going to refund {$250.00}. I told them that first of all this is not 1980 and with technology it does not take 60 days to process refunds and then when I found out that they were only going to return half the money, I realized that I had been scammed. I am looking for full restitution and a warning put out to save others from this scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: NJ

Complaint narrative:
I strongly advise against including this suspicious entry on my credit report. It does not belong to me, and its presence is highly concerning. Please take the appropriate measures to rectify these inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: MS

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 informationisinaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: TX

Complaint narrative:
Was sent two contracts when I turned them in for not updating my credit or updating the account I asked why was there two contracts and the lady could not give me a answer told me she would look into it well we have gone 4 months and nobody has told me anything I only signed one contract so if the dealership or the finance company signed the other contract which is illegal my lawyer has instructed me to file a lawsuit against the dealership and the finance 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 2024-05-22 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: GA

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

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 2024-05-22 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:
Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


1. there is some inaccurate information reporting XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Delete this account. 

4. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Delete this account. 

8. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX  Account Number : XXXX Delete this account.

9. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I submitted a complaint already for this issue to review under regulation XXXX : XXXX I would like to reopen this case or start a new complaint. SoFi in their responses prior to this complaint submission, and in the complaint response, completely ignored the fact that I reached out to their customer chat service to seek support cancelling the payment as soon as it was noticed on XX/XX/XXXX. 

I attempted to seek support to cancel the unauthorized payment far before XX/XX/XXXX. I also tried calling their support line but it was closed for the holidays. 

I even noted to SoFi that someone in my family likely took my phone and made this payment without my authorization, which is what I provided as new facts in my follow up. SoFi noted that the phone was used from a similar location and using my credentials, that does not change the fact that I do not know who the recipient is and never authorized sending a payment to that recipient. I can not obtain additional facts beyond what has been provided, I am not a detective.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I am physically unable to login to the American Express account that has an alleged balance due from my bills. Conveniently, that is also my access to the supporting documentation I would take to an attorney since they provided me a non-answer regarding my earlier complaint. 

For the past XXXX days, again conveniently during them actually deciding to investigate the CFPB complaint since I've been talking about it at the end of XXXX, I am now unable to reset my password and get into the account. 

Again, please see another attached screenshot. Though they conveniently want this to go away, I have no ability to actually pay of the alleged debt even if I wanted to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: MA

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-05-22 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: CA

Complaint narrative:
I recently received a copy of my ( Experian, XXXX, or XXXX ) credit report, and I noticed some Hard Inquires reported on my credit report : And have noticed multiple fraudulent inquiries that i never authorized. In complete violation of Your company is in clear violation of the law. Under 15 USC 1681C-2- Block of information resulting in identity theft. THE LAW CLEARY STATES " BLOCK '' Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2024-05-22 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: IL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I transferred {$500.00} from my XXXX XXXX XXXX account to my new PayPal Savings account. The funds were deducted from XXXX 2 days ago, and were supposed to be settled in my PayPal account today. It seems my {$500.00} is in limbo somehow. I first spoke with Paypal about it, then XXXX. The PayPal Savings balance is still showing as XXXX, and they need to update my balance to {$500.00} now. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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:
On XXXX I received Documents from all XXXX bureaus Showing dispute results from a fraudulent XXXX XXXX account. All XXXX bureaus say that they have closed the investigations and have results. Now those investigation results don't matter, and that say we are in a loop that could go on forever. I disputed with each bureau in XXXX we are now in XXXX and this company has maliciously resubmitted a fraudulent account onto my credit file without showing any proof, I have been fighting this since XXXX it has been removed 2 times and I have and would never open a XXXXl XXXX account. at this time I am seeking legal advice. This is Not fair. and it was never an account of mine. I am attaching once again the FTC report and accompanying documents.

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 2024-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: The CBE Group, Inc.
State: OR

Complaint narrative:
A person called XXXX called a third party that I used to know and tried to get information about me this person XXXX called is not a spouse has never been a spouse never will be a spouse. This person should not have been called he has nothing to do with me. XXXX could potentially put me in danger without any regard or any contact with me. Giving information to a third party to collect a debt, which is being collected. Wrong and dangerous for some.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: AK

Complaint narrative:
All of my recent XXXX transfers are being denied ( " flagged fraudulent '' ) and I am unable to complete any transfers - even simple transfers to my wife 's bank account - and I am being told by Navy Federal Credit Union ( NFCU ) that there is nothing they can do about it. They won't even tell me why the transactions are being flagged and say they " can't override '' it to unflag - but someone can. All of my transactions are within NFCU 's XXXX limits etc. XXXX is referring me to NFCU to resolve the issue but NFCU is not doing anything about it. I am stuck. I have also tried to send to other bank accounts other than my wife 's - including some of my own bank accounts that I have XXXX on - and those transfers are also being rejected. XXXX transactions are covered by the Electronic Funds Transfer Act ( EFTA ) and Regulation E. I have been an NFCU customer for more than 25 years. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Carvana Group, LLC
State: PA

Complaint narrative:
Complainant Information : Subject of Complaint : Loan Company XXXX XXXX Dealer : Carvana Nature of Complaint : 1. Lack of Disclosure of Arbitration Clause : The arbitration clause in the car loan contract provided by XXXX was not explained to me at the time of signing. 
I was not informed that I had the right to opt-out or decline the arbitration clause. 
This lack of disclosure and explanation violates my rights under the Truth in Lending Act ( TILA ).

2. Misrepresentation and Deceptive Practices : Carvana, acting as the intermediary, did not provide clear information regarding the arbitration clause in the loan agreement.

Carvana did not inform me about significant terms and conditions of the loan, including my rights related to arbitration. 

Detailed Description of Events : On XX/XX/year>, I purchased a vehicle from Carvana and entered into a financing agreement with XXXX. 
During the process, Carvana presented me with the loan documents from XXXX. 
At no point was the arbitration clause in the loan agreement explained to me, nor was I informed that I had the right to opt-out or decline it. 
Upon reviewing the documents later, I discovered the arbitration clause and realized that I had not been properly informed about it. 
I contacted XXXX and Carvana to address the issue, but they refused to remedy the situation or provide a satisfactory explanation. 

Violations : Truth in Lending Act ( TILA ) : Failure to provide clear and conspicuous disclosure of the arbitration clause. 
Unfair and Deceptive Acts and Practices ( UDAP ) Laws : Misrepresentation and lack of proper disclosure by Carvana. 

Desired Resolution : I request that the CFPB investigate these practices and ensure that both XXXX and Carvana comply with all applicable laws regarding clear and transparent disclosure of loan terms. 
I seek the removal or invalidation of the arbitration clause from my loan agreement. 
I request compensation for any damages incurred due to these violations. 
I request that measures be taken to prevent such practices from affecting other consumers in the future. 

Supporting Documents : A copy of the loan agreement with XXXX, including the arbitration clause. 
Any communication records with Carvana and XXXX regarding this issue. 

Declaration : I declare that the information provided in this complaint is true and accurate to the best of my knowledge. 

Signature : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: NJ

Complaint narrative:
I strongly advise against including this suspicious entry on my credit report. It does not belong to me, and its presence is highly concerning. Please take the appropriate measures to rectify these inaccuracies.

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 2024-05-22 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 grumbling to EQUIFAX was the aftereffect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the Federal Credit Reporting Act, nor did they respond to it. 
As a result, I am writing this complaint to ask for help blocking or deleting the items in question because they found to be illegal and incorrect.

Company response to consumer: Closed with non-monetary relief