vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-23 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: FL

Complaint narrative:
I contacted XXXX and I received a response that my loan is in suppression. 


Upon reviewing the information provided, I have identified inaccuracies in the reported amount owed, which is adversely affecting my credit worthiness. 

I request that you provide evidence supporting the claim that I owe about {$86000.00} to XXXX, as the information currently available is insufficient for me to verify the accuracy of this amount. Furthermore, I believe that this suppression violates my rights under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, consumers have the right to accurate and complete information on their credit reports. I am specifically referring to Section 611 ( a ) ( 1 ) ( A ), which states that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports.

I kindly request that you conduct a thorough investigation into the discrepancies in the reported amount and provide me with detailed evidence supporting the claimed debt of {$86000.00}. Additionally, please ensure that all information related to my account adheres to the accuracy requirements outlined in the FCRA.

I appreciate your prompt attention to this matter and request that you provide the necessary documentation within 30 days, as stipulated by the FCRA. Failure to comply may result in further action to protect my rights under the law. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-01-22 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: GA

Complaint narrative:
I asked about using the add-on product for XXXX  purposes. I was able to use that. I asked about the product that pays you for being XXXX  for a few days. I was told that I did not have the product. I was also told you only get {$500.00} for each claim, not per 3 days of XXXX. I was XXXX  for 13 days from XX/XX/XXXX, XXXX XX/XX/2023 and I feel that OneMain Financial dont want to honor my product I purchased. The company has not been honest about this product.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
XX/XX/XXXX, I was involved in an automobile accident. This accident was in the state of North Carolina where I hydroplaned from bad weather conditions. Due to this event, it lead me to hardship because that was my only vehicle I had in the in state. I was involved in a subrogation between XXXX XXXX, XXXX XXXX, and XXXX XXXX. I purchased gap coverage insurance at the time I got the vehicle. To my knowledge, I had full coverage and the vehicle was deemed as a total loss. The vehicle was seized by the insurance company and their was no offer to settle of any. XXXX XXXX has not contacted me. Even though I have wrote several letters dating to this year on XX/XX/XXXX about the matter. They still continue to damage my credit and report falsely with balances that should not be owed. This company obligations to uphold the federal law for reporting has failed in my eyes.

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 2024-01-22 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: AL

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 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: AL

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.

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 non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: WA

Complaint narrative:
I received two letters in the mail dated XXXX XXXX XXXX, telling me that two of my loans defaulted and if I pay them by XXXX XXXX XXXX then I can avoid them defaulting. I called to try and settle this. I was told on the phone that the two loans I was calling about didn't default but that one of my loans was in the process of being sold to a debt buyer. When asked why I received a letter about two loans that weren't defaulting, she said she wasn't sure but said that I have received several calls from them regarding my loans. They call me about 50 times a month and they also call and harass my family members regarding my loan payments. YET they didn't send me a letter about the loan currently being sold to a debt collector. They gave me ZERO chance to try and avoid it defaulting. When they called me on XXXX XXXX and I told them I couldn't afford to pay until I got paid on XX/XX/XXXX, they basically said " too bad ''. I am struggling to pay my bills and now there is a potential that my wages will get garnished because Sallie Mae DID NOT inform me that they were about to sell my loan to a debt buyer. I am FURIOUS when speaking to the lady on the phone all she said was " I've struggled myself, you'll get through this '' then proceeded to give me the number of the debt buyer while I was BAWLING my eyes out on the phone. I didn't write the number down or ask for it. I asked WHY I hadn't received a letter for the CORRECT loan in order to avoid it defaulting. She then stated that a letter was mailed out to me on XX/XX/XXXX ( which I have not received ) and she told me there was NOTHING that I could do. I am FED up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Our XXXX XXXX XXXX wrote a check to a vendor ( XXXX XXXX ) in the amount of {$5900.00} on XX/XX/XXXX. The check was intercepted somehow and altered to the name of XXXX XXXX on the payee line and his name and address ( XXXX XXXX XXXX XXXX, XXXX, FL, XXXX ) were added to the memo line where XXXX XXXX had originally been. The check was completely altered. His name was on the back where he cashed or deposited it. I contacted our bank and filed an affidavit for fraud since the check was intercepted and altered. I googled the name and he is a known criminal in Florida. I'm not sure where the check was intercepted and how he got it. I mailed it on XX/XX/XXXX in Texas and it was cashed or deposited by him and cleared our bank on XX/XX/XXXX. I was unaware of this until XX/XX/XXXX when someone with XXXX XXXX inquired about our payment. On this date, XX/XX/XXXX, we went to our bank and began the process. They investigated and said the check was cashed or deposited at a Chase bank but they couldn't tell me where, what branch, or if it was cashed or deposited. They also said that Chase will not refund the fraudulent money. Our bank is XXXX XXXX in XXXX, TX. He cashed it at a Chase bank somewhere. On the back is his printed name, but no account number. I'm wondering how Chase and can just not refund money for a fraudulent check from a known criminal. Also, how was it deposited or cashed if he didn't write his account number on the back under his signature and it was a large check and Chase is not our bank? We are just wanting our refund of {$5900.00} for the fraudulent money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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:
Credit debt, collection accounts, poor credit scores, made settlements and making payments toward my statement.

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 2024-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: OneMain Finance Corporation
State: MT

Complaint narrative:
I have contacted One Main Financial multiple times to resolve the debt owed. They are running me around between them and their hired attorney because I have found multiple inaccuracies with the debt and want it deleted instead of paying them after they wrote the debt off ( which is recorded in my credit report ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: SC

Complaint narrative:
I HAVE DISPUTED THIS ACCOUNT NUMUROUS TIMES WITH XXXX XXXX XXXX XXXX XXXX ASK THEM TO PRODUCE INFORMATION ON HOW THEY VERFIED THIS ACCOUNT, IT HAS BEEN MONTHS AND THEY HAVENT RESPONDED OR PRODUCE ANY INFORMATION.

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 2024-01-22 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: OK

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TRANSUNION REPORT NOT MADE AVAILABLE TO ME AS A RESULT OF THE XXXX XXXX BREACH I attempted to retrieve my Transunion report through annualcreditreport.com and received notice that it was unavailable. 

I then attempted to log in to the Transunion app as I have done before and the system stated my last name and social security number did not match. 

To be sure I did not type anything in error I repeated and attempted to login three more times without success. The feature that allows for resetting my login credentials also did not allow me to move forward. I am a victim of Identity theft as a result of the XXXX XXXX BREACH

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 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
The problem is that I received the information after the account was closed. I dont have any prior knowledge of the account at risk of being closed. I have been a little bit behind on payments, but made payment arrangements through the credit card department. I feel that I was discriminated against due to my race.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Can you update my address and name on my credit profile.

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 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX, my credit card statement was credited with an {$880.00} payment. I didn't recognize this payment. 
On XX/XX/XXXX, I contacted Capital One to alert them to this problem. I asked them where the payment came from, and Capital One told me that it came from a third party payer service and didn't have any further information. They assured me it was a legitimate payment and that I needed to take no action. 
Without any further contact on this issue, the company suddenly reversed this payment on XX/XX/XXXX, nearly XXXX months after I first contacted them. They did not warn me this was going to happen, nor did they make any explanation for this. When I called them, they insisted it had been an erroneous payment all along and had notified me that they were going to charge back the payment. 
They had not contacted me, nor had they sent a letter. They sent me a letter - dated XX/XX/XXXX - only after I contacted them to ask about the {$880.00} charge back. 
This was an accounting error on Capital One 's part, and when I first contacted me they assured me that the payment was legitimate and that I needed to take no action. 
I made a good faith effort to resolve the issue when it happened. To now suddenly be charged these funds, after being told they were a legitimate payment, is unfair and appears to be a violation of the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I have, been banking with pnc for a couple years and I been have issues since the past year of them being XXXX  taking money from me denying me my disputes and not talking them seriously I also applied for a business loan with a cosigner who been with them for years they approved us and when they saw my ID they denied it and brought up some XXXX  reason I have had bank tellers at XXXX XXXX  in XXXX fl out there hands in my face yell at me and more I have been treated with no respect and they also called other banks for me to not get approved anywhere else if I am the creditor code 15 usc 1602 isn't this against the law also banks are required by law 12 usc 1431 to provide the loan I had all the right info

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Over the weekend I was trying to use my credit card at a legitimate business when I got a text, call and app notification that there was fraud on my card. The only thing I can think of was that it was because I had just switched to a new phone. 

I called them when I got home and they asked me a number of security verification questions which I answered. They then said that wasn't good enough and they needed another phone line. I gave them my girlfriends phone number after which they said that it wasn't the right kind of phone number with no explanation. They then asked me if I had a third phone or a land line. I do not. They then said that they are going to mail me a letter. 

At this point in time, I was so frustrated with the process. I asked them to just close my account and send me my final bill because I no longer have access to my account online and I only receive electronic bills from them. They informed me that I could not close my account until I received the letter. I called back on Monday and asked them if I could file a formal complain and that again, I do not want to be a customer of theirs and want to pay my account off and close it so that any balance on my account does not accrue interest. Also, I do not want to have to keep calling them and providing new, even stranger information. They informed me that they can not close my account without this verification. 

Thanks, 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 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
ALLY credit card company said they did not receive my payment or it came back as insufficient funds and it dropped my credit score down XXXX points but my bank shows that it was taken out on XXXX XXXX when my bill was due on the XXXX so I paid it early and they say they did not receive it so it made my account late

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 monetary relief
Consumer complaint received 2024-01-22 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: SC

Complaint narrative:
I HAVE DISPUTED THIS ACCOUNT NUMUROUS TIMES WITH XXXX XXXX XXXX XXXX XXXX ASK THEM TO PRODUCE INFORMATION ON HOW THEY VERFIED THIS ACCOUNT, IT HAS BEEN MONTHS AND THEY HAVENT RESPONDED OR PRODUCE ANY INFORMATION.

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 2024-01-22 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: SC

Complaint narrative:
I HAVE DISPUTED THIS ACCOUNT NUMUROUS TIMES WITH XXXX XXXX XXXX XXXX XXXX ASK THEM TO PRODUCE INFORMATION ON HOW THEY VERFIED THIS ACCOUNT, IT HAS BEEN MONTHS AND THEY HAVENT RESPONDED OR PRODUCE ANY INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The company froze all my chase assets without any right to do that. i answered all their questions, he, XXXXXXXX XXXX XXXX did not like my answers. This is the XXXX time chase has locked my account, each time I went to the bank addressed their concerns and they unlocked my account. This time after providing a list of receipts and pictures of the remodeling work they said they would get back to me in 2-3 days. That is baloney. I needed that money to pay my bills. This dis service has caused me pain and suffering, and yet Chase XXXX XXXX can do whatever they want with my money. XXXX is his name, he presented no ID we just had to take his word for it. XXXX XXXX XXXX. I feel that Chase has singled me out. The first time was at the bank where they refused to give me my money. They told me to come back another day. I said why are you discriminating against me. He the banker ignored me. A second time I had to go in and verify that it was me. This is the XXXX time where they called me a liar and took my money without any reason and recouse for myself. 

I have filed a compalint with the EEOC for age discrimination, just yesterday.

Company response to consumer: Closed with explanation