vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-08 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: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Associated Credit Services, Inc.
State: TX

Complaint narrative:
I am unlawfully being billed/ sent to collections for a debt I did not authorize from XXXX XXXX XXXX XXXX as well as XXXX XXXX XXXX XXXX. My social security was never used in said agreement sent to me and the original email sent had the incorrect address addressed to my name. I have reported identity theft with XXXX XXXX Police department in XXXX as the result of a car theft which is also on record. Ive also reported identity theft with my bank with FTC ( XXXX ) in XXXX which could also be a reason why my information is being illegally used.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
It's been 30 days since I submitted a CFBP complaint on XX/XX/2023. Experian has violated FCRA RULE 15 USC 1681. IT'S Now BEEN MORE THAN 30 DAYS.. EXPERIAN HAS NOT RESPONDED TO MY COMPLAINT.

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 2023-09-08 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I was enrolled in an interest only repayment plan and when the plan was over, on XX/XX/XXXX, an unauthorized amount of money was taken from my bank account.

All letters and account information showed one amount due and a larger amount was taken.

I emailed and called and was told that the loan payments were applied incorrectly for 2 months and that the larger payment was taken for their mistake. I was also told that they had open access to the account and I had given blanket authorization. I asked for the call recording and for a case review and no one has been able to find them. 

I have been calling, filing complaints, emailing since XXXX and no one has found an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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: 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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ASSOCIATED BANC-CORP
State: MA

Complaint narrative:
My autoloan was set up on XXXX. Before applying for the loan, I ensured that this company allowed for any extra payments above the invoiced amount to be applied to the principal on the loan. 

Call XXXX XX/XX/XXXX I called on XXXX before my first payment to confirm that any payments I made above the invoiced amount would be applied to the principal. On this first phone call, I was promised that the account would 'coded ' to do this and would automatically do this on any future payments. 

Call XXXX XX/XX/XXXX After making several payments, I noticed that my extra payments were not being applied correctly. The first payment I made on XXXX was applied correctly, but the following payments on XXXX and XXXX were not. I called and asked if my account was 'coded ' to allow extra payments to go to the principal. I was told it was not. I requested that this be fixed and retroactively applied to the incorrect payments on XXXX and XXXX. I was told these would be fixed and reflected on my account in 2-3 days and any future payments would also be applied correctly. I was advised to wait 1 week, then call again if there continued to be an issue. 

Call 3 XX/XX/XXXX After checking my payment history daily for a week, there was no change. I called again and explained the problem. The representative noted that the request I had made on XX/XX/XXXX was still pending. They submitted another one and I was assured, again that it would be fixed in 2-3 days and reflected on my account. 

Call 4 XX/XX/XXXX After no changes were shown on my account again, I called for a fourth time and asked to speak to a manager. My case was not escalated at this time and I continued to speak to the same representative. They put me on hold for a little while and investigated what the issue was. I did not receive any explanation at this time as to what the problem was but was assured ( for a fourth time ) that all of my payments would be fixed. I asked for confirmation of this and was told that their support would reach back out to me when the issue was resolved. 

Current date XXXX : Their support has not made any attempt to reach back out to me via email or phone call. A few days after the XX/XX/XXXX call, the payment I had made on XXXX was corrected so that it was applied to the principal. However, the payment I made on XXXX still has not been fixed. In addition, I made my next monthly payment on XXXX. This was processed this morning and the extra payment that I made did not go to the principal. 

I have included screenshots of my current payment history as well as the call logs with their support line.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I was changed for {$280000.00} in XXXX for legal fees unknown. Transferred to a different mortgage servicer on XX/XX/2023 and still have received no documentation for these fees. They added these fees a week after filed complaint # XXXX XX/XX/5023 with CFPB..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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: MD

Complaint narrative:
on XXXX I went to review my credit report from Transunion and XXXX have inquires on my report that i did not request or have any knowledge or I have not asked or given anyone permission to run credit however i also locked my report froze my credit and added an alert also they still have inquires on my report dated back two to three years ago also i have sent multiple via mail and they always state that they have not received them to send another request. my information has been exposed on the dark web due to multiple data breaches

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 2023-09-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I have received targeted promotion to open a checking and savings accounts with Citizens Bank NA ( attached ) and get {$300.00} bonus on both if I follow the rules which I did. See account transactions for reference. Since never got the bonus, I have contacted the bank and case was opened to investigate the issue ( see attached ). The reply was that I didn't qualify for bonus since I was withdrawing my direct deposits from my checking and checking account closes after 10 days if {$0.00} value. I get my salary every two weeks and if checking account is closing after 10 days of zero balance it makes it unreasonable. 
Regardless of checking account promotion, I also never got my {$300.00} for savings account where I have tied up {$15000.00} for more than 3 months with virtually zero interest instead of getting market 4.3 % APR in other banks. There is no dispute that I followed all the terms of the offer for savings bonus, see all the transactions attached. 
This dishonest behavior engineered to make people deposit and hold substantial amounts of money with 0 % interests rates while not providing them promised payout. I hope you can address this unethical and probably illegal way of conducting business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Foursight Holding LLC
State: MO

Complaint narrative:
Hard inquiry on credit report i didn't authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 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: TN

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 : US DEPT ED Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX  has violated my rights. Or 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 non-monetary relief
Consumer complaint received 2023-09-08 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: TN

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 : US DEPT ED Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or 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 2023-09-08 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: DC

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I called my bank to open a chargeback dispute being authenticated using my pin and card number but they denied that saying I dont have XXXX, and also there is no phone number on my profile wich is XXXX XXXX XXXX. I live in XXXX now so I cant be forced to go to a branch to do this. The law allows me to make the clai by phone, in person or by text. 

I need to dispute XXXX trasnactions for merchadnize not received. 
XXXX ) XX/XX/2023 {$99000.00} XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/2023 {$99000.00} XXXX XXXX XXXX XXXX pro XXXX ) XX/XX/2023 {$99000.00} XXXX XXXX XXXX XXXX pro the XXXX transactions were made on the store, in person. but they dont have the stock of the items on the same store so they will send it to my home no later than XX/XX/2023. 
I tired to reach them several times bu phone and website without any answer, they never provided a tracking information or delivery confirmation. Im not on that city to go to the store to make the claim, thats why I need to request to open the chargebach due merchandize not received. I have the invoice showing they must sent the items I justneed to know there to send it.

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 2023-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
A JCMBC account was opened XXXX without my knowledge or consent. I called company and closed the account. Reported Fraud to all three bureaus and added fraud alerts.When I asked for proof of application the woman said that it can't be released because I didn't open account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 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: 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 XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXXXXXXXXXXX**** Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 non-monetary relief
Consumer complaint received 2023-09-08 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: 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 XXXX  Account Number : XXXX Account Name : CHRYSLERCAP Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXXXXXXXXXXX**** Account XXXX : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 2023-09-08 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: FL

Complaint narrative:
I have filled a complaint about my credit score and name I dont know why old name keep coming up I changed my name and now it shows to credit profile and now my credit score shows lower on old credit profile it should under my old name XXXX XXXX XXXX I lost XXXX points Im so confused as whats going on that profile under XXXX XXXX need to be removed

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