vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-14 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: NY

Complaint narrative:
Due to FCRA and the Privacy Ac of 1974 Equfiax are in violation of Consumer Laws. 
unbeknownst to me there was a security breach with Equifax that the bureau had to pay out up to {$420.00} million. After carefully reading consumer laws, i've notice that the credit bureau 's have been in business with non affiliated third party companies and reporting transactions without the authorization of the consumer. Such actions are payable in fines. 

" In XXXX XXXX XXXX  Equifax announced a data breach that exposed the personal information of XXXX XXXX people. The company has agreed to a global settlement with the Federal Trade Commission, the Consumer Financial Protection Bureau, and 50 U.S. states and territories. The settlement includes up to {$420.00} XXXX to help people affected by the data breach. '' EQUIFAX NEVER expressed to me of any beach but continue to work with non affiliated third party companies which is in DIRECT VIOLATION. 

seems like the breach still exist i was in the mid XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: 1st Franklin Financial Corporation
State: TX

Complaint narrative:
I have been sick with severely documented XXXX and stop making payments in XXXX XXXX  because I wasn't working as a XXXX employee being sick. I communicated that early on to the office around XX/XX/ ( 30 days BEFORE the loan was even to be considered late ) and I even filled out the new application on their website and spoke to XXXX at the local branch in XXXX, Texas for a new consolidation loan to prevent any lateness they would not approve it it, so I ended up missing my first payment in XX/XX/2023 as projected. Since XX/XX/2023 this company has called my work cell phone, left messages, and sent several collection letters in excess of 7 times a days 7 days a week and is in violation of the Fair Credit rule for debit collecting. I have express that is my work number and requested them to stop and the response from XXXX at the local office is that " The company REQUIRES them to call and leave message Monday-Saturday the hours they are open.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XX/XX/2023, I made several disputes to the three major credit reporting agencies, through the CFPB, notifying them of inaccurate information reporting on my consumer report ( Credit Profile ). At that time I included screenshots of the inaccurate information and requested that the items be promptly REMOVED due to the inaccurate information. I also notified the reporting agencies that, at the time, this was my third time notifying them of inaccurate information and also unverified and incorrect information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I sent TransUnion multiple dispute letters regarding the following accounts : Alleged account : XXXX Alleged account number : XXXX Alleged amount owed : {$7100.00} Alleged account : XXXX Alleged account number : XXXX Alleged amount owed : {$1000.00} Alleged account : XXXX XXXX Alleged account number : XXXX Alleged amount owed : {$7600.00} Alleged account : XXXX Alleged account number : XXXX Alleged amount owed : {$2800.00} Alleged collection account : XXXXXXXX XXXX  Alleged original creditor : XXXX XXXX XXXX XXXX XXXX XXXX account XXXX : XXXX Alleged amount owed : {$5900.00} and I received the response, but they have not shown me proper procedures and that they did a real investigation. They just said, this item was verified. 

How was it verified when the companies have not validated or verified this information with me? Also, I want the item deleted immediately. 

THEY ARE REPORTING MISLEADING DATA AND IVE CLEARLY SHOWN PROOF THAT THIS IS ALL MISLEADING!

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 2024-01-14 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: GA

Complaint narrative:
There is an account listed as XXXX on my credit report that does not belong to me. It is violating my consumer right to accurate reporting. Equifax is the only bureau reporting this unknown account. In addition the information listed on the account does not match my address or personal identifying information. Ive asked Equifax to validate the account by providing documentation for which that have not. Ive filed a FTC claim in XX/XX/XXXX that the company ignored. In addition, I filed a police report in XXXX ( attached ) regarding fraud and accounts that do not belong to me being on my report. In a currently open claim regarding a vehicle company ( carmax ) that was also included in the FTC report and police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-14 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: PA

Complaint narrative:
I sent Equifax multiple dispute letters regarding the following collection account : Alleged account : XXXX XXXX XXXX Alleged original Creditor : XXXX XXXX XXXX XXXX Alleged amount owed : {$10000.00} and I received the response, but they have not shown me proper procedures and that they did a real investigation. They just said, this item was verified. 
How was it verified when the collection company has not validated or verified this information with me? Also, I want the item deleted immediately. 
THEY ARE REPORTING MISLEADING DATA AND IVE CLEARLY SHOWN PROOF THAT THIS IS ALL MISLEADING!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: GA

Complaint narrative:
The Bank of New York Mellon has not processed my two securities/coupons for my XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. Please see the attachments. The Bank of New York Mellon is violating the Securities Exchange Act of XXXX and the Trust Indenture Act of XXXX. The Bank of New York Mellon is the Indentured Trustee for XXXX XXXX according to latest Trust Indentured agreement between XXXX XXXX and The Bank of New York Mellon from XX/XX/XXXX. Please forward this complaint to XXXX XXXX XXXX who is the Vice President of Corporate Trust for The Bank of New York Mellon so the concern will be appropriately addressed. PLEASE NOTE XXXX XXXX IS THE NOTEHOLDER AND I AM REQUESTING PAYMENT OF PRINCIPAL AND INTEREST ACCORDING TO SECTION XXXX PERSONS DEEMED OWNERS which is located in the latest Trust Indentured agreement between XXXX XXXX and The Bank of New York Mellon XXXX XX/XX/XXXX. I revoke/rescind any security interest XXXX XXXX has in accounts ending in XXXX and XXXX and assume all titles, rights, and interest in ALL NOTES. Please do not hesitate to contact me at XXXX or XXXX if any questions arise.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX, Account name : XXXX XXXXXXXX XXXX, Account name : XXXX XXXX,. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 non-monetary relief
Consumer complaint received 2024-01-14 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: National Credit Systems,Inc.
State: SC

Complaint narrative:
According to the Fair Credit Reporting Act, I have the right to ensure that XXXX and XXXX, as consumer reporting agencies, handle my private information fairly and with respect for my privacy. The law, specifically 15 USC 6801, states that financial institutions, including those furnishing information to credit agencies, must have an ongoing obligation to respect customer privacy.

I emphasize that these agencies and the financial institution ( Furnisher of information to credit agencies ) lack my consent to furnish, my information, as stated in 15 USC 1681 section 604 ( a ) ( 2 ). Moreover, they did not inform me of my right to exercise my nondisclosure option, a requirement under 15 USC 6802 ( b ) ( c ). 

I argue that XXXX and XXXX are violating the law by reporting adverse information without my permission, as outlined in 15 USC 1681C ( a ) ( 5 ). Additionally, 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) prohibits furnishing inaccurate information to consumer reporting agencies, and 15 U.S. Code 1681e mandates consumer reporting agencies to maintain reasonable procedures to avoid violations. 

Pointing to 12 CFR 1016.7, I highlight my right to opt out of their reporting services at any time. In summary, I assert that these entities are not adhering to various legal provisions designed to protect consumer rights regarding privacy and information accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I was looking at my report and noticed there was some things that was not correct. I sent a letter to Equifax on XXXX XXXX. Here is the information, but it has been more than 35 days since the credit bureau havent responded thats a violation of 15 U.S. Code 1681i Under 15 U.S. Code 1681i -Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-14 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: WI

Complaint narrative:
In 2023 I requested information be removed from my credit report from experian relating to an account from XXXX XXXX credit card

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 2024-01-14 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: GA

Complaint narrative:
There are numerous inquiries on my reports that I did not make. These inquiries are violating my right to accurate credit reporting. They need to be deleted from my credit file ( s ). FTC advised me to report them to CFPB directly. 

XXXX : XXXX ( XX/XX/2023 ), XXXX XXXX ( XX/XX/2023 ), XXXX ( XX/XX/2023 ), XXXX XXXX  ( XX/XX/2023 ) XXXX : XXXX XXXX XXXX ( XX/XX/2023 ), XXXX ( XX/XX/2023 ) Transunion : XXXX XXXX ( XX/XX/2023 ), 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 2024-01-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are numerous inquiries on my reports that I did not make. These inquiries are violating my right to accurate credit reporting. They need to be deleted from my credit file ( s ). FTC advised me to report them to CFPB directly. 

Experian : XXXX ( XX/XX/2023 ), XXXX XXXX ( XX/XX/2023 ), XXXX ( XX/XX/2023 ), XXXX XXXX ( XX/XX/2023 ) XXXX : XXXX XXXX XXXX ( XX/XX/2023 ), XXXX ( XX/XX/2023 ) XXXX : XXXX XXXX ( XX/XX/2023 ), XXXX XXXX XXXX XXXX XXXXXX/XX/2023 )

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 2024-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I mailed my payment for mortgage to SPS, the servicing company for XXXX XXXX XXXX. I received a automated call on XX/XX/XXXX stating that the payment is due. Again, I sent it on XXXX personally, with the SPS coupon, for a USPS Station. Today is XX/XX/XXXX and no credit of my payments has been made. This is a monthly reoccurence, not posting my payment. Still, after talking to them they say they don't have the payment. I sent SPS a copy of the receipt the USPS gave to me on XXXX, but after tomorrow the payment will be late and therefore show up negatively on my credity report.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: PA

Complaint narrative:
I was denied credit from XXXX XXXX. Upon review of my consumer report, there is a medical collection on my report that should not be there. The account is the result of an on the job injury. I was hit in the face by a crane at work. This is an workers compensation claim. I am not the guarantor nor responsible. Cease and Desist attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
On XX/XX/2023 I contacted XXXX XXXX a spoke to a manager in XXXX, Texas about a gym membership I desired to cancel because of the never using the membership and the front desk staff being unprofessional and not explaining the terms correctly of what I was signing up for. The manager was a female and assure me that she " would take care of it and get it canceled '' that never happened apparently and I was sent to collections. I even sent an email XXXX XXXX XXXX XXXX XXXX on XX/XX/2023 requesting the closure to XXXX XXXX billing company and I owed no money at the time. I got a response from the billing company that stated : Dear XXXX, Re : XXXX XXXX XXXXXXXX Account # : XXXX We have received your request to cancel your membership. At this time, your account has been set up on a pending cancel status. Before your account can be cancelled, you are responsible for a 30 day written request ( this has been fulfilled via your email ) and any payments that fall within that time period. 

Customer Care Offline Processor XXXX XXXX XXXX XXXX XXXX. 
Customer Care : XXXX Email : XXXX Website : XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 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: GA

Complaint narrative:
There are numerous inquiries on my reports that I did not make. These inquiries are violating my right to accurate credit reporting. They need to be deleted from my credit file ( s ). FTC advised me to report them to CFPB directly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I called the credit bureaus and asked to remove personal information there was one removed but all of my personal information is still not off I have sent various letters but its still not off of my 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
Consumer complaint received 2024-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Hi, I hope this message finds you well. I'm reaching out to request a detailed breakdown of each loan, specifying the monthly payment allocated to cover the principal and interest for each. I've noticed fluctuations in my monthly payment from Nelnet since the restart of student loan payments. 

Despite making additional payments on top of my regular monthly payment, my current loan balance keeps rising. This is concerning as I expect my payments to cover both principal and interest for the entire month. Could you please provide insights into why this is happening and explain why my overall balance isn't decreasing? 

Your prompt assistance is appreciated. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
On XXXX XXXX XXXX made a deposit with a teller inside the TD Bank location at XXXX XXXX XXXX, XXXX, MA XXXX into a personal checking account ending in XXXX in the amount of XXXX, comprising of a money order in the amount of XXXX and cash in the amount of XXXX as a single XXXX dollar bill. 

The deposit slip completed by the teller reflects a misspelled customer name and incorrect customer account number, although it does reflect the correct deposit amount including the sum total of the money order and cash deposit. 

On XXXX TD Bank posted a debit adjustment to the account in the amount of XXXX. 

Note that this is the second instance in which TD Bank has posted an incorrect deposit amount to this customer 's account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
I paid amount due by due date. I keep getting notices that my account is over limit by XXXX which is their way of collecting more money from me even though i paid the amount due by the due date.

Company response to consumer: Closed with explanation