vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I XXXX XXXX hereby attach documentation showing proof of a XXXX  XXXX Bankruptcy petition filed XX/XX/XXXX, and completed with disbursements XX/XX/XXXX. My husband and I successfully completed our XXXX bankruptcy and adhered to every instruction of the trustee of our case. However, several of my previous creditors that I had prior to the original filing in XXXX have maintained an ongoing record of the account in question, and in some cases passed my personal information onto debt collectors or buyers in violation of the Fair Debt Collection Practices Act. I hereby demand that any information pertaining to XXXX XXXX be purged immediately and permanently. I also request the Consumer Financial Protection Bureau to levy fines against these creditors and/or debt buyers for the violation of an American consumers constitutional rights. The transfer of my personal information while bankruptcy was either pending or discharged is a deplorable act. Accordingly, I demand that any information to past accounts be deleted on all three major credit bureaus, XXXX, XXXX, and XXXX XXXX respectfully. Please send notification to the three major credit bureaus to delete all information and purge my information permanently. 

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 2024-11-09 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: NY

Complaint narrative:
An item that has resulted from fraud which I never benefitted from still appears on my report. This is incredibly insulting and a defamation of my character, it's stressing me out knowing that my rights are being violated as a consumer. This is already reported to the Federal Trade Commission but nothing is removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 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: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
My identity was stolen online. I never authorized this account, and never signed any papers for this by hand. I have had mail stolen and things authorized without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
ACCOUNT # XXXX DATE XXXX I am writing to formally dispute an inaccurate late payment reporting on my credit file, which has been reported to Experian, XXXX XXXX and XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX I have always had a great relationship with XXXX and have managed my account responsibly. Unfortunately, due to financial hardship following the birth of XXXX XXXX, I fell behind on my payments. However, I find it deeply disappointing that XXXX would choose to report this in a manner that jeopardizes my creditworthiness and reputation. Specifically, I dispute the accuracy of the alleged late payment transactions reported to my credit reports. According to 15 U.S. Code 1681a Definitions ; rules of construction, the term " consumer report '' does not include information solely concerning transactions or experiences between the consumer and the reporting entity. Therefore, transactions and experiences with your company that fall under this exclusion should not be furnished to consumer reports. The law states under 15 U.S. Code 1681a ( c ) Exclusions : > " ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term 'consumer report ' does not include > ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; '' My transactions and experiences with XXXX XXXX are excluded from the consumer report. You have no legal right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports. Additionally, the only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments, which stipulates : > " ( 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. '' To comply with this section of the law, XXXX XXXX must provide proof that the information required under 15 USC 1637 ( b ) was mailed out or delivered to me 21 days before the payment due date. Please provide this proof, as a creditor can not legally treat a payment as late without adhering to this requirement.

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 2024-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 : 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 XXXXXXXX I looked at my Transunion credit report on XX/XX/year> 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 generally, 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 non-monetary relief
Consumer complaint received 2024-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Citibank Master Card offered a promotion of XXXX XXXX XXXX XXXX if certain spending occured in a certain periosd of time. This was achieved. When I did not recieve the miles for the promotion, they are now saying that I dont qualify due to having the card in the previous 48 mos. At that point, asked them to refund my annual fee ( {$590.00} ) and they are refusing. They are telling me I should have read the fine print on the offer, however this was nnever explained to me and I have no value from this card now, however they have my annual fee payment and refuse to reimburse me.This money is a lot to lose for my family and I Also, this is deceptive and I would like to recieve immediate assistance. 

Thank you, 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 2024-11-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: WI

Complaint narrative:
This company is reporting an account to my credit which I have no idea who they are or where this account is from - I talked to the company and let them know of this and no one acts like they want to assist me- I am disappointed!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: IN

Complaint narrative:
Chime closed my account while I had an active dispute for a refund. The refund was deposited into my account and I received the email verifying it. However when I called chime they gave me almost no information whatsoever as to why I can't access my funds and they told me I would receive a paper check which I haven't

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
There was a credit inquiry/hard pull with XXXX XXXX XXXX XXXX XXXXXX/XX/year> I never inquired with that 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 explanation
Consumer complaint received 2024-11-09 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: NY

Complaint narrative:
An item that has resulted from fraud which I never benefitted from still appears on my report. This is incredibly insulting and a defamation of my character, it's stressing me out knowing that my rights are being violated as a consumer. This is already reported to the Federal Trade Commission but nothing is 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 2024-11-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I reached out to the company in match in regards to a fraud account being opened on my Behalf and the company was no help they did not remove anything

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To Credit bureaus Re : Dispute of Collections Account # [ XXXX Dear Sir/Madam, I am writing to formally dispute the collections account listed on my credit report under the account number referenced above ( Diversified Adjustment, date opened : XX/XX/year> {$1400.00} ). Under 15 U.S. Code 1681i, I have the right to dispute any information on my credit report that I believe to be inaccurate, incomplete, or unverifiable.

I demand that you conduct a full investigation of this account in compliance with Section 1681i ( a ), which requires that the information be verified, corrected, or deleted if it can not be substantiated. As per Section 1681s-2, it is also the responsibility of the furnisher of information to ensure the accuracy of the data they are providing to the credit bureaus. 

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), a collections account must be fully validated with supporting documentation from the original creditor. If such validation can not be provided, this account must be removed from my credit report immediately. 

I expect this matter to be resolved within 30 days as required by law, and I look forward to your timely response. 

Thank you for your attention to this urgent matter. 

Sincerely, 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 2024-11-09 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: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I was reviewing my credit report and I noticed that my student loan records were showing on the consumer report. I know that there shouldnt be ANY record of reporting listed on my consumer report because I didnt consent to have the records disclosed. The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school per 20 U.S.C. 1232g ( b ) and they released the information without my consent for them to report them. my credit score is damaged due to improper credit reporting XXXX XXXX XXXX Account # XXXX birthday XXXX SSN # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
An item that has resulted from fraud which I never benefitted from still appears on my report. This is incredibly insulting and a defamation of my character, it's stressing me out knowing that my rights are being violated as a consumer. This is already reported to the Federal Trade Commission but nothing is 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 explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: WA

Complaint narrative:
On XX/XX/year> {$290.00} was sent for XXXX XXXX XXXX XXXX via Zelle. I reached out to XXXX again for XXXX XXXX XXXXs she advertised on XXXX page XXXX, funds totally XXXX was sent to XXXX and no services was rendered. That's when she make me someone else card information and name, red flag when up and when I asked her she told me, she thought I knew she was dealing with stolen identity financial information and that's how transactions was being made. 

When I reached out to XXXX and requested that funding be returned due to fraud, they mentioned that it was nothing they could do. Transaction was final. Hotel that I stayed at later contacted me and informed me that card that was used in XXXX to book my hotel stay, transaction was being disputed due to stolen identity. 

XXXX is still online advertising half-off prices on purchase using stolen identity and training other now to do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Lendmark Financial Services
State: GA

Complaint narrative:
ACCOUNT # XXXX DATE XXXX I am writing to formally dispute an inaccurate late payment reporting on my credit file, which has been reported to XXXX, XXXX XXXX and XXXX by Lendmark Financial Services . I have always had a great relationship with Lendmark and have managed my account responsibly. Unfortunately, due to financial hardship following the birth of XXXX XXXX I fell behind on my payments. However, I find it deeply disappointing that Lendmark would choose to report this in a manner that jeopardizes my creditworthiness and reputation. Specifically, I dispute the accuracy of the alleged late payment transactions reported to my credit reports. According to 15 U.S. Code 1681a Definitions ; rules of construction, the term " consumer report '' does not include information solely concerning transactions or experiences between the consumer and the reporting entity. Therefore, transactions and experiences with your company that fall under this exclusion should not be furnished to consumer reports. The law states under 15 U.S. Code 1681a ( c ) Exclusions : > " ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term 'consumer report ' does not include > ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; '' My transactions and experiences with Lendmark Financial are excluded from the consumer report. You have no legal right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports. Additionally, the only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments, which stipulates : > " ( 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. '' To comply with this section of the law, Lendmark Financial must provide proof that the information required under 15 USC 1637 ( b ) was mailed out or delivered to me 21 days before the payment due date. Please provide this proof, as a creditor can not legally treat a payment as late without adhering to this requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
I had overdraft protection fees and atm fees from XXXXXXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: DISCOVER BANK
State: MO

Complaint narrative:
In XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX bankruptcy and included the Discover personal loan that had a balance of approximately {$9000.00}. This was a consolidation loan I took out years before and was in good standing. The bankruptcy was dismissed in XX/XX/year>. 

I had not heard from anyone from this company and saw on one credit report this loan balance was closed, charged off. 
Last week I applied for a loa and learned this loan was closed, charged off but had also showed open. The loan office said just follow up with the number listed on XXXX ( only there ) and clarify the bankruptcy, charged off, etc. I called the number listed on the credit report and was advised that this loan had been sent to " XXXX '' agency and they were handling it. Discover loan staff said they weren't aware of the bankruptcy and advised me to share that with XXXX. 
I have contacted the number from XXXX approximately 11 times and am transferred at least 3 times each call to someone and on hold for extended periods of time. XXXX has limited hours and nothing outside of the normal business day hours. 
I was also told XXXX was not aware of the bankruptcy and requested I send the bankruptcy paperwork to them per email address and have my bankruptcy attorney contact them. I did send the information as requested, then followed up via email only to get a bounce back email saying my email address had been blocked. I called Discover number listed on the XXXX Credit Report back and explained what happened and that it was difficult to connect with the XXXX team related to limited hours and blocked email. I was told that was my only option and keep trying. I called XXXX again over my lunch and was again transferred 3 times/on hold for 14 minutes with no information provided as to how to resolve this. 
I did notify my bankruptcy attorney and they did provide the documentation to show Discover was notified of the bankruptcy. 
The loan is closed, charged off and there is no way to contact anyone, no resolution option or anyone available to talk to from this XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: EQUIFAX, INC.
State: NY

Complaint narrative:
These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted the bureau and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.

Company response to consumer: Closed with explanation