vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC
State: NY

Complaint narrative:
Receivables Performance placed a collection account on my credit bureau reports for a bill from XXXX XXXX. This was for an XXXX I purchased from XXXX XXXX. I returned the phone and cancelled the service within the 14 day return period. I have a receipt for the returned phone. I contacted XXXX XXXX several times and was assured the issue was taken care of. However, I continued to received bills. Then on XX/XX/23, this collection account showed up on my credit reports. I contacted Receivables Performance to dispute the charge and was advised to email them my receipt for the returned phone, and I was advised it would take 48 hours for them to review and correct this. On XX/XX/23, I emailed the receipt to : XXXX. I received no response within the promised 2 day timeframe. On XX/XX/23, I called Receivables Performance and spoke to an individual in the " Escalations Department '' who advised he was was unwilling to search through the " hundreds '' of emails they receive, and moreover, that there was nothing they could do about it. Instead, he attempted to get me to pay. I am NOT interested in paying for an item I returned. The reference number given by Receivables Performance is 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 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the fair credit reporting act convergent account XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602A. 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

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 2023-04-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: TN

Complaint narrative:
I have a loan through Firstmark Services. The monthly repayment is {$490.00}. I can not afford this monthly payment due to my financial situation. I am unable to refinance the loan because I do not have a cosigner and my debt to income ratio is too high DUE to my student loans. 

I reached out to the lender and they said they do not offer any flexible loan repayments, income driven repayment, etc. and the only option I have is to pay the $ XXXX. 


I am wanting to refinance the loan to receive a lower monthly payment or be put on an income driven plan but Firstmark won't work with me or even offer any other options. 

I am a XXXX XXXX XXXX and qualify for the PSLF loan through the Federal loan program as well as the income driven repayment plan.

I would like to report Firstmark for not offering ANY options when it comes to repayment and making it impossible for people with student loans to afford to live and pay back their loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Dear Creditor, I am writing to dispute the validity of a debt that is listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), I have the right to request that you provide me with validation of this debt. 

Under the FCRA, creditors are required to report accurate information about a consumer 's credit history. Inaccurate information, such as the reporting of a debt that is not mine, is a violation of my rights under the FCRA. 

I demand that you take immediate action to investigate the accuracy of this debt and provide me with validation of the debt. Failure to do so will result in legal action to enforce my rights under the FCRA. 

Furthermore, I demand that you remove any negative information related to this debt from my credit report until the debt has been validated as accurate. Failure to do so will also be a violation of my rights under the FCRA. 

I look forward to your prompt response to this matter. Please note that I expect a written response within 30 days, as required by law. 

Sincerely, XXXX XXXX

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 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, 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: FL

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 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 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, 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:
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 2023-04-19 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: CA

Complaint narrative:
I have reached to this company multiple times advising them that a debt they charged off doesn't belong to me. I also asked the credit bureau to investigate they didnt show me any results, they basically cited verified I asked for a copy of the investigation report and I didnt receive one, they also gave me an update within 3 days how can you investigate that fast without proper verification. I asked for the following detail 1. Please provide me with a copy of a signed contract 2. Pay off disclosure 3. Interest rate disclosure 4. Date opened 5. Balance history 6. Payment history 7. Date of last payment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I have reached to this company multiple times advising them that a debt they charged off doesn't belong to me. I also asked the credit bureau to investigate they didnt show me any results, they basically cited verified I asked for a copy of the investigation report and I didnt receive one, they also gave me an update within 3 days how can you investigate that fast without proper verification. I asked for the following detail 1. Please provide me with a copy of a signed contract 2. Pay off disclosure 3. Interest rate disclosure 4. Date opened 5. Balance history 6. Payment history 7. Date of last payment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Synchrony Bank monitors TJ Maxx card. I have had this account for years and I do not use the card if you can see the minimum payment is {$30.00} and I have been paying {$60.00} all the time and my balance is NOT going down any!! They lowered my credit limit, it was much higher when I opened the account over 7 yrs ago, It should not take that long to pay off an account. Synchrony cheaps people and they need to be exploited for their poor practices to American people {$790.00} * Current Balance VIEW ACTIVITY {$360.00} * Available to Spend {$1100.00} Limit REQUEST MORE Paperless Statements- ON Text and Email Alerts- ON Additional Authorized Users - 0 PAYMENTS {$30.00} Minimum Payment Due VIEW PAYMENTS 13 days Monthly Due Date XXXX Account ending in XXXX Minimum Payment Due {$30.00} 13 days Monthly Due Date XX/XX/2023 remind me Last payment XX/XX/2023 {$60.00}

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 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am not liable for this collection on showing on my credit report. I am a victim of identity theft and need this collection REMOVED. I never paid on this collection because I didnt recognize this account. I have no knowledge of this account. Please remove immediately. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Original Creditor : XXXX XXXX Amount : {$980.00}

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 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Debt collection agency has been violating my rights per to the FDCPA section 809 ( b ) by not validating my debt and still are reporting derogatory information to the credit bureaus as well as taking legal action against me. I have no knowledge about this debt and never signed anything with this company. Debt collection agency showed a signature to a document that was presented to a judge that I have NO KNOWLEDE of signing. I will be taking further action by filing a complaint with the XXXX XXXX XXXX as well as taking this up with the Attorney General Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PREFERRED CREDIT INC
State: CO

Complaint narrative:
I am a military service member Ive XXXX a number of times it is only now that I am trying to pcs that Ive discovered fraudulent accounts opened in my name that I did not consent or authorize. This is a defamation to my character. Considering credit is all I have to my name. Companies have contacted me threatening to seize my assets and kick me out of the military due to something I am completely unaware happened. This in breach of the law 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have a new vehicle and all my paperwork has only the dealership name on it. When I asked the company that calls everyday to send any paperwork that states that I have a contract with them they repossess my car off of private property and signs are posted stating private property.

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 2023-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: GA

Complaint narrative:
I have filed over 5 disputes regarding the same transactions since XXXX. Each time the claim was denied, I asked for the documents used to make their decision and have yet to receive anything. I paid for a vacation package with XXXX XXXX for over 2 years. The event was to take place on XX/XX/XXXX but was abruptly cancelled on XXXX XXXX via email. XXXX XXXX never answered the Customer Service number. Took over a month to get any response from them via email. Even though they offered a Refund, they stated that if a claim had been filed with your bank that they were no longer responsible. The reason for my claim was for Services/Product that was paid for but not rendered. The dates of the transactions are as followed : XX/XX/XXXX - {$410.00} XX/XX/XXXX - {$220.00} After submitting all evidence, including the bankruptcy filing, they have denied my claim yet again stating that no error has occurred. Most if not all claims were denied within a 24-48 hour timeframe. Which signifies that a thorough investigation couldn't have possibly been done.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Incorrect information on credit 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 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Incorrect information on credit 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 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Some companies are reporting me as late even though I was never late! It's making my head hurt so please look at the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: DC

Complaint narrative:
On XX/XX/XXXX I received a call from Collections Agent ( XXXX XXXX ) at National Credit Systems Inc. He stated he was calling in attempt to collect a debt on behalf of their Client/ Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) in the amount of {$370.00} and would I like to take care of payment today. 

I kindly informed that I decline to pay this debt as I never live at the XXXX XXXX XXXX XXXX XXXX., However, in XXXX of XXXX I did submit a rental application in which I paid a {$300.00} application fee that was later refunded back to me via my bank ( XXXX XXXX  ) on XX/XX/XXXX ( please attachments ) after submitting a dispute case on XX/XX/XXXX ( please see attachments ) through my bank XXXX XXXX XXXX ) due to miss information not properly disclosed during my application submission with them. I gave XXXX XXXX the case number ( Claim # XXXX ) for him to take back to his client so their client could provide them a copy of the dispute transcripts with my bank ( XXXX XXXX ) showing that they agreed to refund me back the {$300.00} ( in which they did ), and the case was closed on XX/XX/XXXX ( please see attachments ). 

I also requested for XXXX XXXX to kindly submit to me a debt validation ( in which he did, please see attachments ). And as you can see the statement National Credit Systems submitted to me from their client XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows a completely {$0.00} balance. XXXX XXXX stated he would reach out to their client to get clarification and would be in touch. From that day I never heard back from him or National Credit Systems Inc. via by phone, mail or email. 

So today, I was shocked when I receive an urgent email from my credit monitoring service that a collections account is being reported from National Credit Systems for {$370.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Your response to CFPB Complaint ID : XXXX included instructions to call XXXX at XXXX, extension XXXX. I have called multiple times during the hours that she indicates she is available. I left messages asking her to call me back. 

We can not access our account and have been unable to do so for over a year. You refuse to engage us in any substantive conversation and your customer service is not trained to handle a situation like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
Dear Debt Collector, I am writing to request that you provide validation of the alleged debt associated with my account as soon as possible. I request that you provide me with the original bill of assignment, as well as the full bill of records related to this debt. 

I am making this request pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA requires that a debt collector provide me with proof that they own the debt and that the amount they are attempting to collect is accurate. Without these documents, I am unable to determine the validity of the debt. 

Furthermore, I would like to remind you that as a consumer, I have the right to request and receive verification of the debt in question under the Fair Credit Reporting Act ( FCRA ). This request is made with the understanding that failure to provide this verification will result in a violation of my rights under both the FDCPA and the FCRA. 

I demand that you provide me with the requested documentation within the next 30 days. If you are unable to do so, I request that you cease all attempts to collect on this debt and remove all negative information from my credit report related to this debt. 

I look forward to your prompt response to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation