vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
I purchased add on protection in the event that I should lose my job or potentially get laid off. I had both of these addons on both of my loans. The first time that I used the protection was because I had a Temporary loss of income due to XXXX. They then informed me that I could go ahead and get the XXXX time Payment for my Time that I was off work, but they also Told me that the add on protection would now be void because I used it within XXXX day Of signing the loan. I had XXXX and it was not something that was planned. The second time I had to use that I was unemployed because I was XXXX from my job. because the State of Ohio is an at will employer, Getting unemployment for the 60 days that I had no work was next to impossible.They said because I was not eligible for unemployment that I was not eligible for the add on protection plan. When agreeing to the loans, both times it was presented that should you get XXXX, you are eligible for payment coverage. It was not stated that you had to be approved for unemployment first.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: DISCOVER BANK
State: PA

Complaint narrative:
I am writing to file a formal complaint against Discover Credit Card regarding their unlawful freezing of my credit card account. On XX/XX/XXXX, without any prior warning or valid reason, Discover Credit Card froze my credit card account simply because I refused to provide my tax return information. It's important to highlight that I am not legally obligated to provide such documentation, especially considering that I neither applied for any new credit nor have a loan with Discover. 

I have been a loyal customer of Discover Credit Card since XXXX, maintaining my account in good standing since its inception. However, the recent actions taken by Discover are not only unwarranted but also highly concerning. Despite my repeated attempts to rectify the situation and clarify that I am under no legal obligation to provide my tax return, Discover Credit Card continues to withhold access to my account. 

This unjustifiable freeze on my credit card account has caused significant inconvenience and distress. It has impeded my ability to carry out essential financial transactions and manage my finances effectively. Furthermore, Discover 's refusal to address this matter in a timely and satisfactory manner reflects a blatant disregard for consumer rights and fair business practices. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Discover Credit Card for their unlawful conduct. I request that Discover Credit Card promptly unfreeze my account and refrain from imposing such arbitrary requirements on their customers in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: OH

Complaint narrative:
I have submitted documented proof that provider of bankruptcy information for Equifax XXXX didn't furnish bankruptcy information nor did the U.S. Bankruptcy court, XXXX has submitted ( XXXX ) manual disputes with Equifax detailing bankruptcy # XXXX XXXX XXXX XXXX isn't in the XXXX database and should be removed off credit report. Same information was given to XXXX and XXXX and bankruptcy information was deleted off report per THE XXXX report. If Equifax continues to keep information on report they need to provide the TRUE METHOD OF INFORMATION. 
I have included letter from the U.S. bankruptcy court showing they don't provide info to the consumer credit bureaus, credit report from XXXX proving above bankruptcy doesn't exist on report and letter from XXXX stating they are the bankruptcy information provider for Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: Bridgecrest Acceptance Corporation
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX YOU ARE IN DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT ( ACCT NAME AND # ) HAS VIOLATED SEVERAL OF MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. CLEARLY STATES THAT I HAVE THE RIGHT TO PRIVACY. 
15 U.S.C 1681 SECTION 604 A. SECTION 2. IT ALSO STATES THAT A CONSUMER 15 U.S.C 1681 SECTION 602 A ANGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

15 U.S.C 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER ANOPEN-END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE REMOVE THESE LATE PAYMENTS AND UPDATE THIS ACCOUNT IMMEDITAELY AS YOU ARE IN DIRECT VIOLATION OF SEVERAL LAWS UNDER THE FAIR CREDIT REPORTING ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I made a payment to my Wells Fargo Active Visa Card in the amount of {$15000.00} on XX/XX/2024. They automatically placed a hold on this payment as well as others. I have submitted proof that this check cleared my XXXX XXXX XXXX. Is it XXXX  for a bank to get funds from another bank and hold it 15 days? Both banks are in the northeast- Wells and XXXX and the check clearly cleared overnight. I email proof of the check clearing multiple times. I spoke with XXXX XXXX from the XXXX XXXX XXXX XXXX and she indicated she did not know why as the system automatically places a hold on payments randomly. Again, there should be a class action lawsuit against Wells Fargo as they are clearly holding these payments and taking the cash to met Federal overnight deposit standards. 



Thank you,

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 2024-03-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LoanCare, LLC
State: TN

Complaint narrative:
I signed a contract with XXXX XXXX on XX/XX/2022 who is not listed on the XXXX. Before my first payment was due XXXX months later, I was informed that they had transferred/sold my mortgage to LoanCare which is a debt collection company without a judgement for non-payment. After XXXX months I was experiencing a financial hardship and asked LoanCare if we could renegotiate the contract because I was also upset that only {$200.00} a month was going toward the principal. They refused which forced me into bankruptcy. They are now threatening me with foreclosure. I am now sending a cease and desist letter once again demanding that they validate the debt and acknowledging the fact that XXXX XXXX had no right to allow LoanCare to take over the mortgage according to your website.

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 2024-03-24 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: NY

Complaint narrative:
I looked at my credit report and noticed I have XXXX inquiries : These items are not factual and need to be removed from my report! I am a victim of identity theft and these do not belong to me. 

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 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 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 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 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 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 2024-03-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
I have a loan with one main financial and they repeatedly overdraft my checking simultaneously for payments

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: MD

Complaint narrative:
XXXX XXXX XXXX date XX/XX/XXXX showing negative. paid off traded in vehicle. 
XXXX XXXX XX/XX/XXXX Showing. negative. paid off traded in vehicle. 
XXXX XXXX paid off account Stating it will go positive in XXXX of XXXX XXXX XXXX XXXX paid off closed XX/XX/XXXX XXXX XXXX XXXX showing Potentially Negative paid off XX/XX/XXXX sold to XXXX XXXX is open with a recent credit increase showing potentially Negative XXXX XXXX paid off. XXXX XXXXshowing Potentially Negative XXXX XXXX merged showing Potentially Negative. mortgage now with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: MN

Complaint narrative:
The collection company has marked my complaint as a duplicate problem without actually addressing the red flags that I have brought forth regarding the collection of the alleged debt. They are not taking accountability for their actions and refuse to address me directly regarding the very issues. Moving forward I am requesting the chain of assignment regarding the alleged debt, was their insurance on this alleged debt, do you actually have a license to collet in my state in regard to this alleged debt? I was not originally given the opportunity to dispute this alleged debt, and I was not given any disclosures regarding this alleged debt. Please also provide the certified tracking number with my name and signature proving that you mailed notice to me regarding this alleged debt. You are liable under 15 USC 1692k, 15 USC 1681s-2, 15 USC 1692d XXXX XXXX ), and 15 USC 1692c . Failure to provide accurate information will result in legal escalation. DO NOT ignore my request as collection agencies are responsible for providing information and explanation upon request. YOU CAN NOT JUST DO WHAT YOU WANT TO DO BECAUSE YOU THINK YOU CAN DO IT. There are repercussions. I have not received any of that information. Please provide a contractual agreement with my wet ink signature as well regarding this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: OH

Complaint narrative:
My information is being sold on the XXXX XXXX so I have to lock/freeze all my credit reports and pay more money and continuously monitor fraudulent alerts while trying to maintain a household and take care of my family! Please remove these accounts! 

Upon further review these hard inquiries are once again XXXX. Its the same reason why I've been disputing these ( XXXX ) accounts within the last XXXX days which I have no reason why they still have not been removed off ( transunion, XXXX, XXXX ) So now I have no choice but to keep all credit bureaus locked as will be attached in screenshot. 

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

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 2024-03-24 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: CLGF Holdco 1, LLC
State: MS

Complaint narrative:
This account is not mine. I have no knowledge of this account. Please remove from credit report as it is an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am attaching the letters that should be sent to all XXXX credit bureaus to correct the misinformation on my credit reports which is a violation of FCRA. The credit bureaus are reporting personal loans under mortgage it is not a mortgage loan. I know this because I see it on all my reports and lenders have told me so.

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 2024-03-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I have tried to use the gift card at multiple locations both online ( XXXX, XXXX ) and in store ( XXXX XXXX, XXXX ) and each time its declined. I tried talking to AMEX and they said its accepted everywhere and just try a different store.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-24 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities.

Account name : XXXX XXXX XXXX  Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 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: OH

Complaint narrative:
My information is being sold on the dark web so I have to lock/freeze all my credit reports and pay more money and continuously monitor fraudulent alerts while trying to maintain a household and take care of my family! Please remove these accounts!

Upon further review these hard inquiries are once again illegal. Its the same reason why I've been disputing these ( XXXX ) accounts within the last XXXX days which I have no reason why they still have not been removed off ( XXXX, XXXX, experian ) So now I have no choice but to keep all credit bureaus locked as will be attached in screenshot. 

XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$57.00} Acct Number XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian InquiriesXXXX 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 2024-03-24 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: OH

Complaint narrative:
My information is being sold on the dark web so I have to lock/freeze all my credit reports and pay more money and continuously monitor fraudulent alerts while trying to maintain a household and take care of my family! Please remove these accounts!

Upon further review these hard inquiries are once again illegal. Its the same reason why I've been disputing these ( XXXX ) accounts within the last XXXX days which I have no reason why they still have not been removed off ( XXXX, XXXX, experian ) So now I have no choice but to keep all credit bureaus locked as will be attached in screenshot. 

XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$57.00} Acct Number XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ***Experian Inquiries**** 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 2024-03-24 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: OH

Complaint narrative:
My information is being sold on the dark web so I have to lock/freeze all my credit reports and pay more money and continuously monitor fraudulent alerts while trying to maintain a household and take care of my family! Please remove these accounts!

Upon further review these hard inquiries are once again illegal. Its the same reason why I've been disputing these ( XXXX ) accounts within the last XXXX days which I have no reason why they still have not been removed off ( transunion, XXXX, XXXX ) So now I have no choice but to keep all credit bureaus locked as will be attached in screenshot. 

XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XXXX XXXX XXXX XXXX XXXX XXXX Balance {$57.00} Acct Number XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX, XXXX XXXXTransUnion InquiriesXXXX 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 2024-03-24 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: OH

Complaint narrative:
My information is being sold on the dark web so I have to lock/freeze all my credit reports and pay more money and continuously monitor fraudulent alerts while trying to maintain a household and take care of my family! Please remove these accounts!

Upon further review these hard inquiries are once again illegal. Its the same reason why I've been disputing these ( XXXX ) accounts within the last XXXX days which I have no reason why they still have not been removed off ( transunion, XXXX, XXXX ) So now I have no choice but to keep all credit bureaus locked as will be attached in screenshot. 

XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XX/XX/XXXX XXXX XXXX XXXX Balance {$57.00} Acct Number XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX, XXXX XXXXTransUnion InquiriesXXXX 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 2024-03-24 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: CCS Financial Services, Inc.
State: SC

Complaint narrative:
This is not my account, and I did ask for a validation and they never sent me one and I never had a account with this company and it is still reporting on my credit report. I will refer to the 15 u.s.c law 1681 this is not fair nor accurate and for XXXX after reviewing it on my credit they never evaluated my credit worthiness. It is reporting to my XXXX and XXXX credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation