vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I was ruined by XXXX, and for a long period of time I was using my savings to maintain my payments on credit cards. Eventually I just ran out of savings and making payments were not possible. However, I was hoping that your financial institution would eventually sell off my debt to a third-party debt buyer. Or at least make an offer in compromise to resolve the account. That has not happened. Accordingly, I am reaching out to see if a reasonable offer is possible. I have no other recourse but the reach out through the Consumer Financial Protection Bureau ( CFPB ). I do realize that bankruptcy is an option, but I wanted to see if there was an alternative. Please reach out to me through the CFPB. 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 explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Incorrect Name - XXXX, XXXX, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, NC, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, NC, XXXX EMPLOYER - XXXX XXXX XXXX EMPLOYER - XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/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

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 2024-05-20 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:
delete the inquries.

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 2024-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I lived at the address XXXX XXXX XXXX XXXX, Florida XXXX with my parents from XX/XX/XXXX until XXXX of XXXX. I was in high school from XX/XX/XXXX until XXXX XXXXf XXXX, During the time that they claimed I was living in XXXX XXXX. When I graduated high school I moved into my very own and first apartment in XXXX of XXXX at the address XXXX XXXX XXXX, XXXX, Fl XXXX. I have a lease agreement and a copy of my light bill for proof of residence at this address. I also have a copy of my high school diploma from XXXX XXXX XXXX. I never lived at the address XXXX XXXX XXXX, XXXX XXXX Florida. Please do a proper investigation and remove this inaccurate and fraudulent collection from my credit report effective immediately. 
There are also bank statements as proof that I never made any rental payments to this address, except to my Landlord XXXX XXXX at the address XXXX XXXX XXXX, XXXX, Fl XXXX. Please match the documents and do a thorough investigation. Provided below is also a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-05-20 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: CA

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Accepted a store credit card offer on XX/XX/XXXX with a {$1200.00} credit limit. Made purchase of {$11000.00}. Added {$750.00} from my XXXX XXXX unto {$1200.00} XXXX for total amount above. I then traveled aboard on business. Made pay by monthly payments totalling {$1100.00} Never got any disclosure or communications regarding account statement online although it was requested Upon my return home, found account statements covering period account duration. Discovered, I had been charged late fees of {$40.00} monthly and interests from inception account opening. Spoke with a Wayfair Supervisor XXXX ID # XXXX who claimed to grant {$20.00} on interests on XX/XX/XXXX as XX/XX/XXXX concluded one year of promotion.

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 2024-05-20 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Incorrect Name - 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

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 2024-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
They will not allow me to speak with them. I identify the information on the notice i received in the mail. When they acknowledge it is me on the phone and then ask me for my DOB and SSID which i do not need to disclose to these people. I never signed a contract with this company and I do not know who they are. 


While working with XXXX and XXXXXXXX XXXX. I was unable to resolve major issues like my card being fraudulently charged and my account actually being compromised. 

I have no used their services since I was compromised. XXXX refused to speak with my along with XXXX who referred me back to XXXX. 

I am being scammed by these two companies.

If I CALL THEIR NUMBER IM REQUIRED TO SHARE THIS ALARMING INFORMATION Do not include personal information, such as your name, account number, address, Social Security number, etc. We may ask for some of this information later, to help the company identify you and your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
After reviewing my credit reports, I noticed numerous errors ( XXXX Inquiries ) found on my credit report. These unauthorized Inquiries are causing hardship and actual damages violating section 1681b for permissible purpose and 1681c for information contained in consumer reports. XXXX, XXXX, and Equifax has violated compliance procedures under 15 U.S. Code 1681e & Privacy Act of 1974 ( 5 U.S. Code 552a ). 
You XXXX, XXXX, and Equifax have thirty days ( 30 ) validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In addition, urgently produce and deliver a contract between you XXXX, XXXX, and Equifax and I, consumer, bearing my signature showing proof that I gave you permission to furnish any information on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: NY

Complaint narrative:
I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.

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 2024-05-20 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:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit

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 2024-05-20 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I was a cosigner for my daughter 's student loans, with Navient ( who purchased the loans from a different financial institution ). Two loans, amounting to approximately {$10000.00}, and dating back to XXXX. They state that they have been " unable to reach her '' and are demanding repayment be overtaken by me, or they will put these loans into " default '' and potentially attach a lien to my mortgage, take my Social Security or tax refunds. They have influenced my credit score, so much so, that it was XXXX, in XX/XX/XXXX, and is now XXXX. When I told them that I had no idea that this was occurring, they told me that it is MY responsibility to keep " tabs '' on the finances of my 38 year, married daughter, with her own mortgage and tax refunds. I gave them her contact information. They continued to threaten and berate me until I disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Dear all, On XX/XX/XXXX we have made a NO PENALTY XXXX with XXXX $ with a 4.05 % rate, and another XXXX, with XXXX $ ( this was a remaining from other closed account ). 
This CDs expired on XX/XX/XXXX and we communicate to the bank several times ( by phone ) to indicate that we are not interested in renewing the CD, but they answered that they can not close the CD unless we go in person to a XXXX agency, and they can not send a check to or address or transfer the money to another account. The problem is that since CitiBank have closed all our deposit accounts ( on XXXX ), we can not receive the money in a checking account to and since our residence is outside US ( in XXXX ) is very complicated travel to US only to go a Citibank agency to deal with this. 
Another issue is that Citibank also has withhold taxes over the deposit incomings, although we have signed a W8 requirement because we do not live on the US. It is possible to recover the taxes? 
At this moment, we ask for your help to find a way to recover these funds blocked at CitiBank. We have a fully functional account in XXXXXXXX XXXX XXXX, and it could be a feasible solution that XXXX transfer the money to our account in XXXX ( Note that we are the same titular in both accounts ). 
If this option is not possible, we also propose that they send a non-transferable check to our residence address in XXXX XXXX by XXXX as they do the last year to solve the previous issue in 2023, and then we can deposit the check in another bank.

At this moment, Im currently dealing with health issues, and I need to pay some medical treatments, making more difficult to travel to US. 
Attached the document that proofs that our actual residence is in XXXX, to demonstrate the residence and the mentioned CD statements for reference. 
Thanks for the support you can give to us.

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 2024-05-20 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: WI

Complaint narrative:
I have repeatedly for over a couple of years trying to get these inquiries and hard inquiries off my credit report and they have not and I have paperwork showing so I will send the documents through the document area where I have done this

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 2024-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PENTAGON FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
excerpt from penfed chatbot. trying to payoff my auto loan with my credit card, chat say i can walks me through it, Penfed says i can not. XXXX chatbot is giving out false information potentially harming me. 


make payment on auto loan with credit card What is the payment for? You can select from below or enter something like " mortgage '' or " student loan. '' PenFed Online Banking Assistant Choose one of the following options auto loan Is this auto loan payment a one-time or a recurring payment?

PenFed Online Banking Assistant Choose one of the following options One-time payment To make or set up a one-time auto loan payment with your credit card : 1. Scroll to your loan and click Make a Payment.

2. Set the paying account, amount, frequency, and other options.

3. Click Continue, review the payment, then Submit. 
You can get more information in this article : How to Make Loan Payments Did this help? 
PenFed Online Banking Assistant XXXXXXXX XXXX yes XXXX XXXX Is there anything else I can do for you? 
PenFed Online Banking Assistant XXXXXXXX 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 2024-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling 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 2024-05-20 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-20 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: CT

Complaint narrative:
I have recently made payments on two loans on Aidvantage that totaled to XXXX on one payment and XXXX on the previous payment. These payments have been reversed without me asking for them to be reversed and the payments have not reflected in my bank account. Now the amount owed is rising due to interest. I have been attempting to make payments and the keep getting reversed. I am filing this complaint to figure out whats going on with my payments and why they keep getting reversed. I need this fixed ASAP.

Company response to consumer: Closed with explanation