vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: NM

Complaint narrative:
I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have been receiving emails from Synchrony Bank for my JC Penney card that they will be charging a fee of {$1.00} for each paper statement being sent to me. I do not want to stop my JC Penneys statements from being sent to me. I do not want to go paperless. 
Is charging these extra fees legal? 
Thanks. 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 2024-06-12 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: NC

Complaint narrative:
My accounts was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: MO

Complaint narrative:
XXXX XXXX XXXX ACCT : XXXX Amount : {$530.00} This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have 30 days from receipt of letter. 

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 2024-06-12 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: PA

Complaint narrative:
Trans Union has violated FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) because I requested information in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and Trans Union sent me NOTHING within the 15 Days required under this LAW. Instead I received information from Trans Union that 2 of the accounts listed below were VERIFIED again. 
I submitted my request via CFPB # XXXX and Trans Union acknowledged receipXXXX on XX/XX/year> and today XX/XX/year> I received NONE of the information that I requested. This is a clear VIOLATION of FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and I could be privy to financial compensation in a court of LAW for Trans unions untimely response. 
I initially disputed these accounts via CFPB # XXXX due to my PRIVACY RIGHTS are being violated. 
I disputed using FCRA 602 states I have a right to PRIVACY and FCRA 604 ( a ) ( 2 ) states that a credit reporting agency can not furnish an account without WRITTEN INSTRUCTIONS from the consumer. Trans Union had no right to PUBLISH/ FURNISH the 2 accounts without my Permission/ Consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( SeeScreenshot ) Trade XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX ( See Screenshot ) This is my SECOND REQUEST in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) for ALL the records that will reveal the procedures used that led to the 2 accounts listed above to be VERIFIED.Additionally, I am requesting the names of the person ( s ) that Trans Union spoke to regarding my dispute and their Business Name, Address and Telephone numbers. This information requested is in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and is required to be provided by Trans Union to me the consumer within 15 Days.Provide information requested or Delete the 2 accounts.

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 2024-06-12 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: TN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

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 2024-06-12 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: NE

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-06-12 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: FL

Complaint narrative:
It has been brought to my attention that you are not blocking files when they're sent with an FTC fraud report. Since it is a requirement by law XXXX of the FCRA I'm sending this letter by certified mail to help establish a legal recourse. If you chose to not block these items listed below which are reporting inaccurately due to Identity Theft. I will be handling my documents over to my attorney to start a legal action. It's my attention not to pursue any legal action please ad here to the law... 

PLEASE DELETE THE FOLLOWING FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
This issue has been ongoing for almost XXXX years. It is too long to state here so I have included the complete explanation in an attached file. 
I also have many, many copies of bank statements, bills showing fees and interest I had to pay, and letters from XXXX. 
I can not seem to be able to attach all of those here so please can you contact me if you need these documents?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-12 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally consumer 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  15 U.S.C 1681 section 602a states i have the right to privacy 15 U.S.C 1681 Section 604a 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 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 2024-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A little over {$28000.00} in approved XXXX funds were used without my consent or knowledge. After opening multiple claims providing police reports, proof of address, and multiple written statements my claims continue to be denied. Each denial gives a different excuse none that make sense or provide evidence of why my claims are denied.

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 2024-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

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 2024-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: NM

Complaint narrative:
I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year>, XXXX ( my credit union ) overnighted a check to Capital One to refinance my vehicle loan. Unfortunately, XXXX agent put the incorrect account number on the check. Capital One advised me they would apply the money to my account in XXXX business days. XXXX business days past, then a Capital One agent told me they couldnt apply the payment and the money would be sent back to XXXX. On XX/XX/XXXX, my vehicle was XXXX XXXX XXXX by my insurance company. My insurance company was prepared to pay the lien holder, which was Capital One, but instead of Capital One sending the money back to XXXX, they used it to pay off their loan. Capital One told my insurance company that XXXX was the lien holder ; my insurance company wouldnt release the check because of Capital Ones deceptive and fraudulent practices. My loan with Capital One was still accruing interest, XXXX couldnt remove their loan from my credit report, and I couldnt initiate my XXXX insurance claim. On XX/XX/XXXX, Capital One told XXXX yet again they sent their money back via the XXXX, even though XXXX offered to pay for it to be overnighted. XXXX has deferred my payments, but they will not remove the loan from my credit report until they receive their money, which they havent. This matter has been escalated to the office of the president at Capital One, and yet all XXXX and I get is the runaround.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
NOT DEBT VALIDATION REQUEST. My rights have been violaoted In re XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX. XXXX XXXX ) they ruled if a financial institution has filed a Form 1099C with the Internal Revenue Service, cancellation ordischarge of a debt has, in fact, occurred. 

They stated it was inequitable for a debtor to claim cancellation of debt income as gross income while still allowing the creditor to then collect it from the debt and that issuance of a 1099C, when coupled with payment of income tax, cancelled an otherwise collectable debt. 

You are therefore violating the 15 USC 1681eb for maximum accuracy by inaccurately reporting INCOME as a debt .ALSO Income is prohibited from consumer reports.These are the violations : XXXX XXXX FAILURE TO RESPOND SATISFACTORILY TO THIS MATTER MAY RESULT IN A SMALL CLAIMS ACTION AGAINST YOUR COMPANY SEEKING {$1000.00} PER VIOLATION FOR : 1.DEFAMATION 2.NEGLIGENT ENABLEMENT OF IDENTITY THEFT 3.BLATANT VIOLATION OF MULTIPLE FCRA VIOLATIONS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
NOT DEBT VALIDATION REQUEST. My rights have been violaoted In re XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX. XXXX XXXX ) they ruled if a financial institution has filed a Form 1099C with the Internal Revenue Service, cancellation ordischarge of a debt has, in fact, occurred.

They stated it was inequitable for a debtor to claim cancellation of debt income as gross income while still allowing the creditor to then collect it from the debt and that issuance of a 1099C, when coupled with payment of income tax, cancelled an otherwise collectable debt. 

You are therefore violating the 15 USC 1681eb for maximum accuracy by inaccurately reporting INCOME as a debt .ALSO Income is prohibited from consumer reports.These are the violations : XXXX XXXX FAILURE TO RESPOND SATISFACTORILY TO THIS MATTER MAY RESULT IN A SMALL CLAIMS ACTION AGAINST YOUR COMPANY SEEKING {$1000.00} PER VIOLATION FOR : 1.DEFAMATION 2.NEGLIGENT ENABLEMENT OF IDENTITY THEFT 3.BLATANT VIOLATION OF MULTIPLE FCRA VIOLATIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FORD MOTOR CREDIT CO.
State: MD

Complaint narrative:
I am writing to express my deep frustration and disappointment with the ongoing issues I have experienced with my Ford vehicle and the lack of response from Ford regarding my attempts to resolve these issues. 

I purchased my Ford vehicle in XXXX of 2021, and since then, I have encountered significant and recurring problems with the transmission. Within the first year, the transmission failed, a year after it failed again both times requiring extensive repairs. The second repair I could not afford my warranty had expired. Despite these repairs, my vehicle has remained undrivable for the past year, causing me considerable financial hardship. 

Despite my consistent payments towards the loan for this vehicle, the fact that it is undrivable has placed a significant burden on me. I have incurred substantial costs for towing and other related expenses, further exacerbating my financial difficulties. 

For the past year I have been contacting Ford and the dealership I purchased the vehicle from, I have made numerous attempts to contact Ford regarding these issues as well as XXXX XXXX XXXX XXXX. My primary requests have been for Ford to either repurchase the vehicle or provide a replacement, given that I am paying for a loan on a vehicle I can not use. Unfortunately, I have received no response or resolution to my complaints, leaving me in a dire situation.

I urge Ford to take immediate action to address this matter. It is unacceptable that I continue to pay for a vehicle loan while my vehicle remains inoperable. I request a prompt resolution, either through repurchasing the vehicle or providing a replacement, to alleviate the financial strain and inconvenience caused by this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: CITIBANK, N.A.
State: CA

Complaint narrative:
A company XXXX  XXXX made an unanuthorized charged to my citi bank checking account # XXXX for {$140.00} on XX/XX/2024. I called the bank to dispute the charge. The cust serv rep told me that a stop paymet was issued and that I will receive a credit for the {$140.00} in 3 days ( XX/XX/2024 ). So I waited. 
On XX/XX/XXXX I called the bank again and I was told that the credit will be posted on the account that same day durinh the day. But the credit did not show up on my account so I called the bank again on XX/XX/2024. This time I spoke with a supervisor whom explained to me that the credit requested on XX/XX/XXXX was for {$140.00} and not for {$140.00} and because that mistake ( yes XXXX ) I will have to wait until XX/XX/2024 to receive the credit. And she also placed a revoke so bankcard can't charge me any more. 

Today, XX/XX/XXXX I checked my account and still no credit for {$140.00} was posted. 
So I called the bank again. Asked for a supervisor. Waited 1 hour and 4 minutes. The supervisor didn't listen and yell at me instead. So I called again and another cust serv rep explained that no one put a dispute on the unauthorized transsaction so that's why a never got a credit XXXX so did the other supervisor lied to me? Because this is a different story. So I was transfered to another supervisor and she told me that I need to wait another 45 days XXXX And I said this is not helping.

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 2024-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: MO

Complaint narrative:
AFFIRM ACCT : XXXX Amount : {$490.00} This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have 30 days from receipt of letter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MO. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: NJ

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with explanation