vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST PORTFOLIO SERVICING INC
State: FL

Complaint narrative:
I disputed this on my credit a few times. The first time I made email contact was on XX/XX/2023 requesting an itemized bill, validation of debt with my signature and a fraud packet. They responded on XX/XX/XXXX by XXXX XXXX telling me I would receive a separate email with the fraud information on it. I responded back on XX/XX/2023 letting them know I have still not received it and my credit has been opened the are still reporting. I sent another email today letting them know I still haven't received anything that I requested and they are still reporting to my credit. I've requested and requested and have not receive any information and they are having a negative impact on my credit. I'm trying to clean up my debt that is reporting but I refuse to pay for something that isn't mine. 

Please help me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TRANSUNION is in violation of the FCRA. As a consumer I shall be able to obtain my free consumer report ONLINE from XXXX with no adverse action! This is very inconvenient since I need to view my TRANSUNION report immediately like my other consumer reports ONLINE ( XXXX XXXX XXXX ) to investigate a certain matter on my consumer report. 

Receiving my TRANSUNION Report through mail is a slow inconvenient process. And I need this matter handled ASAP!! 

This issue is causing XXXX XXXX & XXXX XXXX to me since Im trying to apply for a credit card for my personal matters.

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 2023-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I want to make a false report about Experian credit report agency. They have reported on my credit report that my XXXX XXXX XXXXXXXX XXXX XXXX XXXX was closed and wrote off. This is incorrect and I will attach documents from XXXX that I have never been late. My account is still active and up to date. This dropped my credit score around XXXX points for nothing

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 2023-07-01 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy & confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15USC 1681 section 602 A. States I have rights to privacy 15USC 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15USC 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 7 years. 
15USC 1681s-z ( 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.

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 2023-07-01 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy & confidentiality under 15 USC 1681. 

XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX Dofed # XXXX, XXXX # XXXX has violated my rights. 
15USC 1681 section 602 A. States I have rights to privacy 15USC 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 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 7 years.

15USC 1681s-z ( 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.

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 2023-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I opened a Synchrony bank CareCredit card in XXXX to pay for a XXXX. It is the only purchase made on the account and should have been paid off in XXXX with the regular monthly payment ( about {$400.00} ). I noticed in XX/XX/XXXX that the balance was nowhere near XXXX. I saw I was charged a " XXXX XXXX '' charge every month equal to about {$160.00}. I never agreed to this add-on. I have all the original paperwork and even the envelope from when I opened the account. " XXXX XXXX '' is not in any of the paperwork. I can also say that it would be an absurd decision to pay for this as it is nearly 1/2 of what the monthly payment was supposed to be ( $ XXXX {$400.00} ), so no one would logically choose this option. 

I sent a secure message to the company two times in XXXX explaining this and did not receive a return message. I called three times, when I finally got through their representative after 20 minutes of holding they were having phone line issues and they could not be heard.

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 2023-07-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
Affirm is a XXXX company, i have been making payment on loans for 3 years now and they have no real options to help out customer when they are on a financial hardship!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
I disputed this on my credit a few times. The first time I made email contact was on XX/XX/2023 requesting an itemized bill, validation of debt with my signature and a fraud packet. They responded on XX/XX/XXXX by XXXX XXXX telling me I would receive a separate email with the fraud information on it. I responded back on XX/XX/2023 letting them know I have still not received it and my credit has been opened the are still reporting. I sent another email today letting them know I still haven't received anything that I requested and they are still reporting to my credit. I've requested and requested and have not receive any information and they are having a negative impact on my credit. I'm trying to clean up my debt that is reporting but I refuse to pay for something that isn't mine. 

Please help me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 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: Nelnet, Inc.
State: MI

Complaint narrative:
My student loans were transferred to Nelnet in XX/XX/2022. I have been making payments of {$500.00} to {$1000.00} per month and recently discovered Nelnet has only been crediting my loans with {$40.00} payments. I contacted Nelnet customer service weeks ago and provided them with printouts from my XXXX XXXX reflecting the dates and amounts of the electronic payments to Nelnet. As of today, Nelnet is unable to tell me where the missing funds are and why they haven't applied the funds to my loans. I received a call from customer service approximately two weeks after notifying them of the discrepancies and they informed me they have not made any progress in determining what has happened to the thousands of dollars I have sent them since they assumed servicing responsibilities for my student loans. I have researched this issue and discovered that this is not an isolated situation and countless other borrowers have complained of similar misconduct by Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Reporting act. The list of names below has violated my federally protected cunsumers rights to privacy and confidentiality under USC 1681. 

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, DPT EDXXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 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 funish a account without my written instructions 15U.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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Method of Verification Request To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX XXXX XXXX Account # XXXXverified the account they are reporting is accurate. Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. Name, address, and telephone number of each person contacted regarding this alleged account. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. The item in question is inaccurate and represents a very serious reporting error. I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. 

I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. I am formally requesting that these matters be investigated properly and immediately. The account information listed directly below is inaccurate, and I dispute the validity of each. As per the FCRA you must delete all entries to my credit file that can not be proven to be accurate. Likewise, you must provide me with your Method of Verification. You are a partial owner of the E-OSCAR system, which has proven to be unreliable for the intended purpose of my dispute and does not constitute the legally required independent investigation that you must conduct. For clarity, the sections of the Fair Credit Reporting Act of 1970 which are referenced within this letter are : Section 604, Section 609, Section 611, and Section 623. I will assume that by the very nature of your business, I do not need to provide definitions of what is covered under each of these sections individually.

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 2023-07-01 00:00:00
Product: Credit reporting, credit repair services, 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: NJ

Complaint narrative:
These accounts do not belong to me and are fraud. I have included the identity theft report as well. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
These accounts do not belong to me and are fraud. I have included the identity theft report as well. 

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 explanation
Consumer complaint received 2023-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am in the process of wanting to purchase an apartment and noticed I had damages on my credit report. According to 15 U.S.C 1681, there should not be any damages on my report as it is defamation of my character.

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 2023-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am in the process of wanting to purchase an apartment and noticed I had damages on my credit report. According to 15 U.S.C 1681, there should not be any damages on my report as it is defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
For some reason they closed my account. Never had a problem with them. Always paid my bill on time. They just exercise their right to close my account. Why?

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 2023-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have a credit balance of {$790.00} on my credit/debit card. I called the credit card department 6 times to get this credited back to my checking account. I even went to a branch twice to have this issue resolved all to no avail. I was told it would take 10 business days for this to be resolved and it is way beyond the time period. >This is fraud on behalf of Bank OF America and I will see it through. XXXX : CASE ID- XXXX XXXX XXXX This issue started on XX/XX/2023 and I am still waiting for my refund

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 2023-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/23, I made a payment for {XXXX with my fiance 's bank account towards my car payment. It was processed on XX/XX/23. On XX/XX/23. On XX/XX/23, he didn't recognize the transaction and disputed a transaction for the payment amount, not realizing it was for the payment. He realized the mistake and cancelled the dispute on the same day. On XX/XX/XXXX, XXXX XXXX ( his bank ) took back the money but never recieved any money for this transaction, and essentially the money dissapeared. Additionally, On XX/XX/23, my bankruptcy case was filed with the court and a capital one representative could not be reached due to pending bankruptcy, instead a got redirected to XXXX ( the company holding my account due to bankruptcy ). A week later, I called to request an explanation if the payment would be reprocessed and the XXXX representative stated that it would not. 

On XX/XX/23, I called once again inquiring about the money and to get a copy of my payment history. 

I have tried resolving this issue with Captial OneXXXX and they refuse to cooperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
I have XXXX Im sitting here and received a call from Sunrise Credit Services harassing me over a so called debt I have with XXXX internet services I had. XXXX messed up my bill several times stated I owe money for a modem I never received and they charged me for an extra month of internet services after I requested a disconnection. This is not legal for someone to charge you an extra month of internet services if you requested it be disconnected. I never received a final bill from XXXX I received a collection call from Sunrise credit services and havent received anything from them in the mail either. If anything is placed on my credit report I will file a lawsuit against both parties XXXX and Sunrise Credit Services.

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 2023-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: MI

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. 



Account name : DISCOVER BANK # XXXX has violated my rights. 

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy & confidentiality under 15 USC 1681.

XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX Dofed # XXXX, XXXX # XXXX has violated my rights. 
15USC 1681 section 602 A. States I have rights to privacy 15USC 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 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 7 years.

15USC 1681s-z ( 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.

Company response to consumer: Closed with explanation