vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: LA

Complaint narrative:
On XX/XX/XXXX, I contacted Discover to dispute unauthorized charges made by my XXXX XXXX XXXX daughter, dating back to XXXX of XXXX, for in-app purchases for XXXX XXXX Discover found the charges to be valid and reposted them to my card. On XX/XX/XXXX, I requested refunds from XXXX XXXX for the charges. XXXX XXXX said the requests don't meet their refund policy. I would appreciate any assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-01 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: SC

Complaint narrative:
I check my Transunion credit report and seen 9 hard inquiries that was not mines. 

I called Transunion many times to get them removed but they keep insisting me to call the creditor. I place a fraud alert on my credit file until these inquires are removed.

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 2024-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cascade Capital, LLC
State: AZ

Complaint narrative:
On or about XX/XX/XXXX I received two collection notices from Cascade Capital Funding , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX debt collection agency. The two invoices were from XXXX XXXX from a hospital stay at XXXX XXXX in XXXX of XXXX. The two invoice numbers from Cascade Capital are XXXX and XXXX. Each invoice is for the same amount of money {$760.00}. XXXX XXXX never billed my insurance company XXXX XXXX and XXXX XXXX XXXX XXXX for the services. I have asked for the original bills from XXXX XXXX but Cascade and XXXX refuses to produce the originals from XXXX. I need to know what services were performed because I believe these services were under a larger {$24000.00} bill that my insurance company received from XXXX XXXX XXXX. I believe that this is a billing error on the part of XXXX XXXX. I do not owe this money as at the time they claim the servers were performed I would have reached my annual out of pocket medical maximum because I was XXXX  for a few days before the alleged services were provided. The collection agency continues to refuse to produce the original bills. I have requested this information over the phone and two emails. I will also be sending a certified letter to the collection agency requesting this information. I am sure this is a billing error but it needs to be corrected because it is now on my credit report and I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Creditor : XXXX XXXX XXXX XXXX Collection Company : CREDIT COLLECTION SERVICES I purchased the insurance policy for XXXX. They asked me to provide the documentation for the active insurance for the past 5 years which I did. They gave a quote and approved it. I signed all documents and paid upfront fully for the insurance from XXXX. After two months, XXXX sent me a letter stating that the my premium has gone up as I had different insurance company before 5 year. I said, you asked me to provide documents for the last 5 years which I did and you approved it. And then how it matters who was my insurance provider before last 5 years. I had a call with their top management and they accepted their fault. Also, mentioned that this was a mistake by underwriter and now I will have to pay. I declined to pay additional premium and canceled the policy with them and got insurance from another company. They sent the additional premium as the collection to the above mentioned collection company where I disputed the payment and provided all necessary documentation. After that, XXXX reduced my balance ; however, I requested to provide additional documentation from XXXX to show on basis the outstanding balance is calculated. The collection company never considered my request and simply reported it to the Credit Bureao even though the case was open pending to data that I requested. The manager spoke very rudely without listening the full story and told me that he has taken steps as per guideline whereas they never provided the requested data.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Kindly delete this incorrect entry from my credit report. I never authorized or recognized this account. The relevant documents backing my claim are attached.

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 2024-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
I got a XXXX credit card in XXXX of XXXX, my first purchase was never received and I was told the charges would be dropped off my account. I then tried to purchase an item in XXXX of XXXX, the item was not what I expected and was damaged, I reached out and was told to send back the item. I dropped off the item at the local post office and XXXX claimed to have never gotten the item back. They then sent back a legal affidavit for me to fill out and send back and I did that. After that I was no longer contacted and both, my closed and new account were sent over to LVNV Funding LLC, trying to collect {$440.00} on each account. I fought to dispute the accounts and they took them off my credit report, then in XXXX and XXXX of XXXX, they were put back onto my credit report. I have asked for both the purchase agreement and if they had on file the legal affidavits I was told to fill out and they refuse to provide those to me. Even after explaining to the collection agency that these claims were incorrect, I was told if I did not pay them, my credit score would be affected horribly. Which was correct, I had a credit score I was working on at XXXX to it dropping majorly to XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I called Experian on XX/XX/2024 at XXXX XXXX and spoke with a representative named XXXX and he would not provide his last name. I asked him if he would remove some names on my credit report that were reporting incorrectly and he agreed. When I received the dispute back from Experian those names I asked him to remove were updated and not removed. This is a clear violation of 15 U.S. Code 1681 ( e ) which states : ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports they are also violating compliance procedures under this title.

They are also in clear violation of 15 U.S.C. 6802 ( b ) states : Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
Also, I will be providing screenshot of of what they updated

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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am troubled by the presence of public records on my credit report that I was previously unaware of. It is imperative that you rectify this issue promptly and remove these records from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.

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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The presence of this account has caused me considerable distress, to the extent that it is affecting my ability to sleep. I have provided all the necessary documentation for its removal, and I sincerely implore you to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The presence of this account has caused me considerable distress, to the extent that it is affecting my ability to sleep. I have provided all the necessary documentation for its removal, and I sincerely implore you to remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 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: EdFinancial Services
State: TX

Complaint narrative:
I have XXXX loans of varying interest rates through EdFinancial. On XXXX XXXX, XXXX, I refinanced my student loan through XXXX. A payment of {$31000.00} was paid on XX/XX/XXXX ( the complete balance of all loans ). After it was credited to my account, I found out it was only applied to XXXX loan ( XXXX XXXX XXXX - XXXX ), leaving me with a balance of {$26000.00} still owed across the XXXX remaining loans. Additionally, on XXXX XXXX, EdFinancial took {$140.00} from my bank account as they believed I still owed them a monthly payment. I've repeatedly called EdFinancial to explain the situation and to ask them to a ) apply the payment of {$31000.00} to all XXXX remaining loans ; and b ) to refund me the {$140.00}. I have called every month since XXXX, and I called twice in XXXX, and each time, they say they are working to process the payment. It's now been almost XXXX months, and my account is still saying I am past due in payment, and it's also reflected on my credit report. But each time I call, they refuse me anything in writing to confirm they are processing, and I'm now also on the line for a monthly payment to XXXX. Please note, I have XXXX recording of me calling someone at EdFinancial in which they explain I " don't have to worry '' and that the payment will be applied. That was said in XXXX... 

On Tuesday, XX/XX/XXXX, I called once again to see what the status of my account is since it was still saying XXXX XXXX. The woman I spoke to said I needed to provide proof of payment. I said, Well, if you look on my account record, it shows a payment of {$31000.00}. And she replied, We need a bank statement showing that the amount actually came out of your bank account. I said, Well, the loan was refinanced by XXXX, so I cant show you my bank statement showing I made the payment. And she said that until I could prove that I made the payment, she cant help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXXDEPT OF ED Account number XXXX 15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 Section 604 ( a ) Section 2 states a credit reporting agency can not furnish an account without my written instructions.

15 USC 1666 ( b ) states a creditor may not treat a payment on an account 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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXXDEPT OF ED Account number XXXX 15 USC 1681 Section 602 states I have a right to privacy. 
15 USC 1681 Section 604 ( a ) Section 2 states a credit reporting agency can not furnish an account without my written instructions.

15 USC 1666 ( b ) states a creditor may not treat a payment on an account as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION
State: ID

Complaint narrative:
I made a payment in full to close the account for this daily accrual interest loan on XX/XX/XXXX but was told that it takes two days to process the payment. I was charged interest over the two days that it took THEM to process the payment which resulted in an extra {$1500.00} that I still had to pay

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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The presence of this account has caused me considerable distress, to the extent that it is affecting my ability to sleep. I have provided all the necessary documentation for its removal, and I sincerely implore you to remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX. XXXX, XXXX # XXXX Account name : XXXX XXXX XXXX, # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXX XXXXXXXX, Hard Inquires accountsXXXX 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  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 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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my 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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synter Resource Group, LLC.
State: MN

Complaint narrative:
This complaint is with XXXX and SynterResource, a collection agency regarding harassing me over a disputed charge. In 2022, XXXX charged {$5900.00} to my credit card which XXXX had on file as a requirement for me to open a account with them. The correct amount that should have been charged was roughly XXXX XXXX.after dozens of attempts to resolve the issue, I was told by a XXXX account Rep a credit would be given on my account for the difference. XXXX has not honored this credit and is attempting to collect an additional {$1200.00}. XXXX has continually passed the matter from one department to another and never actually responded to my attempts to reconcile the overcharge and has send the additional amount to a collection agency. I immediately contacted the collection agent and informed them that I dispute the charges and supplied them with all the supporting documents. 3 times over 4 weeks since this notice of my dispute of the charges, the collection agent has continued to ignore my notice of dispute and continues to send collection demand letters and daily emails to me harassing me to pay them the disputed amount. The frustrating part is they never respond to the my attempts to contact them regarding the initial effort on their part. This seems like a billing scam.

Company response to consumer: Closed with explanation