vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
XX/XX/XXXX I called the company ally financial to try and pay of whats left of my load total balance {$5800.00} which is stated on my account with a payment due of $ XXXX breakdown of the {$4000.00}, includes current payment XXXX, past due {$1800.00}, late charges {$1000.00}, other charges {$400.00} but the representative of the bank told me the payoff due is {$7300.00} without any explanation other than when the car was repossessed and that I still own money for the tow and fees also it saids on the account 6 payments left and 1 pending which is due XX/XX/XXXX XX/XX/XXXX I called the company to speak with someone about the payoff load and they couldnt give a answer why I cant pay {$5800.00} which is my total balance on the account and to get my title but they will send a letter which it will collect more interest due to the message if paid after XX/XX/XXXX I will pay an additional {$1.00} of interest

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 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, 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:
ccordance with the Fair Credit Reporting act. The List of accounts below has violated my In accordance with Fair Credit Reporting Act the listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( 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 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, 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:
ccordance with the Fair Credit Reporting act. The List of accounts below has violated my In accordance with Fair Credit Reporting Act the listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( 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 2023-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rubin & Rothman, LLC
State: NJ

Complaint narrative:
I had fund taken out of my account with no prior warning, company is stating that i was served with a letter, that never happen. 

I never applied for a credit card or loan with XXXX XXXX  XXXX. 

XXXX Rubin and rothman llc # 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 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Why am I losing points on my credit score for a collections removal? Please make this make sense to me that Im penalized via my credit score for having a collection removed that shouldnt have been there in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern TransUnion XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX UPDATE MY NAME, THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX UPDATE MY NAME, THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX XXXX XXXX XXXX  # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
spoke with a representative who no matter the times i declined to reconsolidate a loan of XXXX yrs due to i am physically unable to work anymore and i am retired. i am not able to pay anything on this loan. my health for the last XXXX yrs has been a challenge. the conversation frustrated me aand i am already depressed from having to had retire XXXX from the XXXX XXXX. employed over XXXX yrs. not what i expected at all. Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA. XXXX XX/XX/XXXX TransUnion Consumer Relations XXXX XXXX XXXX XXXX, PA XXXX Subject : Demand for Payment for Defamation of Character Dear TransUnion Consumer Relations, I am writing to address not only the mishandling of my original complaint : XXXX but also the detrimental impact it has had on my reputation due to the inaccurate information on my credit report. The false reporting has resulted in significant harm to my character, and I demand proper compensation for this act of defamation. 

Despite my sincere efforts to dispute the inaccuracies in my credit report, the previous resolution process fell short, failing to rectify the situation effectively. As a result, my credibility and financial standing have been unjustly tarnished, causing distress and potentially affecting my ability to secure loans, housing, and employment opportunities. 

Given the severity of the situation, I demand immediate action to remove the false information from my credit report and provide written confirmation of its removal. Furthermore, I expect appropriate compensation for the damage caused to my character, in accordance with applicable laws and regulations governing defamation of character. 

I kindly request that you address this matter with the utmost urgency. Failure to comply with this demand for payment and resolution may result in further legal action to protect my rights and seek proper redress. 

I expect a prompt response from your organization, acknowledging receipt of this letter and outlining the steps you will take to rectify the situation. Your cooperation and adherence to the legal standards of credit reporting are crucial in resolving this matter amicably. 

Thank you for your immediate attention to this serious issue. I anticipate a swift and satisfactory resolution. 

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 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XXXX I received emails from XXXX, XXXX and XXXX advising that three hard inquiry 's were made on XXXX. The inquiries were made by XXXX, Capital OneXXXX and XXXX XXXX  XXXX XXXX for credit. My credit score was immediately dropped. I contacted the credit reporting agencies by phone to let them know that I did not apply for credit from XXXX, Capital One or XXXX XXXX XXXX. I also disputed these inquiries with the agencies online. I explained that I already have credit cards with Capital One and Discovercard and I have never heard of XXXX XXXX XXXX. I was told that I need to contact XXXX, Capital OneXXXX and XXXX XXXX  XXXX directly and let them know that I did not apply for credit from them. I spoke with representatives from all three companies and was advised that these accounts would be closed and reported to their fraud department and they would contact the three credit monitoring agencies to have the hard inquires removed. 

I immediately put a freeze and a fraud alert on my XXXX, XXXX and XXXX accounts. 

It became clear to me that someone was trying to steal my identity because on XXXX I received a change of address verification from the U. S. Postal Service that was made on XXXX. Someone was trying to get my mail sent to them. I immediately contacted the USPS and let them know that I did not request an address change. I was contacted by the Post office on XXXX and provided with the address the mail was to be forwarded to. I then spoke with Detective XXXX XXXX and filed a police report on XXXX with XXXX Police Department in XXXX, TN providing them with all of the information I received from the Post Office on the person trying to steal my identity. This report can be obtained from XXXX XXXX XXXX XXXX Department Case No. XXXX. I also reported this to FTC Identity Theft. Enclosed is a copy of the report. 

All three credit monitoring agencies have removed the hard inquiries of XXXX and XXXX of XXXX. However, the Capital OneXXXX hard inquiry was removed only from XXXX and XXXX but has NOT been removed from XXXX. I have disputed this with XXXX several times and they continue to leave this hard inquiry on their report. 

I am requesting that XXXX remove this unauthorized Hard Inquiry by Capital OneXXXX from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: MO

Complaint narrative:
I applied for a title loan but had planned to pay it off before the first payment. That was not possible so I made the first payment. I was not given a copy of the agreement but was told I could get it online. I tried for several weeks to do this and it was not available. I went directly to the office to get a copy. I subsequently discovered that as a surviving spouse of a veteran that I should not have been charged such a high rate of interest. I also did not realize that all payments would go directly to interest for many months. This was not disclosed to me in person. 
The company is TitleMax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

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 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, 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: MI

Complaint narrative:
I'm making this complain because i notice multiple unauthorized inquiries on my transunion credit report. 

Inquiries include : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Coinbase, Inc.
State: CO

Complaint narrative:
On XX/XX/23 i tried to add cash to coinbase for additional investing in crypto. My account showed an error so i contacted customer service to find out what's going on. They told me that my account was restricted and i could no longer add cash, buyer or sell crypto, or make withdrawals. I opened an investigation with coinbase and they closed it XX/XX/23 without any further information being communicated to me. On XX/XX/23 i contacted customer service again to find out what the results of the investigation were, they would not give me any additional information. They said after XX/XX/23 i could ask them to investigate this again. They point me to a link that indicates i may have a restricted account because a deposit may have been rejected or i haven't been using a verified account, i would rebut both of these by saying i have not had any rejections by my bank and i've been using the same bank account for years. this seems fraudulent. How can they get away with doing this to consumers and not have to be accountable to any regulatory agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I have continued to watch the HAF pay. Today I was told by XXXX that Rightpath did receive the payment and my home is still in foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, 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:
Re : XXXX XXXX I filed a dispute with XXXX around XX/XX/XXXX in which the item could not be verified, so the item was deleted. Later, it was reinserted. I reached out to them about the reinsertion and requested a deletion, but they continue to report this inaccurate account on my credit file. 

I filed a dispute with Equifax who was reporting a monthly payment amount of {$47.00} when XXXX and XXXX was reporting {$0.00}. Upon filing a dispute with Equifax, they updated the monthly payment to {$0.00}, but also changed the first reported delinquency date to XX/XX/XXXX when they first had it reported as XX/XX/XXXX. There are too many inaccuracies and contradictory information being added and removed by all 3 bureaus ( XXXX, XXXX, and Equifax ), and is a violation of 15usc 1681eb. I want this account removed from my credit file with all XXXX bureaus immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc.
State: IL

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. PLEASE BLOCK AND REMOVE IT. 
XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX  Date XXXX Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023 & XXXX XXXX Date of XXXX XX/XX/2023

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 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In an effort to get personal information that does not belong to me removed from my Equifax credit report, I have called Equifax on numerous times. They refuse to correct the information.

Company response to consumer: Closed with non-monetary relief