vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: LA

Complaint narrative:
My spouse is XXXX XXXX military enlisted/serving in the state of Louisiana. Under LA statute XXXX XXXX, credit lenders are supposed to be capped at 6 %. Please adjust my account accordingly. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15 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: Navient Solutions, LLC.
State: VA

Complaint narrative:
On XX/XX/XXXX I had two student loans disbursed totalling {$120000.00}. 
I had been paying $ XXXX every month until Covid forbearance in XXXX. 
My total payments over 20 years have been {$120000.00}. 
Navient claims that I have an unpaid principal balance of {$66000.00}. 
This is clearly an example of predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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:
XXXX and Experian keeps posting inaccurate information on my credit profile

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 2023-12-15 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: DC

Complaint narrative:
Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I have giving you written unwritten verbal and non verbal per 15 U.S.C.6802

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: MS

Complaint narrative:
I have been receiving phone calls from Wakefield and Associates, LLC, for a number of months now. I have not answered the calls but occasionally someone leaves a voicemail with no details except that I should call them back. After a XXXX search to find that Wakefield is a debt collector, I became suspicious. I am not aware of any outstanding debts of any sort. After several months of calls from Wakefield, I finally received a letter dated XX/XX/2023, stating that I owe {$160.00} to XXXX XXXX XXXX, XXXX. I have never done business with this company, I have never received a bill from this company, this company has never sent any sort of communication to me regarding a debt I owe, and now Wakefield is calling me regularly and has sent written notice that I have a debt in collections. I do not believe this is a legitimate debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
multiple times account was supposed to be working with direct auto payment from our account but it does not. Then we get calls from an outside us call center. Reps are rude and hard to understand. Even when they call they actually sound like scam.and when you try to fix the issue they still treat you harshly. And after auditing the account I noted we have about 4 late fees that were attached. These late fees were also not explained and seem to come up under the original payment form. They add late fees without telling you.even though its their fault. Im seeking these late fee be refunded to us. And professional an courtesy when contacted.

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 2023-12-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
I applied with Navy Federal Credit Union for a new home loan XXXX  back in XXXX and I was denied I went to another Mortgage lender and was approved this is clearly XXXX discrimination and they need to be investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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: LA

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 15 USC 1681. 

DOE  XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$34000.00} DOE  XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$5500.00} DOE  XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1000.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1300.00}. 
DOE  XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$6100.00}. 
DOE  XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$41000.00}. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$14000.00}. 
DOE XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$6400.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$210.00}. 
DOE XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$41000.00}. 
DOE XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$5100.00}. 
DOE XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$25000.00}. 
DOE XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$38000.00}. 
XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
Collection account from XXXX XXXX  XXXX with account # XXXX and a balance of {$27.00}. The original creditor is XXXX XXXX. 
XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there. And some of them are reporting inaccurately and are fraudulent 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 non-monetary relief
Consumer complaint received 2023-12-15 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: LA

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 15 USC 1681. 

DOE XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$34000.00} DOE XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$5500.00} DOE XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1000.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1300.00}. 
DOE XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$6100.00}. 
DOE XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$41000.00}. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$14000.00}. 
DOE XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$6400.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$210.00}. 
DOE XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$41000.00}. 
DOE XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$5100.00}. 
DOE XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$25000.00}. 
DOE XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$38000.00}. 
XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
Collection account from XXXX XXXX XXXXXXXX with account # XXXX and a balance of {$27.00}. The original creditor is XXXX XXXX. 
XXXXXXXX XXXX XXXX  Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there. And some of them are reporting inaccurately and are fraudulent 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 non-monetary relief
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have provided requested information regarding proving my identity information proof of ID and address. Transunion keep asking for the same documents however these requests were sent by certified mail. XXXX XXXX XXXX XXXX US Postal service Certified Mail. since XXXX XXXX. This is a continuation of back and forward and nothing is being resolved.

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 2023-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I asked instead of getting a refund that the extra payment be applied to the next payment. They would not do that even though I have done this with other synchrony bank credit cards. I have to talk with two supervisors to even get this done.

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 2023-12-15 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: HYUNDAI CAPITAL AMERICA
State: DC

Complaint narrative:
Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have giving you written unwritten verbal or nonverbal per 15 U.S.C. 6802.

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 2023-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX Collection {$5800.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Collection $ XXXX XXXX XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX Charge-off {$0.00} XXXX  XXXX Charge-off {$0.00} XXXX  XXXX Charge-off {$0.00} However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 if the person knows or has reasonable cause to believe that the information is inaccurate. 
Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case!

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 2023-12-15 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: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15 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: IN

Complaint narrative:
I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jim Bottin Enterprises, Inc
State: FL

Complaint narrative:
XXXX XXXX XXXX is trying to illegally collect a debt that I do not owe. Please see attached. I only used their gym for 2 months of a 12 month contract, but I paid the entire 12 months. In person, in writing, by phone and in email I have repeatedly told XXXX that I will no longer do any business with them. They continue to harass me, and are trying to coerce me into going back to their gym by abusing the collection process. 

Today I asked an employee of XXXX XXXX XXXX to have an attorney review this, as no attorney has been used to review this yet. She refused to do so. 

There are XXXX  attorney generals office consumer complaints against XXXX XXXX XXXX XXXX XXXX, and even a XXXX  settlement against the company. They are still doing these illegal business practices!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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: Yamaha Motor Finance Corporation USA
State: FL

Complaint narrative:
In the event the parties fail to comply, as the consumer, I hereby reserve the rights to sue both parties for willful and negligent non-compliance in federal court under the law. Furthermore, I bring this matter to the Consumer Financial Protection Bureau ( CFPB ) to further investigate this company and all of their non-compliance of consumer laws in my previous complaint ( s ). This company is causing intentional infliction of emotional distress, defamation, humiliation, and I reserve the right to sue at any time for non-compliance of this matter. 

Additionally, I am officially and immediately rescinding any assumed authorization, whether verbal, non-verbal, written, or non-written, related to reporting the transaction information under my account. 

Thank you, Best regards. 
XXXX, XXXX ( XXXX ), UCC 1-308 All rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S CODE 1681o Civil liability for willful noncompliance and 15 U.S Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. 

PLEASE ACCEPT THIS FINAL WRITTEN OFFER OF SETTLEMENT BEFORE LITIGATION. 

Account : XXXX and Experian XXXX XXXX XXXX ( Opened XX/XX/XXXX ) Balance XXXX XXXXThis account is FRAUD! 

Hard Inquiries on 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 explanation
Consumer complaint received 2023-12-15 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: LA

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

Inquiry from XXXX on XX/XX/2023. 
Inquiry from XXXX on XX/XX/2023 Inquiry from XXXX XXXX on XX/XX/2023. 

I didn't apply for anything but it's showing in my credit report and it shouldn't be there. This is a fraudulent acccount

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 2023-12-15 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: LA

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

Inquiry from XXXX on XX/XX/2023. 
Inquiry from XXXX XXXX XX/XX/2023 Inquiry from XXXX XXXX on XX/XX/2023. 

I didn't apply for anything but it's showing in my credit report and it shouldn't be there. This is a fraudulent acccount

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 2023-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights 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 explanation
Consumer complaint received 2023-12-15 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: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights 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 explanation