vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-19 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: IN

Complaint narrative:
In accordance with the fair credit reporting act the list below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights! 
15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 1681 Section 604 A. section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions! 15 USC 1681c. ( A ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years! 15 USC. 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 2024-10-19 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: IN

Complaint narrative:
In accordance with the fair credit reporting act the list below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights! 
15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 1681 Section 604 A. section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions! 15 USC 1681c. ( A ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years! 15 USC. 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 2024-10-19 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: VA

Complaint narrative:
I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.

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 2024-10-19 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Signed up for carecredit at the recommendation of my XXXX. My confirmation screenshot shows that I qualified for both interest free if paid for with x months, and reduced APR. 
My total XXXX  bill was for the amount of {$3400.00} on XX/XX/XXXX. But for whatever reason, this was broken out into XXXX payments. 
XXXX payment for {$260.00} for a DEFERRED INTEREST/NO INTEREST plan 2. payment for {$3100.00} for a FIXED PAYMENT REDUCED APR plan The 1. Deferred Interest Plan and the 2. Fixed Payment Reduced APR Plan are both referred to as PROMOTIONAL plans, but they both operate very differently. 
In fact there is nothing PROMOTIONAL about the Fixed Payment Reduced APR Plan. Upon using it, it immediately charges the consumer compounding interest of 18.90 %. Not what someone thinks about when they think about a promotion. 
The alleged promotion here is NOT charging 32.99 % interest. 

Upon reading the statement, and terms of conditions, it appears that there is particular attempt to use language in a way specifically so to make it confusing. Promotional is used to describe multiple different variables, " Promotional Balance '' " Promotional Expiration Date '' " Promotional Purchase '' Also referring to the APR Plan as a " Fixed Payment '' plan, it gives the implication of no interest, despite this not being a fixed payment plan. 

The statement describes the promotional balance of each plan like this " YOU MUST PAY EACH PROMOTIONAL BALANCE IN FULL BY ITS EXPIRATION DATE TO AVOID PAYING DEFERRED INTEREST CHARGES. PLEASE SEE THE PROMOTIONAL PURCHASE SUMMARY SECTION ON THIS STATEMENT FOR FURTHER DETAILS. YOU HAVE A PROMOTION ( XXXX ) EXPIRING ON XX/XX/XXXX. '' When it says 'you must pay each promotiona balance in full by its expiration date ' for the Fixed Payment Reduced APR Plan it is saying you must pay off the entire loan immediately to avoid interest. 

Since initially signing up, i've made multiple efforts to setup autopay on the phone, and have continuously resulted in missed payments, additional fees. The website has required several attempts to finally get on, it seems poorly designed and has limited accessibility.

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 2024-10-19 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: AZ

Complaint narrative:
EQUIFAX continuously has data breaches. 
EQUIFAX HAS imposters. 
I am a victim and I am a victim of Identity Theft and FRAUD by Equifax. 
Equifax continues to violate FCRA & posts a FAKE account, PUBLIC SERVICE XXXXNOT MINE & NO CONTRACT, on my credit report & refuses to send me USPS a Equifax legal copy of my credit report. Equifax XXXX Account Take Over=cyber IDENTITY THEFT AND FRAUD. 
I have a permanent fraud, security freeze & opt out on my Equifax credit report.

Equifax has violated all 3 above and posts FAKE EVERYTHING and UNAUTHORIZED & no court order, soft & hard INQUIRIES =DELETE ALL INQUIRIES.

DELETE PUBLIC SERVICE XXXX. 
Increase my credit score and USPS MAIL ME MY EQUIFAX CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX correct this XXXX XXXX, AZ XXXX XXXX XXXX XXXX Police Identity Theft Report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: MD

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/Charge off XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/year> {$1900.00} Late Payment : XXXX XXXXXXXX  Inquiry XXXX XX/XX/year> Personal Information Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXXXXXX, MD XXXX XX/XX/year> Current Address ( es ) :  XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MD XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, MD XXXX Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: CA

Complaint narrative:
A friend paid money to my old account by acciendent and cash app os refusing to return it to her or five it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: VA

Complaint narrative:
I am writing to dispute and request the removal of inaccurate and fraudulent information from my credit report in accordance with Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ). 
XXXX. Fraudulent Address : The following address is listed fraudulently on my credit report and must be removed : XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX This address was added without my authorization and is not connected to me. Please remove it from my credit report immediately, as it is a clear case of fraud. 
2. Negative Accounts Related to Fraud : I also dispute the accuracy of the following accounts, which appear to be related to fraudulent activity. I request that they be removed from my credit file under Section 605 ( b ) : Account Name : XXXX XXXX XXXX XXXX Loan Account Number : XXXX Reason for Dispute : This account was opened without my knowledge or consent as part of identity theft. 
Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Reason for Dispute : This account was opened without my knowledge or consent as part of identity theft. 
Account Name : XXXX XXXXXXXX Account Number : XXXX Reason for Dispute : This account was opened without my knowledge or consent as part of identity theft. 
Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Reason for Dispute : This account was opened without my knowledge or consent as part of identity theft. 
Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Reason for Dispute : This account was opened without my knowledge or consent as part of identity theft. 

Under Section 605 ( b ), fraudulent or inaccurate accounts must be removed from my credit report. I request an immediate investigation into these items and their removal from my credit file. 
I have enclosed copies of my identity theft affidavit, my government-issued ID, and a utility bill as proof of my identity, along with any relevant documentation related to the fraud.

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 2024-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern : When reviewing my credit report, I found several accounts listed in my name that do not belong to me. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. The items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I have contacted the Federal Trade Commission and filed a police report. I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law.

AFFIDAVITS OF LAW 1. Are you the original creditor?

2. Have you given the debtor the opportunity to review the original contract?

3. Have you validated the home address for the debtor?

4. Have you complied with all FRCA, FDCP and FDCPA laws?

5. Have you reported to the consumer who has reviewed the original contract information with his/her original signature?

6. Have you provided the names of all creditors that have provided the names and addresses of the person who has reviewed consumer relations? 

Accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX If the above has not been completed, please Delete these accounts from my credit report and stop all contact with me. Under the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me regarding the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your company management. I also have the right to file suit against you for any future violations of this law.

I have filed an FTC Report and attached a copy of my Ohio Drivers License and Social Card to verify my Identity.

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 2024-10-19 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: FL

Complaint narrative:
This account started its first late payment on XX/XX/year>, which is inaccurate since it does not reflect the balance of the account, much less the payment due and payment paid, consequently this affects subsequent late payments. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding delete inaccurate of the following account : XXXX XXXX XXXX XXXX ( CLOSED ACCOUNT )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Vehicle balance is high and has been victimizing my personal life for years. Please adjust or remove from credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Revolut Technologies Inc.
State: FL

Complaint narrative:
Around XXXX dollars was fraudulently charged to my revolut account. Via XXXX XXXX  I never was in a XXXX  and never visited a XXXX  store on the day in question this can be verified through my phone data and history. However as I communicated my phone was not stolen. Revolut is claiming non responsibility for the charges

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment XXXX XXXX**** Collection XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX information : Previous Address ( es ) : XXXX XXXX XXXX XXXX, SC XXXX XXXX Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX : UNITED STATES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Former : XXXX XXXX XXXX Also XXXX XXXX XXXX XXXX, XXXX, MA

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 2024-10-19 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C.

1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 2024-10-19 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: DC

Complaint narrative:
My federal student loans are handled by EdFinancial Services. On XX/XX/XXXX, I canceled my existing autopay with EdFinancial because I had transferred to a new checking account, and wanted to set up auto pay with the new checking account. For the month of XXXX, I simply made a manual payment to cover my student loan payment. 

After setting up auto pay with my new checking account, I received a confirmation email and I assumed I was all set. I had set up my autopay to clear on the XXXX of every month. On XX/XX/XXXX, I receive a delinquency notice because my auto pay had not gone through on XX/XX/XXXX. I thought this was strange since I had set it up with my new bank account on XX/XX/XXXX, so I re-submitted my autopay request, and made another manual payment. 

The same exact thing happens after XX/XX/XXXX ... no auto payment had gone through. I reach out to EdFinancial and the only feedback I receive is that it takes XXXX billing cycles for my autopay to be confirmed by them. It's been over 2 months now since XX/XX/XXXX when I enrolled in my new auto pay, and I still have not heard back from them with a confirmation that it works. 

I find this unacceptable given that with autopay, you receive a 0.25 % interest reduction. By not being clear about the auto pay process, and relying on outdated technology that can not handle starting auto payment the same day you enroll, borrowers must wait months to receive their promised interest rate reductions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Yes I had someone steal my card and go on a shopping spree in a span of two days. They shopped at XXXX different stores. Navy Federal denied my claims saying they couldnt find a billing error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-19 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: NY

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  Re : Account Number : XXXX XXXXAmount of Debt : $ XXXX of Debt : XX/XX/XXXX Dear American XXXX XXXX , I am writing to request validation of the above-referenced debt. I do not acknowledge this debt and would like to see validation under the FDCPA. 
Please provide : 1. The name and address of the original creditor.

2. A detailed breakdown showing how the alleged amount was calculated.

3. Copies of any agreements or contracts I allegedly signed.

4. Proof that you are licensed to collect debts in my state.

5. Proof of assignment or sale of the debt, including the contract or agreement between you and the original creditor, verifying that you have the legal right to collect this debt. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Re : Account Number : XXXX XXXXAmount of Debt : $ XXXX of Debt : XX/XX/XXXX Dear XXXX XXXX  XXXX XXXX I am writing to request validation of the above-referenced debt. I do not acknowledge this debt and would like to see validation under the FDCPA. 
Please provide : 1. The name and address of the original creditor.

2. A detailed breakdown showing how the alleged amount was calculated.

3. Copies of any agreements or contracts I allegedly signed.

4. Proof that you are licensed to collect debts in my state.

5. Proof of assignment or sale of the debt, including the contract or agreement between you and the original creditor, verifying that you have the legal right to collect this debt. 
Sincerely, 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 explanation