vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I explained that I DO NOT POSSESS, NOR HAVE I USED, A PAYPAL CREDIT CARD. I contacted XXXX who redirected me to XXXX XXXX XXXX. They do not answer calls or return emails. I called XXXX back, after several unsatisfactory attempts to XXXX XXXX. I am not sure what type of fraud is occurring, however, I have not authorized this account!

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 2024-09-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
Vystar Credit Union is illegally charging fee, overcharging fees and double dipping on regular payments each month on a Line of credit account in my name. There are several months were I was charged and regular payments deducted from my checking by Vystar without my consent, twice in one month and charged late payments as well and exuberant finance charges again all in one month. Vystar Credit unions are illegally taking advantage of their customers especially those that are elderly.

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 2024-09-09 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: TN

Complaint narrative:
I respectfully request that you promptly and decisively take action to remove the fraudulent accounts 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 2024-09-09 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: TN

Complaint narrative:
I respectfully request that you promptly and decisively take action to remove the fraudulent accounts 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 explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
THERE ARE 6 ACCOUNTS THAT WERE OPENED USING MY IDENTITY. SIX!! ALL ACCOUNTS ARE FRAUDULENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: CA

Complaint narrative:
I hope this letter finds you well. I am writing to bring to your attention a serious matter that has come to my notice recently. Upon reviewing my credit report, I have discovered several fraudulent inquiries that I did not initiate. These unauthorized inquiries have significantly impacted my credit standing and raise concerns about potential identity theft. I am deeply concerned about the presence of these fraudulent inquiries as they may not only damage my credit score but also indicate possible fraudulent activity on my personal information. I have taken great care to safeguard my sensitive details, and the existence of these inquiries has raised alarm bells regarding the security of my personal data. I would like to emphasize that I did not authorize any entity, individual, or organization to inquire about my credit history. I demand immediate investigation and removal of these unauthorized inquiries from my credit report to rectify this distressing situation. To assist in your investigation, I have enclosed a copy of my credit report, highlighting the suspicious inquiries in question. I urge you to take prompt action to rectify this matter and restore the accuracy of my credit history. Additionally, I request written confirmation once the inquiries have been removed and any corrective action has been taken. Furthermore, I have already taken steps to protect myself from potential identity theft by placing fraud alerts with the three major credit bureaus. However, I am relying on your expertise and assistance in addressing this matter thoroughly and preventing any further damage to my credit reputation. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and I expect that this right will be fully respected throughout the resolution process. I expect to receive your written response within 30 days of your receipt of this letter, as stipulated by the FCRA. Failure to respond within the stipulated timeframe may result in my escalation of this matter to the appropriate regulatory authorities and legal action if necessary.

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 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint because my credit report contains false and misleading information in violation of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). Specifically, the report lists the bankruptcy court as the furnisher for an account, which is forgery and misleading since bankruptcy courts do not furnish information to credit reporting agencies. 

I contacted the courts in my state, and they confirmed they do not provide any data to credit reporting agencies. This means the reporting agency has committed fraud by misrepresenting the bankruptcy court as the furnisher for this account. 

Details of the violation : XXXX XXXX XXXX : A data furnisher is any entity that reports information about consumers to consumer reporting agencies ( CRAs ), including credit bureaus and tenant screening companies. Bankruptcy courts are not considered data furnishers. 

Violation of 15 U.S. Code 1681s-2 : Despite multiple disputes, the so-called furnisher ( the bankruptcy court ) has never reached out to me, which confirms they have no involvement in this report. This shows the information is false and the reporting agency has been lying about its accuracy. 

Failure to Notify Dispute : Under 15 U.S. Code 1681i ( 2 ) ( A ), the reporting agency is required to notify the furnisher of a dispute within XXXX business days. The agency failed to do this and continued to falsely list the bankruptcy court as the furnisher. 

Account in Question : XXXX - XXXX This account is reported inaccurately under 15 U.S. Code 1681e ( b ) and 15 U.S. Code XXXX ( XXXX ). The reporting agency forged the bankruptcy courts name as the furnisher, which is fraudulent. This account should be immediately deleted. 
I demand that this item be removed from my credit report immediately. If no action is taken, I will proceed with legal action for forgery, fraud, and violation of my consumer rights.

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 2024-09-09 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: NM

Complaint narrative:
On XX/XX/XXXX I filed a police report with law enforcement to report that I found accounts on my credit report that were not mine. XX/XX/XXXX I sent in a dispute by mail to XXXX credit reporters showing the exact accounts that do not belong to me. I requested for those accounts to be removed and if they are not that they send me the assignment contract and the information that was used to conduct the investigation.

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 2024-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
Subject : Complaint Against XXXX XXXX XXXX XXXX and LVNV Funding LLC for FDCPA Violations Details : I am filing a formal complaint against XXXX XXXX XXXX XXXX and LVNV Funding LLC for reporting a debt on my credit report without proper validation, in violation of the Fair Debt Collection Practices Act ( FDCPA ) and Massachusetts state law. The debt in question is for the amount of {$510.00} under Account XXXX. XXXX. 

I did not receive any 30-day validation notice as required by law, and I have requested full validation of the debt multiple times, including proof of the original creditor, a breakdown of how the debt was calculated, and proof that they have the legal right to collect in Massachusetts. To date, the company has failed to provide this information. 

This has caused significant harm to my credit standing, and I am requesting the immediate removal of this unverified debt from my credit report, as well as confirmation that all collection efforts will cease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
They refuse to provide their XXXX  discharge forgiveness form, then said it did not exist. They cant give me an accurate accounting or status of my loan which Ive been trying to get confirmation of the balance for years - Ive never taken private loans - all loans were direct loans that were consolidated with Sallie and then when Sallie restructured my loans were recharcterized as XXXX loans. Ive moved, had joblessness, periods of illness and all kinds of issues over the years, when I got to a point to review my loans I had XXXX main issues. XXXX ) a tremendous amount of debt from XXXX  XXXX XXXX that mis represented their programs, services and costs, job programs etc XXXX ) that tremendous balance is higher than it should be which is to any or all of the following - loan transferred to XXXX servicers without clearing the balances - double charging, XXXX XXXX XXXX and costs were not clearly laid out and laid out in a way hard to follow - reps would not explain anything - in the past I have asked navient to confirm my balance and origination documents- they have only presented e-sign documents that I have never seen. Given that I was approved for defense to repayment by the dept of education Navient was supposed to discharge my loans. The project on predatory lending stated that due to being a XXXX consolidation loan Navient will forgive/discharge upon request of their form. After years of going in circles and waiting for XXXXXXXX XXXX XXXXXXXX I requested the form through Navient  on XX/XX/year> and as of today XX/XX/year> they say it doesnt exist. They cant give me any details or help me in any way. Their website says I have no payment due, they send me a bill showing I have a payment due - the balance has changed several times XXXX no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: MA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 2024-09-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 
The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX XXXX XXXX XXXX on XX/XX/year> I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from Cap One Via Dealer on XX/XX/year> I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/year> I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/year> I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/year> I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/year> I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/year> Inquiry from XXXX XXXX on XX/XX/year> I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX On XX/XX/year> I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX on XXXX I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. 
I understand that under 15 U.S.C. Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 
The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX XXXX XXXX XXXX on XX/XX/year> I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX Via Dealer on XX/XX/year> I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/year> I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/year> I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/year> I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/year> I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/year> Inquiry from XXXX XXXX on XX/XX/year> I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX On XX/XX/year> I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX on XXXX I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. 
I understand that under 15 U.S.C. Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: Fay Servicing, LLC
State: FL

Complaint narrative:
There is a sale date on my home. This has been a struggle with Fay servicing. Despite multiple request, they have yet provide me with what months that I missed payments that put my account 120 days behind. I requested this multiple times and all they have sent spread sheets that reflect no missed payments. I need this information to present to my counsel and they refuse to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX SSN XXXX XX/XX/XXXX RE : Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reportingTheCongressmakes the following findings : ( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy.

Failure to Comply or delete these items15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In generalAnypersonwho willfully fails to comply with any requirement imposed under this subchapter with respect to anyconsumeris liable to thatconsumerin an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by theconsumeras a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In generalAnypersonwho is negligent in failing to comply with any requirement imposed under this subchapter with respect to anyconsumeris liable to thatconsumerin an amount equal to the sum of ( 1 ) any actual damages sustained by theconsumeras a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and this bankruptcy must be deleted from my consumer reportor i will seek monetary damages in small claims court in my city and state. Also i already sent this letter to theConsumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, andFederal Trade Commission. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX IN ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) PLEASE DELETE OFF MY REPORTSincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief