vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I was approved for their XXXX XXXX XXXX XXXX for {$1000.00}, of which only {$250.00} would be transferred to my acct, and {$750.00} would be sent to a reserve acct, and can only be accessed when paid off in full. Within minutes of approval I called in to cancel or void as they stated, the loan. I was told by that since the transfer of {$250.00} had yet to be processed she could void the transfer and cancel the loan. The next day, XX/XX/year>, I called to verify it was voided because it was still showing in the app and another lady confirmed in previous notes and said she sees where it is voided and not to worry. On XX/XX/year>, there was a transfer to my checking account of {$250.00} from MoneyLion. Frustrated, I call back in on XX/XX/XXXX and am told the only way to cancel the loan is to pay {$250.00} now ( {$1.00} interest ). Wanting to just be done with it I happily said go ahead and charge my account I do not mind paying {$250.00} at all. He said it would be processed in 10-15mins and he would give me a call back to use my credit reserve funds of {$750.00} to close the acct. I would like to note that the whole reason I am having to call in to make these payments is because it does not allow me to do so online or in the app. It only allows me to make the scheduled payment or pay {$1000.00} off in full from my checking account. A couple hour later after not receiving a call I call back in again and each time I have to reexplain myself. The lady said the payment is still pending and to give it a day or two. XX/XX/XXXX, I call back and am told there is an error with their system and the payment is still saying scheduled for the prior day ( XX/XX/XXXX ) and will now have to be further looked into which could take 1-3 days. It is past 3 days now and I have received no information as to why I cant simply make a payment or why it was not initially voided. When I asked why they cant simply make another out of schedule payment of {$250.00} to close the loan, he said bc the other is still scheduled from XX/XX/XXXX. The first payment is coming up on XX/XX/XXXX and I fell they are intentionally delaying. They had no problem processing the {$9.00} monthly membership from my account and yet they cant process the payment of {$250.00} when they are linked to my bank account through XXXX and debit card? Please help. Thank you

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reported account as fraudulent to XXXX as well to TransUnion and XXXX XXXX XXXX. Account continues to be reported on my credit report even as I sent in dispute asking account to be investigated in accordance with FCRA. I ask for all original contracts and disclosure forms with my wet ink signature which all companies have fell to produce. As well as giving a detailed description on steps taken to show how account was verified other than creditor saying it has been which is in violation of FCRA. I have requested account to be investigated twice with same results. Ive attached the consumer law codes with every request that backs up everything I said but account keeps coming back verified

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 2024-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have repeatedly kindly requested credit bureaus to reinvestigate inaccurate and incomplete information reporting on my credit report and to correct all accounts that is inaccurate and incomplete I've been so very patient with XXXX, Transunion, and XXXX I have sent letters to the company on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX asking XXXX, TRANSUNION, XXXX TO send me the original documents that they are using to report these serious errors. I have not received any proof of these original contracts it has been more 90days they continue to give me a run around... it is already hard enough with how the inflation with the economy is going it is hard please help me get this resolved as soon as possible.

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 2024-06-15 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: IL

Complaint narrative:
I have repeatedly kindly requested credit bureaus to reinvestigate inaccurate and incomplete information reporting on my credit report and to correct all accounts that is inaccurate and incomplete I've been so very patient with XXXX, XXXX, and Equifax I have sent letters to the company on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX asking XXXX, XXXX, EQUIFAX TO send me the original documents that they are using to report these serious errors. I have not received any proof of these original contracts it has been more 90days they continue to give me a run around... it is already hard enough with how the inflation with the economy is going it is hard please help me get this resolved as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-15 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: MI

Complaint narrative:
I reviewed my consumer reports and noticed that I had XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their abily with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of XX/XX/2024 Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

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 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following creditors have violated my rights under : 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 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: Block, Inc.
State: FL

Complaint narrative:
I worked at only XXXX job and thats, XXXX XXXX XXXX XXXX in XXXX Fl XXXX My name is XXXX XXXX, and I believe 100 % sure my identity has been fraudulently used towards a company I owe on taxes that I have never worked for a day in my life they said I worked for a year from them and I never worked for a company like that I forgot the company name but if you pull up my info from the irs youll be able to see it all I remember the business name start with block, inc. name to it.. I just want this off my tax report XXXX XXXX XXXX XXXX  XXXX this been on my tax return since 2020 please help me to resolve this issue!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-15 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: NC

Complaint narrative:
The following creditors I have no knowledge of giving authorization to check credit and request proof of, such as signed agreement which will resolve issue. 
I have inquiries : XXXX XXXX XXXX XXXX  which I have never been. XXXX times XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX in XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2024-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following creditors have violated my rights under : 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 an account without my written instructions.wrong opening day account belong to ex wife I dont have anything to do with this

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MO

Complaint narrative:
I do not owe this debt and it looks like it was generated XX/XX/year> and was never on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 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: MI

Complaint narrative:
I reviewed my consumer reports and noticed that I had XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their abily with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of XX/XX/year> Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

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 2024-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
I reviewed my credit report and found an unpaid debt, that I was unaware of. I did locate a mailed statement, which showed my last name was spelled incorrectly. Emails were sent as well but I did not open them believing they were spam or fishing attempts and deleted them. As a result, I was not aware of this unpaid debt. 

The amount owed is {$360.00}, based on the last notification from resurgent dated XX/XX/XXXX, this appears to have been outstanding since XX/XX/XXXX. I know this was originally from the use of an XXXX XXXX Credit card, which I never received a paper/mailed bill. The XXXX XXXX Credit Card system was paperless, which I never agreed to. 

Below is the communication emailed through the resurgent " Contact Us '' page. As noted, I did include a copy of my driver 's license showing the misspelling of my last name. 

Attention Correspondence Department : Following up on the phone conversation on XX/XX/XXXX with XXXX. Due to the misspelling of my name, I did not open any messages because I believed that they were spam or fishing attempts. For this reason, I am requesting that this collection be deleted from my credit reports. I will be submitting a complaint to the XXXX. I have attached a copy of my driver 's license for proof of misspelling of my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 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: MA

Complaint narrative:
I just recently looked at my credit report on XXXX XXXX. I noticed some hard injuries that did not have permissible purpose. I have also attached evidence. 


XXXX XXXX - Inquiry Date : XX/XX/year> XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/year>

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 2024-06-15 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: MA

Complaint narrative:
I just recently looked at my credit report on XXXX XXXX. I noticed some hard injuries that did not have permissible purpose. I have also attached evidence. 


XXXX XXXX - Inquiry Date : XX/XX/year> XXXX XXXX XXXX - Inquiry Date : XX/XX/year>

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 2024-06-15 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: PA

Complaint narrative:
I have been contacting Mohela since last XXXX. They lost my payments made to Fed loan services, when they put me on the safe program my payment doubled without explanation. I requested in XXXX for a live person to contact me because I could not get a straight answer through the form letters they sent when you write a complaint, they called me in XXXX they had no access to my account or my paperwork. Loans I have paid off that are over XXXX XXXX XXXX are reappearing on my credit and lowering my score. They are being reported as brand new loans even though they have been paid off since XXXX. Their latest transition, The main Mohela side stated that payments would be canceled until XXXX. The new website requested a payment in XXXX when people had not transitioned yet to the new website. It was also said if you paid at the old website it would take up to XXXX days for that payment to be found and applied to your account I then received a financial statement that my payments are going up from {$260.00} to {$2000.00} a month. I am also PSLF and should be down to my last XXXX payments but now the system says I owe XXXX more. I would like to have a person who actually knows what they are doing contact me as my account already as several payments are missing. my loan starts in XXXX so I've had them for XXXX  years, and figure out a way to fix my income driven repayment or save program because there is no way that {$2000.00} will ever be paid monthly that is literally 50 % of my income. Everything stated here is something I have written or called about every single month for at least 10 years and I can never get this fixed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 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: AL

Complaint narrative:
My student loan payments were paused due to the CARES Act until XX/XX/2023, as a result of the COVID-19 pandemic. However, I recently discovered that there is a late payment being reported on my credit file for the period during which my student loan payments were on hold. 

I would like to request that you investigate this matter and correct the inaccurate reporting on my credit account. The late payment does not accurately reflect my financial responsibility during the designated pause period for my student loan payments. I have been diligent in managing my finances and ensuring that all my obligations are met on time.

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 2024-06-15 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following creditors have violated my rights under : 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 an account without my written instructions.

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 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following creditors have violated my rights under : 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following creditors have violated my rights under : 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 an account without my written instructions.

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 2024-06-15 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: OR

Complaint narrative:
I know I only get a short summary.. XXXX XXXX XXXX XXXX had 3 loans of mine ; a debt consolidation personal loan, and refinanced auto loan, and a new auto loan. Times got tough, so I talked to them about this while I was still employed there. I was instructed in person, and via email ( written proof ) to not pay my personal loan and focus on the autos. Well, when I stopped paying my personal bill they put a lien on one of the autos I was going to sell and would have paid the loan off and then some. That was never disclosed to me, or even hinted at. The second auto loan was a voluntary repo, which I also have written proof of, before it was charged off. Not to mention, they kept reporting my account late for THREE YEARS before selling it to a debt collection agency and when I confronted them about this, they said " Our collection department has been really busy that's why it took so long '' ; its a tiny credit union, and no one is too busy to not sell it off for three years. They keep on disputing my disputes, and the credit agencies agree with them although all my personal documentation from them states otherwise. This will end in litigation if it does not get resolved, as this has effected my credit immensely. They incorrectly reported statuses, late dates, and waited three years to sell for a reason that's not true. I'd like proof of them being so overloaded it took them three years to sell it.

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