vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: FL

Complaint narrative:
Under the provisions of the Fair Credit Reporting Act ( FCRA ), I am entitled to certain rights with regard to this account, and I am seeking your assistance in ensuring that these rights are upheld. 

Account Details : Vance & Huffman LLC Name : XXXX XXXX Account Number : XXXX Collection Agency : Vance & Huffman LLC Date of Initial Collection : XX/XX/2023 I believe that the FCRA allows me to request the following information regarding the aforementioned collection account : Verification of the Debt : Please provide me with detailed information verifying the existence and validity of this debt. 
Copy of Original Contract : I am requesting a copy of the original contract or agreement that supposedly gave rise to this debt. 

Payment History : Please provide a comprehensive payment history for this account, including details of any payments made, charges, and interest.

Name and Address of the Original Creditor : Kindly furnish me with the name and mailing address of the original creditor associated with this debt. 

Proof of Ownership of the Debt : I am entitled to see proof that the collection agency indeed owns the debt and has the legal right to collect it, which should include a signed application with the consumer 's wet ink signature. 


I understand that, under the FCRA, I have the right to request this information, and the collection agency is obligated to provide it. Moreover, I am aware that the collection agency must cease collection activities until this validation process is complete. 

Please consider this letter as my formal request for the information mentioned above. I kindly request that you forward this request to the collection agency involved and provide me with a copy of the validation response within the statutory time frame specified by the FCRA, which is usually 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
i just got of the phone after i sent letters asking for my account to be updated but I got the runaround, they have not updated my info to the correct status if been months I have disputed with them to no avail, and late payments on my report they refuse to remove! I need the cfpb to help them comply with the Law! XXXX XXXX and 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 2023-10-16 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: DC

Complaint narrative:
I NEVER made these inquiries on my account! Please Remove!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 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: CORELOGIC INC
State: DC

Complaint narrative:
I NEVER made these inquiries on my account! Please Remove!!

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 2023-10-16 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: MO

Complaint narrative:
XXXX XXXX Attn : Customer Service XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Request for Removal and Deletion of Personal Information XXXX XXXX # XXXX, # XXXX Dear Sir/Madam, I am writing to request the removal and deletion of my personal information from XXXX XXXX 's records and databases. It has come to my attention that there is inaccurate information associated with my name, and I wish to have my profile entirely expunged from your system. 

I want to emphasize that I have never engaged in any business dealings with Capital XXXX, nor have I ever held any accounts, made payments, or otherwise interacted with your company. Yet, there appears to be erroneous data attributed to me within your records. 

In light of the aforementioned, I kindly request that you promptly undertake the necessary actions to remove and delete all information related to me, XXXX XXXX, from your system. This includes but is not limited to any accounts, personal data, and associated records. 

I understand the importance of data accuracy and compliance with data privacy regulations. I trust that XXXX XXXX will take the necessary steps to ensure that my information is completely removed and that any traces of my presence within your databases are permanently deleted. 

I kindly request written confirmation that my information has been successfully removed from XXXX XXXX 's records. This confirmation should outline the specific actions taken to address this matter. 

I appreciate your immediate attention to this request and look forward to a swift resolution. If you require any additional information or have any questions, please do not hesitate to contact me at [ Your Phone Number ] or via email at [ Your Email Address ]. 

Thank you for your assistance in resolving this matter. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 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: MO

Complaint narrative:
XXXX XXXX Attn : Customer Service XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Request for Removal and Deletion of Personal Information XXXX XXXX # XXXX, # XXXX Dear Sir/Madam, I am writing to request the removal and deletion of my personal information from XXXX XXXX 's records and databases. It has come to my attention that there is inaccurate information associated with my name, and I wish to have my profile entirely expunged from your system. 

I want to emphasize that I have never engaged in any business dealings with XXXX  XXXX, nor have I ever held any accounts, made payments, or otherwise interacted with your company. Yet, there appears to be erroneous data attributed to me within your records. 

In light of the aforementioned, I kindly request that you promptly undertake the necessary actions to remove and delete all information related to me, XXXX XXXX, from your system. This includes but is not limited to any accounts, personal data, and associated records. 

I understand the importance of data accuracy and compliance with data privacy regulations. I trust that XXXX XXXX will take the necessary steps to ensure that my information is completely removed and that any traces of my presence within your databases are permanently deleted. 

I kindly request written confirmation that my information has been successfully removed from XXXX XXXX 's records. This confirmation should outline the specific actions taken to address this matter. 

I appreciate your immediate attention to this request and look forward to a swift resolution. If you require any additional information or have any questions, please do not hesitate to contact me at [ Your Phone Number ] or via email at [ Your Email Address ]. 

Thank you for your assistance in resolving this matter. 

Sincerely,

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 2023-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: VA

Complaint narrative:
Nelnet reached out about my consolidation request to say I needed to add another loan to be eligible. I sent the information by email and heard back within a day, with terms I am unwilling to accept. I have tried calling Neltnet several times. Their holds are excessive, and the phone system says estimated hold time is minutes without giving a number of minutes. I have tried to chat and cant get a human. I also sent them an email declining the terms, but their request states I must call them or they will proceed. How can I call if they refuse to answer? I want to be certain this consolidation is stopped, as I have attempted to get in contact many ways. I refuse a higher interest rate and want to keep things as is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Stenger & Stenger, P.C
State: IN

Complaint narrative:
On XX/XX/XXXX I received a letter from Stenger and Stenger PC ordering me to appear in court regarding a judgement obtained against me on XX/XX/XXXX. I was never informed of any court date or judgement and had never heard of Stenger and Stenger. 

I checked XXXX and saw three cases filed against me by the attorney. 

The first case was filed on XX/XX/XXXX in a county I had not lived in since XXXX. Apparently I was served here and the process served signed and swore : On Thursday, XX/XX/XXXX at XXXX, | attempted service on XXXX XXXX XXXX the service address. | spoke with XXXX who stated her daughter purchased the residence from XXXX XXXX two years ago. XXXX stated they continue to get mail for XXXX XXXX. 

Stenger and Stenger had this case dismissed by the court only to refile on XX/XX/XXXX using the same address and this time making the process server swear that the documents were delivered to me while knowingly using the wrong address. On XX/XX/XXXX a default judgement was apparently entered against me. Stenger and Stenger then filed a third case against me but in the county that I currently live and to the correct address. I never received these documents and again another default judgement was entered on XX/XX/XXXX. 

XX/XX/XXXX I began working with a debt consolidation company to pay off my debt and improve my credit. During this process those attorneys would have reached out to each of my creditors to negotiate a settlement amount. I believe this is what led to the sudden urge for Stenger and Stenger to file for a garnishment two years after obtaining two judgements without ever contacting me. This can not be a legal way to pursue or collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is the final attempt to cure. I have asked vystar to remove negative items off my credit report. No signed contract with my wet signature was given. No written consent was given to furnish negative items on my consumer 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 2023-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MN

Complaint narrative:
I fell victim to a multilayered scam operation orchestrated by XXXX ( XXXX ) ( the Company ) with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX USD which was transferred from my wallet utilizing Coinbases services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: DC

Complaint narrative:
I NEVER made these inquiries on my account! Please Remove!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: General Motors Financial Company, Inc.
State: DC

Complaint narrative:
I NEVER made these inquiries on my account! Please Remove!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CENTRAL BANCOMPANY, INC
State: MO

Complaint narrative:
The central trust bank has failed to provide me with information regards to this account with the account # XXXX that was opened XXXX XXXX with an missed payment dated 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 2023-10-16 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: AL

Complaint narrative:
This complaint is to inform you that XXXX XXXX XXXX has unlawfully reported an alleged debt to my consumer report. Under the New Rule Regulation F. which took effect XX/XX/2021. 
XXXX XXXX has violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer report. Cease and Desist the reporting of this Debt immediately or I will escalate this matter by taking legal action. 
I have not given Credit Acceptance written permission to put anything on my credit profile 15 USC 1681b2. Credit Acceptance has no permissible purpose by law to contact third parties with my private information. Your offense amount to Aggravated Identity Theft pursuant to 18 USC 1028A. You have knowingly transferred, possessed, or used without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
I AM A LITIGOUS CONSUMER AND WILL NOT HESITATE TOTAKE LEGAL ACTION AGAINST 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 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc.
State: TX

Complaint narrative:
I am filing this complaint again. Going back to XXXX  I was told I would get a ONE TIME courtesy- I was still reported late! In XXXX of this year an extension was done- that satisfy XXXX 's payment. They have reported me late for XXXX! I have called several times and was told that it would be updated for me to dispute it directly with the bureaus. This is improper use of my credit report as this is not accurate! PLEASE REFER TO THE NOTES ON THE ACCOUNT- SENDING LEGDERS DOES NOT SUFFICE AS TRUE EVIDENCE!! 

PLEASE SEE THE SNIPPET OF THE EXTENSION THAT WAS SIGNED THIS YEAR FOR XXXX. THE PAYMENT WAS MADE IN TIME AND I WAS STILL REPORTED LATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
See document attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
This is the final attempt to cure. I have asked vystar to remove negative items off my credit report. No signed contract with my wet signature was given. No written consent was given to furnish negative items on my consumer 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 2023-10-16 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: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I NEVER made these inquiries on my account! Please Remove!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: YSA ARM LLC DBA Oxygen XL
State: GA

Complaint narrative:
Oxygen XL keeps sending me collection notices saying that I owe them $ {$85.00}. I have responded twice in writing to let them know that I do not owe this debt and I have no contract with them. Oxygen XL keeps sending me a bill as validation and not verification of the account that I have no knowledge of. I have asked Oxygen XL for a contract with my signature obligating me to this debt which they have not provided. This debt does not belong to 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 non-monetary relief
Consumer complaint received 2023-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX Transunion has not done a proper investigation according to the standards of the FCRA . I have been disputing this account and Transunion keeps saying they updated the information but the account still remains inaccurate and incomplete. In accordance with the Fair Credit Reporting Act Everything has to be 100 % Accurate on my consumer report. Transunion says they have updated the account however there are still inaccurate information reporting. However, XXXX and XXXX already removed this account from my consumer profile due to inaccuracy reporting. How is it possible the account is accurate and there was a proper investigation if the reported information does not meet Metro 2 Compliance standards. Transunion is in violation of USC 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; Transunion is in violation of USC 1681 s-2 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. USPS Certified Mail Tracking # : XXXX XXXX XXXX XXXX XXXX XXXX This is ground for removal from my consumer report. This account needs to be removed from Transunion consumer report due to inaccuracy and incomplete information. XXXX account has already been removed from XXXX and XXXX. This account does not comply with Metro 2 compliance and legally can not be reported.

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 2023-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I paid the credit card in full. Then with out knowing they charged me {$2.00} which I had no idea! Which now has turned into {$63.00}! So I need help. Comenity Bank which is for XXXX XXXX XXXX. Thank you XXXX XXXX. XXXX cell.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-16 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I am writing to request that your agency complete a thorough investigation of the practices of Synchrony Bank. This company has repeatedly resorted to closing out credit accounts on my credit profile as well as, reducing the credit limit on several store credit cards all which creates a negative impact on my credit profile. I currently maintain 6 credit store accounts with Synchrony Bank, on speaking with their representative over the phone to understand why this has happened, the letter they are stating was sent out to me which never arrived at my mailing address, the contents of the letter is not making sense, because if it is my credit assessment that has caused them to close an account why did they not close all accounts. I maintain all my accounts with on-time auto payments and even {$0.00} balances. 
Synchrony Bank maintains too much of a prowess in the retail industry as they are the the bank that manages most store credit cards, their monopoly-like operation and practices need to be addressed as they are affecting the credit profile of many of my colleagues, who have similar complaints. Synchrony Bank has closed account ending XXXX XXXXynchrony Home card and has lowered my credit from {$600.00} to {$100.00} on account ending XXXX XXXX XXXX XXXX XXXX All these unfair practices being done I was never properly informed, as no correspondence was ever sent out to me. 
I currently maintain credit cards for several years now with major banks such as XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX, and I have never encountered these types of issues with these banks. So please, let me understand exactly what type of system they are using different from these major banks in their business practices and also if these practices are warranted on the consumer. 

I look forward to hearing from you on this matter, as I take great pride in maintaining a good credit profile.

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