vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I received an unsolicited Amazon Business Card from Synchrony Bank. Amazon then decided that the card was my default payment method and started charging all of my purchases to it - not just my business purchases. 

I have not received a statement and when I called - after finally getting a human being on the phone I was told I had asked for electronic statements. Not so much- and I haven't received any of those either. I checked diligently - no such statement. 

When I requested a paper statement I got a major league run around but the agent finally agreed to send me a paper statement. The matter was complicated by the fact that English was clearly not the agent 's primary language.

She then told me that it would take 3-4 weeks to get me a paper statement.

The whole thing is a violation of the Fair Credit Billing Act. Amazon and Synchrony are both culpabl and should get called on the 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 2023-08-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
These accounts and inquiries are not mine they were made without my permission, consent, inquires. Capital One XX/XX/XXXX, XXXX or all the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is past the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instruction or consent 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquiries must be removed immediately thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 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: Holloway Credit Solutions
State: AL

Complaint narrative:
Holloway Credit Solution is reporting information that I have no knowledge of. I have no signed contract with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax, XXXX and XXXX are reporting late payments from companies that are inaccurate. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are all reporting inaccurate late payment information. 

These have been reported late for XXXX, XXXX, XXXX, XXXX and XXXX which is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27 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: NV

Complaint narrative:
There is. an inquiry. dated XX/XX/2023 from a financial institution that is fraud on 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 explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Robinson & Hoover
State: OK

Complaint narrative:
I had a car repossessed in 2017, willfully handed the keys over, and for 7 years never received a service or notification to appear in court to dispute the debt, and over 7 years later, my bank account was garnished and frozen. The original debt of around XXXX dollars has now became XXXX, and I was never notified. Whenever I called them to work a pay agreement, the representative for the company, Robinson HooveXXXX XXXX XXXX, refused to set up arrangements and harassed me about my workplace location, threatening to garnish my checks next, and threatened to go to my employer and talk to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
XX/XX/XXXX I sent this company a letter asking for legal verification & I never heard back from them in the timeframe according to the credit laws. Can you help me? I have going back & forth with these companies for a while. They keep sending statements as verification & this time they sent nothing. 


Account name NAVY FEDERAL CR UNION Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$16.00}, 300 written off. {$16.00}, 300 past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$16000.00} Balance updated XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
XX/XX/2023 I sent this company a letter asking for legal verification & I never heard back from them in the timeframe according to the credit laws. Can you help me? I have going back & forth with these companies for a while. They keep sending statements as verification & this time they sent nothing. 


XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I have sent debt verification requests via certified letter to Midland Credit= {$820.00} XXXX XXXX XXXX {$250.00} I have received a letter from XXXX XXXX stating that the collection would be removed from my report. It is still active after 60 days of promised removal. 

Midland Credit stated the same. It was to be removed from my credit and is still active after 65 days. 

The collection for XXXX XXXX still states in the collection process when it should read IN DISPUTE. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 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: FL

Complaint narrative:
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

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 2023-08-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
XXXX  to cancel my service with XXXX  because the lines was locked and I was unable to use the service on my three lines the 4th line I had services on because the phone was paid off. I called within 3 days XXXX refuse to cancel my services. I never was able to use my cell phone because they were locked my XXXX XXXX XXXX. These charges are reporting on my XXXX account as negative I want these charges removed effective immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NY

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX of 2021 I had over XXXX transactions made that I did not authorize or make, I contacted my bank to get this refunded after no luck with the merchant and my bank denied it without providing me any documents or a shred of evidence to support the decision after the investigation. I believe this is a violation of regulation e. Also very important to note the inconsistencies from my bank because I have had problems with this same merchant for a while and have had similar disputes approved by my bank no problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 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: GA

Complaint narrative:
RE : Warning to Remove lncorrect ltems from my Credit Report Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law.

I contacted the court, and their response is enclosed.

It is clear they do not report to you or any Credit Bureau for that matter ; therefore, your initial response verifying the item was either an error or a lie. Either way, the reporting requirements do not comply with FCRA S 611 ( 15 U.S.C. 5 16811 ), and the information must be deleted immediately.

The law is very clear as to the civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) it you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2023-08-27 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: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
Navy Federal share my personal information with a third party without my authorization. 
They have also voilated my consumer rights granted by Congress.

15USC1681A 15USC1681B 15USC6802 15USC1605 I have tried my best to work with this firm, but they keep reporting false information on my consumer repair and I want them deleted immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I, XXXX XXXX XXXX, a XXXX  XXXX, command the Department of EducationXXXXAidvantage with the account number XXXX to discharge their debt immediately. I am XXXX  and the federal Fair Credit Reporting Act ( FCRA ) promotes the equity, XXXX, and fairness in order for the Department of EducationXXXXAidvantages debt to be free from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit 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: Conn's, Inc.
State: TX

Complaint narrative:
I made a purchase a Conn 's Home Plus in the amount of {$3200.00}. The order was canceled within 24 hours and no delivery of merchandise occured. As of XX/XX/2023 a pending charge is still active on my account. When I called Conn 's approximately 1 month later, I was told it can take more than 30 days to release the pending charge. I have also contacted the issuer of the credit card for the store, XXXX XXXX  and was told they can do nothing. I asked repeatedly ( via chat ) if XXXX allows the practice of merchants holding pending charges for this long and never received an answer. Even hotels release pending charges in a timely manner and I am not sure why it takes so long or why a merchant is permitted " months '' to release a pending charge. 

XXXX XXXX {$320000.00} Purchase on XX/XX/2023 XXXX XXXX  account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 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: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
Aidvantage has provided me with a long over due XXXX evidencing the amount of {$70000.00} being cancelled. Yet the debt is still reflected on all of the credit reporting companies and credit bureaus. This has caused me financial damage and will seek damages if this not resolved within the next XXXX. After I will file complaints with XXXX, the OCC, SEC, Attorney General for the lack of consideration. 

My civil liberties have been manipulated for fare too long. Please act accordingly. 

Please be advised by filing these earning reports put you at liberty violating 18 USC 912. By placing my principle, XXXX XXXX agent to the Principal ( XXXX XXXX XXXX ), as a XXXX XXXX  in order to obtain money, the responsible party, CEO, CFO maybe penalized with fines and jail time of 3 years. 

As a private party, I dont have earnings connected with the trade or business franchise, then you cant have a tax liability. This is a form commercial invasion of the state which is in violation of Article 4 section 4 of The XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 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: CT

Complaint narrative:
I, XXXX XXXX, consumer, and natural person, am aware of all rights that i have, and which are protected by the Congress under the fair credit reporting act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confuse under USC 1681 1 account name XXXX XXXX XXXX  Account number XXXX date open XX/XX/XXXX XXXX account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX date open XX/XX/XXXX XXXX account name XXXX XXXX XXXX  Account number XXXX date open XX/XX/XXXX XXXX account name XXXX XXXX  Account number XXXX date open XX/XX/XXXX XXXX account name XXXX XXXX XXXX Account number XXXX XXXX open XX/XX/XXXX XXXX Inquiry name XXXX XXXX XXXX  XXXX Inquiry XXXX XX/XX/XXXX XXXX Inquiry name XXXX Inquiry date XX/XX/XXXX XXXX Inquiry name XXXX XXXX Inquiry date XX/XX/XXXX - [ ] 15 U.S.C 1691 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 2023-08-27 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: CT

Complaint narrative:
I, XXXX XXXX, consumer, and natural person, am aware of all rights that i have, and which are protected by the Congress under the fair credit reporting act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confuse under USC 1681 1 account name XXXX XXXXXXXX XXXX  Account number XXXX date open XX/XX/XXXX 1 account name XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX date open XX/XX/XXXX XXXX account name XXXX XXXX XXXX  Account number XXXX date open XX/XX/XXXX XXXX account name XXXX XXXX  Account number XXXX date open XX/XX/XXXX XXXX account name XXXX XXXX XXXX Account number XXXX XXXX open XX/XX/XXXX XXXX Inquiry name XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX Inquiry name XXXX Inquiry date XX/XX/XXXX XXXX Inquiry name XXXX XXXX Inquiry date XX/XX/XXXX - [ ] 15 U.S.C 1691 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I mailed a check on XX/XX/XXXX and it was received on XX/XX/XXXX. I reviewed the statement which is attached again the funds were misapplied and then put in the principal. I even attached a letter stating the check # and where to apply it to. I even provided with the check stating my acct # and escrow. 

Again I have attached the last time this happened and the response from Wells Fargo and this is less than a year say 11 months ago when done the same thing. 

What is going to take to for someone to read. I am tired of the excuses that it is a 3rd party company doing this etc. See the attached letter the excuse from XX/XX/XXXX How many more complaints do I have to file. Is there incompetent people that do not read or ignore where to apply it? It is clear on how many times I have put it stating where to put it in escrow including letter. 

I am getting tired of filing complaints like this every 11 months or less.

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 2023-08-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: IL

Complaint narrative:
Diversified Adjustment Service , Inc . 
XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX I have a debt on my credit report from Diversified Adjustment Service for {$130.00}. The debt is for a XXXX XXXXccount that I have never had. I have contacted the Diversified Adjustment Service over 60 days ago with no reply. I contacted them again 45 days ago and still nothing. I do not owe this amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am formally disputing the inaccurate reporting of a Collections account by XXXX Collections on my credit report as of XX/XX/2023. Despite the fact that this account has been paid in full and closed, it is erroneously being reported as a Collections account, which is negatively impacting my credit profile. I kindly request the immediate removal of this inaccurate collections status from my credit report. 


I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to challenge the accuracy of this reported information. The FCRA stipulates that consumer reporting agencies are required to report accurate and verifiable information. In this case, the reporting of a collections account that is neither valid nor reflective of my credit history constitutes a violation of the FCRA. 


I would like to bring the following statutes and defenses to your attention : FCRA Section 611 : This section grants consumers the right to dispute any inaccurate or incomplete information on their credit reports. If the accuracy of the information can not be verified, it must be corrected or removed. 


FCRA Section 623 : Under this section, the information reported to credit bureaus must be complete, accurate, and not outdated. Any information that fails to meet these criteria should not be reported. 


FDCPA Violation : Reporting inaccurate information about a debt, especially one that has been paid in full, may be considered a violation of the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA prohibits debt collectors from using deceptive or misleading practices. 


Given the inaccuracies in the reporting of this account, I expect its immediate removal from my credit report. I kindly request written confirmation of the removal and an updated credit report reflecting this correction. Furthermore, I urge you to communicate this correction to all major credit reporting agencies to ensure the accuracy of my credit history across all platforms. 


I appreciate your prompt attention to this matter. Please respond to this dispute within 30 days of receiving this letter and provide details on the actions taken to rectify the inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX, TransUnion and XXXX are reporting late payments from companies that are inaccurate. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX  and XXXX XXXX are all reporting inaccurate late payment information. 

These have been reported late for XXXX, XXXX, XXXX, XXXX and XXXX which is incorrect.

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 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX, XXXX and Experian are reporting late payments from companies that are inaccurate. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX are all reporting inaccurate late payment information. 

These have been reported late for XXXX, XXXX, XXXX, XXXX and XXXX which is incorrect.

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