vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-26 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: American Credit Acceptance, LLC
State: GA

Complaint narrative:
RE : Dispute Request for Removal under 15 USC 1681a ( 2i ), and 15 USC 1681c ( 5 ) of the Fair Credit Reporting Act ( FCRA ) : AMERICAN CREDIT ACCEPTANCE-XXXX Dear AMERICAN CREDIT ACCEPTANCE : I am writing to formally request the immediate removal of the above-mentioned account from all of my consumer report ( s ). The inclusion of this inaccurate and outdated information constitutes a violation of my consumer rights under the FCRA, specifically : -15 USC 1681a ( 2 ) - : The reporting of inaccurate, outdated, or the information in my consumer report is prohibited. This account is prohibited and illegal to be reported on my credit/consumer report because it is a violation of 15 USC 1681a ( 2i ) : ( 2 ) Exclusions. consumer report does not include ( i ) a report containing information solely as to transactions or experiences between the consumer and the person making the report ; this account has listed the transactions and experiences on my consumer report and this is prohibited by federal law. 


-15 USC 1681c ( 5 ) - : The FCRA grants me as the consumer the right to have obsolete information removed from their reports. This account is obsolete due to : being a direct volition and is in violation of -15 USC 1681c ( 5 ) - ( 5 ) : Any other adverse item of information, other than records of convictions of crimes are to be excluded. This account is no such.

Impact of inaccurate reporting : This act of reporting this account on my consumer report has caused me significant emotional distress, financial strain, and disruption to my daily life as well as loss of opportunities to increase income and also leverage to receive credit and loans. This is a direct violation of 15 U.S. Code 1691e, 15 U.S. Code 1691c, 15 U.S. Code 13, and 15 U.S. Code 1691. 
AMERICAN CREDIT ACCEPTANCE has compromised my financial stability and contributed to a deep sense of insecurity about my future financial well-being, reducing my ability to make a good living for myself and my family. I am experiencing heightened levels of stress, XXXX, and XXXX as I grapple with the loss and navigate the challenging financial consequences. 
It is difficult to remain focused and productive while coping with this overwhelming sense of loss and uncertainty. I have spent several hours in therapy to remedy the stress of potential losses, however, this has damaged the situation so much more.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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: FL

Complaint narrative:
Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal Per 15 usc 6802 Consumer reporting agencies Equifax, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent per usc 1681 I have disputed, called and requested removal of inquires that i didn't give authorization to A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Never was i informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C IT is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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: TX

Complaint narrative:
Despite XXXX written requests, the unverified items still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly. You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. In Accordance with the Fair Credit Reporting Act these Creditors have Violated my rights under Title 15 U.S.C 1681 602 States I have Right to Privacy Title 15 U.S.C Section 604 ( a ) Section 2, it also States a Consumer Reporting Agency can not Furnish an Account without my Written Instructions Under Title 15 U.S.C 1666 ( b ) ( a ) A creditor may not treat a payment on a credit card account under an open end 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 2023-12-26 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: MoneyLion Inc.
State: MI

Complaint narrative:
I have been attempting to dispute fraud on my credit report for months, experian keeps denying it and not blocking the information. 

their last resonse to me was for me to call some lady, and that number continues to go to voicemail. This needs to be taken care of. 

by the FCRA i just need to send the FTC affidavit ( which only allows 5 companies ) a copy of my id, and a bill with my name and address on it. 

they are also refusing to remove an XXXX account that is being reported wrong, even after I have sent them a copy of the administrative judges order. 

these fraudulent accounts are XXXX XXXX XXXX XXXX XXXX XXXX moneylion XXXX XXXX XXXX XXXX ( n which i currently have an open fraud investigation with the FCC/FTC ) these need to be BLOCKED. 

of course I will be filing seperate complaints about each of these companies shortly..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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: Kikoff Inc.
State: MI

Complaint narrative:
I have been attempting to dispute fraud on my credit report for months, experian keeps denying it and not blocking the information. 

their last resonse to me was for me to call some lady, and that number continues to go to voicemail. This needs to be taken care of. 

by the FCRA i just need to send the FTC affidavit ( which only allows 5 companies ) a copy of my id, and a bill with my name and address on it. 

they are also refusing to remove an XXXX account that is being reported wrong, even after I have sent them a copy of the administrative judges order. 

these fraudulent accounts are kikoff lending open sky first premiere moneylion Possible finance XXXX XXXX ( n which i currently have an open fraud investigation with the FCC/FTC ) these need to be BLOCKED. 

of course I will be filing seperate complaints about each of these companies shortly..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
My mortgage company got sold to MrCopper. I am having a hard time trying to access my accounts and pay my mortgage. I am afraid that they were not able to pay my bill and I am really worried about my escrow/taxes. 

I think the site got hacked. Please advice!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
After my lease was returned to XXXX XXXX on the return date ( XXXX ), the dealer rep told me everything was taken care of with my lease return and nothing needed to be done. 

XXXX claimed I contacted them to notify the lease was returned in XX/XX/XXXX. 

XXXX claimed to send me settlement letter to my address which I never received- mail was the only contact method claimed that they used, but I received no notifications of this. 

Received notice that my credit score dropped over 100 points and that there was a charge off on my account around XXXX XX/XX/XXXX, I immediately paid this charge that I was just notified of. 

Received a claim response from XXXX with XXXX XXXX which was very thorough but incomplete, when trying to contact her or her team to provide the odometer statement for proof I have been unsuccessful. 

XXXX XXXX is a terrible company to deal with and it has been very frustrating and time consuming.

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 2023-12-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: VA

Complaint narrative:
I submitted an application to Mohela for loan forgiveness through the XXXX program on XX/XX/XXXX. Mohela stated that they submitted the forgiveness application to the Department of Education, specifically to XXXX. Mohela would not provide the date that they submitted the package to XXXX and the Mohela representative told me to contact XXXX directly for that information. I contacted XXXX on XX/XX/XXXX and the XXXX representative informed me that the last XXXX form they had any record of for me was from XX/XX/XXXX and that Mohela had not submitted the XXXX form to them for the XX/XX/XXXX application for forgiveness that I had submitted. 


XXXX website indicates that they will process XXXX applications within 30 days, they took almost 60 days to process my application internally, and now after almost 4 months XXXX has no record of Mohela submitting this application to them. Mohela must submit this application to XXXX for forgiveness ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 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: VA

Complaint narrative:
15 U.S. Code $ 1681c-2 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCT of the consumer to whom it relates. I NEVER gave any consumer reporting agency the permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the ACCOUNTS, listed IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 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: VA

Complaint narrative:
15 U.S. Code $ 1681c-2 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCT of the consumer to whom it relates. I NEVER gave any consumer reporting agency the permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the ACCOUNTS, listed IMMEDIATELY!

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 2023-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I was contacted out of the blue regarding an alleged debt of {$13000.00} that I supposedly owed on an account with Bank of America that I never opened nor had received any correspondence in regard to. 
I had numerous calls from their representatives and explained to each of them that I hadnt any account with them. This went on for over a year on and off and my credit score was destroyed as a result. 
I recently received a summons from the XXXX XXXX XXXX that I was being sued by BOA for a debt I never incurred. In addition, the address they are using is in Rhode Island. I live in XXXX Ohio and have for over XXXX years. I responded to the summons last week and will be in court when instructed but I know there is no evidence against me because I never applied for anything from BOA and they refused to send me anything that indicates I did. I am in the process of retaining an attorney to sue BOA for all the grief they have caused as well as the damage to my credit rating and reputation.

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 monetary relief
Consumer complaint received 2023-12-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX I bought XXXX ( XXXX ) American Express gift cards at XXXX. Each gift card was {$100.00} and the activation fee was {$6.00}. In total I spent {$210.00}. When the people ( XXXX ) I bought these gifts cards tried using the gift card online or in store on XX/XX/XXXX and XX/XX/XXXX they received declined messages. On XX/XX/XXXX from XXXX, XXXX. I was on the phone with an American Express gift card representative. I provided them information of the gift card per their request. This included full card number, expiration date, and security code. The representative told me the card was active and had funds, but for security purposes I could only use it with certain merchants. When I asked to give me a list of those merchants, the representative said they could not give me the information as it was against their security guidelines. I asked why the card didnt advertise it could only be used with certain places and they said they didnt know. On XX/XX/XXXX and XX/XX/XXXX I checked the balance of both gift cards, which shows their active and have funds. It does not show why they keep on getting declined. Per XXXX store policy, I cant return the gift cards. In summary, I lost {$210.00} on gift cards that cant be used and XXXX cant get my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Per the Fair Credit Reporting Act, I XXXX XXXX XXXX the federally protected consumer, am now opting of any and all authorization. 

Please see the attached notice ( s ) I have also attached the first notice that was sent to XXXX that has been ignored.

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 2023-12-26 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: NC

Complaint narrative:
This is XXXX XXXX with new & updated information about my recent complaint XXXX. Equifax failed to remove the following XXXX inquiries in XXXX business days pursuant to 15 USC 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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: VA

Complaint narrative:
15 U.S. Code $ 1681c-2 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. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCT of the consumer to whom it relates. I NEVER gave any consumer reporting agency the permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the ACCOUNTS, listed IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 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: PA

Complaint narrative:
I have reached out to CFPB in concerns to Experian reporting unauthorized inquiries on my consumer report on XX/XX/XXXX. XXXX Experian replied by stating that these inquiries Will be removed. I have an attachment with proof that what I am reporting is accurate. It is now XX/XX/XXXX and this inquiries are currently still reporting. I am requesting for an immediate removal of these items and also I am seeking for monitary payment of {$1000.00} per violation ( each inquiry ) along with {$1000.00} for each inquiry each month that hard inquiries was on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: MI

Complaint narrative:
My name was XXXX XXXX XXXX. I did a legal name change via the courts ( I have documents and proof ) and I updated with the social security office. 


My name is now XXXX XXXX XXXX XXXX I made a new cash app account. When I try to add my phone number, it says that it is linked too many accounts. I then tried to sign in with my phone number to delete the old account and it says, " you can not sign in, your number is linked to too many accounts ''. 

My number is ( XXXX ) XXXX, I need my number connected to my new account and removed from the old account. 

new cash apXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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:
XXXX XXXX XXXX I am reporting a fraudulent inquiry found in my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX I am reporting a fraudulent inquiries found in my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Per the Fair Credit Reporting Act, I XXXX XXXX XXXX the federally protected consumer, am now opting of any and all authorization that may have been given Please see the attached notice ( s ) I have also attached the first notice ( s ) that was sent to each corporation that has been ignored.

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