vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-04 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: NC

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. XXXX. XXXX XXXX XXXX XXXX : # XXXX XXXX. XXXX XXXX XXXX : # XXXX XXXX. XXXX XXXX : # XXXX XXXX. XXXX : # XXXX XXXX. XXXX XXXX XXXX XXXX : # XXXX XXXX. XXXX XXXX XXXX : # XXXX XXXX. XXXX XXXX XXXX : # XXXX HAS VIOLATED MY RIGHTS 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.

FURTHERMORE 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In generalAnypersonwho willfully fails to comply with any requirement imposed under this subchapter with respect to anyconsumeris liable to thatconsumerin an amount equal to the sum of ( B ) in the case of liability of a naturalpersonfor obtaining aconsumer reportunder false pretenses or knowingly without a permissible purpose, actual damages sustained by theconsumeras a result of the failure or {$1000.00}, whichever is greater ; ALSO Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 2023-11-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: 1st Franklin Financial Corporation
State: TX

Complaint narrative:
I received a loan check in the mail from 1st Franklin Financial ( XXXX ) in XXXX, Ga. I did not apply for a loan in any way, nor am I interested in taking out a loan. I have never had contact with this company. Over the last year, I have not sought any financial assistance of any kind from any company. 

The letter includes the following : " It's true, attached is a real, cashable check made out to you for {$2000.00}. Once cashed, that's only {$140.00} per month. * Enjoy the convenience your good credit history has earned you. Cash or deposit your check today. '' " By signing this Arbitration Agreement ( " Agreement '' ), you agree : You are giving up your right to go to court. 
You are giving up or limiting the rights you would have in court. These rights include the right to force someone to testify. 
You are giving up or limiting you right to appeal the decision if you lose. 
You are giving up your right to be a class member or class representative in any Class Action or Class Arbitration ... '' " Visit us online at 1ffc.com '' " ANNUAL PERCENTAGE RATE The cost of my credit as a yearly rate 35.95 % '' The letter is then signed by XXXX XXXX, 1st Franklin Financial Corporation, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Tx XXXX ( XXXX ) XXXX It is worth noting that the annual credit rate limit of the agreement exceeds that set by the State of Texas ( where the letter was penned and where it was delivered ) ( https : XXXX XXXX XXXX ). I plan to inform the appropriate state authorities in a separate filing. 

My complaint to the CFPB is that this is obviously a predatory marketing tactic designed to trick individuals into taking out a loan and waiving rights to challenge the fact. The check itself is the only area in the enclosed documentation with a signature line, which is on the back of the check as any endorsement would be. The phrase " this is a real check '' is repeated throughout the documents. 

This sales tactic is also an easy way for anyone to intercept the letter and cash the check, thus taking out a loan under some else 's name with a single signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Continental Finance Company, LLC
State: WI

Complaint narrative:
Around XX/XX/2023 I had closed my XXXX master card account due to fraud charges that kept happening every month the reason why I had closed the account is because these fraud charges that happened on my card kept happening over and over again even about XXXX months or longer before I had closed the account every time I seen these charges on my card I would file a complaint and have them send out a new card with a new number and I wouldnt even use the card they would send me and then all over again the same charges would happen this happened over and over again where several charges from XXXX XXXX and XXXX would show up on my transactions sometimes these transactions happened several times in XXXX day after the next, the company then refunded me the money for the claim but after it kept happening they quit refunding me when they know it was fraud from previous claims filed so when it kept happening and I wasnt giving the number out to no one with the new cards given but the charges kept appearing on my transactions. Now Ive closed the account and every month I make the minium payment and the XXXX  master card company keeps putting late fees on me when I pay it on time with the app then they will call me and harassing me saying the payment wasnt made but I know it was and it was done on their app. Even when these charges kept happening I would go on the app to download the statements but they would not be available on my account and on the app. I feel the someone in their company is doing the fraud and making the charges on my cards because it keeps happening when a new card is sent out and the only ones with the number is me and them and if I aint making these charges then someone in their end has to be doing it. They still have not refunded my money for the last claim I filed, and they keep putting more charges on the accout when its been closed for several months.

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 2023-11-04 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 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 2023-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
On XX/XX/2023 I received a letter from citizens Bank informing me that an account in my name was overdrawn by the amount of {$18.00}. The letter informed me that the last four numbers of the account were XXXX. I called citizens Bank fraud department and spoke to a XXXX who explained that this account was opened online in XXXX showing no activity since and the overdrawn amount was due to monthly banking fees. The fraud XXXX zeroed out the balance, enclosed the account and recommended I notify the FTC. I never open this account, nor have I ever had an account with citizens Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
I was given incorrect information from MOHELA regarding if I should consolidate my student loans to get the highest payment count to have all of my loans forgiven. 

I had a total of XXXX direct loans with different payment counts ranging from XXXX. I questioned if I needed to consolidate my loans in order to have all of them forgiven because I was concerned about XXXX of the loans having only XXXX payments. 

During a call with MOHELA in XX/XX/XXXX, I was told since all of my loans are Direct Loans they would receive the highest payment count. I also addressed the issue again with a supervisor in XX/XX/XXXX whom I never heard back from after he needed to get my files from XXXX XXXX. 

On XX/XX/XXXX, XXXX out of XXXX loans got discharged after reaching the XXXX-payment requirement. The loan that didn't get discharged only had XXXX payments. I had already left my qualifying employer ; therefore, I was unable to get the additional XXXX qualifying payments to have the remaining {$3500.00} forgiven. 

I paid the balance, but had I been given the correct information from MOHELA, I could have consolidated the loans to get the highest payment count tp get the {$3500.00} forgiven with the other loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: IA

Complaint narrative:
I have been monitoring my credit scores for XXXX  years. And my score dropped by XXXX points. Because XXXX c systems reported a media com Bill And did not send a notice to dispute or XXXX day to validate to an address Of which I have lived at XXXX  years. 
This is a violation of my consumer rights and I demand its immediate removal.

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 2023-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
LVNV FUNDING LLC INTENTIONALLY PROVIDED FALSE DATA TO THE CIVIL COURT OF THE XXXX XXXX XXXX XXXX TO PROCEED WITH A LAWSUIT. 

LVNV FUNDING LLC IS ENGAGING IN ILLEGAL ACTIVITY, FALSIFYING DATA IN REGARDS TO SERVING A SUMMONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: OneMain Finance Corporation
State: TN

Complaint narrative:
this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 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: TX

Complaint narrative:
Im begging you please remove this to the credit 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 2023-11-04 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: FL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 non-monetary relief
Consumer complaint received 2023-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX I cosigned a vehicle for a friend. We had a verbal agreement for him to refinance the car after making on time payments for 6 months to 1 year. The first contract that was created had fraudulent information furnished upon the documents just so that the loan will be accepted by the creditors. There was an error in the first contract it was not accepted by creditors so we had to go back and resign another contract to get accepted by another creditor. The second contract created also had fraudulent information furnished upon the documents so the loan will be accepted by the creditors which also shown up on my personal credit report which caused me personal issues with my landlord as far as income, income proofs like documents ECT. The second contract that was created also had fraudulent vehicle amounts and information because of that made the loan more than with the car was actually worth which resulted in higher loan, interest, and payments.The dealership also required a warranty protection plan that had to be purchased in order to get the loan to be accepted which was an additional {$2000.00} but it didn't cover anything that needed to be fixed or repaired on the vehicle. That {$2000.00} could have been used towards an additional down payment on the vehicle instead of getting the warranty which was a waste of money. Now 30 days to 60 days down the line things started falling apart on the vehicle and the warranty that was purchased does not cover the repairs for the failing parts on the vehicle.Here it is one year later payments were made on time for a total of 12 months and the creditor the dealership sold the loan agreement to does not have a cosigner release form. So if the cosigned fails to pay the car payments in the event of the car breaking down or having additional failing parts that falls on my responsibility I can not afford.I called the dealership and asked them to recreate the loan and resubmit to the creditor they denied. I contacted the creditor they claim they do not have a cosigner release form and I may be stuck in a fraudulent vehicle finance contract. The person I co-signed for refuses to address the issues with refinancing the vehicle so it is solely in their name after all of these fraudulent issues. I took so long to write a complaint because I didn't know who to report it to and how to go about the situation.

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 2023-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I had a Commenity credit card that I payed off the balance and closed in 2021. The company XXXX XXXX insists that I owe {$210.00} that I need to pay. Commenity can not " find '' my account because it's closed. Yet I am still getting emails and calls from XXXX XXXX insisting I pay the money " owed '' though they can not tell me what the money is for ( other than that it was owed to Commenity and they now own that debt ). Attempts at clearing this up with both companies ( Commenity and XXXX  XXXX ) have not accomplished anything. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TN

Complaint narrative:
Chime is the absolute worst as they have denied my claims at the last minute of issuance of provisional credit multiple times even though they have plenty of evidence to charge back the merchant. This is over $ XXXX and they do not care one bit. I am at a total loss and this fake bank needs to be out of business as they have the worst service and are a fraudulent organization

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 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: CCS Financial Services, Inc.
State: TN

Complaint narrative:
CCS collections is attemping to collect debt on behalf of liberty mutal. date open was XX/XX/21 last date of activity was XX/XX/21. I have never own, leased, or rented a vehicle or home that had this company as an insurance policy holder. this debt was placed my credit fraudlently. I disputed with XXXX and XXXX credit reporting agency and they both recognized this as a debt that does not belong to me. It was deleted. Now this is on XXXX and it has not been deleted I have disputed this numerous times. Their is no proof that i have ever own, leased or rented a home or vehicle associated with this company. This is fraudulent. Again this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 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: MD

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04 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: MD

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry froI am a victim of identity theft please remove this fraud inquiry from my credit report.m my credit 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 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
EXPERIAN, WILL NOT LET ME BACK INTO MY ACCOUNT BECAUSE I CHANGED MY PHONE NUMBER, I GAVE THEM ALL THE CORRECT INFORMATION, STILL THEY WILL NOT LET ME INTO MY ACCOUNT I'M VERY MUCH ANNOYED WITH EXPERIAN. 

IT'S BEEN OVER THREE WEEKS STILL I CAN'T GET INTO MY ACCOUNT. 
I CALLED AT XXXX XXXX XXXX XXXX XXXX XXXX TODAY AND NUMEROUS OTHER TIMES NO-ONE WILL HELP, I FEEL THIS IS DELIBERATE FRAUD. 

PLEASE HELP I NEED ANSWERS.

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