vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-01 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: WI

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my 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 2024-05-01 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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 explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Healthcare Finance Direct LLC.
State: VA

Complaint narrative:
Thanks in advance for taking the time to hear about my situation. In XX/XX/2023 I purchased XXXX from a company called XXXX XXXX XXXX and got on a monthly payment plan for the treatment. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did the treatment and to my surprise they were right because afterwards it definitely XXXX XXXX XXXX The one thing they didn't mention on the front end is how after the treatment your teeth is constantly trying to shift backwards to being misaligned again. Because of this retainers are a must to prevent this from happening and in the faq page they mention that retainers must used in some way, shape, or form for the rest of your life to maintain your smile. I only had one pair of retainers which suppose to last 6 months. XXXX XXXX  went bankrupt and I have no access to retainers or any kind of treatment from that company anymore. The payment process for the treatment was through another company called Healthcare Finance Direct ( hfd for short ) who claimed I still had to pay for the treatment in full because the treatment was completed. But even though it was " completed '' in 4 months because a retainer is needed to maintain the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. And since XXXX XXXX  can't offer anymore retainers the treatment will be undone so I think its unfair to continue to pay for a service they promised to be lifetime guarantee but now is completely gone. HFD says I must keep making payments or they will send my debt into collections affecting my credit score which is something I also think is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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:
Dear XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX I received your response about my outstanding debt that has been with you for over a year or two. I want to clarify that no police report was ever filed or police involved when my brother used my phone to create a XXXX account. This happened when we were sharing the same phone while I was still in high school. There was no identity theft involved as we both had access to the phone with all my information stored on it. 

I understand you may be looking for a police report or documentation to support this, but I want to emphasize that no such report exists. I wouldn't involve the police in a situation with my brother, who lives with me. This was simply a misunderstanding that I've been trying to explain to you for some time now. I hope this clears up any confusion and I request that the debt be removed from my credit record. '' 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. 


15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

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 explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XXXX XXXX thru XXXX XXXX XXXX XXXX Fraud not refunded Email from XXXX verifying fraud sent to bank ATM blocked Drive thru blocked from me Closed my account access No phone or lobby access XXXX in account I have no access

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS
State: CA

Complaint narrative:
I show a bankruptcy on my credit report. I contacted the court and they said they didn't furnish any information to the bureaus. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Account name XXXX XXXX XXXX XXXX Account number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 non-monetary relief
Consumer complaint received 2024-05-01 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I was reviewing my credit report and I found an error on my report that is causing me problems obtaining credit, I need to review that information with that 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 2024-05-01 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: Diverse Funding Associates LLC
State: NC

Complaint narrative:
I've called DNF Associates several times at XXXX and XXXX as late as last week with no response from the automated system. I was re-routed to XXXX XXXX XXXX and they stated I owe them nothing. All the records have been checked and I do not owe DNF. I did not sign a contract with DNF Associates so they should not be posting to 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 2024-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I not sure if I checked all of the correct prompts, but I keep getting mail for someone who does not live at my address. I have notified process servers and the postal carrier. I have sent back mail several times. I know that these mailings are an attempt to collect debt and contain court documents because XXXXne packet came in the mail open and just in a USPS clear bag. I have spoken to the addressee via a 3rd party neighbor, and she has confirmed that she has updated her address, yet this company keeps sending me her personal financial information. I know this to be a violation of the Financial privacy laws. Had I not contacted her, she would have likely missed important court dates as she now lives in another state.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
I have private loans from attending the XXXX XXXX XXXX XXXX from XXXX. These loans were obtained using fraudulent practices. The school inflated after graduation job placement, used high pressure sales tactics, increased job salaries of graduates, and lied about help with job placement. They also lied about accreditation and the content of class offerings. I had to hold off on buying a house and starting a family. Also, I had to file for bankruptcy just so I could keep paying my student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: VA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Account name : XXXX XXXX Account number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2024-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Dear CFPB, This complaint regards a promotional offer for a Macy 's American Express card, which is in fact a general purpose card. 

On XX/XX/2024 I received an email with a promotional offer of 6.99 %XX/XX/XXXXinterest if activated. ( This was the first time I had received ANY notification of the offer, which I later learned had been in effect since XXXX. ) On XX/XX/2024, I activated the offer via the link in the email. It took me to a website with an activation button. Having pressed the button, I received confirmation that the offer was activated. Later that day I used the card specifically because of the offer. 

Then on XX/XX/2024, I received ANOTHER email with the offer, like Macys never knew I had activated the offer. Once again, I used the link in the email and was taken to a webpage with an activation button. Once again I received confirmation. 

On XX/XX/XXXX, I checked my Macys American Express account online and there was discovered no offer in place the account. Next, I called the help line and explained what happened. I received no assistance in this matter even though Macy 's tech was at fault when I had TWICE activated the offer. 

This was like a BAIT AND SWITCH. I relied on the offer to make a large charge, XXXX XXXX XXXX for {$540.00}. Now the interest rate on that money is a usurious XX/XX/XXXX. 
BAIT me into charging and " mysteriously '' the offer activation doesn't occur. I would have charged the vet bill to a decent credit card company. 

Furthermore when I called Macy 's help line, the agent deliberately told me to call American Express at at a number that didn't work. 

This promotional offer BAIT and SWITCH was totally egregious.

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 2024-05-01 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: FL

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




XXXX XXXX  XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the 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 2024-05-01 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: FL

Complaint narrative:
experian closed my complaint without furnishing the vendor who provided the late payment information. this is not on my credit report because i dont have any late payments. i want vendors name and phone number. XXXX XXXX is also included in this complaint because they list on there site that i am late on payments but will not tell me who they are. original complaint XXXX regards XXXX XXXXXXXX

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 2024-05-01 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: NC

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: Paramount GR Holdings, LLC
State: PA

Complaint narrative:
Loan Agreement Number : XXXX Date of the Agreement : XX/XX/XXXX Amount financed : {$9500.00} Interest rate/APR : 11.99 % First payment date : XX/XX/XXXX I took out a loan to pay for a new boiler for my home. I understood that after the 18 month grace period, the interest would start accruing. The statements say that the first payment date is XX/XX/XXXX, so I understood that if I paid before the first payment date, I would not have to pay interest. 

I have paid {$2000.00} since XXXX. I was about to pay the remaining {$7500.00} balance on XX/XX/XXXX, but when I talked to Goodleap on the phone they said I actually owed {$9000.00}. They said that even thought I want to pay before the first payment date, the interest has already " kicked in '', and it gets taken retroactively. 

Then, when I spoke with a manager at Goodleap, I told him I wanted to pay the remaining balance of {$7500.00}. He said I could do this, but only if I request a settlement. He said this will only be approved if I am late on my payments, but since I am not late on any of my payments, I can not request a settlement at this time. I feel that I am being incentivized to not pay this loan and then get a settlement later on. This will hurt my credit. But I refuse to pay an extra {$2000.00} because of Goodleap 's unclear terms. 

Since I received the loan, it was very difficult to log into the Goodleap online system, and when I was able to log in, there is no contract or information about how much I owe. I was never sent a contract, only statements. The first time I saw the contract was on XX/XX/XXXX. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: GA

Complaint narrative:
I am writing to dispute late payments that appears on my credit report. The late payments listed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX by XXXX XXXX 

I believe this late payment is inaccurate. According to the Fair Credit Reporting Act, inaccurate information must be corrected or removed from my credit report. Therefore, I kindly request that you investigate this matter and remove the late payment from my credit report. 

Please provide me with confirmation of the resolution of this dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-05-01 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: GA

Complaint narrative:
I am writing to dispute late payments that appears on my credit report. The late payments listed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX by XXXX XXXX 

I believe this late payment is inaccurate. According to the Fair Credit Reporting Act, inaccurate information must be corrected or removed from my credit report. Therefore, I kindly request that you investigate this matter and remove the late payment from my credit report. 

Please provide me with confirmation of the resolution of this dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief