vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-29 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: Lac Courte Oreilles Financial Services II
State: IL

Complaint narrative:
On XX/XX/year>, I applied for a loan through the website ( eloanwarehouseXXXX  ) which included my name, job, income, reason for applying ( which was moving ), and social security number. After pre-approval online, the next step was for me to call a number to finish the approval process, I called the number listed : ( XXXX ) XXXX. The representative walked me through the process of verifying my income through an online bank verification platform called XXXX. He sent me a link via email and by text message. I clicked the XXXX link, selected my bank, and logged into my bank to share my information for income verification. After completion he asked me to do an online ID verification by sending me another link via email and text. I clicked the link and it was a platform that verified identities I took a snapshot of my ID, front and back then it asked me to scan my face side to side. After the identity verification, he told me to wait a few moments while he gets final approval. At this moment I could hear other people talking in the background, and I felt like it was a scam. He came back and told me that I was approved for {$1000.00} he read me my terms and conditions, and my bi-weekly payment amounts. He told me to accept the terms and conditions via email. He asked for my debit card number to instantly send the funds. After I gave it to him, he processed it, and he said oh, come on! What should I do? Then the phone went silent. At this moment I knew it was a scam and got worried. He came back XXXX seconds later and said my bank is blocking the deposit. I need to call them to unblock it. After he hung up, I logged into my online bank account and it was locked. I called XXXX XXXX explained what happened, and they confirmed that it was scammers, they immediately closed my account and reset everything. I upgraded my Iphone, and reset my password. I havent heard from the company since the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: LA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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: NC

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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 non-monetary relief
Consumer complaint received 2024-12-29 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Global Lending Services LLC
State: CA

Complaint narrative:
The company GLOBAL LENDING SERVICES is reporting incorrect information on my credit report and not attempting to correct the correct balance or payment history on all XXXX credit bureaus after two disputes and proof documents were filed with the company and the credit bureaus. The company refused to correct the report and is reporting that no payment has been made to the account on my credit report. The company refuses to investigate and fix the problem and is causing financial abuse and damaging my credit report. On XX/XX/2024 a payment was made to the company for {$960.00} confirmation number and date :XX/XX/2024 from account XXXX. The credit report shows there were no payments made and for XX/XX/2024. The account was open onXX/XX/2024 all the payment have been on time up to XX/XX/2024. The company made an unauthorized transaction causing more damage and still did not update the credit report after attempting to take more money out of my bank. As of now the company refuses to update the finance balance {$44000.00} that was on XX/XX/2024 company repotting {$440000.00} and not the most recent for XX/XX/2024 that is {$43000.00} XX/XX/2024. 

I have circled the account I dispute on the attached copy of my credit report Enclosed may be additional evidence to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: ROBINHOOD MARKETS INC.
State: MN

Complaint narrative:
I thought about using Robin Hood to trade stocks. I went on the app and began to build my profile.After doing some research I saw all of the shady XXXX that happens with Personal information on Robin Hood and decided I am not going to open a Robin Hood account. I never transferred money I never traded any financial transactions or otherwise. I never finished filling out the info for my account Because I don't want them having any of my private information. I don't want them having my phone number or my Social Security or any of my financial details about my earnings. I'm not using their system. I never finished signing up. And they are refusing to delete all of my information even though they're telling me the account is closed. I want all information erased like I didn't even exist to them. I don't want them to have my phone number or how much money I make or how much money I'm worth or my email. I did not agree or sign off to them having any of that information it's why I did not follow through with opening the account or using it. I do not volunteer any of my private information and do not agree to any of their terms for service which is why I'm trying to close out the account and all information linked to it and all information linked to it and all information linked to it. They are giving me the runaround and lying to me. I have screenshots Of my own and complaints From many others. I am an XXXX and I will be filing a lawsuit for mental and compensatory damages. I gave them a chance to delete all of my info and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I am having the same problem from last year with the escrow. Last year you helped me keep my house by protecting me. They heard you and they spread my escrow to XXXX months. That way my monthly mortgage payments were feasible.. 
I just got a letter saying my escrow is back to XXXX months. They are not sticking to there words and they are making my escrow back to XXXX mos. Making it impossible for me to pay my monthly mortgage payment. 
Phh had never helped me with anything, all they want is there money or put me in foreclosure. They never work with me. 
Please help me! they listen to you before. Help me keep my home. Thank you 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 2024-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: MA

Complaint narrative:
It appears this company acting as a debt collector has used, posed and transferred my personal identifying information without my consent or just compensation. This account is inaccurate, and the National Recovery Agency has no written authorization to use or transfer my personal identifying information. The failure to report accurately due to the identity theft has caused harm and injuries under title 15. The failure to issue a Form 1099-C to client and IRS is malicious and must be corrected. This account must reflect as paid and reported correctly to avoid additional charges under 15 U.S. Code 1611/ Account Number : XXXX. **. Opened On : XXXX Reported On : XXXX Account Condition : Closed Responsibility : Individual Payment Type : Installment Months History : XXXX Payment Status : Assigned to collection Payment Status Date : XXXX Account Balance : {$4000.00} Opening Balance : {$4000.00} Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, PA 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 2024-12-29 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: TX

Complaint narrative:
" I am disputing a series of unauthorized hard inquiries that appear on my credit report. I did not authorize these inquiries, nor did I provide consent for my credit file to be accessed. The following hard inquiries were made without my permission and need to be removed immediately : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MI XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX, GA XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 604 ( a ), a hard inquiry requires the explicit authorization of the consumer, which I never provided. I request that these inquiries be removed immediately from my credit report as they are unauthorized and negatively impacting my credit score. 

I also expect the credit reporting agencies to notify me in writing once the inquiries have been removed, per their legal obligations under the FCRA. If proof of my authorization can not be provided for any of these inquiries, they must be deleted to comply with the law. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
In accordance with the Freight 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 604A section XXXX it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
My account will say I have funds in it but two days later I will be charged overdraft fees for no funds being in my 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 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian Account # XXXX XXXX XXXX  XXXX Balance {$530.00} This account status has been changed multiple times, each time the information is erroneous and incorrect. After Experian has reported the account incorrectly for nearly 5 years, now that I disputed the erroneous information, instead of them removing the account in its entirety once this error is brought to their attention, they changed the account status to more erroneous and incorrect information by now stating that this is a charged off account updated for XX/XX/XXXX, after stating something different since XXXX. It was incorrect then and its incorrect now. I want this account REMOVED IMMEDIATELY before I am forced to seek legal counsel and request punitive and financial recovery for the damages that they have caused me over the years by providing misinformation to creditors. 

Credit bureaus have the obligation to report information correctly, they dont get to report the information incorrectly for years and then attempt to correct their mistake and report additional wrong information. THE ONLY resolve is to remove the account IMMEDIATELY! 

Once again using stall tactics they are blocking me from reporting online, now I must call in with a super lengthy wait time to dispute over the phone. This is just in hope that I will get tired of holding and get discouraged and hang up. They are charging my cc for online credit reporting services, they have sent me an additional authentication code to my cell phone to log in, so they know its me in the account. 

Same as above for this account : This account status has been changed multiple times, each time the information is erroneous and incorrect. 

Account info XXXX XXXX  Account number : XXXX ONLY RESOLVE IS TO REMOVE THIS ACCOUNT IN ITS ENTIRETY

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 2024-12-29 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: GA

Complaint narrative:
I reviewed my credit report and discovered several inaccuracies and unauthorized actions that require immediate investigation and correction under the Fair Credit Reporting Act ( FCRA ). Specifically : Inaccurate Late Payment Reporting : My accounts with XXXX, XXXX XXXX, XXXX XXXX, and XXXX  XXXX are inaccurately showing late payments. These reports are incorrect, and I am requesting that they be updated to reflect paid as agreed/never late, in accordance with 15 U.S.C. 1681i, which mandates a thorough investigation of disputed information.

Debt Validation Issues : Regarding the XXXX  account, I have requested full validation of the alleged debt under 15 U.S.C. 1692g ( b ). Without proper validation, including proof of my signature on the original agreement, this item must be removed from my credit report. 
Unauthorized Hard Inquiries : My credit report contains several unauthorized hard inquiries from entities such as XXXX, XXXX, XXXX, XXXX XXXX, and XXXX. These inquiries were not authorized by me and must be removed as they violate 15 U.S.C. 1681n, which addresses liability for willful noncompliance with federal law. 
Incorrect Personal Information : My credit report lists an incorrect address, " XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX. '' This information is not accurate and must be deleted under 15 U.S.C. 1681i.

I expect Equifax to fulfill its legal obligation to investigate these issues thoroughly, correct any inaccuracies, and provide me with written confirmation and an updated credit report within the 30-day timeframe stipulated by the FCRA. Failure to address these matters promptly and accurately may result in legal consequences for willful or negligent noncompliance under 15 U.S.C. 1681n and 1681o.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: OH

Complaint narrative:
I was having hard times and needed a change, I decided to try Lexington because I received a few EMAILS about them helping with credit repair. I spoke with a rep. that soon pursued me to trust them with helping with credit repair. after we spoke I provided my banking information so we could get started repairing my credit. after about a month I noticed, they stopped keeping me posted about things that were promised, but money was still being taking out of my account I then noticed I was occurring overdraft fees. When asked when I would see results from my payouts, I either didn't hear back or little feedback. I then had to contact my bank to blocked withdrawals coming from Lexington.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: GA

Complaint narrative:
I recently discovered several inaccuracies on my credit report, which prompted me to take action by sending a formal demand for correction to TransUnion. The issues I encountered include the following : Incorrect Reporting of Late Payments : Multiple accounts, including those with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are inaccurately showing late payments. I requested these accounts be updated to reflect " paid as agreed/never late '' under the guidelines of 15 U.S.C. 1681i, which requires credit reporting agencies to investigate disputed accuracy. 

Unauthorized Hard Inquiries : Hard inquiries from XXXX XXXX, XXXX, and XXXX XXXX appeared on my report without authorization. Under 15 U.S.C. 1681n, I demanded these be deleted due to their unauthorized nature. 

Debt Validation Issues : Regarding XXXX, I invoked my rights under 15 U.S.C. 1692g ( b ) to request validation of the alleged debt, including original contracts and documentation proving the legitimacy of the claim. I emphasized that failure to provide such validation necessitates the deletion of the entry. 

Inaccurate Personal Information : An incorrect address was listed on my report ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), and I requested its immediate removal. 

I cited relevant federal laws, including the Fair Credit Reporting Act ( FCRA ) and case precedents such as XXXX XXXX XXXX XXXX and XXXX XXXX Trans Union XXXX, to emphasize TransUnion 's legal obligation to conduct thorough and accurate investigations. I also warned of potential legal action for willful or negligent noncompliance as outlined in 15 U.S.C. 1681n and 1681o. 

I expect TransUnion to provide a detailed description of the investigation procedures and an updated credit report reflecting the necessary corrections. Should this not be resolved promptly, I am prepared to escalate the matter to regulatory authorities or pursue legal remedies.

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 2024-12-29 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: SC

Complaint narrative:
I recently reviewed my credit report and discovered several inaccuracies and unauthorized entries that must be addressed immediately. These issues include : Inaccurate Late Payment Reports : Accounts like XXXX XXXX XXXX, XXXX XXXX, and XXXX are incorrectly reporting late payments. This violates provisions under 15 USC 1666 and 12 CFR 1026.13, which govern the correction of billing errors. I demand these entries be updated to reflect " paid as agreed/never late. '' Unverified Debts : Multiple entries, such as those reported by XXXX, XXXX, and others, require validation under 15 USC 1692g. Ive requested documentation including signed contracts and proof of the debts legitimacy. Failure to provide this information violates the Fair Debt Collection Practices Act ( FDCPA ) and warrants immediate removal of the false entries. 

Deceptive Practices : Entities like XXXX XXXX XXXX and XXXX XXXX XXXX appear to be furnishing deceptive forms, as prohibited under 15 USC 1692j. This raises concerns about compliance with federal laws, and I insist these entries be deleted unless they can be substantiated. 

Unauthorized Hard Inquiries : Inquiries from XXXX XXXX XXXXXXXX XXXX, and others are unauthorized and violate 15 USC 1681n ( A ), which outlines civil liability for willful noncompliance. These inquiries must be removed immediately. 

Incorrect Personal Information : My report lists incorrect addresses, such as XXXX XXXX XXXX, which I never resided at. This misinformation must be deleted promptly to ensure the accuracy of my personal data. 

These inaccuracies reflect willful noncompliance with federal regulations, including the Fair Credit Reporting Act ( FCRA ). If these issues are not resolved within the legally mandated timeframe, I am prepared to escalate the matter through legal channels to ensure compliance and safeguard my rights.

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