vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-22 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: CA

Complaint narrative:
My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as XXXX XXXX compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX  - Account Number:XXXX XXXX - Account NumberXXXX Please remove it from my credit report. 

XXXX XXXX  - Account Number:XXXX  Please Update all payments, all pay was made on time. 

XXXX XXXX - Account NumberXXXX THIS CONTRACT IS CANCELED XXXX XXXXXXXX - Account XXXX have not supplied proof under the doctrine of estoppel by silence Engelhardtv v. Graven ( MO ) XXXX XXXX XXXX XXXX XXXX my presume that no proof of the alleged debt nor therefore any such debt in fact exists.

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 2024-02-22 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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 2024-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I noticed in XXXX of XXXX that the 2 payments for XXXX and one for XXXX that I made did not credit my account. The payments were taken from my bank account. I made many calls to the creditor and each time I would need to explain the issue with someone different and each time they would have issues bring up my account. Once in my account they could see the payments were made and would send the issue to the dispute team. 

On XX/XX/XXXX I called in and spoke to a new representative and explained the issues for probably the 10th time. I made a payment then over the phone that came out of my bank account but wasn't credited to my account once again ... Conformation number XXXX. 
The delinquent charges and the fees are piling up. Now I am unable to email them through the site and I have not received any calls about reconciling the issues. 

Other creditors are able to see the delinquent charges. which is hurting my credit score. 

As of my last email on XX/XX/XXXX I am no longer able to even get on the site to send an email. I contacted my attorney to whom gave me your site in hope to reconcile this problem. 

I am attaching all the information and emails with the correspondence I've received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-22 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 non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Dates beginning middle of XX/XX/XXXX and then XX/XX/XXXX and XX/XX/XXXX I keep receiving calls from a Synchrony Bank ( robo call ) stating to call them at phoneXXXX I do not owe a debt. I do not have a credit card with them. I called them and was transferred to another number. I then talked with a man and stated I do not owe a debt. He said he would stop calling. But the calls keep coming. I have not received anything in writing stating I owe a debt ( because I don't ). I believe they are trying to scam me. I am a XXXXXXXX XXXX senior citizen. They called my before XXXX eastern time- about XXXX every time. Years ago I had a credit card with XXXX serviced by/under Synchrony Bank but do not now and all credit card bills were paid off. I do not appreciate them continuing to call me especially since I am in mourning about the passing of my older brother ( I was not the executor of his estate. ) I checked the internet and their number comes up as an online bank that scams people. Several people have had the same experience as I am having now ( robo calls then being transferred to another call, claims of owing money on a nonexistent credit card, etc. ) Please make them stop calling me. Thank-you very much for your assistance in this matter.

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 2024-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson Capital just appeared in my credit report this morning XXXX XXXX Stating I owe XXXX for a debt of XXXX. 
I dont even contract with XXXX XXXX I have XXXX XXXX and have never contracted with XXXX EVER! I have never ever contracted with XXXX. Under the Section 809 of the Fair Debt Collection Practices Act this Jefferson Capital company is violating my rights. Claiming to have bought a debit account that I have never ever contacted with nor do they have any contract with me. They do not permission to report this lie to my credit report. 
Plus I read In XX/XX/XXXX of XXXX  that they claimed I opened an account with XXXX! That is a bold face lie. I have been with XXXX XXXX for several years now! How can they claim a lie like this! Its a violation. And they are committing fraudulent reporting of a debt that isnt mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The following account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
* Account name : XXXX XXXX XXXX XXXX XXXX XXXX * Account number : XXXX, all have violated my rights. 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 2024-02-22 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: FL

Complaint narrative:
I did not initiate these accounts, and I strongly suspect them to be fraudulent. I kindly request that you thoroughly investigate and promptly remove them from my credit report. I have provided supporting documentation to substantiate my claim

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 2024-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV FUNDING LLC XXXX I'm unaware of this debt and did not receive proper notification, so I did not have the opportunity to dispute. If you believe proper notification was provided, please the provide the Certified Mail with Receipt with my signature. Otherwise, please DELETE off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: MOHELA
State: GA

Complaint narrative:
Many years ago, I was on IBR for all of my loans. When I rectified and my payment was {$0.00}, for some reason, the IBR wasn't applied to all loans so 1 erroneously went into default. That year, I got my tax refund garnished and the money was sent to that student loan. I contested it with the IRS and they agreed that it shouldn't have been garnished and sent me the money back after it was already applied to the loan. The loan servicer instead of increasing the balance for what they returned to the IRS created an entirely new loan for what they sent back. This really, really screwed my PSLF. At the time they did that, I was coming close to XXXX PSLF payments and loan forgiveness. All of my loans did get forgiven except the newly created one ( that they never ever should have 1 ) garnished and 2 ) created a new loan for .... it was on an existing loan that they should have just reversed the payment from the IRS not started a new loan! ) That has to be illegal. Anyways, because they started a new loan instead of just reversing the payment, it lost all the history. I want my history applied to that ridiculously newly created loan that they never had my authorization to do nor create so that is can get forgiven with PSLF since I am eligible. They should have just reversed the payment ( that they never should have taken ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: DE

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely. 
accounts include XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2024-02-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
I have requested from Moheal on XX/XX/XXXX to have my renewal date pushed back a year since it falls within the XXXX months of the covid pause ending. It should be pushed to XX/XX/XXXX. Mohela has stated they could not do that and it's XXXX who sets the XXXX anniversary date. This has caused me to submit an XXXX early which was not needed causing a delay in my payments, causing my payments to increase XXXX times the payments. They refuse to push the date back following XXXX website. This is literally not following XXXX guidance and causing multiple errors on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: CA

Complaint narrative:
My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as XXXX XXXX compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX XXXX - Account XXXX This account should not be reported as a charge-off, I paid this on time. Please provide evidence that my rights have not been abrogated on this report. In the event that no record exists, please delete this damaging account information. 

XXXX XXXX - Account Number:XXXX Experian is reporting all charged off but XXXX reports all good payments. Also, charged off the account but it still has a balance. You need to remove this inaccurate report immediately! 

XXXX XXXX XXXX  XXXX - Account Number:5XXXX  Please remove inaccurate reported late payments and update to paid as agreed

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 2024-02-22 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: OH

Complaint narrative:
I submitted a complaint to the bureaus and they haven't responded on it, it's been more than XXXX days. They just ignore my disputes and I'm not happy about that, cause it's affecting my name, personal life. PLEASE HELP!

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 2024-02-22 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: Experian Information Solutions 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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I had to leave overseas which caused my account to become negative and so was unable to deposit money on time. I also was not notified via text of negative amount and so received over {$150.00} in overdraft and late fees and so they gave me back only 1 and after fighting for an hour they gave me back another {$20.00}. That is inexcusable I left due to a XXXX emergency overseas for my XXXX XXXX  and came back to two accounts in negative and them not being able to help and saying it was my fault basically.

Company response to consumer: Closed with monetary relief