vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synergetic Communication Inc
State: NJ

Complaint narrative:
On XX/XX/year> I received a call asking for my XXXX XXXX XXXX XXXX XXXX. When asking why they were seeking my child I was told it was for debt collection and as I continued asking why they were seeking my child they finally started it was for a debt collection. I asked how they were collecting debt on an XXXX XXXX XXXX and received no response so I called back and asked for a supervisor. The supervisor stated the rep just didn't read the notes right but they had my name XXXX XXXX as parent and explained the debt was from XXXX XXXX. I explained that had been paid already and asked for them to send me the debt in physical mail. The supervisor asked for my personal email instead and I stated I did not feel comfortable providing that information and insisted it be mailed. This went back and forth at least XXXX more times until she finally stayed she would send me the letter by mail. The fact that they called to collect on my XXXX XXXX XXXX for a debt that was already paid and refused to send me the proof of debt by my chosen communication form is absolutely ridiculous and a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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 2024-10-07 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I was contacted by a company called points payment management in XX/XX/year>. They offer marketing services to timeshare owners who have extra vacation time to advertise this time to corporation. Their scheme is to charge a timeshare owner a XXXX time fee for this marketing and advertising and guarantee that they will pay up to {$1600.00} per week that is booked by a corporation who wants to use the various locations and times available that timeshare owners have access to. I was charged {$1700.00} on XX/XX/year>. The agreement was that the company would market and advertise my time to these corporations and that if there were no successful offers redeemed, they would continue to market and advertise on my behalf, and that they would eat the cost. None of the offers sent to me were able to be redeemed and in XX/XX/year> they stopped communicating entirely. They refuse to return calls and emails. I could not have known that it would turn into this. I have disputed the charge on the credit card used, issued by Barclays. They did nothing to assist, simply stating that they didnt not receive notification within XXXX statement cycles. There was no reason, within XXXX cycles, for me to dispute the charge, as the company was actively communicating and sending offers. Barclays did nothing to assist. I have filed complaints with the XXXX, FTC, and NYS Attorney General regarding the company XXXX XXXX XXXX. Please assist.

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 2024-10-07 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: ME

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-10-07 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: NY

Complaint narrative:
I am writing to urgently inform you that I have been a victim of identity theft, resulting in several unauthorized accounts appearing on my credit report. These fraudulent entries were made without my knowledge or consent, and I am requesting immediate action to correct this issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I have filed an official identity theft report with the Federal Trade Commission ( FTC ), and I demand the prompt removal of these fraudulent accounts to restore the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 00:00:00
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Marketing or disclosure issues
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally express my concerns regarding the treatment I have received from Navient in relation to my student loans. 

Before Navient took over servicing my loans, I was with Sallie Mae, both of which have been found guilty of predatory lending practices, particularly against minority households misled about the student loan process. As a XXXX individual, I believe I have experienced unfair treatment that has worsened my financial situation. 

The income-driven repayment system has not provided the relief it promised ; instead, it has added significant financial and emotional stress. 

Navients recent announcement regarding the transfer of student loan servicing to XXXX, framed as a standard business practice to reduce expenses, feels disingenuous. It disregards the years of profit made at the expense of students, and there has been a lack of acknowledgment or apology for the harm caused. 

Even with the settlement that has been agreed to, there will still be millions of affected people like myself who fear they will not be compensated fairly and accurately. 

I urge your company to review my case and address these concerns promptly. It is essential for companies in this sector to ensure fair treatment of all borrowers, regardless of background. 

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

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Vehicle was repossed while I was at work. Never received any notification of intent to reposses. Never received notification after vehicle was repossessed, didn't get tge opportunity to acquire personal belongings that was left in vehicle.

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 2024-10-07 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: TX

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: TX

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: TX

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below : XX/XX/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 2024-10-07 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: TX

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below : XXXXXXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-10-07 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: FL

Complaint narrative:
I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. the inaccuracies are highly injurious to my credit score. Account : XXXX XXXX XXXX XXXX payments late year XXXX. In accordance with the fair credit reporting act, public law 91-506, title VI, section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2024-10-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Garrison Investment Group
State: GA

Complaint narrative:
I called Foundation Finance Company, on Saturday XX/XX/year> to discuss my balance of {$38000.00}. After paying {$440.00} monthly for a year on the beginning loan balance of {$37000.00} the account balance increased. I spoke with XXXX who explained that this was an installment loan and all payments go towards the accrued daily interest. I shared that I was familiar with installment loans and interest however none of the loans that I have exceeded the original loan balance when making timely monthly payments. XXXX went on to say this is how the loan is structured and that XXXX, the roofing company should have explained. I proceeded to tell her that they had not and I would not have signed if they had explained. She further said once the payment of {$400.00} is applied to the interest, I could make another payment for the monthly amount of {$440.00} and then it would go toward the principal.

I later checked the reviews for Foundation Finance and found numerous comments of bad lending habits. I'm filing this complaint in hopes that the company is investigated and removed from contractor listings and that others are aware of this predatory lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-10-07 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Kohl 's and Capital one are opening up unauthorized lines of credit in people 's names.

About 2-3 months ago I started getting some emails about a Kohl 's credit with Capital one. I initially thought this was just a scheme or junk mail, however I received a letter that said welcome to your new captial one kohls credit card and had 4 digits in the letter and this made it seem more real. I immediately called Capital one and spent 1.5 hours on the phone and I tried to cancel the card and obtain information on how the card was even opened so I could file a police report and report credit card fraud. I found them to be very evasive and they could not give me any information. They could not send me anything, they could not cancel anything and they could not explain who opened the card. I got a variety of responses that ranged from " You are not in our system '' to " you will need to call Kohl 's ''. 

I have made a few more phone calls to try to resolve the issue, but I spend literally 20-65 minutes on hold and get transferred many times to get no resolution. 

Today I called the XXXX Oregon XXXX store and spoke with a Manager and explained my situation. I told him I have already called Capital one and I am not getting resolution. I was given the phone number of XXXX to call for help. I was told this was Kohl 's. I was on hold for 27 minutes and when I told the caller I wanted to cancel whatever business with both Kohl 's and capital one cards and find out who authorized a credit card in my name he told me he couldn't help and I needed to call captial one at the number on the back of my card. I explained to him I have already called them and I need to get this resolved. I will be honest I think what happened is Kohl 's must have sent my information unauthorized to Captial One and Capital one opened up a line of credit in my name unauthorized. I am lucky I read these letters and emails as they all very much looked like spam.

I know that both Kohl 's and Capital one benefit anytime a line of credit is open and this is very shameful they are doing this unauthorized. I can easily see how someone who is elderly would miss your communication. Be very careful and aware when dealing with these two business.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Recently I did an investigation on my credit report and found several items listed to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate of unverifiable 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my consumer credit report immediately : TransUnion XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance {$180.00} Account number XXXX Date opened XX/XX/XXXX Account type Open account XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX {$350.00} Account name XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX sold - Account type Collection Date opened XX/XX/XXXX Status Collection account. {$350.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$180.00} Account info Account name XXXXXXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX sold Account type Collection Date opened XX/XX/XXXX Status Collection account. {$180.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXXXXXX 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