vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Stephen L. Bruce, P.C.
State: LA

Complaint narrative:
I was forced to consider XXXX XXXX against XXXX XXXX while in California charged over {$3000.00} of merchandise home accomadations. Relocated with no employment paid mthly as well charges, but missed one and was eventulally sent to XXXX XXXX in Louisiana Attorney, now Stephen Bruce and Associates I did over a period of years pay {$3000.00} they want {$13000.00} + dollars although and recently lettered me today a address change was acknowledged to them but today lettered about a year ago. I will not be harrassed and overcharged. I have numerous of accounts mailed that are not mine recent I have no income to make charges and they or over thousands of dollars records of misconduct or submitted for over 1 and 1/2 years I have no electiricity or water and notes are paid in full even over with electricity after extension with Customer Service Rep to remove plan of {$200.00} a month I even paid {$220.00} anyway she said the amount of usage was {$160.00} for the month I had never missed a payment my sister and myself. Paid alone after she left. Mortgage was paid every month of my sister and myself my cousin accross the street and her mother one day came over to say I complained of paying I have not said anything and why since my aunt whom I live with gave the home properties to us to pay against her paying anything out of pocket we agreed a whole confusion I have no knowledge of started and they are not pemitted to visit with my sister living with them against her will having responsiblities for me to I guess make on my own and I have with my son in California before here married with limited assistance working to school him and financially support us. Would you please advise of Fair Act or something.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: UT

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2022-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 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 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 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 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 2022-09-23 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( 1 ) XXXX XXXX - Account # XXXX, 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 an account without my written instructions. }

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 2022-09-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
The Merchant XXXX XXXX XXXX XXXX XXXX  1 ) Advertised and contractually wrote " Guaranteed Lowest Price After the Sale '' but has refused to Honor the contractually agreed upon terms. 
2 ) " XXXX XXXX XXXX '' incorrectly & illegally charged double ( me and the manufacturer ) for the same product and sat on the money for several months committing bank fraud, and a Ponzi Scheme profiting from duplicate payments for the same products and forcing the Consumer to give this business an interest free loan. In effect Cooking their books. 
3 ) The Card Issuer Synchrony Bank Mishandled the Dispute process multiple times. Federal and State Banking regulations REQUIRE that if the Merchant fails to respond and properly address the consumer dispute within 60-days, the providing Bank MUST render a decision in the consumer 's favor and fully credit the dispute. Synchrony Bank failed to comply with these reg 's and laws multiple times. 
4 ) The Merchant XXXX XXXX XXXX XXXX XXXX  responded to totally irrelevant and off-point matter ignoring the basis and facts of my dispute and offered only irrelevant responses which mad them and Synchrony Bank XXXX Out-of-Compliance '' with the 60-Day Response requirement rule. 
5 ) Synchrony was there fore required to return a decision in the consumer 's favor and credit the dispute as filed. They failed multiple times.

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 2022-09-23 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: Global Lending Services LLC
State: FL

Complaint narrative:
Global Lending Services has agreed to remove the late payment and it will reflect on my credit report within 15 days, we have this in writing. It was removed immediately the next day from all 3 credit bureaus after they agreed. But then the late payment reappeared again in a few days. This is causing a major dip and confusion on my credit report and goes against what was agreed. Today makes 15 days and the late payment is still on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX 's opened a duplicate account in my name, then put the wrong address, I have called them for over two months and they will not take my payment or correct my address on file. And then reported it to XXXX XXXX. Every time I call their number XXXX I get to someone but after 30 or 40 mins they just tell me someone will call me back, and no one calls me. I do not have a card or a number that I can pay the bill to, I called and gave them my Bank info yet they are not sending me any info.

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 2022-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the fair credit Reporting XXXX XXXX XXXXhas violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
Comenity Bank has not reported any updates to any credit bureau since XXXX. 
The following cards are in question. 
XXXX  Victoria secret XXXX XXXX  XXXX XXXXXXXX XXXX XXXX  None have been reported since XX/XX/2022. This is affecting my credit score, and the credit limit and use listed is wrong for all cards. I tried to call them and everytime I get hung up on when I mention the credit reporting. The company gives me the correct credit limit and usage over the phone, but is not reporting to credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with the fair credit Reporting act the XXXX XXXX XXXX violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the fair credit Reporting act the XXXX XXXX XXXX violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Allen & Withrow
State: OK

Complaint narrative:
On XXXX i received a notice via mail from Allen & Withrow, Attorneys at Law that I owed a debt of {XXXX XXXX XXXX XXXX  They presented incorrect information on the notice. The letter date they have listed is XX/XX/2022. They also stated that I had to write to them by XXXX otherwise they would assume the debt is valid and continue their collection efforts. It is very concerning that I am just now receiving this notice on XXXX after the date that they said I needed to respond. I feel like they purposely delayed sending this until well after XXXX so they could make it appear that I did not respond within that timeframe so they could continue with their collection efforts. The letter we received on XXXX is the first and only time we have heard from this law office. The reference number listed on the letter is XXXX. The XXXXXXXX XXXX XXXX XXXX XXXX. I have attached the letter that was sent as well as confirmation from USPS on when the letter was out for delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
XXXX account started in XXXX with no knowledge to myself Personal information stolen Purchases made in fraud I spoke with the company multiple times. I contacted PayPal and had PayPaXXXX reverse charges in XXXX of XXXX. Some charges did get reversed as PayPal found that my account had been hacked and money was being sent via this card that I had no knowledge off

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 2022-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In accordance with the fair credit Reporting XXXX XXXX XXXX violated my rights. 

15 USC 1681 Section 602 StaXXXXes I have the right to privacy. 

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma, LLC
State: DC

Complaint narrative:
Credit Karma lie to me they keep sending me email about my approval is outstanding to apply for a credit card and if i don't get approve they will pay I applied twice and didn't get approved now i have high inquiry my score get down

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Prosper Marketplace, Inc.
State: CA

Complaint narrative:
XX/XX/21 I contacted prosper at the end of my extension to continue my regular monthly payments. Note : prosper granted me {$50.00} payments during the pandemic. When I made my last reduced payment Prosper said I would need to pay {$1500.00} for my next payment because the term of my lease due. I would have to make to payments of {$1500.00} to close out the loan. I requested to pay {$400.00} because the pandemic limited my income, they refused. I now have a charge-off on my credit. Prosper demanded full payment during a time when customers where struggling.

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 2022-09-23 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: UT

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: UT

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2022-09-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
Federal Student loan debt is is {$190000.00}. These loans have been in XXXX status since XX/XX/XXXX. 

There was a class action lawsuit filed against Navient ( Formerly XXXX XXXX now XXXX ). According to navientagsettlement.com, Navient was ordered to pay restitution and cancel loans for its unfair and deceptive servicing and collection practices as formerly being XXXX XXXX and other predatory practices. According to the Navient XXXX XXXX XXXX website # 4 " Who is eligible for restitution relating to federal loan forbearance steering? ", Generally, borrowers are eligible for restitution if they : >Resided in a restitution-participating state and were serviced by Navient as of XX/XX/XXXX ; >Entered repayment on a Direct or FFEL Program loan before XX/XX/XXXX ; >Had at least one federal loan that was eligible for income-driven repayment ; >Had at least two years of consecutive verbal or administrative forbearance between XX/XX/XXXX and XX/XX/XXXX, where at least one of the forbearances was entered through a phone call, and where at least half of the forbearance time was prospective ( i.e., not used to bring a past-due loan current ) ; and >Did not enroll in income-driven repayment prior to the forbearance period. 
>Eligibility for a federal loan forbearance steering payment is not affected by the transfer of servicing to XXXX. 

Although I qualify, I was not sent a postcard, letter, or email of any kind from Navient. Upon calling Navient XXXX XXXX XXXX hotline, there was no record of me in their system or database. The loans have been in XXXX ( income-based repayment ) and/or forbearance since XX/XX/XXXX. I was told to start making complaints, etc. I was not supposed to be left off of the list according to XXXX ( Supervisor ) at Navient XXXX XXXX ( XXXX ), but there was nothing they could do. I am struggling to pay these loans is an understatement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
My name is XXXX XXXX im writing regarding FNBO credit card that was unauthorized and fraudulant account i tried to dispute this and they erased it from my credit and its still there and i tried to file a complaint with CFPB and response came that i was the one who applied for this card but i was not and there is a transactions on it that wasn't 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 explanation
Consumer complaint received 2022-09-23 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: NC

Complaint narrative:
After providing proof to Transunion they are still choosing to report false information on my report. The accounts are 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 2022-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I deposited my paycheck through TRUIST mobile deposit, that was issued through the corporation XXXX XXXX XXXX XXXX, and was placed on a 9 day hold. The check was {$800.00} and I had more than enough to cover the funds if the check was fraudulent. 

I live paycheck to paycheck to feed my family. When I called the staff told me all these ridiculous reasons why it would be held, none seemed to be reason enough to hold that amount for that long, and eventually was told that they " COULD HOLD ANY CHECK AT ANYTIME FOR ANY REASON. ''

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 2022-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
There are transactions on my account that were authorized.the company has been harassing me by calling texting sending emails.

Company response to consumer: Closed with explanation