vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
incorrect information on my credit report 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 2024-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
I was scammed on the XXXX XXXX XXXX XXXX XXXX platform at XXXX on XXXX XXXX. Teens approached me and asked me to help donate to charity. They were very convincing and showed me a website and other documentation. I said yes and handed them my phone when they told me that Zelle was the best mechanism to make the donation. They used it to send two {$1000.00} transactions via zelle to themselves before handing the phone back to me and telling me they couldn't enter in the payment info. 

I filed a fraud claim to XXXX XXXX XXXXXXXX XXXX Zelle department, and they denied my claim. I have an outstanding police report and the XXXX XXXX police are currently investigating. There is also XXXX footage showing that I was indeed scammed. This is a known crime activity on the XXXX XXXX, and I do not think my fraud claim should have been denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
This company LVNV Funding LLC sent an email to my half sister that had my account information on it about a debt they were trying to collect. The email was address to me, by first name and said my account will be sent to an attorney for possible lawsuit in 4 months. The email said to review the account information that included the last 4 numbers of the account number, the original creditor 's name, the current owner of the account with a different ID and the total balance I owed.

I assumed in their research, they thought I was using a different name, because me and my half sister have similar names, but we do not communication often, do not live in the same state, and do not share emails. She should not have all of my account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 to be removed/updated.

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.

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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
Had fraudulent charges on my account from XXXX XXXX  for a XXXX XXXX XXXX XXXX XXXXXXXX which clearly wasnt me. The total amount of charges was {$900.00} and was made on XX/XX/XXXX - XX/XX/XXXX in XXXX transactions. XXXX admitted this wasnt me and blamed my bank for allowing the transactions. TD Bank denied my fraud claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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:
Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breach OF XXXX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. I am also attaching proof that I was a victim of the XXXX data breach, and I kindly request that this information be considered as part of my claim. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX Account # XXXX Amount : {$0.00}

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 2024-10-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I disagree 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. in accordance with the Fair Credit Reporting Act Public Law 91-506 title VI section 611 subsection A-D, please provide the name and business addresses of each individual with whom you verified the the information above, so that I can personally follow up. Please send me an updated Credit report after your re-investigation. 

# XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 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: IL

Complaint narrative:
This XXXX, I was shocked to find inaccurate accounts on my credit report, and I have no idea why they're there. I check my report regularly, but this time, these discrepancies appeared out of nowhere. I even tried refreshing my browser, thinking it might be a glitch, but nothing changed. The errors persisted, and now I'm asking that the documents I've submitted be reviewed thoroughly so I never have to deal with this stress again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I was a little late paying my Lowes Credit Card supplied thru Synchrony Bank. My minimum payment was {$30.00} due on XX/XX/year>. I paid it today in the amount of {$34.00}. However, I noticed I was charged a late fee of {$30.00} on the same day the minimum payment was due. I tried to contact them thru their auto chat to resolve the issue, but had no success. A {$30.00} late fee for a {$30.00} minimum payment seems excessive. If they are doing this to me for being 3 days late, I can only imagine how many consumers they are collecting these type of excessive fees from. I would like this company to waive the late fee, since this is the first time I have ever been late on this account and was late by 3 days. I also want the Federal Trade Commission to be aware of these types of excessive fees that synchrony bank is charging their 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 monetary relief
Consumer complaint received 2024-10-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: FC HoldCo LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, my identity was stolen by representatives of XXXX XXXX, specifically Finance Manager XXXX XXXX, who secured a loan from Flagship Credit Acceptance without my consent for {$28000.00}. On that same day, I purchased a used XXXX XXXX XXXX, granting XXXX access to my credit for the transaction. However, they subsequently misused my identity to obtain a loan from Flagship and assigned my contract to them without my approval. Flagship, believing I owed them money, unlawfully repossessed my vehicle, despite never providing evidence of a legitimate loan. 

XXXX XXXX improperly classified my purchase as a motor vehicle transaction for XXXX tax purposes, without my consent or full disclosure. When I raised these issues with XXXX XXXX, he ignored me. Additionally, XXXX XXXX failed to provide the legally required notice of rescission, substituting it with a deceptive notice to cancel. This serves as my notice of rescission due to identity theft, fraud, and lack of full disclosure.

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 2024-10-24 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: GA

Complaint narrative:
I am disputing an inaccurate late payment reported on my XXXX XXXXXXXX XXXX account Account # XXXX for XX/XX/year>. I have consistently made timely payments on this account and was never late. To resolve this issue, I sent a dispute letter to TransUnion, requesting the removal of the inaccurate late payment. I informed them of their obligation under the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( b ), which mandates accurate reporting. This inaccurate information has negatively impacted my credit score and financial opportunities. I am seeking the immediate removal of this late payment from my credit report.

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 2024-10-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: SD

Complaint narrative:
Since XXXX, I have payed a total of XXXX dollars back on XXXX student loans that were originated by Sallie Mae/Navient XXXX for attending a XXXX XXXXXXXX. In XXXX, my federal student loans were forgiven automatically as a winning member of the XXXXXXXX XXXX XXXXXXXX lawsuit, because the school I attended ( XXXX XXXX XXXX ) was on their list of scam/fraudulent schools making those loans automatically forgivable just for me having attended. At that moment in time, Navient should have stopped collecting on my private student loans, and they should have issued a refund for the monies that I had already paid in for the remaining private loan ( s ). They did not, and they instead continued to collect until they recently forgave my remaining private loan balance in XX/XX/XXXX. I requested a refund of money via email, and my request was ignored. Navient has approved my school misconduct discharge form because they acknowledged that I had been defrauded, and I am owed a refund for all monies paid in.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant Mercantile Agency
State: TX

Complaint narrative:
I recently opened up a XXXX  credit check account to find out I have a medical bill I never took? 


Account info Account name GRANT MERCANTILE AGENCY Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1300.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1100.00} Highest balance - Terms 1 Months On record until XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA S 605B ( 15 U.S.C. S 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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/year>

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 2024-10-24 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: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I did not authorize the following inquiries on my consumer report JPMC Card - XX/XX/year> JPMC Card - XX/XX/year> JPMC Card- XX/XX/year> JPMC Card XX/XX/year>XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 to be removed/updated.

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.

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!

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 2024-10-24 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: OH

Complaint narrative:
In accordance with the Fair credit reporting act. The list of accounts below violates my federal protected consumer rights. 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 15U.S.C 1681 section 602 ( A ) States I have the right to privacy. 15 U.S.C 604 ( A ) section ( 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 C ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following information other than adverse items of conviction of crimes which antedates report by more than seven years. 15 U.S.C 1681 S 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer agency if a 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 2024-10-24 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: OH

Complaint narrative:
In accordance with the Fair credit reporting act. The list of accounts below violates my federal protected consumer rights. 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 15U.S.C 1681 section 602 ( A ) States I have the right to privacy. 15 U.S.C 604 ( A ) section ( 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 C ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following information other than adverse items of conviction of crimes which antedates report by more than seven years. 15 U.S.C 1681 S 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer agency if a 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 2024-10-24 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to report an inclusion of late payment from Account name XXXX XXXX Account number XXXX on my consumer credit report. XXXX XXXX, XXXX, XXXX, and Equifax are violating my rights because they violate the provisions of 15 U.S.C. 1681a, which defines a consumer report and outlines its permissible content. Specifically, the law states that consumer reports can not include information about transactions or experiences between a consumer and the person making the report. This includes late payments, which should not be reported under these guidelines. 15 U.S.C. 1681a ( 2 ) Exclusions. This Account has already been disputed previously and marked as completed which equals as a failure to correct this violation for which I now demand a {$1000.00} compensation as well as the removal of the late payment as a result of this failure. It has come to my attention that the reporting of late payments on my credit report is inaccurate and unlawful. The continued inclusion of such information violates my rights under the Fair Credit Reporting Act ( FCRA ) and creates an unfair representation of my creditworthiness. Delete the late payment which is stated on my consumer report that has a date of XX/XX/year> across all CRAs XXXX XXXXXXXX Account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 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: GA

Complaint narrative:
I called the company XXXX XXXX XXXX XX/XX/year> to settle out the account they told me I can settle the account with an amount of {$200.00} and that they would remove from my credit report. I was also told that the call was on a recorded line. Well like a week later they changed my credit report saying that I owed them a balance so I called them back and spoke to the manager and was also told that it would be corrected to what I was told on a recorded line. So now a few days after that they sent me a email stating that my account was placed on a payment plan which is not true. I want this account removed from my account or I will sent legal counsel because I know my rights and they have violated them.

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