vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MoneyLion Inc.
State: KS

Complaint narrative:
On XX/XX/XXXX, I Received a direct deposit from VA-XXXX for {$10000.00}. I sent my Wife {$1300.00} and went to a Car Dealership in XXXX XXXX, Kansas. Found a vehicle my wife and I thought would be our next vehicle so we tried to finance the vehicle. Proceeded to finance it with {$7000.00} using XXXX XXXX. Had to split the transaction due to not being able to transfer that amount at once. Used {$3000.00} down from MoneyLion.

MoneyLion Locked my account due to " Spending more than {$10000.00} in 30 days '' -from MoneyLion Support Rep I asked the next person I called to transfer or maybe it was the same one, regardless the amount of times I have talked to the support is crazy. 
I tried to have {$4900.00} sent to my physical bank and it somehow ended up getting put into an investment portfolio which is down to {$4700.00}. I called to have it cancelled and corrected and then they froze those funds. 
It has been over 30 Days since I have started calling them more than once a week. They advise me every time to keep waiting for an email and that someone will be in contact. I have submitted my identity verification and everything. 

The {$3000.00} that was paid to The XXXX XXXX XXXX XXXX was XXXX. 
The Sales Manager was kind enough to refund the money after telling them what happened. I showed them my card number to use as a visual on their machine and they tapped it to their machine instead initiating it to go to a different card then the MoneyLion bank. 
The {$3000.00} got sent to XXXX XXXX. 
After weeks of going thru talking to people I found out the Money went to XXXXXXXX XXXX 
XXXX XXXX claims the dealership canceled the refund and they have no held Funds. 
XXXX in XXXX XXXX Says the Money was Sent to XXXX XXXX and there was no Credits to their Account. 
Besides for the {$3000.00}, the Money in my MoneyLion Investment account is down to {$4700.00} so it has gone down over {$100.00}

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 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX XXXX {$480.00} XX/XX/XXXX XXXX  XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXXXXXX {$1600.00} XX/XX/XXXXXXXX  XXXX XXXXXXXX {$710.00} XX/XX/XXXXXXXX  15 U.S.C, 1681section 602 A . States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 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 2023-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this 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 2023-08-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The Following Inquiries do not belong to me : 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
In accordance to the credit reporting act this creditor has violated my rights, under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 6048 A section 2 Consumer reporting agency can not furnish an account without my written instructions, under 15 USC 1666B A creditor may not treat payment on a credit card account under an open end consumer plan has late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX  XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX & XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX XXXX account # 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.

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 2023-08-17 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXXXXXX XXXX  XXXX XXXX account # XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

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 2023-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
I have tried to get Information on original contract and history signatures. Nothing in writing is supplied that makes debt valid that I am liable. The company is DRS XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion, XXXX and XXXX are reporting closed accounts as currently late by placing information inaccurately onto my consumer report. XXXX XXXX account was paid and closed in XXXX of XXXX. However, I am currently being reported as currently late every month while showing a XXXX balance. ( See attachment ) XXXX XXXX XXXX Nevada is reporting this information purposely in this way to lower my score. The credit agencies have said that their hands are tied with respect to updating the information and that I would have to subpoena the results of the investigation if I wanted them. I have never received any results of the investigation I am requesting showing that the furnisher updated the CRA with accurate information. 

Furthermore, per U.S Code 1692a my transactions and experiences are not to be shared with anyone except the organization and this is a direct violation of my rights as a 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 non-monetary relief
Consumer complaint received 2023-08-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX, Experian and XXXX are reporting closed accounts as currently late by placing information inaccurately onto my consumer report. XXXX XXXX account was paid and closed in XXXX of XXXX. However, I am currently being reported as currently late every month while showing a XXXX balance. ( See attachment ) XXXX XXXX XXXX Nevada is reporting this information purposely in this way to lower my score. The credit agencies have said that their hands are tied with respect to updating the information and that I would have to subpoena the results of the investigation if I wanted them. I have never received any results of the investigation I am requesting showing that the furnisher updated the CRA with accurate information. 

Furthermore, per U.S Code 1692a my transactions and experiences are not to be shared with anyone except the organization and this is a direct violation of my rights as a 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 2023-08-17 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX  XXXX # XXXX - IDENTITY THEFT 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 of 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 2023-08-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XX/XX/2023 I request my credit report to find out that this was reporting wrong I've disputed this item 2 time. First delinquent day is reporting wrong, the month of XXXX do not show any data but still reporting late in the status history. The account is charged off with a balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 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: EQUIFAX, INC.
State: CT

Complaint narrative:
XXXX XXXX XXXX has a hard inquiry that i don't recognize on XXXX and XXXX XXXX gets me a hard inquiry for a Business card application that they mentioned would not affect the personal credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
XXXX XXXX XXXX has a hard inquiry that i don't recognize on Experian and XXXX XXXX gets me a hard inquiry for a Business card application that they mentioned would not affect the personal credit score.

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 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
The company in dispute is NetCredit. My loan through them started at {$2500.00}. I have never been late, and payments automatically come out of our account every two weeks. NetCredit will not update my account with the credit reporting agencies. My current balance is {$1500.00}. NetCredit keeps reporting that Im at or over my credit limit. Thats nearly a {$1000.00} difference and I want it fixed asap, because its not helping my credit with their false balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
XXXX XXXX I received my credit report to see items being reported in correct. It show the wrong date of being delinquent and a past due amount on a charged off account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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: FL

Complaint narrative:
The Following Inquiries do not belong to me : XXXXXXXX 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 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 2023-08-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The Following Inquiries do not belong to me : XXXXXXXX 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 XXXX XXXX XXXXXX/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 2023-08-17 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: MI

Complaint narrative:
They said there was able to verify the information and they did not tell me how they viried the information. Sent letters to them and asked for proof and they have not sent any thing

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 2023-08-17 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: MI

Complaint narrative:
They said there was able to verify the information and they did not tell me how they viried the information. Sent letters to them and asked for proof and they have not sent any thing

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 2023-08-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants' Credit Guide Company
State: FL

Complaint narrative:
Went to Doctor for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, diagnosed XXXX and I shared my insurance information with doctor, he suggested treatment which consisted in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for a few sessions, doctor never explained that this XXXX was not covered by my insurance and now I have a collections agency calling and negatively affecting my credit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: LendingPoint Holdings LLC
State: FL

Complaint narrative:
I applied for a loan with a company known as XXXX XXXX in an effort to start an online business. I was approved for XXXX. The Financing company was XXXX XXXX and their number is XXXX. After I got into the members area of XXXX XXXX I found that I didnt want to move forward with the project. I signed up XX/XX/2023 and wanted to change my mind XX/XX/2023. I called Lending Point XX/XX/2023 and asked if I could just return the XXXX and the representative said yes and that I had to reach out to the merchant XXXX XXXX. I also reached out to XXXX XXXX via telephone to make them aware as well. XXXX XXXX has refused to give the XXXX back even though I have sent numerous emails stating I dont plan on moving forward with them. XXXX XXXX told me they could not do anything as XXXX XXXX will not return the funds to have the loan cancelled out. I now have an attorney working with me in this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-17 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: Upstart Holdings, Inc.
State: NC

Complaint narrative:
Final payment on loan with automatic payments was never taken and I was unaware that there was a remainder left on the loan and it went delinquent Auto payments were made on time in amount of {$830.00} for entire term of loan Remainder amount of {$72.00} was never drafted from my account or added to last payment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
BB & T now Truist Bank gave a 30-year mortgage loan to my mother in XXXX. She was XXXX XXXX XXXX at the time. She passed away in XXXX and her case was just resolve in probate court. After she passed away, I called the bank regarding the loan, but no one could provide me any information regarding a freeze on the payment because of her passing away. I called for four months in a row, and they always said that someone would call me back, but I never received a call back, so I gave up. I find the practice of giving a 30-year loan to an XXXX highly suspect knowing the likelihood she would live that long to repay was almost zero. We could not make her mortgage payment for her and the bank did not seem to care. Now they sent legal papers regarding foreclosure.

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 2023-08-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
XX/XX/2022 for XXXX I tried telling them this is not my account is shows as closed. Keeps posting on my collections. It is not my account from XXXX XXXX XXXX I've never even left XXXX XXXX so this is not my account and they are aware they refuse to remove it off my collections and it's affecting my credit.

Company response to consumer: Closed with non-monetary relief