vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
Back in XXXX XXXXXXXX was offering something called a debt cancellation clause. It is completely different from gap insurance or any other XXXX warranty that they provide. 

At the moment, XXXX took full payment for my debt cancellation clause Now, when I am trying to use the debt cancellation clause, which they took payment for they are denying it. 

My son purchased a XXXX XXXX from the same dealership a couple years after And we noticed that it is the same agreement and that they no longer offer the cancellation clause for vehicles that are being financed. 

It is very obvious that this is a product for the product that they used to serve and are no longer doing it. 

Unfortunately, they told me that if I ever needed exercise, I would need to purchase it. It was completely optional, and I still made payment for it just in case something ever happened in the future now that I am trying to exercise the debt cancellation clause, XXXX wants to act like it doesnt exist, but it is clearly stated inside the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: IL

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Citibank informed me that they were closing my accounts a while ago, but they are still open and only blocked. My Citibank checking account had a balance, and I have yet to receive the check for that balance. I simply want my Citibank accounts unblocked so I can use them. I really love Citibank, and I would greatly appreciate the opportunity to continue as a customer, especially since I just opened these accounts a few months ago and they were immediately blocked.

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 2024-08-30 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
I am unable to view or get my credit report from equifax. I have not been able to get it since may. I reached out to them in XXXX and was told there was a internal block on my report and in order to remove it I would have to send in a letter and a picture of my drivers license and social security card. I did this in XXXX. I called back and they said they still arent able to lift the block. When I look on the website it says blocked for promotional purposes, Im not sure what that means. I can not see the items on my credit report, there for I cant fix my credit. I have tried multiple times to fix this issue, may you please get my account fixed so I can see my credit, thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
My loans should be returned to In-school deferment reporting status. I'm currently a student and the school has verified that. I've asked several times with several escalations and reassurance that this will be corrected. They currently show my student loans, which are due in XXXX. This is incorrect... the school has verified my full-time status as well. Please review attached photos of loan status ' and student status as reported by my school.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 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: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Activehours
State: PA

Complaint narrative:
On XX/XX/year> I applied for a payday advance through the Earnin app. I put in my email and did the entire process and it said I was approved for XXXX I connected my bank and it said I had a previous account. It took my bank account information and has it set up to take XXXX dollars of a past loan I did not authorize from an email address that I did not use to XXXX XXXX for the date I stated, Someone used my XXXX address apparently in the past, and now Earnin is attempting to take money using my checking account I did not give authorization to

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing a formal complaint regarding inaccuracies on my credit report and the lack of response to my disputes. The information on my credit report is not 100 % accurate, as mandated by the Fair Credit Reporting Act ( FCRA ). Despite multiple attempts to correct these inaccuracies, my concerns have been ignored by the credit reporting agency and the creditor involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2024-08-30 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am filing a formal dispute regarding a collection account reported by Portfolio Recovery Associates on my credit report. This account, listed under the reference number and amount of {$1000.00}, was reported on XX/XX/2024. I dispute this account on the grounds that I have no contractual agreement with Portfolio Recovery Associates, nor has there been any verification of the debt or assignment transfer contract provided that would legally authorize them to collect on this debt. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the right to request validation of this debt. Despite this right, no validation has been provided, and Portfolio Recovery Associates has failed to produce any documentation establishing their legal authority to collect on this alleged debt. Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, it is unlawful to report inaccurate or unverified information on my credit report. The absence of a signed contract, valid assignment, or verification of this debt confirms that this collection account is both inaccurate and unverifiable. I am also filing this complaint against XXXX for reporting this inaccurate and unverified collection account on my credit report. XXXX has a legal obligation under the FCRA to ensure the accuracy of the information they report. By continuing to report this erroneous account without proper verification, XXXX is in violation of the FCRA. I am requesting the immediate deletion of this account from my credit report by both Portfolio Recovery Associates and XXXX. I urge the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter and take appropriate action to ensure compliance with federal laws. I expect this issue to be resolved promptly and request confirmation that this account has been removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: SC

Complaint narrative:
Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID, Proof of Address with my most recent bill and SSN 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 2024-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
Fraud department somehow thinks that my standard rent payment which has been made monthly for almost 3 years is now " suspicious ''. They have cancelled my payments EVEN AFTER SAYING THEY WOULD NOT. 

I have no recourse and guess what, rent is due. Unbelievable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
12 CFR 1002.6 ( b ) ( 6 ) states, in part, that " To the extent that a creditor considers credit history in evaluating the creditworthiness of similarly qualified applicants for a similar type and amount of credit, in evaluating an applicant 's creditworthiness a creditor shall consider : On the applicant 's request, any information the applicant may present that tends to indicate the credit history being considered by the creditor does not accurately reflect the applicant 's creditworthiness ... '' I literally just want to know what information I can submit that will tend to prove that information on my credit report is not indicative of my creditworthiness. That is it. These people have responded to my email about this issue and, in the email, they told me to call but I don't have phone service and nobody every answers. They easily just EMAIL me the information that I have requested but they are XXXX  and I don't have time for the XXXX. 

I do NOT have a loan with OneMain Financial but would like to obtain one.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: AZ

Complaint narrative:
I have been disputing this information and Experian is not taking my dispute serious. These accounts were opened due to identity theft and they are refusing to delete it. Here is a copy of my ftc report again so that they have all of the information to delete this off my credit report immediately, as stated before this was opened with identity theft and is not my account. I did not receive goods or services from these companies.

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 2024-08-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: LA

Complaint narrative:
I have repeatedly asked for these two accounts to be removed from my credit report. I have asked through the credit bureaus and I have sent validation of debt letters by certified mail. The credit bureaus say they verified but wont tell me how they verified and NCA will not answer the validation of debt letters

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I have homeowners insurance through California Fair plan. Rocket mortgage, for some reason, double paid ( I had already paid the insurance company ) my insurance carrier and then demanded an escrow account from me to pay them this money back plus insurance payments moving forward ( which I already paid with the insurer ) and a " shortage '' that the established was in my escrow account due to them double paying and demanding the escrow that had no business being there. 

I know that they should have opened an escrow account for my property taxes as they were unpaid, but they had no business double paying my homeowners insurance and then billing me for it and future payments and an escrow shortage. 

I want them to remove the escrowed insurance amounts and shortage since I had already paid for my insurance and provided proof. Then, they need to adjust the monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XX/XX/year> I received an email that my experian profile was updated. I did not update it, so attempted to log in directly. I was unable to log in and my phone number was no longer associated with my account. I was unable to proceed. I tried for 3 hours to get a person on the phone for fraud. 100 % autoattendant who could do no more than I could as self service. Called the California business office where I sat on hold for over an hour until it disconnected. Emailed the support desk, but there is no reply. This is absolutely unacceptable for a service that I subscribe to, and worse, this is a service that has access to all of my identity information. I'd like CFPB to hold Experian accountable for having service desk agents or chat agents for urgent assistance when their own accounts are subject to fraud. Thank you.

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