vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I disputed the account and it was deleted.

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 2024-05-17 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: OH

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-17 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: VI

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2024-05-17 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I disputed things off my credit reports they did not remove them so now I want to file civil liability for willing compliance 15 US CODE 1681n.

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 2024-05-17 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I opened my Synchrony Lowes credit card account with APR of 26.99 % on XX/XX/XXXX. Benefit of the card was a 5 % discount on all purchases. 
I always paid in full balance by due date. 

On XX/XX/XXXX, I received notice from Synchrony Lowes credit card that changes in account terms would take effect on XX/XX/XXXX. I was provided right to reject the changes, other than to APR, however if I did so, I would not be able to use my account for new transactions. Changes included : APR for purchases 31.99 %, penalty APR and when it applies 36.99 % if I made a late payment, returned payment fee of {$41.00}. A {$1.00} monthly paper statement fee. 

I called the number provided to reject and had to close the account on 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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Starting XX/XX/XXXX XXXX XXXX has been reporting that I am delinquent on my car loan. When I call XXXX they say they will send a letter to the credit agencies showing I am not delinquent. Each time I call they confirm I am not delinquent and they dont know how that happened. As of XX/XX/XXXX it is still reporting that I am delinquent and XXXX says it is no longer their responsibility because they sent a letter

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 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Starting XX/XX/XXXX XXXX XXXX has been reporting that I am delinquent on my car loan. When I call XXXX they say they will send a letter to the credit agencies showing I am not delinquent. Each time I call they confirm I am not delinquent and they dont know how that happened. As of XX/XX/XXXX it is still reporting that I am delinquent and XXXX says it is no longer their responsibility because they sent a letter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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: WA

Complaint narrative:
Starting XX/XX/XXXX XXXX XXXX has been reporting that I am delinquent on my car loan. When I call XXXX they say they will send a letter to the credit agencies showing I am not delinquent. Each time I call they confirm I am not delinquent and they dont know how that happened. As of XX/XX/XXXX it is still reporting that I am delinquent and XXXX says it is no longer their responsibility because they sent a letter

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 2024-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
End of XXXX I notified tax XXXX I was not receiving the homeowners exemption I was to receive. It was rectified and they went back XXXX XXXXears and submitted a reimbursement. XXXX XXXX advised they sent to New Rez a check XXXX XXXX, dated XX/XX/XXXX, in the amount of {$8200.00} for multiple parcels including mine, check was cashed on XX/XX/XXXX. My refunded amount was {$240.00}. I contacted New Rez XX/XX/XXXX regarding this refund and was told they were requesting the information and I should hear a response by XX/XX/XXXX. Called XX/XX/XXXX and was told they were going to contact the XXXX XXXX and I should hear around XX/XX/XXXX or sooner. On XXXX called New Rez and talked to the escalation team and was told they saw my refund amount and was going to check with the refunds department. I should hear back by the end of the week or by beginning of week XX/XX/XXXX. XX/XX/XXXX called New Rez and was told they didn't see any action on it and I should call back in XXXX weeks. They have had my money since XXXX and I'm stilling waiting for them to refund it. I am in the process of cancelling my escrow account as they refunded {$1000.00} because I had to much in it ( I make extra payments to ensure I'm covered ), but then said my house payment was going up because I would not have enough in my impound to cover my tax and insurance! I think I can manage it better than that and pay this on my own. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Reset Financial Technologies, Inc.
State: WY

Complaint narrative:
They talked me into signing up for a credit card or a wage access credit card and then they told me to put my direct deposit to that bank account that then they gave me a spending limit of {$100.00} until my paycheck went through on the next pay period well today was the next pay period my check was supposed to be direct deposited into my XXXX account after they took the XXXX dollars and now my check was deposited into their account, but there is no money to be found not in my account not in myReset account and not in my XXXX account so my paycheck is nowhere to be found. They won't email me back. They don't have a phone number to call them. I reached out several times. I have also contacted my employer and asked them if they could see if my check was sent to that account and they confirmed it was! So my paycheck is no where to be found and now I can't pay my rent or my car payment!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am reaching out to XXXX regarding a late payment on my credit report. 
As a consumer, I am made aware that a creditor XXXXay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. With this being said, please show proof where my periodic statement was sent regarding one late payments. If a periodic statement can not be sent showing where these late payments occurred, please do your due diligence to update these one late payments. They are only affecting my financial reputation but also causing financial harm to myself. 

Account XXXX XXXX XXXX  Last 4 digit of SSN : 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 2024-05-17 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: TN

Complaint narrative:
I am reaching out to XXXX regarding a late payment on my credit report. 
As a consumer, I am made aware that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. With this being said, please show proof where my periodic statement was sent regarding one late payments. If a periodic statement can not be sent showing where these late payments occurred, please do your due diligence to update these one late payments. They are only affecting my financial reputation but also causing financial harm to myself. 

Account XXXX XXXX XXXXXXXX Last 4 digit of SSN : 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 2024-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
This is NOT my debt I dont own this debt neither do I claim it. I have no knowledge of it, Theres been MULTIPLE disputes and deletions off my report due to inaccuracies. 

Theres been no Validation of debt proving that this is my debt, Not a bill. But a contract and a wet signature or something substantial validating and proving this is my debt. Its illegal to keep reporting a debt that isnt validated. 
Multiple FCRA laws are being violated. 

If you cant properly VALIDATE this is MY debt DELETE it from my report ASAP or legal actions WILL be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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 XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2024-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Notice to Cease and Desist To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company via email dated XX/XX/year>. While checking the above report, it came to my notice that your Company has furnished an account on my report. 

Account - XXXX XXXX XXXX XXXXccording to 15 USC 1692a ( XXXX ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the XXXX will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). 

XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any XXXX XXXX XXXX. 

Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation Sincerely Name XXXX XXXX Enclosures : XXXX. XXXX of XXXX Report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
On XX/XX/XXXX I looked up a telephone number for XXXX XXXX  customer service to get tech support to fix my XXXX XXXX  watch. I called the phone number that I found for this company. I had no idea that the people that I reached on the phone were not XXXX XXXX but scammers and they were generating a video call on their end without my knowledge. I later found this out by calling the phone number back and saw myself on video. I never made a video call to this number. I never gave them passwords, credit card numbers or gift card numbers. They stole them from my phone which they had unauthorized access to. I was scammed out of over {$1500.00}. in gift cards which they charged on my Target.XXXX credit card. When I realized that what they were doing was not helping me fix my watch I hung up the phone and did some investigating and realized that it was a video call on their end and that I had been scammed. I later wiped my phone clean and changed all my passwords and checked all my credit cards for purchases. I called Target XXXX XXXX. XXXX ext. XXXX and reported the fraud. They closed my account and sent me a fraud questionnaire which I faxed back to them on XX/XX/XXXX. I received a bill from Target on XX/XX/XXXX for {$1500.00} so I called the XXXX XXXX. and they told me that I was responsible for the paying the bill and they claimed that a letter of resolution was sent to me on XX/XX/XXXX. I never received this letter and I asked that another letter of resolution be re-mailed to me. I still have not received that letter 6 months later. I was told by the supervisor to send another letter of appeal and the claim would be re-opened. I sent another letter to the fraud dept. on XX/XX/XXXX and have not received a letter of resolution as of XX/XX/XXXX, 90 days later. Every month when I received another bill from them I call the fraud dept. asking to speak to a supervisor and each time I was told that the letter of resolution on XX/XX/XXXX would be resent and they would have someone call me back in XXXX hours. No one has ever called me from Target fraud dept. I have documented XXXX phone calls where each supervisor I spoke with would only share their first name with me and every time I called they told me the same thing, someone would call me back in XXXX hours and they would resend that first letter of resolution that they claimed was mailed to me on XX/XX/XXXX. Upon checking my credit report I could see that I now have an unpaid balance of {$1800.00} for Target. I have always had excellent credit and this is not right that they reported this unpaid balance and have never given me a letter of resolution about why I am responsible for this bill. I faxed them another letter on XX/XX/XXXX that they need to make a decision and send me a letter of resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-17 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-17 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Hello Good Morning I am experiencing difficulties in receiving payments through my account. In the last transaction, my client reported issues when attempting to send payment to my email address. When I tried to send an invoice, I encountered an error message. The same happened when I tried to integrate the checkout link into my sales page. After several attempts, I finally managed to receive the payment, but at that very moment, my account was blocked. I have sent all the necessary information to resolve the situation, but so far, I have only received automated responses. I would like to emphasize that I have an excellent reputation on the platform, with XXXX transactions completed and no complaints. I have completed all the necessary steps and verifications, and my service or product complies with PayPals acceptable use policy. I have met all the necessary requirements within the platform. Therefore, I earnestly request that you review this decision. I need to regain access to my account as soon as possible to resume my business activities. So far, I am only accumulating losses. Please, I ask that you review my case again. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
As I was reviewing my credit profile I had seen quite a few inquiries that did not belong to me.

Company response to consumer: Closed with non-monetary relief