vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
XXXX XXXX SANTANDER CONSUMER USA Amount XXXX Date XXXX Reference Type Reference or Account Number ) NOTICE OF DISPUTE To : ( Collection Agency Name ), I, ( XXXX XXXX ), a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. 
You are in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the XXXX XXXX Of Purchase showing how much you paid for this debt. IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING. THIS IS A WARNING! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Sincerely, ( XXXX, XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I applied in good faith for the

BARCLAYS Wyndham Rewards Business card. After good faith application had been summited received hard inquiries on my personal consumer credit report through then received a denial notice. If any portion of this application under the application
number : XXXX has been securitized as a asset backed note under securities act of 1934, within the BARCLAYS Bank and/or any other under SEC filled Prospectus, 10-K forms,8-k Forms and or other SEC filings.

we demand credit line issued and open ended under the name of applicant. we submit this for remedy as pre arbitration notice as holder of the contract. please review for violations per Equal Credit Opportunity Act ( ECOA ), 15 U.S. Code 1691. we wish for this matter to be resolved matter privately before we pursue further 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 2024-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: WI

Complaint narrative:
Nelnet had my payments for {$72.00} then dropped the payment to {$45.00}. Now every other month the statement says {$72.00} and {$45.00}. Which is it? Why do they keep switching what I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I use multiple exchanged for crypto including coinbase which has neved given me issues like this and robinhood which im writing about. I have over $ XXXX in my robinhood account and on XX/XX/XXXX after buying XXXX  to transfer to my one of my crypto wallets, robinhood locked and restricted my account with XXXX explanation and said i have to wait until they resolve this issue what issue is there? ive done nothing wrong and now my money is locked up i cant sell or transfer anything. ive been warned by so many people to not use robinhood and i finally learned my lesson. please any help because i dont know when they will do anything about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX XXXXXX/XX/XXXX is being reported as a late payment. However, it was not late. 
XXXXXXXX XXXX XXXXXX/XX/XXXX is being reported as a late payment. However, it was not late. 

I have sent the credit bureau XXXX separate letters over the last XXXX days. I requested statements showing a late payment. To this date the error has not been removed from my report. Nor have I received the requested statements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 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.
State: FL

Complaint narrative:
This account is reporting as an open account, however it is closed.

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 2024-04-07 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: FL

Complaint narrative:
This account is reporting as an open account, however it is closed.

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 2024-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
I hope this letter finds you well. I am writing to bring to your attention a concerning discrepancy I have encountered with my XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX tracker. I have diligently been monitoring my progress towards loan forgiveness, and I recently noticed a significant error that has left me confused and anxious about my future eligibility. All payments prior to XX/XX/XXXX are not showing in the payment history and counting towards my XXXX 

Originally, as of XX/XX/XXXX, the XXXX tracker indicated that I had XXXX qualifying payments left before achieving loan forgiveness. However, to my surprise, the tracker now reflects that I have XXXX payments remaining. This discrepancy has raised considerable concerns, as I have been making consistent efforts to ensure the accuracy of my payments and stay on track with the XXXX program. 

In my pursuit of resolving this issue, I have taken the necessary steps to ensure my eligibility. I have submitted the XXXX form multiple times, as my employer, XXXX XXXX XXXX XXXX, does not facilitate electronic signatures and requires manual submission. I have been continuously employed as a XXXX teacher with XXXX XXXX XXXX XXXX since my start date in XX/XX/XXXX. Throughout my tenure, I have maintained an unbroken service record, without any interruptions or gaps in my employment. 

Based on my own calculations, I should have approximately XXXX qualifying payments remaining towards achieving loan forgiveness. I understand the importance of accurate tracking within the XXXX program, and I am committed to fulfilling all requirements in order to receive the loan forgiveness I have been working towards. 

Given the significance of this matter and the potential impact on my financial future, I kindly request your prompt attention and resolution of this issue. I am open to providing any additional information or documentation that may be required to rectify the error and ensure the accuracy of my XXXX tracker. 

I am grateful for your understanding and assistance in resolving this matter. Your guidance will provide much-needed clarity and peace of mind during this uncertain time. Please advise me on the necessary steps to rectify this situation and continue progressing towards my goal of loan forgiveness. 

Thank you for your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
My payments are due monthly on the XXXX. I had made a payment for XXXX payment on XX/XX/XXXX for the payment due XX/XX/XXXX. Then I made an early payment for XXXX payment, due XX/XX/XXXX, on XX/XX/XXXX which exceeded the minimum payment due ( which was the case for both months ). However, I was assessed a {$30.00} late fee to my VS MasterCard even though I made the payment ewrlier in the month of XXXX. When calling to request for a reversal of the fee, the agent stated that because my payment was paid on XXXX instead of XXXX, it can not be applied towards XXXX bill- these details can not be seen in the online banking on my end nor is it outlined clearly within their disclosures. The fact that the payment was paid AFTER the prior months due date and BEFORE the next months due date should be sufficient to be applied towards that months payment. Not only was this {$30.00} late fee assessed to my account even though the payment was received in a timely basis, it had interest applied to it even though the statement balance was paid in full for the following month. The company stated that they apply interest charges even though the balance is paid in full unless the account shows a history of the XXXX prior months being paid in full as well. This seems to be unusual, uncustomary, and excessive- I have not had any credit card company require a historical record requirement to not incur interest charges. The agent was only able to credit back {$15.00} of the {$30.00} invalid late fee per company policy. They also stated company policy does not allow for interest to be credited back, so the {$23.00} interest charge is still on my account as well. This appears to be predatory given that they can apply charges, accrue interest on the charges, yet set policies to credit back amounts set at limits less than their own charge amounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX PXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : Dispute of Debt and Request for Deletion from Consumer Report Dear Sir/Madam, I am writing to dispute the validity of a debt that has recently appeared on my consumer report, as well as to assert my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my consumer report, I was surprised to find an entry regarding a debt that I have no knowledge of. I have not received any prior notification or communication regarding this alleged debt, nor did I have the opportunity to dispute it before it appeared on my consumer report. 

I want to emphasize that if you believe that proper notification was indeed provided to me, I kindly request that you furnish me with the CERTIFIED mail receipt that includes my signature, demonstrating that I received notification of this debt at least XXXX days prior to its appearance on my consumer report. As a consumer, I am aware of my rights under the FDCPA and FCRA, which include the right to be notified of any debt collection activity and the right to dispute any inaccuracies on my consumer report. 

If you are unable to provide a certified copy of my signature confirming receipt of proper notification within the specified timeframe, I demand the immediate deletion of this collection/charged off account from my consumer report. Failure to comply with this request will prompt me to take further action to rectify this matter. 

I expect a prompt response to this dispute and request within XXXX days, as stipulated by the FCRA. Please provide all correspondence to the email address listed XXXX. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: VA

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/2024, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 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: AL

Complaint narrative:
This is improper use of my credit report with inaccurate information. 

In accordance with the Fair Credit Reporting Act ( XXXX  XXXX with credit cards ending XXXX XXXX XXXX XXXX XXXX XXXX  ending in XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX XXXX ending in XXXX, XXXX XXXX XXXX XXXX ending in XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX  card ending in XXXX. All of these companies has violated my rights. 

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 a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-04-07 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: AL

Complaint narrative:
This is improper use of my credit report with inaccurate information. 

In accordance with the Fair Credit Reporting Act ( XXXX XXXXXXXX with credit cards ending inXXXX XXXX XXXX and XXXX XXXX  ending in XXXX XXXX, XXXX XXXX  XXXX XXXX Credit Cards ending in XXXX, XXXX XXXX XXXX XXXX ending in XXXX XXXX  XXXX XXXX XXXXt card ending in XXXX. All of these companies has violated my rights. 

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 a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I contacted the company to request a copy of a statement with my signature and a copy showing the first date of delinquency on the account sent to a third-party collections company.

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 2024-04-07 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: IL

Complaint narrative:
also respectfully requested to be provided proof of the alleged items pacifically proof, that these payments were in fact late by the provision of the consumer protection law I demand, if unable to do so, or backing proof that these payments being late to update my payment status as XXXX  paid as agreed never late and supply a corrected credit profile any creditor who has requested the access to my credit profile in the last 6 months

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CarMax, Inc.
State: LA

Complaint narrative:
I have submitted FTC report om XX/XX/year>, I wrote a letter asking to validate debt and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: OH

Complaint narrative:
On XX/XX/2024, I received a response from LexisNexis via the CFPB portal, indicating that they had attempted to contact me via email requesting identification. However, I did not receive this email and have asked LexisNexis to forward me the original email for verification purposes. I suspect that this may be a tactic to delay the investigation of my dispute. 

As of XXXX LexisNexis has still not provided me with any contact information regarding how the accuracy of the XXXX  was conducted. Merely providing me with the court 's name, address, and phone number does not suffice as valid information. 

I have reiterated that the information regarding the bankruptcy is inaccurate and have supplied LexisNexis with a list of accounts that were allegedly included in the XXXX but were not. This serves as my third and final attempt before resorting to legal action. I now insist on being furnished with the date and name of the representative contacted by LexisNexis for the verification of the bankruptcy 's validity and accuracy. Under the FCRA, I am entitled to this information. 

I have attached my lease, driver 's license, and a letter from the XXXX court stating their non-reporting policy to credit agencies. There is no legitimate basis to dispute my claim of inaccuracies in the XXXX  reporting. If validation can not be provided, the information must be promptly expunged.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: VA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MD

Complaint narrative:
XX/XX/24, credence resource mana attempted to collect a debt from me. I put in a dispute with XXXX. 15 usc 1692c ( c ), if a consumer notifies a debt collector that the consumer refuses to pay a debt, the debt collector must cease all communication Please help me with this matter, thank you.

Company response to consumer: Closed with non-monetary relief