vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
THIS IS THE EMAI I SENT TO THE SPECIFIC DEPARTMENT OF SUNRISE DEBT COLLECTION AGENCY THAT HAS TAKEN OVER THE PREVIOUS DEBT COLLECTION AGENCY FOR XXXX XXXX XXXX. 

I SENT THE EMAIL ON XX/XX/XXXX AND THEY STILL DID NOT ANSWER TO THIS DATE ( XX/XX/XXXX ), YET THEY KEEP ON TAKING POINTS OUT OF MY CREDIT SCORE ( XXXX YESTERDAY ). 

I FORWARDED AGAIN THE SAME LETTER ASKING THEM TO PLEASE ANSWER ME BACK. 


To the XXXX at XXXX, I spoke on XX/XX/XXXX to your co-worker XXXX on a recorded line. 

In summary : I told him how frustrated I was in seeing that my credit score dropped by XXXX points on XX/XX/XXXX because " Sunrise Credit Services added a collection to my report ''. 

He told me that I could settle paying {$170.00}. 

The problem he said was that I did not return the equipment in time to XXXX XXXX XXXX XXXX. 

I told XXXX that I had spent numerous hours on the phone in the months following the return of my equipment on XX/XX/XXXX - receipt is attached to this email - stating that I had used the equipment in an apartment complex that had already fiber optics for XXXX & XXXX and that I had returned all the equipment in time. 

I also told XXXX that the previous debt agency had apologized to me for the mistake of XXXX XXXX XXXX and appreciated all the time it took me to tell them about the details of the mis- communication. In fact, the previous debt collection agency stopped calling me because we had settled the dispute. 

This is the explanation why when the first representative of XXXX made contact with me I cut the call short saying that I had settled the dispute. 

Hoping that this email is really the final one in regards of this matter, I ask you to please let me know, in writing that everything is settled and if you can please erase the debt collection so I can get back those XXXX points that I sweat for.

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 2024-06-07 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: U.S. BANCORP
State: IL

Complaint narrative:
I am from XXXXXXXX XXXX. I am currently in the XXXX XXXX. I received an email that there is a hard inquiry from XXXX XXXX, made on XX/XX/year>, on my XXXX credit report. I have not applied for any credit cards while here in XXXX XXXX XXXX I want this hard inquiry pulled. I want a fraud alert placed on my report. I do not want any credit card issued in my name.

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 2024-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: OR

Complaint narrative:
Deposited a check for {$500.00} to my SoFi checking account. SoFi cashed the check, took my funds, and then closed my account. Then they logged me out and changed my password.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: TX

Complaint narrative:
I've recently received a copy of my credit report and seen multiple inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks are detrimental to my credit health and life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
1. I have 2 issues, Rewards Program and cash advance, I tried for several months to resolve the rewards program issue, no luck, requirements were that I had to spend over {$50000.00} per year to keep Mosaic status with JetBlue, Barclays provided annual summary that shows over {$50000.00} was spent, they still would not reinstate my Mosaic status, and would not say why. 

2.The cash advance issue began in XX/XX/XXXX, I used my credit card for a {$200.00} cash advance at an ATM machine, I did not realize this was a cash advance, I did not think much of it because I pay my total balance every month. Fast forward to today XX/XX/XXXX, I contacted Barclay 's about a recurring finance charge on my statements, every month I was being charged {$4.00} - {$15.00}, for the last 40 months, after a full day of online chat, I requested a payoff to cancel my card, they sent me the amount, however, I'm unable to pay more than is owed on the card, I got an error message whe trying to process. I have saved a days worth of contradicting chat log, I requested the payment processing to be fixed and they responded that someone would call me within 48 hours.

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 2024-06-07 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Inquiries XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX : XXXX XXXX  - XX/XX/XXXX : XXXX  XXXX : XXXX  - XX/XX/XXXX : XXXX XXXX  - XX/XX/XXXX : XXXX XXXX - XX/XX/XXXX :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I in good faith and standing decided to entrust my hard earn funds to Venmo by having direct deposit setup through my employer. So Venmo decides to close my account saying that they notice some suspicious activity in the account I used for direct deposit. So they automatically suspended the account with out giving me an details as to why. They told me the funds which are XXXX would be held in the account for XXXX months or XXXX days. Now the XXXX  day mark was XX/XX/XXXX. I have yet to receive my funds. I kept calling and kept emailing them. All they did was give me excuses after excuse. Never made good on their promise that the funds would be released before or on XX/XX/XXXX. Now all of a sudden they claim I owe them money. I'm tired of Venmo an I want all of my funds that I asked for and that I'm owed inside that closed account asap. Because of this I wasn't able to pay certain bills or get things for my kids for XXXX last year. Never used Venmo they are crooks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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 recently reviewed my credit report and was shocked to discover that I have been a victim of identity theft. Numerous accounts on my credit report were not opened by me. I am distressed that this information has been included in my credit profile and that your procedures have failed to ensure the highest possible accuracy in your reports. Credit reporting laws require that bureaus report only 100 % accurate information. Every measure must be taken to ensure the information reported is completely accurate and correct. 

I have already contacted the Federal Trade Commission and filed complaint # XXXX. I kindly request that you block and eliminate all erroneous information from my credit report and provide me with an updated copy in accordance with FCRA 605B ( 15 U.S.C. & 1681c-2 ), which mandates the removal of such accounts within 4 business days of receipt. Specifically, please remove all information related to identity theft, including the following accounts : XXXX. XXXX, Account number : XXXX. 
XXXX. XXXX, Account number : XXXX. 
XXXX. XXXX XXXX Account number XXXX... 
XXXX. XXXX XXXX XXXX, Account number : XXXX... 
XXXX. XXXXXXXX XXXX, Account number : XXXX... 
XXXX. XXXX, Account number : XXXX... 
XXXX. XXXX, Account number : XXXX... 
XXXX. XXXX XXXX, date of inquiry : XX/XX/year> XXXX. XXXX XXXX, date of inquiry : XX/XX/year> XXXX. XXXX, date of inquiry : XX/XX/year> XXXX. XXXX XXXX XXXXXXXX XXXX XXXX - XXXX, CA XXXX ( Address ) XXXX XXXX XXXX XXXX XXXX - XXXX XXXX CA XXXX ( Address ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( Address ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX ( Address ) XXXX. XXXX XXXX XXXX - XXXX XXXX, CA XXXX ( Address ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, CA XXXX ( Address ) XXXX. ( XXXX ) XXXX XXXX Phone number XXXX. ( XXXX ) XXXX XXXX Phone number Furthermore, in compliance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, I am demanding actual proof that the information was verified, rather than a computer-generated confirmation. Please provide the following details : 1. The names and business addresses of each individual with whom you verified the information.

2. The date on which you contacted the individual information furnishers.

3. The method of communication used to verify the information.

I want a human verified response as supposed to the computer generated responses I have been getting.

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 2024-06-07 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: AZ

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldnt be on my credit/consumer report. 
XXXX XXXX BANKRUPTCY Case Number : XXXX Delete this account. 


2. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX  XXXX Account Number : XXXX Delete this account. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX0. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it 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 2024-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.

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 2024-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: TX

Complaint narrative:
This company XXXX XXXX XXXX XXXX ) is attempting to collect a debt originally credited by XXXX. I notified the company that I already paid off the debt and requested the account be removed via the XXXX app. However, despite the payment reciept XXXX validated the debt based on information provided by the company. 

Account No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mn 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 2024-06-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I attended XXXX XXXXXXXX XXXX XXXX XXXX XXXX back in XXXX, which changed its name to XXXX XXXX before closing. Sallie Mae at the time as they were only provider offering private loans to attend the school. I was not allowed to use my existing private student loan through XXXX XXXX XXXX that had previously been established to attend a public university. I along with my cosigner took out 5 loans total with Sallie Mae, each of these loans had high interest rates of 10 % -13 % by the time I had graduated I had racked up {$97000.00} dollars in debt.There have been several lawsuits that involve Sallie Mae and now Navient over charging sub-prime interest rates on this loans taken out for students to attend for-profit schools like XXXX. 

The school advertised that they had high job placement rates after graduation as well as offering Job placement assistance to help graduates find a job in their field. I reached out for assistance shortly after graduation in XXXX  and was merely sent result from a job board and no further help. I have struggled since graduation to find a high paying job in my field and even more so now that my degree is basically a useless piece of paper. 

I have managed to pay my monthly payment each month however due to this payment however, due to having a large monthly payment for the past 17 years I have not been able to afford to save for retirement, buy a home and can barely afford to live on my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: NC

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 informationisinaccurate.

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 2024-06-07 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: NC

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 informationisinaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: CT

Complaint narrative:
XXXX  XXXX XXXX Account Number - XXXX Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This card is being reported on my credit report. I have never applied to this company for a credit line.

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 2024-06-07 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: GA

Complaint narrative:
I am exercising my right to dispute and investigate these accounts, which are incorrectly reported on my credit file. Under the Fair Credit Reporting Act, I should be awarded {$1000.00} for each erroneous report. FCRA 605B obligates us to report any inaccuracies found on a consumers report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 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: GA

Complaint narrative:
I am exercising my right to dispute and investigate these accounts, which are incorrectly reported on my credit file. Under the Fair Credit Reporting Act, I should be awarded {$1000.00} for each erroneous report. FCRA 605B obligates us to report any inaccuracies found on a consumers 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