vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Marlette Funding, LLC
State: IL

Complaint narrative:
Good afternoon! 

I must say I am very frustrated with THESE COMPANIES. I have been trying to get a loan with THEM for years. Even when I had a XXXX to XXXX XXXX XXXX, I could never get loans with you. I have been wondering for many years that maybe it's just me and maybe it's my credit. I have been going years and years with disputing things off my credit and getting my credit as high as ever. I have done everything to try to make my credit manageable, and I have still BEEN turned down for a loan every time. So now we are gon na do things my way! 

Let me inform your company of some Laws protecting consumers. 
12 cfr part 1002 talks about the Equal Credit Opportunity Act. Consumers by law can not be denied credit. By law you all can not deny me credit transactions for any applications.

Please see the screenshots below I am a CREDIT WORTHY APPLICANT. Individual accounts can not by law deny me credit. This is DISCRIMINATION. I have many adverse action letters even from when my credit was even in the mid XXXX and I was still getting denied. So it makes me think who is responsible for this, the credit bureaus or your company.. 

Please refer to the other screenshot below. Adverse actions are illegal amongst consumers. 
Adverse action : ( ii ) does not include ( I ) information solely as to " transactions '' or experiences between the consumer and the person furnishing the information; or ( II ) information in a consumer report. 

These are transactions that I have applied for for years and I was turned down everytime. This is {$1000.00} per violation if I pursued this towards court. 
This is 15 u.s. 1681m. Please view that as your company has broken this law and has resulted in me being denied for credit over and over. My SSN is my credit card which has been unauthorized by your company, bureaus etc. So you all can make money off my ssn but I can't benefit from credit transactions which are illegal!! Loans, Mortgage, car notes etc are extensions of credit transactions! 
There is civil liability for violation of these laws! Please see 15 usc 1692k. I posted the screenshot below I have been denied credit from you for years and I refuse to be denied again.

Please forward this to your manager or corporate and have them contact me immediately! I want a loan of {$50000.00} or higher. I deserve that amount for all the years of frustration your company has caused me!!! I also want to get some credit cards to improve my credit asap! 

Please don't make me go to higher authorities and take you to court like I may soon do with the credit bureaus. If I take you to court, I have consumer rights attorneys waiting for a case like this. Keep in mind, this is {$1000.00} per violation and I have years worth of denial letters from you so you do the math Thanks! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. XXXX5 U.S.C 1681 section 602 A. States 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
During the student loan payment pause period, I made voluntary payments of a total of {$27000.00} to my student loan account. According to Biden-Harris student loan relief plan ( https : //studentaid.gov/manage-loans/forgiveness-cancellation/debt-relief-info # refunds ), I'm eligible for a refund. In early XX/XX/XXXX, I called my loan service provider at the time XXXX to request a refund. Yet, XXXX transferred my loan to Aidvantage. Thus, I called Aidvantage to confirm my loan status, in which they told me that they would have loan information by the end of XX/XX/XXXX. I called back in the first week of XX/XX/XXXX, and Aidvantage do not have my loan information and told me that to check it back " next week ''. I called Aidvantage back on XX/XX/XXXX and they still do not have my loan information. As of right now, I have no access to my loan information or login information on their site. I'm concerned that I will not get my refunds. 

Timeline Summary : XX/XX/XXXX - I've tried to create an account to access Aidvantage website ; I'm not able to login. I called to confirm the status of my loan ; Aidvantage told me they would have my loan information by the end of XXXX. 
XX/XX/XXXX - I called Aidvantage again and they told me they would have my loan information by the second week of XX/XX/XXXX. I'm still unable to create an account or access their site XXXX XXXX I called Aidvantage and they still do not have my loan information or login access to their sites.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
I asked the credit bureaus to do a verification of everything on my credit report. They said that they did and everything was accurate. However when I went over it myself and did my own research I found a host of inaccuracies and inconsistencies on my report. The following accounts which have been disputed multiple times since XX/XX/XXXX until the most recent XXXX or XXXX letter at this point cent via certified mail on XX/XX/XXXX, I have even called XXXX and been told they never received a dispute when I disputed said account XX/XX/XXXX online via there website. I was then told I don't have an account with them and asked if I was sure it was them. I have received stall letters instead of compliance. 

XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX In accordance with the fair credit reporting act the account numbers above has violated my rights. 15 US C 1681 section 602 A states that I have a right to privacy.

15 USC 1681, section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions. Which I did not provide for the above mentioned accounts.

In addition to the violations above pursuant 15 U.S.C. 1681i, Paragraph ( 5 ) Treatment of Inaccurate or UnveriUnderfiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete

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 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
I asked the credit bureaus to do a verification of everything on my credit report. They said that they did and everything was accurate. However when I went over it myself and did my own research I found a host of inaccuracies and inconsistencies on my report. The following accounts which have been disputed multiple times since XX/XX/XXXX until the most recent XXXX or XXXX letter at this point cent via certified mail on XX/XX/XXXX, I have even called XXXX and been told they never received a dispute when I disputed said account XX/XX/XXXX online via there website. I was then told I don't have an account with them and asked if I was sure it was them. I have received stall letters instead of compliance. 

XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number XXXX In accordance with the fair credit reporting act the account numbers above has violated my rights. 15 US C 1681 section 602 A states that I have a right to privacy.

15 USC 1681, section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions. Which I did not provide for the above mentioned accounts.

In addition to the violations above pursuant 15 U.S.C. 1681i, Paragraph ( 5 ) Treatment of Inaccurate or UnveriUnderfiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete

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 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, 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: EQUIFAX, INC.
State: NY

Complaint narrative:
The website does not allow any login after updating my password several times, and the security freeze I have place on the account is no longer working. There is a problem with updating my email address, and my last email address is compromised, someone else is reading the emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The website does not allow any login after updating my password several times, and the security freeze I have place on the account is no longer working. There is a problem with updating my email address, and my last email address is compromised, someone else is reading the emails.

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 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
a fruad account is still posting on my credt file and i need it removed i have already sent in Police 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 2023-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I applied for the Navy Federal Credit Union XXXX XXXX credit card responding to a promotion that I had received in the mail which featured a {$200.00} cash back bonus when you spend {$2000.00} in the first 90 days. On XX/XX/XXXX over the phone with XXXX of their agents, I made this application. After joining the union and answering all questions I was congratulated on being approved for the card with a $ 500 monthly credit limit. I questioned how I could achieve the bonus with that low of a limit and was told that I would have to request an increase. On XX/XX/XXXX I made that written email request as directed and was denied. I was told that increases are typically given after 3 months. On XX/XX/XXXX I then called Navy Federal and asked for a supervisor in that department. I did get a supervisor but was told that that particular department does not take direct calls. It was explained to me that it is " customary '' to give out initial {$500.00} limits. Again questioning the possibility of gaining the bonus, the agent agreed it would be very difficult but said it could be done by making many small purchases and paying them off as soon as they post. That is ridiculous as nobody works their credit card like that! I suggest that Navy Federal is running promotions with little or no chance to achieve the bonus in hopes of gaining additional customers to more lucrative parts of their business. I believe that this should be stopped. I did immediately terminate my membership with the credit union and cancel my credit card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
The past payment history on my student loans is incorrect. I have struggled with my credit score being low due to the negative payment history of the student loans. This information has never changed and I dont know how to get the late payments deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I have been contacting Huntington Bank since XX/XX/2022. I've been sent a XXXX XXXX XXXX after 2 months of trying to obtain XXXX. I filled out the application and submitted it for review. They sent me a letter telling me they need a list of things. I put a packet together and mailed to them. I've been trying to get in touch with them for XXXX months regarding the packet I sent. I keep leaving messages with NO returned call. I have called approximately XXXX times to speak with someone and am asked several question ( always the same ones ) regarding my hardship. After all calls, I'm told a message will be given to XXXX who heads up the XXXX XXXX XXXX Department. I've left at least XXXX messages for XXXX without a call back. I am currently XXXX  months behind. My XXXX XXXX XXXX XXXX XXXX  and I are on the loan. The house is ouXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've gone through counseling with XXXX XXXX XXXX who referred me to XXXX which I've applied for last week. In the meantime, I'm trying my hardest to work this out with Huntington but am getting nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, 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: SC

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. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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.

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 2023-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
ON XX/XX/2022 THERE WERE 2 UNAUTHORIZED XXXX TRANSACTIONS THAT OCURRED FOR {$300.00} AND {$500.00} ON MY WELLS FARGO ACCOUNTS. UNDER REGULATION E THE BANK HAS THE OBLIGATION TO REFUND ME THE MONEY IF THERE WAS AN " ERROR '' THAT OCURRED. THERE WAS IN FACT AN ERROR BECAUSE I DID NOT COMMIT THESE TRANSACTIONS. I AGREED WITH THE BANK TO CLOSE MY ACCOUNTS AND OBTAIN NEW ACCOUNT NUMBERS. THEY NEVER REFUNDED ME MY XXXX DOLLARS AND TOLD ME IT WASNT A SCAM AND IM THE ONE WHO DID THE TRANSACTIONS. THESE WERE IN FACT A SCAM AND MY INFO WAS COMPROMISED. I REPORTED THE INCIDENT ASAP TO WELLS FARGO BUT THEY LOOKED THE OTHER WAY AND NEVER REFUNDED ME THE MONEY. I AM WRITING TO YOU FOR A SOLUTION BECAUSE I WANT MY MONEY BACK.IT IS NOT FAIR THAT A BANK IN WHICH YOU PUT TRUST INTO TO KEEP YOUR MONEY DOES NOT WANT TO GIVE IT BACK WHEN IN FACT IT WAS STOLEN BY A CRIMINAL. I ATTACHED THE DENIAL LETTER FROM THEM IN WHICH I DONT AGREE ON

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 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, 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: SC

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 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.

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 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
I tried contacting Regional Acceptance Corp on serval occasions, regarding the Charge-off remark I have remaining on my credit report. I was in an accident and my car was totaled. I no longer have the car. However, they put this derogatory remark on my credit and I have tried contacting them several times in attempt to submit payment. I called several times to speak with a manager never heard back and sent emails last year in XXXX as well. I was told by a rep I could submit payment for the charge off remaining amount and have the remark removed from my credit. However, before doing so I requested they put what they're saying in writing, and I will submit payment. I never heard back. This is a huge inconvenience. They are responsible for this remark therefore they have the access & authority to remove it. I do not want to pay them and then they don't remove the remark from my credit report. I've done my own research and typically with charge-offs are successfully paid, the company contacts ALL three-credit bureaus and request for them to remove the remark from the consumer report. The professionalism with them is horrible and their customer service department is awful. They say one thing and do another by transferring me around and never follow-up with me. I expect better. This company doesn't have a XXXX rating for nothing! The accident was not my fault and now I'm being penalized although I'm trying to rectify the situation that happened years ago in 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