vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Marlette Funding, LLC
State: KS

Complaint narrative:
Made online application on Monday XX/XX/year>, loan approved XX/XX/year>. The promise in advertising that money will be in my banking account within 3 days is not true. I provided correct routing information, they have confirmed this. I even scanned a voided check for their information, when asked they said they could not combine it with the present loan because it was not offered in the application process. When asked " where is my money '' they say my bank rejected the deposit, yet my bank after an extensive search of all transactions presented to the bank this did not occur. I believe they are holding the money to increase the amount of interest I have to pay, online the interest is accruing at {$3.00} a day. They just told me that my money would take 2-3 weeks to arrive as a check, yet their advertising promised money in under 3 days. This would be an extra {$45.00} in interest and I still do not have the money I borrowed. This is a scam, there are hundreds of XXXX XXXX reviews saying the same thing, made arrangements for a loan, got approved and NO MONEY was deposited.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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: SC

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: NM

Complaint narrative:
Company is refusing to stop tax escrow payments. I have provided New Mexico State government evidence of a military exemption and they have refused to honor the official government documents. I have enclosed the official state documents that have been provided to me by the state of New Mexico, these documents have also been logged and signed for by my county assessor office. Company refuses to verify exemption by calling 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 2024-04-12 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: TX

Complaint narrative:
Equifax has violated my consumer rights. They have willfully violated by recklessly and knowingly caused harm to me I disputed ATTORNEY GENERAL ACCOUNT {$52000.00}. They deleted this according to complaint Id XXXX on XX/XX/2024. This item was an erroneous account showing as a credit account which I never applied or gave consent for and was a violation of 15 USC 1681b and 15 USC 1681c-1,15 USC 1682c-2 The information has now been reported again as of XX/XX/2024, Violating my Consumer rights under 15 USC 1681s-2a1a reporting information with actual knowledge of errors - 15 U.S. Code 1681e ( b ) reads " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' It is also harm due to trespass against my rights, Interrupting the flow of commerce, and a Violation against my unalienable right to the pursuit of happiness since it has prevented me from improving my circumstances by being a homeowner I will be seeking litigation in accordance to 15 USC 1681n and 15 USC 1681o in monetary compensation for $ XXXX and the permanent removal of this error. 

I have hired a consumer protection lawyer with the intent to file a lawsuit immediately For actual damages, punitive damages, statutory damages and emotional damage

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
To whom this may concern, Per the FCRA as a federally protected Consumer I am now opting out of any and all Authorization I the consumer may have given to you written and un-written, verbal and non-verbal, Per 15 USC 6802.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
Bank 's response of XX/XX/XXXX, did not address the issue of my complaint but fraudulently claimed that information was not " eligible '' which questions then why their fax can not get proper quality of documents faxed???

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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:
There are some unauthorized inquiries on my credit report that I did not approve of from : XXXX  XXXX, XXXX  XXXX and 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 2024-04-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying 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 explanation
Consumer complaint received 2024-04-12 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: MI

Complaint narrative:
Complaint XXXX was closed after they provided what appears to be an AI written script that didn't address a single XXXX of my issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.

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 2024-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
Account is frozen due to my fault because of their predatory set up for money transfers. I try transfer money between my savings and checking but it defaults to transfer from my XXXXXXXX XXXX  account to Sofi. If I forget to select my Savings account as the account to transfer from it automatically tries to transfer funds from my XXXX account leading to Returned payment and this is why they froze my account. There is no way to cancel these transfers so once it's initiated it can't be undone. 

I received an Email my account was frozen and then I got an email that it was unfrozen. But nope, still frozen and when I call them they say oh sorry we already escalated your claim just keep checking your app for updates. All my finances are in sofi and I will be closing my account if this issue is not resolved today

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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 am writing to follow up on my previous dispute regarding the fraudulent account that is still appearing on my credit report. Despite my previous efforts to resolve this matter, the erroneous information continues to negatively impact my credit score and financial standing. As stated in my previous correspondence, I have never opened or authorized the account in question. This account is clearly the result of identity theft or fraud, and its presence on my credit report is both inaccurate and damaging.

Since my initial dispute, I have not received any communication or updates from your agency regarding the status of the investigation into this matter. I urge you to expedite the resolution process and remove the fraudulent account from my credit report immediately.

Under the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy and integrity of the information contained in my credit report. The continued reporting of this fraudulent account not only violates my rights under the FCRA but also undermines the trust and reliability of your credit reporting services.

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 2024-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: VA

Complaint narrative:
I was placed in an Administrative Forbearance in XX/XX/XXXX. My account showed " Loan Status : Forbearance '' and " Status End Date : XXXX '' on the website and via MOHELA 's phone tree from XX/XX/XXXX until Late XXXX. Despite this, the account updated mid XXXX to show a payment due in XXXX, while simultaneously showing the forbearance status ( screen shots provided ). 

Unable to reach the by phone, I made the payment and then requested they fix the status and process a refund vie their email option on XX/XX/XXXX. They responded on XX/XX/XXXX confirming the error and stating that a refund would be processed in 60 days. 

I called to check on this refund today, XX/XX/XXXX as it has been over 60 days and I had seen no sign of the refund. At first the rep confirmed it was being processed but, when I asked for details, they admitted the refund had been cancelled as " it would cause a delinquency ''. I have not missed any payment ( XXXX was submitted 4 days late as I was waiting for them to send my refund but in no way am I delinquent ). 

Not only did they improperly and dishonestly cancel this refund, they did so without notifying me despite confirming the refund in writing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
My american express card was block due to for whatever reason, and when i tried to get help online from the chat box, they told me to called the account protection team because they are open 24/7, which is another lie! all i got was a voicemail. so the whole entire night i couldn't used my card! and i never gotten any notification about my card being blocked! and when i called in the next day. i was being put on hold for an hour. and when i finally gotten the chance to speak to a rep, i was put on hold for an another hour. This company is losing itself. i don't have time to do this hold thing!! as of now my card is still being blocked!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: GA

Complaint narrative:
I'm in the process of opening up a XXXX XXXX company so i sent off for my reports to make sure my credit is ok. I looked at my credit report on XX/XX/2024, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report is relating to. These accounts XXXX XXXX  Acct # XXXX, XXXX  XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX. These accounts has violated my rights. 

Also according to 15 USC 1681e-2, A person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.

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 2024-04-12 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: CA

Complaint narrative:
recently i had looked at my credit report and noticed several innaccurate information is reported on my account.this acccount is hurting my ability to obtain credit.it is my understanding that you will investigate these items for me to ensure accuracy .here is the item .i an asking you to verify as accurate : 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 2024-04-12 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: CA

Complaint narrative:
recently i had looked at my credit report and noticed several innaccurate information is reported on my account.this acccount is hurting my ability to obtain credit.it is my understanding that you will investigate these items for me to ensure accuracy .here is the item .i an asking you to verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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: GA

Complaint narrative:
I am writing to formally dispute an outdated account that has surfaced on my credit report. After thorough examination, I have identified an installment account that does not accurately reflect my current financial status. This discrepancy spans my entire credit profile, including inaccuracies in Account Numbers and the covert concealment of certain account details, which contravenes legal statutes. 
XXXX XXXX XXXX XXXXXXXXDept of ED Loan Amount XXXX {$4500.00} Furthermore, the reported last day of activity on this account does not align with the actual date of my last payment. These disparities have been meticulously documented across all credit bureaus and will serve as vital evidence as I endeavor to rectify the inaccuracies within my credit report. 
Additionally, it's crucial to note that the mislabeling of accounts, such as incorrectly designating an account as " paid as agreed '' when it was not, or inaccurately labeling another as " deferred, '' may constitute violations of consumer protection laws, particularly the Fair Credit Reporting Act ( FCRA ). 
The outdated account I am disputing are as follows : I appreciate your prompt attention to this matter and expect a swift resolution in full accordance with the Fair Credit Reporting Act ( FCRA ) guidelines. As per the FCRA regulations, I insist on receiving a response within 30 days from the date of this correspondence. Failure to address and rectify these inaccuracies within the stipulated timeframe will leave me with no alternative but to pursue further legal action against the credit bureau.

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 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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 2024-04-12 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Dispute inaccurate items on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation