vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: OH

Complaint narrative:
I went to the XXXX  on XX/XX/XXXX, XXXX the XXXX XXXX was billed and payed XXXX in XXXX of 2024. I never received a First bill for the balance from the Dr.. On XX/XX/2024 i receive a bill from the XXXX XXXXXXXX XXXX XXXX and it states that i am late and past due as of XXXX, 2024. On XX/XX/2024 Saturday, i go on line and check the Co, to see if it is valid, and it was XXXX i tried to access my Acct but it was lock out for being over due. i tried to call there hot line but was on hold for over XXXX min, and the AI just keep telling me to pay XXXX. I do not pay XXXX  over the phone or online when i do not know the Co i am doing business with. In stead i entered the info at m y bank and had them send a check. the bank said ti would be delivered on XX/XX/XXXX, XXXX on XX/XX/2024 the XXXX XXXX XXXX  XXXX the acct to collections and a week later i get a call from a collection Co wanting payment. i told them that i payed it XX/XX/2024, but he hung up. i called back talked to another person and i told him i paid it off and, told him to send me to original bill, and they did. a week later they called me back and wanted their money. i made copies of all the bills and cannceled check from the XXXX XXXX XXXX, and sent it to the collections XXXX they said i had to resend the money to them and try to get the first check back from the XXXX XXXX XXXXXXXX because they all ready paied the Dr off and now i owe them. i told them to XXXX and sent them the info that i will copy you below. i am waiting for confirmation from both parties to their mistake, and why i did not reciev a bill from the XXXX XXXX XXXX the first time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I filed for XXXX XXXX loan forgiveness from Navient and sent in all the supporting documents which they admittedly received XX/XX/2024. I received the response from Navient on XX/XX/2024 stating they deny these requests for various reasons and I do not qualify for this loan forgiveness. They have not provided any reason as to why I do not qualify. I submitted all the documentation showing the deceit of XXXX XXXXXXXX XXXX 

I also qualified years ago for loan forgiveness due to for profit school misconduct and Navient said I do not qualify. 

Further I qualified for the loan forgiveness as part of the class action lawsuit against Navient for unfair loan practices and misleading me into forbearance etc. In this instance Navient said I do not meet the criteria because my loans were not in default. My loans were on in-school deferment as I was getting my XXXX XXXX from XXXX XXXX XXXX via federal loans. 

I have been paying on these loans ( I also have a cosigner ) for XXXX and have paid back the amount loaned plus interest at least XXXX times over. They are treating me as a cash cow and each time I get close to paying off interest, the raise the interest rate. 

They have trapped me and my cosigner ( my XXXX old mother ) in these loans. It is preventing me from being able to purchase a home. I've had to pull from my retirement in order to make payments and use my employment bonuses in order to make payments. 

They have received the original loan amount plus interest XXXX times over and still will not let me out of these loans. They are taking advantage of me and trapping me in a never ending cycle of repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: NY

Complaint narrative:
To Whom May Concern My name is XXXX XXXX I have written your bureau multiple times & also submitted identity theft reports multiple times & your company just wasnt trying to hear what I had to say regarding incorrect information on my credit report. So I took further action & contacted the deputy commissioner of my state XXXX to verify indeed that these account reporting on my account couldnt had been me due to me being incarcerated for those years the accounts was opened & received I dont know if it was a family member that did or not but those accounts wasnt approved by me & truly wasnt made by me. I have the letter attached to my letter as well and I have police report, identity theft report & lease of my address attached too and I will also attach my information so your company can verify me & also have my identity report attached again with this letter to see which accounts Im speaking on. Im sorry for the inconvenience and Im sorry that I had to go this far to contact the commissioner of my state. Also the address that is on my credit profile is invalid I never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I did live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Address for alleged debt is not on my report & I have my lease to my apartment attached to this document also have the letter from the deputy commissioner to verify I was incarcerated at the timing of the alleged debt owed to XXXX XXXX XXXX Account Number - XXXX & also the alleged Debt owed To XXXX XXXX Account Number XXXX. I also have the accounts listed below with the balances & how much the alleged debt are so I can get verified. Key facts that prove that the alleged debt is not mines are & was fraud XXXX. I was incarcerated from XXXX commissioner documents to prove it XXXX. Lease to prove that was incorrect for my legit address lease shows the address & the dates of the rental lease. XXXX. My address for the alleged debt is not on my profile PLEASE HAVE THESE ACCOUNTS REMOVED IMMEDIATELY THESE ACCOUNTS ARE ALLEGEDLY INCORRECT & NOT MY ACCOUNT THEY ARE FRAUD ACCOUNTS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS THAT NEED TO BE REMOVED BELOW. XXXX  {$96.00} Account # XXXX XXXX XXXX XXXX- {$450.00} Account # XXXX DOCUMENTS ATTACHED WITH THIS PAPER XXXX. COMMISSIONER LETTER TO VERFIY I WAS INCARCERATED XXXX. IDENTITY THEFT DOCUMENTS XXXX. ID XXXX. MY LEASE FOR MY APARTMENT TO VERIFY MY APARTMENT CORRECT ADDRESS XXXX. Police Report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: FL

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
On or around XX/XX/year> I noticed a letter in the mail from Portfolio Recovery Associates , LLC claiming that I the consumer was being sued. I am unsure as to why I am being sued by this debt collector and why I was never previously notified about this alleged debt as required by law under the Fair Debt Collection Practices Act 15 U.S.C. 1692. This debt collector is alleging that I the consumer owe a debt of {$3600.00} from a charged off account. I have no knowledge of this account or ever entering an agreement with Portfolio Recovery, furthermore this is the first initial communication I have ever received from this debt collector and it is in the form of a civil lawsuit being filed against me. This is abusive, deceptive and unfair, I the consumer am being taken advantage of and this misconduct has caused me severe stress, anxiety, and mental anguish. My privacy has been invaded and I have been injured. 

On XX/XX/year> I mailed a correspondence to this debt collector informing them that I was invoking my right to verify the validity of the alleged debt. The debt collector has not responded. Please see attachments as evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Account : XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX11000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX has violated my rights I looked at my XXXX credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 16811 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generallt, after any reinvestigation under paragraph ( 1 ) of any information disputed

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 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
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 Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX has violated my rights I looked at my XXXX credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 16811 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generallt, after any reinvestigation under paragraph ( 1 ) of any information disputed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 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: PA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: PA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-07-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Applied for a Citi XXXX XXXX credit card online. Was told I needed to wait for a letter to arrive in the mail with a reference letter to verify my address. Waited for that letter. Account was approved. Received it in the mail. Activated the card. Set up online access. Added my bank account to pay. Account looked good. Now, I must mention Citi had a sign up offer to spend {$4000.00} in 3 months to get XXXX points. I used my card this morning on XX/XX/year> through XXXX ( which is supposed to be secure ) to pay for parking, breakfast and gas. Tried to use it at the supermarket through XXXX ( again, secure ), and was declined. Used a different card to pay. Received a message to contact Citi. Called that number and spoke with supervisor XXXX ( US based supervisor ) who cleared the alerts and told me I could use my card. Tried to use my card and it declined. Spoke with supervisor XXXX ( US Fraud supervisor ) who was impolite and unhelpful. XXXX XXXX stated the only way to assist is to send me a letter with a code. Now, when I told her Citi had a timeline of 90 days to meet my spending and I couldn't wait every time I got a block for a letter that takes ~ 2 weeks to arrive she stated she couldn't do anything. She couldn't care less. She couldn't transfer me to any other department and basically told me " tough luck ''. Now, Citi will hide itself behind the argument that the take security very seriously etc etc. The issue at play here is that they are lying to consumers. They demand consumers to spend XXXX  amount of money in 90 days, but place roadblocks along the way to make it impossible for consumers to do that. The CFPB should investigate Citi Bank 's practices.

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 2024-07-28 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: FL

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-07-28 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: FL

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I purchased a XXXX XXXX from the XXXX XXXX on XX/XX/year>. When I authorized the charge on the app, I applied a promo code that reduced the original amount from {$130.00} to XXXX for a {$13.00} discount. This item does not have a return option. When I received my email receipt, it was {$13.00} higher. I attempted to resolve the issue with the XXXX, and they offered me a {$13.00} discount on a future purchase. I rejected the offer. 

I filed a dispute with my credit card company on the website and in writing. I explained it was a fraudulent charge and provided emails between me and the vendor proving they knew of the problem with the promo code and only offered a discount and not return the money they stole from me. 

The credit card company denied my chargeback request because I had received the item. I again explained why that {$13.00} was a fraud, and they only said they could reopen the case. I'm hoping you can force them to review it again.

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 2024-07-28 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: MI

Complaint narrative:
CFPB Writeup : 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 XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX  XXXX  Account name : # XXXX XXXX  Account name : # XXXX XXXX XXXX Account name : # 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. 
The FCRA and also hard inquiries XXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXX 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 2024-07-28 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: MI

Complaint narrative:
CFPB Writeup : 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 : Account name : # XXXX XXXX Account name : # XXXX XXXX Account name : # XXXX XXXX XXXX Account name : # 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. 
The FCRA and also hard inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-07-28 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: NY

Complaint narrative:
I have an unauthorized inquiry from XXXX dated XX/XX/year>, I file an FTC report and mail in proper documents to Equifax and they refuse to remove the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am being contacted, via email, by Capital one over a debt not owed. A request was made to substantiate an verify the debt. However, Capital one has not responded. A request to cease contact via email was also made. However, they continue.In accordance with the fair credit reporting act this creditor has violated my rights und 15 u.s.c 1681 Section 602 states I have a right t privacy. 15 u.s.c. section 604 ( a ) section 2 also states a consumer reporting agency can not furnish an account without the account holders written instructions. 15 u.s.c. 1681 ( B ) ( 2 ), ad pursuant to 15 u.s.c.B a creditor may not treat a payment on a credit card account under an open end consumer credit pan as last for ay purpose. I demand any late payments be updated to paid in accordance to these U.S. laws ( See also 15 u.s.c 1666B ( A ) ( B ) ; 15 u.s.c. 1637 A ( a ). There will be civil liability for willful noncompliance of this request ( 15 u.s.c. 1681 ( N ).

Company response to consumer: Closed with non-monetary relief