vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-10 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: NJ

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 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 XXXXXX/XX/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 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 2024-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
CAPITAL ONE BANK HAS A VERY HIGH INTEREST RATE. THEY HAVE A VERY HIGH LATE PAYMENT FINES. THEY ARE A SCAM FOR THE COSTOMERS WHO NEED A CCREDIT CARD. I FELT CHEATED, HELPLESS FOR NOT GET HELP SOLUTIONS ON TIME AND THEY DAMAGED MY CREDIT BY RUNING A SCAM.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 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: AL

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 XXXX5 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 explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
Mortgage was sold to Mr. Cooper several years ago. Payments have always been made on time via automatic payments with no prior issue. Bank account that was registered with autopay was hacked and as a result the XX/XX/XXXX payment was auto-reversed and a {$20.00} XXXX  was charged. Payment was resubmitted successfully and auto-payment information was changed to new bank account number. Requested fee reversal due to circumstances and was told by customer service agent that by policy fees can not be reversed. Requested escalation / callback and was told this was not an option and could not speak to anyone else regarding the issue. Customer is on a limited retirement income but has never been delinquent. No good will or other options - poor customer service and no choice from customer who they deal with given the mortgage was sold was XXXX XXXX  where it was originally opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX XXXX  Date of Inquiry XX/XX/year>, XXXX XXXX  Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year> XXXX XXXXXXXX Date of Inquiry XX/XX/year>

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 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of Inquiry XX/XX/2024, XXXX  Date of Inquiry XX/XX/2024, XXXX Date of Inquiry XX/XX/2024, XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXX Date of Inquiry XX/XX/2024, XXXX  Date of Inquiry XX/XX/2024, XXXX Date of Inquiry XX/XX/202XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/2024

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Conn's, Inc.
State: TX

Complaint narrative:
On XXXX XX/XX/year> I purchased a couch set for XXXX plus tax. I got discount for the floor model on the loveseat. I paid XXXX dollars for the delivery fee. I requested interest free store credit. I was told it was 24 months interest free and I got approved for XXXX credit. The salesperson asked what front I wanted for my signature to sign the credit documents. He said I would get a email with the document plus my receipt within XXXX hours. The salesperson said I would get my delivery the next day. Next day no receipt or loan documents plus no couch. I called several times regarding the receipt and loan documents but no answer. I finally got a call about the delivery from the warehouse. They discounted the mess up because it was not put in the system for delivery. I get a payment book in the mail for cost is now over XXXX dollars. 

I called and finally reached someone. I was told theyre going out of business and nobody is going to fix anything because theyre liquidation store. My concern is someone signed my loan documents which is illegal. Now Im being overcharged. I finally get another email about credit protection I signed up for which I didnt sign anything. 

Now my other concern they announced few days after I got my couch theyre going out of business and now both my couch and love seat was sold as is. Meaning if I have any issues with the store warranty. 

The company is XXXX XXXXXXXX XXXX XXXXXXXX Texas

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Monterey Financial Services LLC
State: IL

Complaint narrative:
Monterrey Financial, through its representative, XXXX XXXX, reported negative information to credit bureaus. This information was reported despite the fact that on XX/XX/24 she told me her investigation of my dispute was not complete and that she would notify me when it was complete. On XX/XX/24 I was notified that she had reported me to the credit bureau as owing the debt without any indication that there was an incomplete investigation on her part. On XX/XX/24, I received an additional report of a bad credit history being reported. This preemptive action when the investigation is not even complete and I have been told was still pending is violative of the Fair Credit Act in multiple ways. It is an obvious attempt to coerce payment of a debt that is not due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 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: AZ

Complaint narrative:
I had an auto loan with XXXX XXXX XXXX XXXX that was paid off in full in XXXX of 2023 A late fee that was supposed to be reversed was erroneously carried over into the balance after payment in full. 

A second late fee was then applied due to this mistake on XXXX XXXX XXXX behalf. 

After I discussed this issue with XXXX XXXX XXXX, both fees were successfully reversed by XXXX  ( as documented above in my statement ) and the loan was considered to be closed without additional payment on my behalf. 

I had called XXXX XXXX XXXX and discussed this adverse report. Since the account is already paid in full and close, they had explicitly told me to file a dispute with the credit bureaus as this was erroneously reported as an adverse event. I had asked them to make a notation in my account regarding this discussion. 

To clarify, this adverse credit report was due to an error made by XXXX XXXX XXXX. There were no additional payments required or made by me after my final XX/XX/year> payment. 

I had filed a dispute with Experian regarding this adverse credit report, but they had resolved the case as " Remains '' despite not asking for additional information. 

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 2024-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I went in to pay off a Syncrony loan as of XXXX XXXX ( best I can tell ) the loan was through Lowes which I did not sign up with. That balance was {$2200.00} It defaulted from Lowes to a Syncrony acct ending in XXXX. I have no other acct # as you do not get a statement from them. Just a late notice by text. So I thought it was paid off. At that time I paid 3 others ( lowes via Syncrony ) off. 
The other payoffs went through. On XX/XX/year> I got a text saying it was past due. So I called and paid it off with an agent. I asked her to look and see that it was set for payoff same day as the others. She of course could not tell. So I asked for a removal of the {$25.00} late fee. Refused to do it even though it was obviously a elec issue on their system 's end. 
They refused & offered no excuse that it could be their system because no one else complained. 
It is not just my {$25.00} but can you imagine how many others get bilked because of the time it takes to complain.

Syncrony is getting away with this because of their lack of systems being efficient!

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 2024-08-10 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: OH

Complaint narrative:
I am a victim of identity theft and my credit report has inaccurate infomation, accounts I never authorized and inquires I never authorized

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 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: IN

Complaint narrative:
FCRA Viloations not mine not my credit cards XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$6300.00} Status Account charged off. {$6300.00} written off. {$6300.00} past due as of XX/XX/XXXX. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$2200.00} Status Account charged off. {$2000.00} written off. {$2200.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. 
XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1700.00} Status Account charged off. {$1700.00} written off. {$1700.00} past due as of XX/XX/XXXX. 
not my addresses XXXX XXXX XXXX XXXX XXXX, IN XXXX Resident type XXXX  family XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX type XXXX  family XXXX XXXXXXXX XXXX XXXX  XXXX, TX XXXX Resident type XXXX family not my phone numbers XXXX not my names XXXX XXXX XXXX XXXX XXXX not my Inquiries XXXX XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX On record until XXXX XXXX XXXX  XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 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: IN

Complaint narrative:
FCRA Viloations not mine not my credit cards XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$6300.00} Status Account charged off. {$6300.00} written off. {$6300.00} past due as of XX/XX/XXXX. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$2200.00} Status Account charged off. {$2000.00} written off. {$2200.00} past due as of XX/XX/XXXX. 
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. 
XXXX  XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1700.00} Status Account charged off. {$1700.00} written off. {$1700.00} past due as of XX/XX/XXXX. 
not my addresses XXXX XXXX XXXX XXXX XXXX, IN XXXX Resident type XXXX  family XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX type XXXX  family XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX type XXXX family not my phone numbers XXXX not my names XXXX XXXX XXXX XXXX XXXX not my Inquiries XXXX XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX On record until XXXX XXXX XXXX  XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XX/XX/year>, I ordered a table from XXXX XXXX that was advertised as ready to ship. After three weeks with no shipment, I contacted XXXX XXXX, and they informed me that it would be several months before the table would be available. I decided to cancel my order and notified XXXX, through XXXX XXXX, about the cancellation. XXXX instructed me to wait for XXXX XXXX to process the refund. 

At the end of XXXX, I received an email from XXXX XXXX confirming the cancellation and stating that I would be refunded within XXXX business days. However, the refund did not arrive. I then opened a dispute on the XXXX XXXX app, but continued to receive non-payment notifications. When I called XXXX, they suggested opening a dispute but consistently failed to follow through. Despite my efforts to resolve the issue, including forwarding over 15 emails from XXXX XXXX, XXXX claimed they did not receive these emails and suggested I reach out to XXXX XXXX directly. 

Throughout this process, I was advised to continue making payments to avoid affecting my credit score. However, despite my clear communication that I wanted to resolve the issue and avoid credit damage, XXXX did not formally open a dispute. Consequently, they reported the issue to the credit bureaus, which severely impacted my credit score. 

This unresolved situation has placed an undue financial burden on me, hindering my ability to secure a mortgage at a reasonable rate. After exhausting all efforts to resolve the matter, I eventually paid the total amount. I have since filed a complaint with the Ohio Attorney Generals office, yet I have still not received a refund from either XXXX XXXX or XXXX, and the issue remains on my 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 2024-08-10 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:
Dear Sir/Madam, I am writing to formally dispute the following accounts, which have been inaccurately reported on my credit reports by Equifax, XXXX, and XXXX. These accounts are not mine, and their presence on my credit report constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) : 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  Account # XXXX I would like to bring to your attention that these unauthorized accounts have violated my rights under the FCRA as follows : Right to Privacy ( 15 U.S.C. 1681 Section 602 ( a ) ) : According to this section, I have the right to privacy regarding my personal credit information. The reporting of these unauthorized accounts on my credit report breaches this right, as I did not consent to their inclusion. Furnishing of Accounts Without My Written Instructions ( 15 U.S.C. 1681b Section 604 ( a ) ( 2 ) ) : The FCRA clearly states that a consumer reporting agency can not furnish an account without my written instructions. I have never provided any authorization or instruction for these accounts to be reported under my name. These violations have caused significant distress and potential harm to my financial standing. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and ensure that the unauthorized accounts are removed from my credit reports. Additionally, I request that any necessary corrective action be taken against the responsible parties to prevent future violations of my rights. Enclosed with this letter are copies of my credit reports from Equifax, XXXX, and XXXX, highlighting the unauthorized accounts. I have also included any relevant correspondence that may assist in the investigation. Thank you for your attention to this urgent matter. I trust that the CFPB will take swift action to resolve this issue and uphold the protections guaranteed to me under the FCRA. Please feel free to contact me if you require any additional information or documentation. Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 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: Kriya Capital, LLC
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 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: Elevate Recoveries, LLC
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent Account 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I was notified of this delinquent account from XXXX  on XXXX they called me about 30 times a day. The account is in my Fathers name XXXX XXXX, so does not belong to me, which they knew and stated but still said information was accurate when I disputed it with the credit card bureaus. It is also over the stature of limitation for my state North Carolina XXXX, so they are breaking 2 laws. They said they would send to the credit reporting bureaus updated information in XXXX XXXX still have seen an update or anything mailed to me from them which they said they would. Midland Credit Management is the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XX/XX/year> I was in XXXX and went to a seminar for XXXX vacation resorts which they try to sell you a vacation package credits to travel with. After constantly being pressured to take out a loan for this I told them no and that wouldn't do it. After! denyed the loan another member spoke to me and tried to get me to open a credit card with them. When I realized that it was a credit card, I told them no and! wasn't going to open the card with them. They acknowledge it and when I left they still opened the card without my concent. [ 'm furious and this is a scummy practice.

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