vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-06 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: 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.

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XXXX  I filed XXXX XXXX  bankruptcy for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are currently still reporting as they need to be removed immediately due to credit reporting act 15 usc 1681 ( 4 ) as the following accounts have been discharged in my bankruptcy and currently causing me a financial hardship by remaining on my credit report and a violation of my privacy 16 CFR 313.10. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists. 

I have attached the court proceeding certificate of my bankruptcy for reference.

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 2024-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Galaxy Capital Acquisitions, LLC
State: TX

Complaint narrative:
I honestly don't know where to start with this, I'm so livid because I work too hard to provide for my family for a random company ( Galaxy International Purchasing , LLC ) I've never done any business with to come along and file a lawsuit on me out of the clear blue sky for an alleged debt that has NOT been yet proven to belong to me. I have no legal binding contract with this company for them to appear at my home and hand papers to my wife. My doorbell ring camera has the video of this company not following the law when it comes properly serving someone court documents. 
I'd like to exercise my rights under The Privacy Act of XXXX ( 15 U.S.C. 1681s-602 ), I do not consent to 3rd party agencies having my personal information without my consent. 
If legal documentation is served to the wrong person, that is grounds for myself to contest the entire process of this fraudulent event. I intend to file motion to have this case dismissed and I'll be pursuing remedy for each and every violation against me if this company shall continue to pursue court proceedings. 
I did not receive a written demand letter for payment within 30 days of this company filing a lawsuit against me. I would have been able to send in a request for them to validate the debt instead of using aggressive deceptive practices. 
Upon research I notice I'm not the only one who has experienced this with this company, seems as if it's their way of taking advantage of incoherent consumers. 

XXXX XXXX XXXX : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2024-03-06 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: NC

Complaint narrative:
15 U.S. Code {$1600.00} c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt. I have attached my FTC Report to this compliant to prevent further stall tactics form.

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: VA

Complaint narrative:
The account was reporting as XXXX XXXX XXXX with an account number XXXX and a balance owed of {$1700.00}. The Original Creditor was XXXX. I disputed this account for inaccurate reporting and it was removed after proper investigation from all 3 credit reports between XX/XX/2023 and XX/XX/2023. I was relieved the inaccurate reporting was removed from my file because I am in process of getting a XXXX XXXX and my credit is important for the job requirements. 

However, Jefferson Capital at some point acquired the debt unbeknownst to me because I was not notified. They reported the debt to my credit again and to add, the reported it inaccurately on all 3 bureaus. The Account status does not match, the payment status does not match and the last payment does not match. The date of last activity does not match, the date reported does not match, these inconsistencies are across all 3 bureaus. I demand Jefferson Capital re-investigate this and send me ALL relevant account information including but not limited to Date Opened, Balance Owed, Closed Date, Last Payment Date, Payment Status. 

This is going to cause serious injury if not corrected and removed as it was prior to Jefferson Capital purchasing a bulk finance. All relevant documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: FREEDOM FINANCIAL NETWORK
State: DC

Complaint narrative:
I started the program with Freedom Debt Relief for my XXXXXXXX XXXX XXXX account. I was quoted a total price of {$5000.00} which included {$3200.00} debt settlement and {$1800.00} Freedom Debt relief fees. I was told my monthly payment amount would be {$210.00} made payable by deposits into an account starring XX/XX/2024. I was also told I would be charged any fees upfront. I would only be charged after a settlement was reached and agrees upon. I made a payment of {$580.00} on XX/XX/2024 and my regular monthly payment of {$210.00} on XX/XX/2024. When I checked my FDR account I noticed I was being charged fees. I called Freedom Debt relief and was told the fees was a {$9.00} setup fee for the account and a {$9.00} monthly fee for the account. I told the rep I was not explained about all the extra fees and nothing being charged upfront. I explained my monthly fee is {$210.00}. The rep told me it was {$240.00} XXXX said she could email me the agreement i signed. I asked that she email it to me. I said I no longer wanted to continue with the program. The rep stated I needed to call back when the Resolution department is open and speak with them. The rep stated to tell that department notes was already put in the account. I don't like that this company didnt fully explained all the fees associated with the agreement and started charging me upfront.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My current address is XXXX XXXX XXXX XXXX XXXX XXXX My phone number is XXXXXXXX XXXX All other info is outdated and inaccurate and should be removed from my reports from all three credit bureaus. 
No alias names should be included. 
Remove all previous addresses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My current address is XXXX XXXX XXXX XXXX XXXX XXXX My phone number is XXXX XXXX  All other info is outdated and inaccurate and should be removed from my reports from all three credit bureaus. 
No alias names should be included. 
Remove all previous addresses.

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 2024-03-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX XXXX XXXX  data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-03-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NV

Complaint narrative:
My student loan was serviced by Nelnet for the last XXXX to years. Never had a problem. 
I owe about XXXX payments. Sloan Servicing took over today. 
I went into my new account for the XXXX XXXX time today, and Sloan Servicing added on XXXX payments to my loan. I called 3 times and was told no one can help except a supervisor and I can only leave a message. 
You can only see this extra XXXX payments when you actually click on the individual loans where it says the amount due, the balance and number of remaining payments. Sloan said reason is because I consolidated my loans... I consolidated my loans like XXXX to years ago, and that should not make me pay XXXX additional payments. 
Sloan said they see that I owe XXXX payments and that is what it shows on the record. This is not accurate, this is illegal, and they are adding XXXX payments, illegally on to my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I have reviewed my report & noticed I havent authorized for the company to use my information. The dates are from 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 2024-03-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Commencing on or around XX/XX/2023, I fell victim to a multi-layered scam operation run by XXXX using the domain XXXX which involved me making deposits for a total amount of XXXX XXXX from my Coinbase account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I made a promotional purchase at XXXX on XXXX XXXX for a 24 months payment. Followed all the stated ruls and my account was supposed to be XXXX by XXXX but I was charged with differed interest. Please go over the breif explanation ( XXXX of many messages I sent to Brandsmart/Synchrony Bank with attached documents ) and let me know if the charges are valid. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Good morning. I've been writing and sending messages to resolve this issue on my promotional purchase dated XXXX. The initial purchase amount was {$4400.00} and I paid {$100.00} on XXXX before the start of the promotion period ( XXXX ). That leaved the account with a balance of {$4300.00}. I DID NOT MAKE ANY OTHER PURCHASES AFTER. The promotion was for 24 MONTHS ending on XXXX. I made XXXX paymnts each in the amount of {$180.00} online ( XXXX ) and over the phone on XXXX. Then I set up the auto pay account with my business account first ( XXXX  XXXX ) and made payments for XXXX, XXXX, and XXXX of XXXX for {$180.00} each month. Then I switched it to a personal checking account ( XXXX XXXX ) and made all remaining payments. On XXXX XXXX my account balance was supposed to be XXXX based on my calculations as follows : Payment before I get the first statement {$100.00} ( XXXX ) payments online, over the phone {$360.00} ( XXXX ) payments via XXXX account {$540.00} ( XXXX ) payments via XXXX in XXXX {$900.00} ( XXXX ) payments in XXXX ( Truist ) {$2100.00} ( XXXX ) payments in XXXX ( XXXX  ) {$360.00} Total {$4400.00} ( over the initial promotional purchase ) I made regular payments without interruptions and equal payments each for {$180.00} during the grace period. 
Why is my account charged with unpaid deferred interest of {$2500.00}? 
I would like to have a copy of all my statements and the confirmation for the XXXX auto pay accounts with all details. 
Please email me the requested documents as I can only access the past XXXX statements. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - This is what it reads on the " Promotional Expiraion Notification '' of the statements : " YOU MUST PAY EACH PROMOTIONAL BALANCE IN FULL BY ITS EXPIRATION DATE TO AVOID PAYING DEFERRED INTEREST CHARGES. ''

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 monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc.
State: IA

Complaint narrative:
In XX/XX/XXXX I received a notification that an account was sent to Diversified Adjustment Services Inc. on behalf of XXXX in the amount of {$970.00}. When investigating, I was under the impression this was an older debt that was XXXX in my XXXX. I disputed this debt with all 3 credit bureau with this provided information and the company only verified that it was valid, no other information provided. So, I contacted Diversified Adjustment Services via mail on XX/XX/XXXX and requested that I be provided a proof of debt verification letter as well as any signed contracts between myself, Diversified Adjustment Services, and XXXX. 30 days have passed and no letter has been received or sent per the customer service representative I spoke with on XX/XX/XXXX. On XX/XX/XXXX I went to the original creditor XXXX and asked to be provided this same information because at this point I know it is fraud. They are refusing to provide me with any signed documentation, photo id, or any verification method used to establish this account. They can not verify this debt and they refuse to remove it from my credit report even though this is a fraudulent case. This is preventing me from buying a home because someone else was able to easily use my information to establish a utility account. I would like XXXX and Diversified Adjustment Services to be reviewed since they are working together to blantly ignore customer questions and inquiries and penalizing the wrong people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-03-06 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: EQUIFAX, INC.
State: NC

Complaint narrative:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief