vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Finance System of Richmond, Inc.
State: NH

Complaint narrative:
I usually do not answer calls to XXXX area code numbers. Due to scamers usually using telephone numbers starting with XXXX. But decided to answer the call one day, & was told they have an important message for me. So I decided listened, & they stated I owe a debt. As of today I do not owe any debt of any kind. And when I had asked for proof of said debt, they refused to provide me, with the proof of said debt. So I told them that, until they could provide me with the proof. Of said debt that I supposedly owe. I'm not giving them any information, or money. Nor am I confirming my identity with them, & I will no longer answer their phone calls. Now they are starting to harass me daily. Calling me everyday, up to XXXX times per day. As early as XXXX, & even past XXXX some nights, with calling me as late as XXXX. I have put the numbers on my phone 's block number option. But that just sends them straight to voicemail, everytime they call. Which they fill my voicemail box up to where no other voicemails, can be left. And I have to spend XXXX mins each day, deleting messages from my inbox daily. It's becoming to be a nuisance now. Please do something about this. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Knight Adjustment Bureau
State: IN

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : Knight Adjustment Bureau Address : Account number : Your NAME : XXXX XXXX Your address : XXXX XXXX, XXXX, IN XXXX Dear Knight Adjustment Bureau I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 



In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other XXXX I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services
State: NY

Complaint narrative:
My private student loan has been completely paid off through XXXX XXXX. EDFinancial has picked up the loan and is claiming that I owe them the entire amount, which never existed through them or federally. I have filed a complaint with them which should have receieved a response by XX/XX/XXXX but has been ignored. I do not owe them any money as I do not have any federal loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

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 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration 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 non-monetary relief
Consumer complaint received 2024-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Upon reviewing my latest credit report, I identified multiple accounts that appear to be inaccurate and were added without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
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. 

XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, has violated my rights. 

15 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 an 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 2024-09-20 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have XXXX active retailer credit cards issued through Synchrony Bank, Crate & Barrel and TJMaxx. 

I have switched at times from paperless billing to paper billing to better keep track of bills. I noticed today after going online to research my payments, that the bank is charging {$1.00} a month for paper statements for all balances over {$2.00}. Ironically, copies of my statements are only available for XXXX and XX/XX/XXXX. It states " Missing statements may be due to a lack of activity or changes in your Paperless Statement enrollment status ''. I can't tell if they only post on line the statements if you receive them electronically or hard copy. 

I'm not sure how this was ever disclosed to cardholders. I surely do not remember receiving any information. 

The TJMaxx first charged {$1.00} on XX/XX/XXXX for paper billing. I have not received any charges for paper billing on the Crate & Barrel card even though I have received some paper bills.

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 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NM

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 2024-09-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Comenity Bank took over my account from XXXX XXXX. After I paid off the balance they continued to charge me extremely high late fees even though my original balance was paid. When I contacted the company they told me since I mailed in the bill rather than paying on line that it took three weeks for my payment to be received. This in turn made my payments late, this has now happened on several occasions since paying off the balance in XXXX. The mail is only going from NY to Texas this does not take three weeks. So coincidently my last payment was 1 day late Due on XXXX received on XXXX. This happened more than once, So even though my was paid off twice they continued to charge me a late fee of over {$40.00} each time. Strange to me that they credited my account the day after the due date even though it was mailed way in advance. This month 's bill for instance I received on XX/XX/XXXX. So even if I sent it out that day there is a good chance they would mark it as late.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-20 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: SC

Complaint narrative:
When I disputed the credit card information that was re-added to my account with Equifax, they supposedly did an investigation. If they did do a proper investigation, they would have found that the credit card is not in my name, and that I have never spent a dime using that card. When I disputed it a while back, I provided them with a letter from the credit card company verifying that it wasn't mine and they removed it. So, I'm not understanding why it has been added back on my credit report? 

The card belongs to my ex.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I just recently looked at my credit report today XX/XX/year>. I saw some late payments on this account XXXX XXXX XXXX XXXX They were supposed to be on time. Me and the creditor talked about " I wouldnt be marked late '' because I had things going on not because of the pandemic. I sent a letter to Trans Union to get this fixed but they still said everything is reporting correctly. But its not. Can you help with this situation. Thank you.

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 2024-09-20 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I used my personal BestBuy card to purchase XXXX XXXX & gave XXXX  the bill, she had set it up on autopay, and chose paperless statements, which I never knew that no statement was coming, so I never saw a stmt, I had XXXX XXXX XXXX  XXXX months ago, but saw that this credit card was autopaid each month, so I was letting autopay each month pay down the balance. Today I was turned down for my mortgage because of an over {$5000.00} XXXX on this card just posted and killed my utilization and credit score. Last month my balance was {$2400.00}, and I haven't gone into this store in years. I called BestBuy, I was on phone from dept to dept for hourse trying to find someone that could help inform me why my balance doubled in one month. First girl didn '' t speak XXXX understandably. then transferred, manager was rude and rushing me through the whole phone call, then transferred me to citibank credit cards. BestBuy informed me that since I failed to pay entire balance by end of promo period, deferred interest was added to account. They added $ XXXX in interest on my {$2400.00} balance, after I have paid $ XXXX for over 2 years! Which means a TV I have no memory of buying cost me over {$6000.00} for a {$2200.00} TV! I never got a statement, never knew it was set on paperless, I never knew about a promo period of deferred interest, nor did I agree to it! The Store tells me now that " I had to have chosen promo period '' at the time of checkout, but I DID NOT! Their salesman could have done that! I knew nothing about it! I am XXXX XXXX XXXX, on social security, and they just destroyed my chance to re-finance my mortgage because of charging me a {$2100.00} interest charge on purchase I have been making monthly payments on for two years. They swear it was me who purchased, and had delivered to my house, when I asked what address it was delivered, they told me they don ; 't have that info. I begged them to extend the Promo period and allow me to pay the balance in full, CitiBank informed me it was too late! They just broken record me over and over that once the period ends, its too late to do anything! How can this be legal? When I finally was able to see a statement, the warning this huge deferred interest charge would post if not paid in full is so small, I never would have ever seen it anyway, even if I had been getting statements! This is so unfair! I feel robbed!! Having an over {$5000.00} balance reported to the bureaus also kills my credit score! This is extortion! Now, I can't get my mortgage refinanced unless I pay this over {$5000.00}!!

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 2024-09-20 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: TX

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with confirmation of these corrections. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 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: TX

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with confirmation of these corrections. 

Thank you for your prompt attention to 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 2024-09-20 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: FL

Complaint narrative:
I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing.

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 2024-09-20 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: IL

Complaint narrative:
This inquiry was made without my consent, and I did not engage with this lender on the given date.

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 2024-09-20 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: MO

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-09-20 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: NY

Complaint narrative:
i've recently recieved a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXXXXXX In accordance with the law, my rights have been violated. Late payment reports to your consumer report is illegal. In 15 U.S.C. 1681a : Definitions and Rules of Construction ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681 5 3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transactions are not included in the report and the request to is to remove late payments from account # XXXX, # XXXX, and # XXXX in addition there are huge payment discrepancies between the XXXX consumer reporting agencies.

Company response to consumer: Closed with non-monetary relief