vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-09 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
This is to address the response from Midland Credit Management provided on XX/XX/XXXX. To reiterate, Midland Credit Management did not contact me to obtain my correct address, which was different during XX/XX/XXXX. This lack of due diligence did not provide me with an opportunity to resolve the debt before it was reported to my credit file. This has caused severe damage to my credit file and did not provide me with a fair resolution. 

As stated in the response, Please note that during our investigation of this matter, we notified the credit reporting agencies to cease reflecting the collection tradeline on your consumer credit files. Given this, please provide documentation to show that the credit reporting agencies have been notified and an expected timeframe for when the XXXX collections reported by Midland Credit Management will be removed from my credit file. 

This serves as an urgent request. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Agreed to an installment loan with " Synchrony HOME '' which included special financing terms, applied with my partner. I was never able to make a payment online, nor was I able to log-in to my account online. I never received a statement via email or regular mail. There are too many phone numbers for this company to list here and only one of them recognized my information ( even though it was all clearly on my loan application ) and allowed me to make a payment over the phone one time, I was not able to get back through to that phone number again. The Synchrony website would not provide a means to contact support via email OR phone unless I logged into my account which as I stated I was never able to do, I had to XXXX search for their phone numbers in many different ways just to get a number which could eventually reach a live human being to help me. 

Due to this process and the complete inability to access my account I was charged approximately {$500.00} interest on an installment loan which was supposed to be 0 % interest, all because it took me a week past the deadline to actually reach a real person who I could payoff the loan with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 15 U.S.C. 1681, section XXXX ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1681 c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 15 U.S.C. 1681s-2 ( A ) ( XXXX ) states : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please delete these inaccurate addresses and names on my credit report fcra states anything inappropriate incomplete or unverifiable must be corrected and I also provided proof I should have only 1 address and name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX Atl Ga 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 2024-07-09 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: CL Holdings LLC
State: SC

Complaint narrative:
Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX VERIFICATION OF DEBT REQUEST RE : Alleged debt in the amount of {$640.00} Dear XXXX, After reviewing my consumer report, I have some concerns about the validity of your reporting. 

This letter is being sent to you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( a ) and ( b ). 

I am hereby disputing this alleged debt, invoking my rights under the FDCPA, FCRA, and any other applicable state laws as well. 

Request is hereby made that Jefferson Capital Systems , LLC and XXXX provide me with clear and convincing evidence ( i.e., original contract bearing my wet ink signature ) that I have a legal obligation to pay you and or the original creditor for the amount in dispute. 

Accordingly, please provide me with a complete accounting of the alleged debt Jefferson Capital Systems , LLC claims I owe within XXXX ( XXXX ) days of your receipt of this correspondence. This proof must include and is not limited to : The original complete and signed contract proving that I have any obligation to Jefferson Capital Systems , LLC for the alleged debt obligation which is the subject matter of this dispute. 

An itemized breakdown of what Jefferson Capital Systems , LLC claims the payment is owed for. 

Explain and provide me with the method utilized to calculate the amount in dispute. 

Provide me with copies of all documents, ledgers, spreadsheets, etc., that provide evidence that I consented to pay the amount Jefferson Capital Systems , LLC I owe. 

Identify the current owner of the alleged debt. 

Identify and accurately describe any third-party costs for which Jefferson Capital Systems , LLC is charging me, and that you have included in the disputed amount along a complete itemization of all such charges. 

Provide the payment history including my signatures for all charges claimed from use of the credit instrument. Im disputing the amount shown on the consumer report. 

Provide me with an affidavit that the Statute of Limitations has not expired on this alleged debt account. 

Provide me with you and your clients proof of Good Standing under the laws of South Carolina and the Secretary of State along with information regarding your Registered Agent for Service of Process. 

Provide a statement showing the relationship Jefferson Capital Systems , LLC has with XXXX, and advise how XXXX XXXX XXXX and XXXX gained access to my private personal data without my exclusive written consent. 

Dated : XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$640.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: LA

Complaint narrative:
I am making a complaint due to XXXX, XXXX, Equifax reporting unauthorizes accounts and inquiries on my report which I don't recognize.This is against my consumer rights and at this time I feel taken advantage of. Ftc has been files and all accounts needs to be removed from my consumers report. 

Collections : XXXX XXXXt {$8000.00} account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 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: GA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX # XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 explanation
Consumer complaint received 2024-07-10 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: NC

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-07-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Spring Oaks Capital, LLC
State: PA

Complaint narrative:
I reached out to Spring Oaks Capital , LLC requesting comprehensive documentation of their legal or equitable right to a claim on my credit report. I see that Spring Oaks Capital , LLC has reported a collection account with a zero balance on behalf of another company. I am aware that the Fair Debt Collection Practices act defines a debt collector as only private people and not an agent on behalf of anyone. Due to this misrepresentation, XXXX XXXX XXXX XXXX XXXX must remove all reporting of the account on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/year>, I mailed dispute letters to both XXXX and TransUnion regarding XXXX XXXX XXXX XXXX. They neither sent me written notification of the debt nor fully validated the debt after I engaged 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 2024-07-09 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: WA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove 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 2024-07-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc.
State: FL

Complaint narrative:
In XX/XX/year>, my vehicle was totaled, and my insurance company, XXXX, issued a full payoff amount of {$9100.00} ( respectively ) to my finance institution, CarMax, on XX/XX/year>. Despite this, CarMax has not yet processed the payment, as they are currently processing payments received on XX/XX/year>, as of today, XX/XX/year>. 

I have been repeatedly contacted by CarMax collections department demanding payment. The collections persons are often rude. CarMax has informed me that I am still responsible for making monthly payments until the check is processed, but they can not confirm if they have received the check from XXXX. This situation is causing undue stress and potential harm to my credit. 

I attempted to speak with a supervisor at CarMax regarding my account to see if they would delay credit reporting and late fees due to how behind they are. However, they seemed to ignore my request and just kept repeating that I am contractually obligated to continue making payments until the check from the insurance company is posted. If the check was mailed on XX/XX/XXXX, there is no reason that it should not have posted to my account by now. It is not my fault that they are so far behind. 

I can provide proof of the insurance payment, but I never get a chance to offer it because the representatives are solely focused on collecting money or telling me that I am financially obligated to continue making payments. My insurance rep would be happy to provide any documentation required to put my account on hold. However, the representatives treat me so disrespectfully that the call often escalates, and I'm never presented with an opportunity to even ask.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I deposited a check from the Treasury department regarding my Tax refund, initially in the Capital One App it stated that the fund were going to be available in XXXX week then I received an email from XXXX stating that they will hold my check for 2 months, till XX/XX/XXXX I tried working with them so they can verify the check by suggesting that I go to the nearest Capital One branch and have them verify the check but they wouldnt even consider it. I am still in possession of the Treasury Check kept safe in case they wanted to confirm it. 
Ive also followed the instructions to email the Treasury Department to see if they can verify the check but no luck there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 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: WA

Complaint narrative:
My account with ( DEPT OF ED/XXXX XXXX XXXX ) 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 in ( MONTHS REPORTING LATE ) 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. 


( DEPT OF ED/XXXX, XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


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! 

Delete the late payments from my consumer reports

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 2024-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
This makes the 3rd attempt to resolve this is issue with no satisfactory results. I thought by requesting to closed the account would resolve the issue but I'm still getting a statement saying that I owe for charges they I didn't make. I requested that they stop reporting this on my credit report and I was told that wasn't possible and it has been reflected negative on my credit report!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I purchased a mower that cost XXXX with Home Depot store credit card with a no-interest promotional period of 24 months. 

They incorrectly set the promotional period to be 6 months and charged me deferred interest of XXXX from XX/XX/year> to 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 monetary relief
Consumer complaint received 2024-07-09 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: NJ

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I contacted the company and to remove the inaccurate information from my credit report in XX/XX/XXXX. I havent got a response back from them. The company is reporting inaccurate information regarding when my account was opened and and reporting. The company name is XXXX  XXXX  and the amount is {$1400.00} the report is stating I opened the account on XXXX XXXX which in inaccurate the account was opened in 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