vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2023-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
I have no knowledge of this account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XX/XX/XXXX. Payment of {$500.00} auto payment setup by XXXX XXXX ACH payment to Sychrony bank or Paypal Credit. Listed as Paypal Trace Number XXXX Also see letter from XXXX XXXX XXXX XXXX. 
On XX/XX/XXXX I received an letter from Paypal credit stating my payment on XX/XX/XXXXXXXX  was returned and that it will be placed back on my account and may be subject to late fees. I checked with XXXX XXXX XXXX XXXX ( XXXX  ) and the {$500.00} payment was deducted and ample funds was available. I called Paypal and they said they need to see a front and back of the check and XXXX said they can give me a letter, but do not have a front and back since this was an XXXX or ACH electronic payment. I have also attached a copy of the email verifying that I have made a payment to Paypal from Paypal credit. They have given me a Temporary credit, but they will only accept a front an back of check. I have included my bank statement that proves the payment was deducted and paid. Not returned as stated by Paypal. This has happened to many customers based on line. I am reviewing my statements from Paypal for the past two years to see if it has happened before. I do not want the charges to be placed back on my credit card account since I will be paying off the balance and closing the account. Please investigate for this should be a violation of XXXX XXXX act of XXXX. I am not looking for monetary, but justice that this will not happen again.

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 2023-10-03 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: NY

Complaint narrative:
These accounts are recorded in an inappropriate way in my history, I want it to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 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: NY

Complaint narrative:
These accounts are recorded in an inappropriate way in my history, I want it to be deleted XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2023-10-03 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: Cascade CISS Holdings, LLC
State: NY

Complaint narrative:
Inquiries were not removed as requested and the company which pulled these inquiries can not verify or validate the inquiries as valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I had a mortgage with XXXXXXXX XXXX They sold my mortgage to XXXX XXXX. This resulted in my credit report tanking over XXXX points. Both credit bureaus say this is normal and my credit should bounce back in 3 months or so. I do not accept this. I did not authorize or ask for my mortgage to be sold. If XXXX wants to sell my mortgage that is fine, but these types of transactions should not affect my personal credit score. That score is used for insurance rates, loan rates, etc. I should not be penalized for transactions that are beyond my control. This complaint is about Experian and XXXX and how credit is reported. A mortgage being sold should reflect that way so credit bureaus can properly report. I shouldn't have to pay a higher rate on a loan because my score was showing low due to something completely out of my control.

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 2023-10-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
The removal of the security interest, seeing there is no lien on the property in which they repossessed. I am asking them to remove this account from my credit profile as it is a violation of my privacy and I have not consented to them reporting my private information to a third party CRA, or if they can provide the proof of me agreeing to consent to them reporting my private information. It also has come to my attention that the CFPB has filed a class action lawsuit against CREDIT ACCEPTANCE for the predatory lending and the misrepresentation of the cost of credit and tricking its customers into high-cost loans. They're reporting this collection is having an adverse reaction to my credit worthiness.

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 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-10-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Earnest Inc.
State: UT

Complaint narrative:
XX/XX/XXXX : I submitted my documentation and my loan was approved, confirmed the money should be sent to XXXX XXXX XXXX servicer for private loans and NOT to XXXX for federal loans, made sure documents showed where to send check to, confirmed check should be sent to : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX : received an email that loan payoff was sent to XXXX, not XXXX. Contacted them via chat and Earnest said XXXX is serviced by XXXX, so the check would need to be sent there XX/XX/XXXX : {$15000.00}, check was disbursed and sent to servicer XXXX XX/XX/XXXX : reached out to Earnest via email to let them know that XXXX is not serviced by XXXX and they sent the check to the wrong place, I confirmed this with XXXX Between XXXX XXXX I chatted and emailed with many people who told me they would cancel the check and reissue to the right address and servicerXXXX XXXX 

XX/XX/XXXX : XXXX said check was sent to XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX, I replied to the email and said XXXX is not the servicer and payment should have been sent to XXXX  but got no reply XX/XX/XXXX : chatted with virtual assistant who said to chat back during the week XX/XX/XXXX : email from XXXX who spoke with XXXX, a rep I was previously working with, She said XXXX would be returning the check so they could reissue the check to XXXX, she also acknowledged I submitted my documentation showing the XXXX loan details and payment address XX/XX/XXXX : XXXX reached out to me via email saying she confirmed her treasury team did send the check out incorrectly and it is their mistake, they are working on a resolution and will defer my payments, confirmed it may take some time, she will be my point of contact until this issue is resolved XX/XX/XXXX : sent XXXX an email stating that XXXX applied the check that Earnest sent them to my account so the payment is probably not being returned, I emailed XXXX to ask them to return funds as well XXXX later replied to my email letting me know she escalated the issue and they are still waiting for the funds to be returned, said once they have the funds back they will disburse it to XXXX XXXXXX/XX/XXXX : emailed to thank XXXX for her help XX/XX/XXXX : XXXX emailed with no updates and money had not been returned XX/XX/XXXX : I emailed XXXX asking for an update and asking if they can issue a check to XXXX in the meantime, as this was not my fault, XXXX said she'd reach out to her leadership team about a resolution XX/XX/XXXX : I emailed XXXX asking for an update and expressing I no longer want to work with them because their mistake has taken 2 months and is still not fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXXXXXX These accounts are recorded in an inappropriate way in my history, I want it to be deleted

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 2023-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
These accounts are recorded in an inappropriate way in my history, I want it to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-10-03 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: CT

Complaint narrative:
Fraudulent accounts open in my name

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 2023-10-03 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: OK

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-10-03 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: MD

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report 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 non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Fraudulent accounts open in my name

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 2023-10-03 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: CT

Complaint narrative:
Fraudulent accounts open in my name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

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 2023-10-03 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: WA

Complaint narrative:
For years I have been in an XXXX ( income based repayment ) program ( historically XXXX ). I am also participating in XXXX. After the release of the XXXX program, I applied via studentaid.gov and linked my tax information. This information was received by my loan servicer ( MOHELA ) on or around XX/XX/2023. On or around XX/XX/2023, I contacted MOHELA to inquire about the application 's status. The agent told me that it was still in process and would be addressed and processed on a first come first out basis. In the meantime, I was told, I would be placed in administrative forbearance. At that point, I inquired if I could just pay the monthly payment ( so that it would qualify for PSLF ) that had been calculated in my account ( around {$350.00} under the XXXX plan ). I was transferred to the regular line and eventually hung up because of wait time. On XX/XX/2023, I called MOHELA again. I waited XXXX minutes for a call back and was connected with an agent. I let the agent know that I was hoping to either XXXX ) expedite the processing of my IDR application for XXXX or XXXX ) get rid of forbearance and pay the rate under the XXXX plan so the payment would qualify for XXXX. The agent then informed me that I was no longer on a XXXX eligible repayment plan and had been moved to the " Levels '' plan. The agent then hung up on me after stating she was going to put me on a brief hold. I called back again, waited around XXXX minutes, and was connected with another agent. This agent informed me that my IDR application for XXXX for lack of documentation, despite the fact that I had : XXXX ) never received notice that it had been denied or that I needed to provide more information ; and XXXX ) had submitted my application on XXXX, linking my tax information. The agent confirmed that I had been placed on the " Levels '' repayment plan, despite the fact that the studentaid.gov account info on my loan 's lists me as still being on the XXXX program. I was transferred to another agent who informed me that my loan repayment due date had also been changed from XX/XX/2023 to XX/XX/2023 without notice. This agent assisted me in resubmitting an XXXX application for XXXX -- I provided the same info as what was provided in my initial application at XXXX. This agent also let me know that my XXXX non-payment ( because I am in forbearance ) would not apply to my XXXX count. She said something like " in the scheme of things, it is only XXXX month. '' My grievance : changing repayment plans and due dates without notice and a staff that is not actually able to resolve issues/change anything. This company should not be handling federal student loans if they can not handle them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: IL

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of anxiety and distress, and I am pleading with you to remove them 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