vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, 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 received an alert a few days ago that stated a collection account was added to my Equifax report. I am a living human. I have rights under 15 USC 1681 Equifax, is govern by 15 USC 1681. And they have violated my rights numerous of times. I never opened this account with XXXX XXXX XXXX, XXXX, account number XXXX, once again I never opened this account, nor have I signed any contract, nor documents to run my credit let alone open this account. I haven't done any business with XXXX XXXX either. I never signed any type of documents giving my consent to run my credit or open up an account. In Accordance with Fair Credit Act these companies has violated my federally protected rights to privacy and confidentially under section 15 USC 1681. This company XXXX XXXX XXXX is not listed to do business in Georgia, they have no filings with the Georgia Secretary of State. I could not locate a company for them other than Texas. That alone is illegal for them to be trying to report data and collect data.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
To Portfolio Recovery Associates , LLC, on your response dated XX/XX/XXXX You have failed to respond to items in questions account ending in XXXX inaccurate Where show proof of your company inconsistency reporting inaccurate information on my credit file harming file for years. 

You have evade to respond to items in question In regards to account ending in XXXX purchase by you to XXXX, XXXX I deny account XXXX in XXXX., account not mines and never was mines. 
I did not authorized account Be advise that I was not properly notified about Court Proceedings as you claimed on your response dated XX/XX/XXXX, because I was never served You are wrong as well as your information. 

XXXX copy of your response dated XX/XX/XXXX STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Portfolio Recovery Associates , LLC ( PRA ) investigated your complaint and verified the PRA account ending in XXXX. PRA purchased the XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX credit card account ending in XXXX from XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXX, XXXX Business records provided to PRA XXXX XXXX XXXX the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX XXXX XXXX social security number ends in XXXX and that a balance of {$9900.00} was due on the account at the time of PRAs purchase. We sent our initial notification letter to you on or about XX/XX/XXXX. PRA placed the account ending in XXXX with our Litigation Department on or about XX/XX/XXXX. PRA filed an action on the account on or about XX/XX/XXXX. Correspondence and court records reflect that you were properly notified of the proceedings.

I was never served on this account, you are wrong court shows that I was never served I have proof you wrong.

We take compliance with all applicable state and federal laws very seriously. We have no record of a request or dispute being received in relation to our initial notification letter. Our records reflect that we subsequently received, investigated, and appropriately responded to several disputes regarding the account which were similar to the dispute you made in this complaint. In response to one of those disputes, we sent
you the attached letter containing validating documentation from the original account. We believe that the validation provided resolved the dispute and no further steps in response to your complaint or follow-up actions are required at this time. 

You are informed on XX/XX/XXXX I was never served on XXXXXXXX XXXX XXXX in XXXX and account not mines, Please send me a cancelation letter for XXXXXXXX XXXX  XXXX Ending in XXXX. 



Send me the cancellation letter via Consumer Financial Protection Bureau for my security. 

Within 7 business days. 



Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Franklin Collection Service, Inc.
State: GA

Complaint narrative:
Hello. I have an OPEN negative account on my credit report that I am unaware about showing on XXXX and XXXX. I am not responsible for this collection on my credit report. Before I continue, the creditor information is Franklin Collection. The original creditor that is showing is XXXX XXXX XXXX The balance for this account is {$190.00}. Now, this account was deleted from my credit file from last year 2022. I called my credit bureaus and disputed this same exact account last year and the results came back to be verified as erroneous and the collection was deleted from my credit file. XXXX and XXXX should have this on file that this account was once deleted before. In my very own investigation, the first company that added this same collection on my credit report was XXXX XXXX XXXX. Now, the new company that is in charge of this same collection is Franklin Collection. I did not authorize a 3rd party debt collection agency to place this debt that does not belong to me on my credit report. Under the Fair Credit Reporting Act, it is against the law for collection agencies to report debt that they know is inaccurate. Based upon laws and regulations of the FCRA, The Fair Credit Reporting Act promotes accuracy, fairness, and the protection of personal information gathered by Credit Reporting Agencies and regulates access to consumer credit report records. I need to have this account blocked and removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
They've processed provisional credits for half the transactions they declined yet put through my account but are refusing to for the other half

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 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts are fraudulent and I would them removed from my account immediately. These accounts is ruining my credit profile and hindering me from purchasing a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
In accordance with the fair credit Reporting act has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
I am penning this missive to formally lodge a complaint against Rent Debt Automated Collections, herein referred to as " Rent Debt, '' due to their unlawful debt collection practices and unauthorized procurement and utilization of my personal data. Rent Debt has contravened several federal and state statutes in both Texas and Tennessee. Consequently, I respectfully beseech the Consumer Financial Protection Bureau to commence an investigation into this matter.

Rent Debt has transgressed the following federal statutes : Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692 et seq.

Sections 1692e, 1692f, and 1692d Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq.

Sections 1681b and 1681s-2 Gramm-Leach-Bliley Act ( GLBA ) - Title V Sections 6801-6809 Rent Debt has contravened the following Texas statutes : Texas Debt Collection Act ( TDCA ) - Texas Finance Code, Title 5, Subtitle A, Chapter 392 Sections 392.301, 392.303, 392.304, 392.101, and 392.306 Texas Business & Commerce Code, Title 2 , Chapter 20 Section 20.05 Texas Rules of Civil Procedure Rule 76a Texas Deceptive Trade Practices Act ( DTPA ) - Texas Business & Commerce Code, Title 2 , Chapter 17 , Subchapter E Section 17.46 ( b ) ( 12 ) Rent Debt has potentially breached the following Tennessee statutes : Tennessee Fair Debt Collection Practices Act ( TFDCPA ) - Tennessee Code Annotated, Title 62, Chapter 20 Sections 62-20-105, 62-20-106, and 62-20-107 Identity Theft Deterrence Act - Tennessee Code Annotated, Title 47, Chapter 18, Part 21 Section 47-18-2107 The infringements encompass Rent Debt 's endeavors to collect a debt that has, in fact, been satisfied, the procurement of my personal data without a legitimate purpose or my explicit written consent, the implementation of belligerent, vexatious, or abusive stratagems during debt collection efforts, and the failure to adhere to the registration and bonding stipulations mandated by Texas law for third-party debt collectors.

I entreat the Consumer Financial Protection Bureau to scrutinize Rent Debt 's collection practices and the potential violations of federal and state statutes. Furthermore, I advocate for collaboration with the Texas Attorney General 's Office, the Tennessee Attorney General 's Office, and other germane state and federal authorities to ascertain that Rent Debt is held accountable for their actions, desists from unlawful collection endeavors, and complies with all pertinent laws.

I express my gratitude for your consideration and attention to this matter.

Yours sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is choosing not to update my credit balance with XXXX XXXX. They are leaving the balance on my account as {$4100.00} which is not true. I reached out to XXXXXXXX XXXX and they provided me with a {$0.00} balance letter to give to the credit reporting agencies. 

Equifax is also reporting the wrong information for XXXX XXXX. My balance with XXXX XXXX  is {$3700.00} and my credit limit is {$8000.00}. Equifax is dismissivie of the documentation that I have provided to them. 

I just spoke to XXXX a Manager at Equifax with ID # XXXX and she told me that I would have to file another dispute in order to address my concerns. I have filed two complaints with no success. This manager basically told me that they are not going to change any information nor will they contact any creditor. She went on to say that once the creditor updates them then they will make the change. I informed her that I submitted proof that I had a XXXX balance with XXXX and my credit limit on my XXXX XXXX  card was not reported correctly. 

It is clear as day that Equifax did not attempt to contact XXXX XXXX  nor XXXX XXXX. To further support the previous statement, XXXX XXXX  to {$0.00} being owed to them and {$3700.00} with XXXX XXXX  which is owed to them with a credit limit of {$8000.00}. 

Historically Equifax has been dismissive of any concerns. I just realized today that I could actually file a complaint on Equifax. So, XXXX XXXX  nor XXXX XXXX  is not the problem. I have never had a problem with them. It is the tactics of Equifax which is the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion has responded that the accounts in question have come in VERIFIED. They need to follow an E-OSCAR method of validation. Then it goes through a Metro2 code. That code is generated and sent to the creditor or debt collector. The letter goes to the credit beaurues, E-OSCAR, then the creditor or debt collector. ACDV ( Automated Credit Disputed Verified ). The credit or debt collector must respond to the letter. It is saying that it is VERIFIED or updated. That is ILLEGAL because there is no proof that Transunion has personally validated this account. By law, it MUST be removed! It violates FCRA rules and regluations attached!! My certified letter to transunion # XXXX was sent XX/XX/2023. The certified letter was accepted by Transunion regarding the dispute. It takes 30 days to process the information and respond. They have responded that the accounts are indeed VERIFIED. That means that they have manually checked the account information as valid and there are NO discrepencies in the reporting on my report. That means it is 100 % accurate. The account in question is I. ) XXXX XXXX Credit Card. It must I have proof that the investigation was not accurate. In Transunion 's investigation, they have claimed that the accounts are VERIFIED and belong to me. That means that they have reviewed ALL of my information and are claiming that it is mine. According to the law, they are in violation of FCRA. The addresses on my credit report do NOT match up with the accounts in question. The accounts that I am disputing also are NOT reporting correct accounts, dates opened, last reported, and type of reporting. Legally, the accounts MUST be deleted. If the accounts are NOT deleted from my credit report, I will be suing Transunion for violating the FCRA rules and regulations of publishing false information about consumers reporting information. This makes sense as they are doing it to me. This will be my last dispute before litigation against Transunion. I have attached a copy of my current credit report highlighting the inaccuracies of the above forementioned accounts that MUST be deleted off my credit report. If they are NOT then I will be suing Transunion. I have also attached the data breach settlement from Transunion and there lawsuit. I have attached FCRA rules and regulations that Transunion and the other credit bureaus MUST follow and they are clearly violating. I have also attached a copy of my driver 's license which shows that the information that is reporting is in VIOLATION.

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 2023-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have been with capital one for years. I have a interest rate. Capital one have not recently sent me any notification about my interest rate increasing. Since the fed has been increasing interest rates. Capital one has been passing higher interest on their customers outside the interest rate that has been assigned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Fraud claim has been made with Wells Fargo on XX/XX/XXXX Fraud claim number : XXXX On XX/XX/XXXX I have contacted WF in regards to 14 fraudulent transactions that I have discovered on my WF Joint Checking Account.

- 13 out of 14 fraudulent withdrawals have been reimbursed.

- The fraudulent activity on XX/XX/XXXX in the amount of {$280.00} has not been reimbursed. 

When, contacting WF I was told that this activity has been in excess of 60-days and could not be recovered from the 3rd party and there is nothing WF can do.

However, there were 7 activities prior to XXXX XXXX date that have been recovered with exact same fraudulent signature, but yet the activity on XXXX XXXX paused a problem. 

I would like WF to reimburse {$280.00} that has not been reimbursed to me. I suspect a possible flaw in their security protocols may have allowed a fraudulent party access to my banking checking account. 

Here are the fraudulent charges : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$210.00} XXXX REIMBURSED XX/XX/XXXXXXXX XXXX XXXX XXXX Payment XXXX XXXX XXXX XXXX {$61.00} XXXX REIMBURSED XX/XX/XXXXXXXX XXXX XXXX MOBILE PMT XXXX XXXX XXXX XXXX XXXX {$310.00} - REIMBURSED XX/XX/XXXX XXXX XXXX MOBILE PMT XXXX XXXX XXXX XXXX XXXX  {$200.00} - REIMBURSED XX/XX/XXXX XXXX XXXX XXXX Payment XXXX XXXX XXXX XXXX {$97.00} XXXX REIMBURSED XX/XX/XXXX XXXX XXXX XXXX Payment XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Payment XXXX XXXX XXXX XXXX {$280.00} XXXX NOT REIMBURSED XX/XX/XXXX XXXX XXXX XXXX Payment XXXX XXXX XXXX XXXX {$200.00} XXXX REIMBURSED XX/XX/XXXX XXXX XXXX MOBILE PMT XXXX XXXX XXXX XXXX XXXX {$180.00} - REIMBURSED XX/XX/XXXX XXXX XXXX XXXX Payment XXXX XXXX XXXX XXXX {$200.00} XXXX REIMBURSED XX/XX/XXXXXXXX XXXX XXXX XXXX Payment XXXX XXXX XXXX XXXX {$250.00} XXXX REIMBURSED XX/XX/XXXX XXXX XXXX XXXX Payment XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  Payment XXXX XXXX XXXX XXXX {$280.00} XXXX REIMBURSED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$300.00} 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 2023-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I am a co-signer on this loan with Navient. The original amount of the loan taken out on XX/XX/XXXX was {$11000.00} and payments begain being paid to Sallie Mae XX/XX/XXXX. We did run into financial trouble and had to declare bankruptcy and we were told we couldn't include student loans and the loan was transfered to Navient XX/XX/XXXX with a balance of {$18000.00}. 

We were always offered forebearance and did not know of any income based repayments but were offered rate reductions twice. Payments have been made pretty steadily since XXXX. I have sent Navient almost {$17000.00} since XXXX and my current balance is still {$15000.00} owed. 
I have just noticed that most all of my payments since XX/XX/XXXX are going to interest only. During this time period I have sent them {$3000.00} and only {$740.00} has gone to principle. 
I don't know how long they haven't required payments but I have sent money each month thinking I was paying down the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe
State: MA

Complaint narrative:
Hello, I have taken out several of these loans and finally had to request them not to take money from my account via ACH because I was constantly over drafting my account.

They have honored that and it will eventually go to collections for me to start paying.

But these interest rates are way too high.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: AZ

Complaint narrative:
I have a car leased through Santander consumer USA at XXXX XXXX XXXX XXXX XXXX Texas XXXX there phone number is XXXX XXXX XXXX I started my car balance at XXXX dollars and at XXXX dollars a month paid {$5000.00} dollars my balance has never moved they are not properly reporting my balance should be {$18000.00} dollars left on the car how am I current on my payments if I have never paid my current balance is {$23000.00}. Please tell me if the company is not using the real Santander and robbing me.

Company response to consumer: Closed with explanation