vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-28 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
My father is XXXX XXXX XXXX, and is in the last stages of XXXX XXXX. At this time he has no financial assets left. He lives in a XXXX facility and is currently being supported by my siblings. In late XXXX of 2023, my mother passed away. Due to my XXXX  loans, which I unfortunately had my father cosign on, all credit they held was in her name alone. When she passed all of their credit cards were shut off and he is unable to get credit. HE has no assets left for the student loans to attach to. He has a loan against his car, he has no home, no IRA. My brother pays the rent on his XXXX XXXXacility. I am currently paying the student loans with auto payment, and they are current. At this time the sole purpose of leaving my father on the loan for Navient is to cause him harm in what will be his final year of life. I am not asking for the cancellation of the loan, I just want him removed from being harmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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:
In accordance with the fair credit reporting act this creditor XXXX XXXX # XXXX has violated my rights under XXXX XXXX XXXX section XXXX states I have the right to privacy XXXX XXXX XXXX section XXXX A section XXXX it also states a consumer reporting agency can not furnish an account without my written instructions under XXXX USCS XXXX a creditor XXXX not treat a payment a credit card account under an open end consumer credit plan as late for any purpose Please Supply Me With Information That Was Used To Verify The Item ( XXXX ) Or Delete The Late Payments

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 2024-03-28 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: FL

Complaint narrative:
In accordance with the fair credit reporting act this creditor XXXX  ACCOUNT # XXXX has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment a credit card account under an open end consumer credit plan as late for any purpose Please Supply Me With Information That Was Used To Verify The Item ( S ) Or Delete The Late Payments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 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: FL

Complaint narrative:
In accordance with the fair credit reporting act this creditor XXXX XXXX  # XXXX has violated my rights under XXXX XXXX XXXX section XXXX states I have the right to privacy XXXX XXXX XXXX section XXXX A section XXXX it also states a consumer reporting agency can not furnish an account without my written instructions under XXXX USCS XXXX a creditor XXXX not treat a payment a credit card account under an open end consumer credit plan as late for any purpose Please Supply Me With Information That Was Used To Verify The Item ( XXXX ) Or Delete The Late Payments

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 2024-03-28 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: FL

Complaint narrative:
I have not applied for any new credit or services with the listed creditors on the aforementioned date. As a result, I am concerned about the potential impact this unauthorized inquiry may have on my credit score and overall financial standing.

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 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Mercedes Benz Financial Services
State: WA

Complaint narrative:
Mercedes Benz Financial Services reported a REPOSSESSION on XX/XX/XXXX, never contacted me, even though the last payment for XXXX was paid. Mercedes Benz Financial Services/MBFS stop my ACH payments on XX/XX/XXXX, all the while my credit reports are showing false information as it appears from XX/XX/XXXX, when I last spoke with my insurance company and co-part the third party hired by my insurance company to schedule the total loss on the XXXX XXXX XXXX I entered into with XXXX of XXXX, who never offered me XXXX insurance, didn't educate me on the importance of XXXX where I am in jeopardy of paying out anywhere from {$13000.00} to {$15000.00}. 

This XXXX insurance was something I never heard of in my XXXX + years as a consumer. Up until I was sold a lemon prior to XXXX, and the salesperson and professional at XXXXXXXX XXXX XXXXXXXX I always purchased cars never entered into a lease. 

The first lease I entered into with XXXXXXXX XXXX  XXXX included the {$14000.00} balance owed on the XXXX XXXX, since the car 's value the XXXX  XXXX was only valued at {$5000.00} according to the general manager at XXXX XXXX XXXX. 

I want to include, XXXX of XXXX, and Mercedes Benz Financial Services at this point because I am presently in a financial and credit score dilemma. Help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I have unauthorized inquiries on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX PayPal 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 2024-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have explicitly notified your organization of the egregious violations you are perpetrating against my consumer report. Despite ample time, exceeding the statutory 30-day period, you have callously ignored my correspondence. Enclosed are copies of every communication sent to your attention for your awareness.

Your blatant disregard for my consumer rights is utterly unacceptable. Your failure to address these violations is a clear violation of federal regulations, constituting an egregious breach of trust and legal duty.

Your deliberate negligence in responding to these concerns has caused irreparable harm to my financial standing and reputation. Your inaction demonstrates a flagrant disrespect for consumer protection laws and exhibits a willful disregard for ethical business practices.

I demand immediate and decisive action to rectify these transgressions. Failure to do so will result in further legal action and public exposure of your unethical behavior.

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 2024-03-28 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: TX

Complaint narrative:
I have explicitly notified your organization of the egregious violations you are perpetrating against my consumer report. Despite ample time, exceeding the statutory 30-day period, you have callously ignored my correspondence. Enclosed are copies of every communication sent to your attention for your awareness.

Your blatant disregard for my consumer rights is utterly unacceptable. Your failure to address these violations is a clear violation of federal regulations, constituting an egregious breach of trust and legal duty.

Your deliberate negligence in responding to these concerns has caused irreparable harm to my financial standing and reputation. Your inaction demonstrates a flagrant disrespect for consumer protection laws and exhibits a willful disregard for ethical business practices.

I demand immediate and decisive action to rectify these transgressions. Failure to do so will result in further legal action and public exposure of your unethical behavior.

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 2024-03-28 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Kiva Microfunds
State: MA

Complaint narrative:
I filed a complaint with the Massachusetts Attorney General 's Office and they referred me to you. 

I received 4 gift cards for {$25.00} each for Kiva - XXXX : XXXX They did not work when codes are entered on their website. When I notified Kiva, they keep telling me to do the same thing I have been doing, but they still don't work. After a while, they just stop responding to my emails. I've tried them several times but they just ignore emails. 

They refuse to honor the cards or replace them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This account was charged off as a collection on the following date XXXX of XXXX. This account is also being updated as a COLLECTION on my report as if the account is still open and reporting a balance of {$1500.00} from XX/XX/XXXX to XX/XX/XXXX when the account should be XXXX due to the account being a collection account. All the information on this account which is inaccurate and a violation According to XXXX XXXX XXXX XXXX, EXPERIAN are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Experian Account Name : XXXX XXXX Account Number : 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 2024-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have been diligent in maintaining timely payments on my account and believe that the reported late payment 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 2024-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have been diligent in maintaining timely payments on my account and believe that the reported late payment 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 2024-03-28 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: PA

Complaint narrative:
I did not initiate this account, and I strongly suspect it to be fraudulent. I have previously contacted the collection agency regarding this matter, but the issue remains unresolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I have a Sam 's Club Credit Card through Synchrony Bank. I have had it for years. I was getting 5 % cash back for gas purchases. This past month, I received 1 % cash back. 

I called the phone number on the back of the credit card. The representative informed that maybe the merchant stopped identifying as a gas station. The representative also confirmed the charge was XXXX XXXX. 

I have been purchasing gas at this gas station for years and I have been getting 5 % cash back for years. 

I asked the representative, " If I purchase fuel for my vehicle using my Sam 's credit card do I get 5 % cash back? '' She said, " Yes. '' I said that I put my card into the slot on the gas pump and pumped gas into my card and you only gave me 1 % cash back. She said it was because the merchant is no longer identifying as a gas station.

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 2024-03-28 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: CA

Complaint narrative:
I want to emphasize that the inclusion of erroneously reported late payment remarks on my accounts not only raises concerns but also constitutes a clear breach of the regulations outlined in the 15 USC 1666. This statute, which is part of the Fair Credit Billing Act, specifically safeguards consumers from unjust billing practices and requires accurate reporting of payment histories. Each payment linked to these accounts has been diligently and promptly made within the designated timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also violates the legal protections afforded under this statute. It is imperative to rectify this situation promptly to ensure compliance with the law and uphold the rights of consumers.

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 2024-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

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 2024-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: CO

Complaint narrative:
The glaring absence of tangible evidence validating its accuracy, along with the dissemination of unsubstantiated information, represents a clear breach of the legal framework delineated in 15 USC 1681i ( 7 ). This regulatory violation is not only disheartening but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the frustration stemming from the disregard for legal standards.

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 2024-03-28 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: OH

Complaint narrative:
I am writing to bring to your attention serious concerns regarding violations of the Fair Credit Reporting Act ( FCRA ) by your agency. Upon reviewing my credit report, I have discovered inaccuracies that warrant investigation and correction. However, it has come to my attention that your agency has failed to conduct an investigation into these inaccuracies, thus violating my rights under the FCRA. 

Despite my formal dispute regarding the accuracy of the information provided, your agency has not taken appropriate steps to investigate or correct these inaccuracies. This failure to conduct a thorough investigation is a clear violation of the FCRA, which mandates that consumer reporting agencies must investigate disputed information and correct any inaccuracies promptly.

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 2024-03-28 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: PA

Complaint narrative:
I noticed an unauthorized hard inquiry listed under my name. I have no recollection of authorizing this inquiry nor do I have any existing or prior relationship with the aforementioned creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kikoff Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX KIKOFF LENDING LLC XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Account numberXXXX To Whom It May Concern : 2nd and Final Notice Notice for Validation of Debts.

Pursuant 12 CFR 1006.34 KIKOFF LENDING LLC, Pursuant Regulation F, 12 CFR 1006, 15 USC 1692 I have exercised my specified remedy and sent you on XXXX Date A notice of debt validation. 
You KIKOFF LENDING LLC have violated my Rights pursuant 12 CFR 1006.34 ( c ).

You Failed to provide all the required Documentation as per my request under the new rule Regulation F and Validation of debt. 
The law is explicitly clear, ignorance of the law is no excuse. Your 30-day Debt validation period has ended, and you FAILED TO PROVIDE ALL REQUIRED validation Information AS PER THE LAW 12 CFR 1006.34 ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.

All collection activities on this Alleged Debt that you failed to provide validation within the 30 day period allowed by Federal law Pursuant 12 CFR 1006.34 ( c ) Must be DELETED Immediately. 
I will be Sending copies of this and all correspondences to ; CFPB Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX DC XXXX State Attorney General ( Illinois ) Attorney General ( California and Nevada ) Federal trade Commission Legal Complaint Department Bureau of Consumer Protection Federal Trade Commission XXXX XXXX  XXXX, XXXX XXXX  XXXX DC XXXX Cc : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX Tel. XXXX Fax. XXXX You have been warned I will pursue legal action if this account is not deleted in 15 Days from receipt of this Final notice. I will seek damages, actual damages, statutory damages, Plus all remedies adored to me under the civil liability section of the FDCPA and or Regulation F. 


XXXX XXXX ( All rights Reserved )

Company response to consumer: Closed with explanation