vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
Took out loan to pay another loan. I am a totally and permanently XXXXXXXX XXXX I will die soon from my injuries while stuck in this endless borrowing cycle because I am unable to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: EQUIFAX, INC.
State: CT

Complaint narrative:
consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My credit went up and then down. My credit report say 's credit one is the reason why.

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 2024-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
About XXXX months without my knowledge or consent, XXXX XXXX transferred my mortgage to a shady organization called Mr. Cooper. I had automatic payments set with XXXX XXXX and never had a problem paying. I set up automatic payments with Mr Cooper and they went thru without issue. For some reason, Mr Cooper stopped the auto payments 2 months ago. I have tried to contact them regarding this issue, but can not get thru the voice mail system to speak to a person. I have the money to pay and want to pay, but Mr Cooper is nonresponsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: TX

Complaint narrative:
I am filing a complaint against Equifax, XXXX and XXXX for their failure to correct inaccurate information on my credit report despite multiple dispute submissions. The inaccuracies have caused significant harm to my creditworthiness and financial standing. 

I have provided the credit reporting agency with detailed information regarding the inaccuracies and have requested corrections in accordance with the Fair Credit Reporting Act ( FCRA ). However, they have willfully and negligently failed to comply with the following statutes : 15 U.S. Code 1681n - Civil Liability for Willful Noncompliance : The agency has willfully disregarded the accuracy of my credit information.

15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance : The agency has negligently failed to address the inaccuracies on my credit report.

15 U.S. Code 1692k - Civil Liability : The inaccuracies have led to unfair debt collection practices, further compounding my distress and financial damage. 

I have attached a formal letter sent to Equifax, XXXX and XXXX, detailing my demands for correction and the legal basis for my claims. I would like the CFPB to be aware of the wrongful actions by the credit reporting agency and to intervene to ensure that they comply with their legal obligations under the FCRA and rectify the inaccuracies on my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
" As per the guidance from the Consumer Finance Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which alls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information TransUnion. 
Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX picked up the debt ) XXXX. {$7400.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: LEXISNEXIS
State: MO

Complaint narrative:
XXXX XXXX XXXX I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and i got a letter back stating, " They do not report any bankruptcies to anybody ''. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % accurate. They never did a fair investigation according to the 15 USC 1681 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or form a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C. 1681 section 602 A. States I have the right to privacy. According to : 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. According to : 15 U.S.C 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Good Morning, I want to bring to your notice, that recently Synchrony has started levying a fee of XXXX $ if we opt for paper statement of account. 

We are XXXX XXXX  and we donot like to log in and remember our password, it is easier for us to see the charge on our paper statement of accounts and understand as well as identify those if those are not legit. 

You will appreciate as a customer this is our fundamental right to receive statement of account via paper statement of account if i donot want to have sent that via email or electronically. 

This type of bully behavior by these service provider should be taken seriously and they should be reprimanded for their actions like this. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aldous & Associates, PLLC
State: GA

Complaint narrative:
Company calls almost daily from different numbers. The company called me at night time once which was very rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: IN

Complaint narrative:
Accounts appeared on my credit report I didnt authorize. I filed a dispute with XXXX and Equifax and they didnt remove the inquires. The inquires are not connected to an open account and I didnt authorize these companies to run my reports, which is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 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: TX

Complaint narrative:
I did not authorize these inquiries. My personal information has been breached multipletimes. Please remove these inquiries immediately. 
XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 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: VA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-07-26 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: NJ

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: FL

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX, XXXX. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2024-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Nelnet, Inc.
State: PA

Complaint narrative:
On XX/XX/year> I filed the following complaint on Nelnet ( cfpb complaint XXXX ) Nelnet is continuing to be willfully non compliance to the FCRA. Nelnet is in direct violation of 1681c-2 ( a ) I filed an identity theft claim with nelnet on XX/XX/year> to which the claim has not been blocked or answered in the appropriate time frame. Nelnet not only didnt process my identity claim under 1681c-2 but they have not even processed my claim in the allowed time under 15 usc 1681i ( a ) ( 1 ) ( a ) to which they has 30 days to investigate incomplete or inaccurate information. This is the second time nelnet has not processed my claim or request ending in a violation of my right. To which on XXXX XXXX this complaint was closed and marked a duplicate complaint as XXXX, however this must be some kind mistake bc XXXX is a complaint regarding 1681a2 violation when this complaint is in regards to 1681c-2 which is two totally different issues and violations. So I am Resubmitting my grievance which the Expectation of it being processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: NJ

Complaint narrative:
I have repeatedly asked you to verify and validate this account your willful non compliance and negligence has once again violated by consumer rights. The following inaccuracy exist in this reporting after re-investigation : Account Status : is Closed but the Closed Date : has no info to support this. 
Account name : XXXXXXXX XXXX XXXX  Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: BlueChip Financial
State: MI

Complaint narrative:
Paid XXXX on XXXX XXXX. They claim i owe them XXXX for the month. Told me through email go on line will not connect me keep getting different error messages XXXX & XXXX claiming that page isnt there. 
Have sent screenshots of everything no answer

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Good Morning, Upon reviewing my consumer report ( after being denied a loan from the bank ) I noticed a debt in the amount of {$1900.00} owed to your company .LVNV Funding LLC . I am unaware of this debt, I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I received proper notification, please provide the certified mail with a receipt with my signature on there, stating that I received it. If in fact you can't provide this information, I request that you remove this debt from my consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Karma, LLC
State: IN

Complaint narrative:
They have duplicate credit cards on my credit report, which they claim not to see on their end. They duplicate credit cards even after you enter them manually, which increases your debt and lowers your credit scores. In addition, they claim on the site that if you apply for a personal loan that it will not affect your credit score, but it does!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year> I noticed my online banking wasnt working. I was out of town in NY so I went to a branch to withdraw money. That same day I call the number the app requests me to call to fix the issue. I state to the lady on the recorded call to not do anything on my account if it was going to deactivate my checking account while Im out of town. I specifically told her I would handle manners when I get home if the needed to be deactivated. At that time I still could withdrawal Money. Just no access to online banking app. The next day XX/XX/XXXX I try to use my card and it was denied. When I called BOA to see why they stated they closed my account that the representative put in a claim to close. I never authorized this and I had BOA for XXXX years! I never had this happen and didnt understand what was going on especially after I just asked her to not do anything to my account if it was going to deactivate it. She assured me she wasnt. She lied because she did. They told me they would send me a check for funds. I contacted BOA a week later ( today XX/XX/XXXX ) they still Have my money in my account, wont send the check and said I cant have MY MONEY YET! Now my bills ( internet and phone bill ) are cut off because XXXX cant pay it with no money! Due to them not sending my money. If my account has been closed why are you still holding onto my money?!!! You are putting me in a financial bind!! I have no money while they are doing whatever they are doing!

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 2024-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Messerli & Kramer P.A.
State: WI

Complaint narrative:
I called XXXX bank to settle a XXXX XXXX XXXX credit card debt. They couldn't find the debt as it was sold to a collection agency. So I called a firm claiming to handle the debt. I was transferred to a man named XXXX at XXXX. I offered to settle to debt. I made a offer of 30 % of what they claimed I owed. He put me on hold several times He acted like he was sick. He came back twice without any counter offer and said his supervisor told him he can't settle the debt. So I am writing to you as I want to settle the debt but I can't negotiate against myself. This was a good faith effort to settle and pay this debt. I am trying to buy my 1st home ever and I need this cleaned up in order to get the loan for the home If they won't work with me how am I suppose to move forward? I have attached the name of the companies involved in the paperwork I have been sent. Now that I have started to look for a home they are harassing me to pay this debt in full I don't fee this is fair because for the last 12 years I didn't even know this debt was hanging out there until now. I appreciate any help you can give me on this. I really want to settle the debt and move on. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
Accounts appeared on my credit report I didnt authorize. I filed a dispute with XXXX and XXXX and they didnt remove the inquires. The inquires are not connected to an open account and I didnt authorize these companies to run my reports, which is fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: SOFI TECHNOLOGIES, INC.
State: IN

Complaint narrative:
Accounts appeared on my credit report I didnt authorize. I filed a dispute with XXXX and XXXX and they didnt remove the inquires. The inquires are not connected to an open account and I didnt authorize these companies to run my reports, which is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Byrider Franchising, LLC
State: KS

Complaint narrative:
I contacted XXXX to remove the debt account. It was paid in full and is greater than XXXX  years. I was told by corporate I had to contact that particular office. But that office is permanently closed.

Company response to consumer: Closed with explanation