vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-19 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: TX

Complaint narrative:
Your agency 's blatant negligence has driven me to a state of severe distress and frustration. A recent investigation into my credit report unearthed a cesspool of unverifiable, invalidated, inaccurate, and questionable items, casting a dark shadow over my financial well-being and mental health. 

The Fair Credit Reporting Act explicitly mandates that every entry on a credit report must be 100 % accurate. Yet, the accounts under your jurisdiction, as highlighted in 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), are in direct violation of this fundamental requirement. 

The impact of your agency 's incompetence on my life is immeasurable. I am attaching copies of all previous communications, which outline the egregious discrepancies that demand immediate rectification. 

I demand swift and decisive action to correct these violations. Failure to address this matter promptly will leave me with no choice but to pursue legal avenues to enforce my rights under the Fair Credit Reporting Act. 

I anticipate your immediate attention and corrective action.

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 2024-01-19 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: MD

Complaint narrative:
incorrect information on my report on my credit

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 2024-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
I was unable to make the payment. Now 4 years later my wages are being garnished

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS
State: TX

Complaint narrative:
XX/XX/ i applied for employment at a hotel that required consumer report to be procure well upon procurement i went from having a definite cook position to being told they could not have people like me Working at their business and I was confused until I received the adverse letter in the mail and it was due to old information like arrest records multiple names multiple addresses just all of my information that Ive ever been a part of and I dont recall Lexis nexis in any of my business dealings but yet here they are taking food off my table and upon noticing them via postal service they return the same generic letter stating cant complete request as if they dont comprehend what disputes mean they are selling non credit related transactions to agencies like XXXX XXXX and XXXX as well as potential employers not even paying any consideration for accuracy or regards to a person likeness and character as its all just profit obviously for them procuring free public information about private non public matters in detrimental unfair and gross negligence with brute aggravated identity theft and is being asked to cease and desist furnish inaccurate adversely not in favor of the consumer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: MN

Complaint narrative:
In XXXX of 2022, I took out a loan. I tried to set up payment plans and they denied my ability to change payment status. Now, my credit report has this information and I have negative impacts on my credit report. I asked for accurate reporting info and did not receive it. This was in XX/XX/. Interest continues to incur and I've tried to dispute with XXXX but these issues have continued to impact my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: Exeter Finance, LLC.
State: KY

Complaint narrative:
I was a victim of Identity theft. I have filed a police report, FTC report, and signed a affidavit. I have disputed this fraudulent account on numerous times with XXXX, XXXX, and XXXX and no resolution. I have disputed this account directly with the creditor, Exeter Finance and no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: World Acceptance Corporation
State: GA

Complaint narrative:
Everytime it says I was qualified I applied and was denied and it kept making my credit score go down.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: CA

Complaint narrative:
After i found out i was a victim of identity theft, i contacted the bureaus and they told me how to remove the fraudulent accounts from my credit, however they havent removed anything.

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 2024-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX Police Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX Description of the complaint I believe to be an anti-semetic hate crime encountered ON XX/XX/XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MO XXXX We Arrived at XXXX XXXX on XX/XX/XXXX. Had trouble getting door to unlock with card. The door was not installed correctly. The latch assembly had no clearance between it and the doorframe/striker plate. We had to body slam the door to open. We immediately found the phone not working and went to the office. We were treated disrespectfully by who appeared to be the owners and put off. At XXXX XXXX the defective phone was still not replaced. We went to the office and told them if it was not taken care of we would file a complaint with the XXXX and the Missouri Attorney General 's office. The phone was replaced. The television was worthless! The remote would not work. We went to the office multiple times and treated terribly by the owners. We got one after another line of XXXX excuses. It never did work properly our whole stay. We had difficulty pulling the door tight enough to latch properly due to improperr installation and fitment. We had to force open the door constantly and slam hard to get to latch. 
I placed a 14kt gold ring on the nightstand Friday night. It was missing Saturday night when we returned from a show ( XX/XX/XXXX ). The ring had the the XXXX LETTER FOR JEHOVAH ENGRAVED IN BLACK ON THE OUTSIDE AND MY NAME ENGRAVED WITH A DATE IN XXXX. This was awarded to me upon completion of degree work in the XXXX XXXX in XXXX. The current radical anti-Semitic climate so prevalent i can only conclude that this was a hate crime due to the predominant XXXX letter for Jehovah. Our XXXX wedding anniversary accommodations were the worst we have had in XXXX since coming here every year since XXXX! I am on total XXXX plus XXXX. The hired staff were helpful, but the owners/managers were the most arrogant disrespectful people I have ever encountered! 
A police report was made to the XXXX Police Department. 
Please add this information to the police report. I have filed a complaint with the XXXX and the Missouri Attorneys office and other agencies. I am a senior citizen on total XXXX plus XXXX. We were there celebrating our XXXX wedding anniversary. We have been visiting XXXX since XXXX! Usually more than once every year for the last 51 years! You have no idea how bad I want the ring returned! 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 2024-01-19 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Dear Navy Federal Credit Union, I hope this email finds you well. My name is [ Your Name ], and I am writing to address a matter regarding my credit report. Upon reviewing my report, I noticed that an item has been marked as a charge-off. I understand that circumstances can lead to such situations, and I am reaching out to request the corresponding 1099 for this specific charge-off. 

Additionally, I want to provide context to my current financial situation. I unfortunately lost my job on XX/XX/year>, and despite my best efforts, I have not been able to secure employment since then. I attempted to communicate this to a representative in XXXX, but I continued to receive calls despite my explanation. 

I kindly request your assistance in providing the 1099 for the charged-off item, and I would appreciate any consideration given to my financial hardships during this challenging period. If there are any forms or procedures I need to follow, please guide me through the necessary steps. 

Thank you for your attention to this matter. I look forward to your prompt response and appreciate your understanding. 

Please send the 1099 to the address below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Fl. XXXX Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
Regions Bank has and still is charging OD fees and processing in such a way that it is impossible to make sense of what fee was assessed on what day and for what charge it is aligned with. This has been going on for over 5 years now it seems that once I became XXXX and in and out of hospitals with sickness it has just been an ongoing issue. 
I have been a customer of this bank since XX/XX/XXXX. I have given them multiple opportunities to resolve this behavior to no avail. They also will charge od fees on items let them sit for several days reverse said items with out issuing od reverse of said items.

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 2024-01-19 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: NJ

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # 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. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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: NJ

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # 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. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX Has been submitted fraudulent information and consistently has accessed my credit report and submitted negative reports to severely damaged my credit score multiple times without my permission authorization or knowledge consistently through multiple different companies that I have no knowledge of and have made threatening calls and contact that it would repeatedly submit false reports and information to dramatically affect my credit score I have told them on numerous occasions that I have no knowledge of these accounts and soon as I stated that they would illegally access my credit report without my consent and permission and submit negative information causing my credit score to drastically drop

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: OneMain Finance Corporation
State: MS

Complaint narrative:
I went to one main financial for a loan, that initially would have equaled XXXX a month to pay. They told me about these add ons and perks with the promise that I could cancel them whenever I desired.. my first payment was XXXX and I was appalled. I reached out to them and they didnt help me cancel, I tried working it out with them, but was not successful. I was taken to court, without my knowledge, and now Im being garnished

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: OneMain Finance Corporation
State: TN

Complaint narrative:
I purchased an XXXX  back in XXXX that was brand new and the loan was with OneMain Financial. The entire amount was a little over XXXX for the XXXX. Last year of XXXX, I was having financial issues due to lack of work and I had to get another loan in order to pay my bills which was a little over XXXX. Instead of keeping the loan separate because I was told they couldnt do XXXX  anymore they added the XXXX with the XXXX loan and sent me my title which made the loan equal to about XXXX. I ended up having to call another company to take over the loan because OneMain started harassing me about the loan. Im not really sure what the whole deal about not being able to do XXXX  was about but something didnt seem right to me at the time. Im just trying to be sure I wasnt scammed out of any extra money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I was in the process of getting a XXXX  from my bank. On XX/XX/XXXX I received an e-mail that advised me that I had a judgment against me in the amount of {$1700.00} from Asset Acceptance LLC that I must pay in order to get my loan. I tried to find out who or what that company was and it turn out to be a default judgment against me on XX/XX/XXXX because I missed pre-trial. I was never notified or summoned for court. When I tracked down the new company that took over Asset Acceptance LLC, Midland Credit Management Services, they said I now owe them {$4400.00} for a XXXX XXXX account that was opened in XXXX. I do never opened an account with XXXX XXXX and I have no knowledge of this debt. They said I'd have to do an affidavit ftc.gov or police report to dispute it. I went to the local police, because of the age of the debt, they need more evidence and could not file a report. I'm trying to reopen the case for the judgment against me because I was never notified and this is a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I was gifted an Electronic American Express Gift card ( card ending XXXX ) from my employer with a value of {$250.00}. I registered the card and have not been able to use the card at any retailer ( online or in person ). I called American Express and they advised me that many retailers no longer accept the card. I asked if they could send me a physical card to present at a store, in the hopes that it would alleviate the issue- I was advised they could not. I now have a card that I can not use.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
PayPal - will not refund me for an order that was not delivered. The " carrier '' they told me to reach out to, to get " proof '' that my order was not delivered does not have a phone number in English nor a way to contact anyone in the United States. 

Order was placed on XX/XX/XXXX  to a company called XXXX. The amount was {$79.00}. The order never arrived and PayPal is refusing the refund the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: NJ

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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: CA

Complaint narrative:
OFFICIAL CONSUMER COMPLAINT and FORMAL DEMAND a thorough CHECK of the required CERTIFIED COMPLAINT REPORTING OF PHYSICALLY VERIFIED valid, true, accurate, complete, and timely of the reported alleged claims. Furthermore, I chal

lenge you to provide evidence supporting these claims. As a consumer, I have the right to contest the reportability of any information that is deficient in any way. I demand that you promptly and PERMANENTLY delete any alleged claims of inquiries, delinquencies, or derogatory remarks if you are unable, unwilling, or fail to demonstrate lawful evidence as requested throughout this notice. This removal must be carried out without exception or delay. To Whom It May Concern : My consumer rights are
being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and

Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: UT

Complaint narrative:
I was scammed into making a money transfer to another bank account. I was told my account was frozen and I needed to transfer money to make the funds available while my accounts was cleared. After realizing what happened, I reached out to my bank and explained. They said there was nothing they could do, but to reach out to the federal trade commission. They said if the FTC reached out to them, they would have information but they were not able to stop, or return the transfer. After filing a claim with the FTC, they recommended talking to my bank, and if I had, to file a claim here if they did not help me.

Company response to consumer: Closed with explanation