vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-14 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: GA

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 15 USC 1681. 

Account Name : XXXX  XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 if the person knows or has 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 2023-12-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC
State: AL

Complaint narrative:
Paid half of the vehicle loan off 2 or 3 months before they repossessed the vehicle and my balance was XXXX. I was not given any information about the sale or auction of car. I received a letter stating that my vehicle was repossessed and I now owe more than XXXX but was not told what they were going to do with the vehicle and when. They did not give me any options for getting my car back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: VA

Complaint narrative:
I am writing to express my serious concerns regarding the inaccurate information on my credit report, which is maintained by Experian Information Solutions , Inc. Despite my efforts to rectify the errors, it has come to my attention that the discrepancies persist, and this has caused significant harm to my financial standing. 

I have made multiple attempts to dispute the inaccuracies through the proper channels, as outlined in the Fair Credit Reporting Act ( FCRA ). However, it appears that these efforts have not been successful, and the inaccuracies persist. 

I believe that Experian Information Solutions , Inc. has failed in its duty to ensure the accuracy and integrity of the information in my credit report, as mandated by the FCRA. This failure has resulted in damage to my creditworthiness and has adversely affected my ability to obtain credit on fair and reasonable terms. 

I am hereby providing notice of my intent to pursue legal action against Experian Information Solutions , Inc. for violations of the FCRA and any other applicable laws. I believe that your company 's actions have caused me substantial harm, and I am left with no alternative but to seek legal remedies to address this matter.

I strongly urge Experian Information Solutions , Inc. to promptly investigate and correct the inaccuracies on my credit report in accordance with the provisions of the FCRA. Failure to do so will leave me with no choice but to proceed with legal action. 

Please consider this letter as a final opportunity to rectify the situation before legal proceedings are initiated. I expect your prompt attention to this matter and a timely resolution.

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 2023-12-14 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: VA

Complaint narrative:
I am writing to express my serious concerns regarding the inaccurate information on my credit report, which is maintained by Experian Information Solutions , Inc. Despite my efforts to rectify the errors, it has come to my attention that the discrepancies persist, and this has caused significant harm to my financial standing. 

I have made multiple attempts to dispute the inaccuracies through the proper channels, as outlined in the Fair Credit Reporting Act ( FCRA ). However, it appears that these efforts have not been successful, and the inaccuracies persist. 

I believe that Experian Information Solutions , Inc. has failed in its duty to ensure the accuracy and integrity of the information in my credit report, as mandated by the FCRA. This failure has resulted in damage to my creditworthiness and has adversely affected my ability to obtain credit on fair and reasonable terms. 

I am hereby providing notice of my intent to pursue legal action against Experian Information Solutions , Inc. for violations of the FCRA and any other applicable laws. I believe that your company 's actions have caused me substantial harm, and I am left with no alternative but to seek legal remedies to address this matter. 

I strongly urge Experian Information Solutions , Inc. to promptly investigate and correct the inaccuracies on my credit report in accordance with the provisions of the FCRA. Failure to do so will leave me with no choice but to proceed with legal action. 

Please consider this letter as a final opportunity to rectify the situation before legal proceedings are initiated. I expect your prompt attention to this matter and a timely resolution.

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 2023-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: J J Marshall & Associates, Inc
State: FL

Complaint narrative:
I did not get anything from the collection company. It just showed up on my credit. I tried to call the collection company and was told that they do not give out any information about there clients and that I owed {$500.00} ( it is on my credit 2x ) for an apple watch ( I have never owned anything XXXX ). I have XXXX identity protection and we have called collection company 2x.The first time ( XX/XX/XXXX ) the person that I needed to talk to was not there. The second time ( XX/XX/XXXX ) spoke to XXXX the manager he said ( rudely ) that he was on a call and we would have to call back. I also filed a fraud report with the XXXX FL police department and the FTC. I have tried to contact the company that I am suppose to owed but no phone number is listed and I am unable to speak to them. The collection agency is JJ Marshall & Assoc. XXXX and the company that I was told that I owe is XXXX XXXX XXXX. I can not get an address or number for them. The account was open on XXXX XXXX XXXX and was reported in XXXX. XXXX reported on my credit on XXXX XXXX XXXX.We have called on XX/XX/XXXX and on XX/XX/XXXX and still have not talked to anyone.

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 2023-12-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: OH

Complaint narrative:
I took out a student loan with Sallie Mae in XXXX for the amount of {$14000.00}. The first disbursement occurred on XX/XX/XXXX for the amount if {$7100.00}. After the disbursement I opted into Sallie Mae 's option to pay {$25.00} a month while in school to keep the accrued interest down. Upon receiving the second disbursement of {$7100.00} on XX/XX/XXXX I discovered I only needed a small portion and paid {$6000.00} back on XX/XX/XXXX. After that repayment in XXXX of XXXX Sallie Mae stopped including the {$25.00} for that specific loan in my monthly billing / payment. As a result, since the last payment in XX/XX/XXXX my loan has accrued {$3600.00} in interest. 

I began making full payments to Sallie Mae in XXXX of XXXX. The Sallie Mae app provides you with a total " current amount due '' for your whole loan portfolio each month. In XXXX of XXXX I decided I wanted to begin paying more than the suggested amount. Upon doing so realized that the loan I had taken out in XXXX said " no current amount due ''. After looking at the detail of my payments I noticed that out of the suggested amount I had been paying each month for the past year, none of it had been going towards that specific loan ; allowing it to accrue {$1200.00} in interest over this past year. 

Upon reaching out to Sallie Mae for an explanation as to why the app was not applying payments to my highest interest rate loan, they stated that because I paid that {$6000.00} in XXXX my loan was now considered to be in " prepayment ''. As a result, and WITHOUT MY KNOWLEDGE, the suggested payment amount from that point forward no longer included that loan even though the loan was still accruing interest. It was not until I decided I wanted to pay more than the suggested amount that I was able to decipher that the " current amount due '' for that loan had been XXXX even though it was accruing mass amounts interest, ultimately growing to a balance that is now {$3500.00} more than when I initially repaid the {$6000.00} to a total of {$11000.00}. 

I called Sallie Mae and spoke to a representative who even agreed with me and said that they see where I was misled to believe I was still paying on all of my loans, and that they see how the app itself can be misleading. Even still I was told that there is absolutely nothing that they can do. 

I find it wrong that even though I have been making the required monthly payments to Sallie Mae I am now worse off than before because they failed to inform me that a prepayment would excluded that loan from my monthly payment. I believe Sallie Mae should be held responsible for these actions in some way. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: FL

Complaint narrative:
XXXX XXXX : This account was disputed on XX/XX/ and XX/XX/. They have not investigated. Date opened is wrong. High balance is wrong. Account rating is wrong. Payment status is wrong. Date of last activity is wrong. Past due 30 days and 60 days is wrong. Date of last payment is wrong. They have no entered a notice of dispute. This account needs to be dealeted immediately. 

US DEPT ED - XXXX : This account was disputed on XX/XX/ and XX/XX/. Account type is wrong. Open date is wrong. There is no notice of dispute entered. Date of last activity is wrong. Equifax reports 40 90 day late payments. The other two bureaus report no late payments. Date of last payment is wrong. Updat account to NEVER late pays as Agreed. 

US DEPT ED - XXXX : This account was disputed on XX/XX/ and XX/XX/. Open date is wrong. Terms are wrong. There is no dispute notice entered. Date of last activity is wrong. Equifax reports 40 90 day late payments. The other two bureaus report no late payments. Date of last payment is wrong. Update account to NEVER late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 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: PA

Complaint narrative:
Experian provide results of dispute on XXXX for : XXXX XXXX XXXX ( XXXX ) # XXXX XXXX XXXX XXXX # XXXX Experian results dated XXXX stated accounts were deleted on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, However, these accounts are still on my Experian credit report. 

FCRA states that consumers have to notify consumers that deleted accounts that will be reinserted in file. 

I never received any correspondence stating deleted XXXX XXXX XXXX ( XXXX ) accounts were to be reinserted in my Experian credit report. This is a clear violation of the FCRA. 

Attached are screenshots of dispute results with several dates stating ( XXXX ) accounts were deleted and now accounts are still on my file. 

Attached is screenshots showing XXXX accounts in my file.

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 2023-12-14 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: FlexShopper, Inc
State: TX

Complaint narrative:
Before i signed the lease agreement, on XXXX XXXX, XXXX, I was informed by an agent that I qualified for cash price option in the amount of {$640.00}. Recently, i spoke with numerous other agents and was informed i don't qualify for the cash price because i live in the state of XXXX. It would've been nice to know that before i signed the lease. I'm requesting a refund in the amount of {$710.00} because i was swindled into signing the lease agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
XXXX XXXX around XXXXXXXX XXXX my phone was stolen. Same day same time I had XXXX unathorized transactions occur. XXXX payments equaling XXXX through XXXX XXXX. XXXX payment equaling XXXX through chimes pay anyone feature. All unauthorized by me. I filled dispute for the XXXX XXXX XXXX transfers on XX/XX/XXXX, and received temporary credit. Fast forward to today XX/XX/XXXX I finally received my approval for the dispute. My XXXX dispute for the XXXX transaction of XXXX $ through chimes  pay anyone feature keeps receiving decline after decline. They say theres was no error found. I keep filling rebuttal after rebuttal. Providing new documents. Even police reports. Still receiving denial after denial. Theres clear evidence that this wasnt me. If they did a real investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
the following inquiries are listed on my account i did not give my permission to these companies to access my credit profile on these dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Confusing or missing disclosures
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Bread Financial ( BF or the institution ) has not provided any evidence of compliance, or demonstrated of key controls and a compliance framework established to comply with all applicable laws and regulations. Furthermore, the institution did NOT comply with the applicable laws and regulations when opening CD deposit accounts in my name in XX/XX/XXXX. As evidence, unlike multiple other digital banks Ive dealt with, the institution did neither email new customers of the key terms and conditions nor provide an agreement with the details of the deposit contract at the inception of the CD deposit. Having information somewhere on the institutions generic and broad website is not in line with the spirit of the laws and regulations, and the institution can not claim that it complied with the applicable laws and regulations. Period. Once again, in accordance with Rule 12 CFR 1030.4, the institution is required to provide initial disclosures before an account is opened or a service provided, whichever is earlier. BFs response received on XX/XX/XXXX to my complaint is simply unfactual and a wrongful response, merely claiming compliance with no evidence. Furthermore, a so-called review of potential security concerns and/or irregular activity has nothing to do with the customers actions or activity. The suspension has been imposed almost XXXX weeks since the institution intentionally fabricated a story to restrict or discourage customer complaints. 
In conclusion, in addition to the non-compliance issue, this institution apparently has an integrity issue. The institution 's integrity issue has been clearly revealed through sneaky non-compliance at account opening, unfactual responses with false information on officially raised CFPB customer complaints, fearlessly perpetuating lies, and suddenly bringing up a security issue for this particular individual account without reason for weeks. 
In addition to my initial complaints about the non-compliance issue, I am encountering more issues with this institution and will have to report to more regulators, eventually seeking resolution through the court if not resolved via filing issues with regulators.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/23 I sent a certified letter to this credit reporting agency disputing multiple derogatory items found on my credit report. According to my tracking information, my letter was delivered or picked up on XX/XX/23. 

According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I should have received an update on the investigation results within 30 days beginning when my letter was delivered to them, which I have not. 

To date ( 30+ days ), I have not received anything from this credit reporting agency in regards to my letter, not even a reply stating they have received my letter and would be investigating the items found in my letter. 

In my letter I requested the following : 1 ) Update my current address 2 ) Remove my previous address 3 ) Delete these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I XXXX XXXX called Huntington bank on XX/XX/2023 attempting to collect the XXXX dollar promotion reward for opening a new account. On the website it states after maintaining a XXXX dollar balance and getting XXXX direct deposits the money will be deposited into your account. The website also states a promotional code will be applied to all new accounts. The code was not applied to my account and Huntington bank is refusing to pay the money the promotion promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-14 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: NJ

Complaint narrative:
T

he credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that. Also according to 15 USC 1681 s-2 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. This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2023-12-14 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: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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:
Had a soft and then hard inquiry from XXXX XXXX XXXX XXXX XXXX which is a XXXX credit card. Was not me. I contacted XXXX and after much research, they found that someone tried to use my name to open a credit card account online, but had none of my PII, no social security number, not even the last 4 of my social. No credit was extended but somehow this remains as a hard inquiry on my Equifax report. I called Equifax, explained they should have never allowed an inquiry with no SSN, but they refused to remove it from my credit report. I need help having them remove this fraudulent inquiry.

Company response to consumer: Closed with explanation