vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Zip Co US Inc.
State: NY

Complaint narrative:
I have an issue with zip that has been going on since XXXX. XXXX. I had major fraud on my account. This has been confirmed by the police report I submitted and also my banks investigation. I have reported this several times to zip. Every time I speak with someone they hang up. They say I still need to pay. I am a victim of fraud. And my account was closed because I was a victim.i have been a loyal customer for a few years. I can not believe I have been treated like this. Now Im getting text messages saying Im being sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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:
XXXX IS REPORTING XXXX XXXX XXXX WITH LATE PAYMENTS TO CREDIT FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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:
I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX ) ( XXXX ) ( XXXX XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title Vi, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX ) ( XXXX ) ( XXXX XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title Vi, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2024-11-06 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:
My credit report has a few errors showing late payments that are uncharacteristic of my payment history. Kindly correct these issues and update my account. Much appreciated!

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 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
I am unable to provide all of the documents because they were altered and hidden. This was not where I lived where it was forwarded to after an incident. False claims information was used and apparently taxes were taken out and XXXX XXXX closed so as found this is the last document of unknown and known people some mail forwarded to XXXX XXXX XXXXXXXX XXXX XXXX XXXX account information XXXX XXXX and this was forwarded leaving me with nothing closing my post office box on auto pay likely with id or some other means I dont believe it was the actual post office. Went in and told they had to give it to someone else. Again likely not the post office but I know that it is also illegal to use bank information or deduct for likely tax purposes so left with little. This is not meant as a complaint but info needed. Parents were not at the residence at the time it was forwarded my father was undergoing XXXX XXXX. So it was someone on their behalf unknown does not mean it changes anything or anyone but someone had to go in do this and after covered the evidence. So could be anyone may have been after returning by anyone. But sent to both parties forwarded.

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 2024-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: AR

Complaint narrative:
I applied for and got approved for an Aspire credit card in XX/XX/year>. I NEVER activated this card. I received a notification that a minimum payment of {$25.00} was due on XX/XX/year>. On XX/XX/year>XXXX  I called and spoke with a representative that told me the annual fee was already applied to the account even though it was never activated or being used by me. I explained that I never activated the card and no longer wanted the card. The representative told me it did not matter and the payment was still due. The account was not closed even after my request to close it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: CA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-11-06 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: GA

Complaint narrative:
According to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ), a consumer report is considered a medium of communication and is thus subject to cease and desist requirements. There is a standing cease and desist order with XXXX XXXX, and no updated information should be reported on this closed, charged-off account. It is to be deleted from my report. 15 USC 1681b permissible purpose. No written instructions have been provided by consumer. Per 18 USC 1028A, XXXX, Experian and XXXX XXXX are committing Aggravated Identity Theft against consumer. 15 U.S. Code 1681i - Procedure in case of disputed accuracy. Experian has 15 days to investigate and remove this account. Please be advised that if you send me a computer generated letter, stating that you have ceased investigation of my credit reports because in your opinion, you believe I have used a third-party credit repair agency, you will be in blatant violation of the FCRA. This stall tactic on your part to grant you an additional 30 days to comply with my original request, will result in a lawsuit with your company. This is your only warning. ''

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 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have applied twice for a car loan and Capital One has given me two different reasons for both denials.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: TN

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: NC

Complaint narrative:
I have identified accounts on my credit report that I did not authorize or open. These accounts are fraudulent and do not belong to me. I have contacted the credit bureaus and creditors to resolve this issue, but these accounts remain on my report. I am seeking assistance to have these unauthorized accounts permanently removed.

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 2024-11-06 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
XXXX and XXXX are reporting late payments on my credit report whenever I pull my report up online it shows XXXX delinquencies and late payments however, I believe anything that was at that status on my report happened over XXXX  years ago so it should no longer be on my report as of today. I have no late payments and no delinquencys fill up last past XXXX years or more

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 2024-11-06 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: Credit Service International Corp
State: MN

Complaint narrative:
Fair Debt Collection Practices Act 15 U.S.C. 1692c is part of the Fair Debt Collection Practices Act ( FDCPA ), a federal law that regulates how debt collectors can contact consumers. The purpose of the FDCPA is to stop debt collectors from using abusive. Therefore having this on my reporting is another way of contact and I would like it removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: GA

Complaint narrative:
I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
XX/XX/XXXX Purchases {$150.00} Credit issues for returns XXXX Balance due {$100.00} {$100.00} was due on XX/XX/XXXX. I mailed check on XX/XX/XXXX. 

XX/XX/XXXX {$30.00} late fee was applied to my bill. Paypal had switched to paperless billing so I did not receive a statement at this time. I went online to see why I hadn't received a statement and saw a balance due of {$130.00}. I called them and was told payment was not received. I told them I had mailed it XX/XX/XXXX. I would check with my bank and if not cashed would mail a check today. It hadn't so I sent check on XX/XX/XXXX. 

NOTE : I was receiving emails from a Sychrony Bank. Since I had no idea who that was and had not contact with them, I figured them for spam and never opened them. I found through conversation that this was actually PAYPAL. In the future I started to receive some emails that said they were from PAYPAL which I opened. 

XX/XX/XXXX Statement showed payment XXXX received but showing XXXX balance for late fee. I called again and asked why it hadn't been taken off. Thought when I talked to customer service before they said it would be removed. She said we can't remove late fees. You need to pay the balance. I said I was not going to do that as I was told it would be removed. 

XX/XX/XXXX Statement received showing balance of {$60.00}. They charged me a late fee on a late fee. I called again and was again told I had to pay the balance. 

XX/XX/XXXX I sent a letter to them explaining what had happened. What I was told about the late fee being removed. That I had been a customer since XXXX, always paid my balance in full early. ALWAYS. I got no response to my letter. 

XXXX/XXXX/XXXX Statement Balance {$100.00}. Added late free of {$41.00} and Interest of {$2.00} to previous late fees charged. I called again and said you said you were removing the late fee. Now you are charging me late fees on late fee plus interest. She said they would remove the {$30.00} late fee. 

XX/XX/XXXX Statement balance XXXX. Removed the {$30.00} late fee but left the rest of them on the bill. I called again. I said you removed the {$30.00} late fee why didn't you remove all of them. She said oh that wasn't the first late fee that was removed so you owe the balance of {$71.00}. Isaid NO I am not paying that. This is the first late fee that you said was back that you would remove. It that had been done right away there would not have been any other fees. She said she couldn't do that. I had to pay. 

XX/XX/XXXX Statement shows balance of {$120.00}. Charged XXXX late fee again on late fees. I have not called 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 explanation
Consumer complaint received 2024-11-06 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-06 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: TX

Complaint narrative:
I am writing to formally dispute the reporting of a charge-off account on my credit report. According to my recent review, a charge-off is listed, which I believe is being reported inaccurately.

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 2024-11-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I currently have student loans that are handled by Nelnet, and am on a XXXX $ repayment plan with subsidized interest. I would like to pay but I've been having an ongoing XXXX  crisis causing XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I kept getting messages from Nelnet saying XXXX $ is due. I also got communication saying that I'm on a plan where interest will be subsidized by the government for three years. Then I found out that there actually was interest on the account. Nelnet has sent misleading communication repeatedly implying that nothing is due, while hiding interest accrual in the fine print. Apparently there were 2 months in XXXX  where interest was accruing, and they have not communicated this clearly. 

I would like this interest removed because it's unethical to clearly communicate that nothing is due when in fact, the interest needs to be paid. I would have paid it already if Nelnet had been honest. 

I have XXXX degrees, including a XXXX, and have published media articles in the USA, XXXX, and XXXX. If I didn't understand Nelnet 's communication, it clearly wasn't straightforward or clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : 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

Company response to consumer: Closed with explanation