vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I tried to apply for an apartment and come to find out I was declined because they checked credit. I never was informed about credit or how important it was so I never took it seriously. Until the apartment told me I have a collection account that is in debt and tanked my credit score to XXXX. I never applied for any credit cards or anything that has to do with credit. I told my father and we went to the XXXX police station and filed an identity theft report with officer XXXX case number is XXXX I filed a ftc report and I did that too. I need this removed immediately so my life can be back to normal. I cant even find housing because of the thieves. I need this removed immediately I am also in the process of putting a freeze and if theft alert on all three credit bureaus!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: FL

Complaint narrative:
Dear Transunion LLC, I am writing to dispute inaccuracies on my credit report as provided by Transunion LLC, in accordance with the Fair Credit Reporting Act ( FCRA ) 15 USC 1681. Upon reviewing my credit report, I have identified several errors that require immediate attention and correction. I Have Attached a credit report identifying the inaccurate errors on my credit report Under the FCRA 15 USC 1681, I understand that Transunion LLC is obligated to investigate my dispute within 30 days of receipt and to notify me of the results of the investigation. I kindly request that you notify me in writing of the actions taken to correct the inaccuracies on my credit report. 

Furthermore, I request that you provide me with a free copy of my updated credit report once the necessary corrections have been made. 

Please ensure that all future reports accurately reflect my credit history to prevent any further discrepancies or misunderstandings. 

Thank you for your prompt attention to this matter. I look forward to your timely response and the resolution of these inaccuracies.

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 2024-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I booked a ticket to fly with XXXX while I was traveling. When the time came to check into the flight, the airline demanded that I pay {$5.00} extra to check in, even though this was not spelled out anywhere in the terms of service nor did anybody else in my party have to pay to check in, but they seemed to require it in my case for whatever reason. 

I disputed this charge and sent a letter explaining what happened to the credit card company and they promptly found in favor of the merchant and declined to explain why. They say that I have to try and talk to a supervisor and they have attempted to connect me three times but it has disconnected every single time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
I assert that I am not legally responsible for the alleged debt associated with XXXX  Account # XXXX. As per the principle of contractual privity, I maintain that there exists no valid contractual agreement between myself and CREDENCE RESOURCE MANAGEMENT LLC. Furthermore, in accordance with the legal doctrine of evidentiary disclosure, I have formally requested access to the original contract pertinent to this matter, a request which remains unfulfilled by CREDENCE RESOURCE MANAGEMENT LLC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 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: GA

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 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 informationisinaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Hello, I am a recipient of the XXXX XXXX XXXX XXXX recently announced by the Biden Administration earlier this month. As one who qualifies for this discharge, my FFELP/federal loans with Navient are supposed to be paused until they can be discharged.

However, they remain in repayment, and I'm receiving calls and emails about missed payments. I've emailed Navient 's customer service about this issue, but I have yet to receive a response.

I have been assured that my FFELP loans should be on hold, but Navient 's silence on the issue has caused me a great deal of stress. 

Furthermore, I am a post-class member of the XXXX XXXX XXXXXXXX lawsuit, which determined that students who attended the XXXX XXXX ( and/or other schools on their list of fraudulent for-profit institutions ) would receive a discharge of all federal loans, including federally backed loans such as FFELP and FFEL. As a post-class member, my loans should have been placed on hold upon my borrower defense application 's acceptance in XXXX Navient has not acknowledged this application nor the terms that should have applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: Bread Financial Holdings, Inc.
State: HI

Complaint narrative:
I had emergency dental work done. I asked the provider if I could pay over time. They signed me up with Commenity Bank. I had problems with the work the dentist did. At the last minute, before going under general anesthesia, he recommended that he make XXXX XXXXXXXX  for the XXXX XXXX XXXX he did. I reminded him I was moving to XXXX, and would this be a problem. He said no. Once I moved to XXXX  XXXX very reputable dentists said they could not set the XXXX due to insurance laws. Also, they were worried because XXXX of the XXXXXXXX XXXX cracked within a few days. I went to both the dentist and the Credit Card company with the problem. The dentist claims he delivered all the services, which he didn't. I can't get the Credit Card company to go after them. They are not accepting responsibility for the problem, which is not my doing. I sent them a check for all of the work that was done, subtracting the amount of the XXXX XXXXXXXX XXXX. I put " Payment in Full '' on the back of the check. They cashed it by converting it to an electronic payment without my permission. Since the beginning, I have sent the bank XXXX or XXXX letters. They refuse to do anything. Now they reported me to the credit bureau because I will not make any more payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I was a victim of identity theft i filed the necessary disputes and had the fraudulent accounts removed in XXXX XXXX XXXX 1 of the accounts ( XXXXXXXX XXXX  ) was reinserted XX/XX/year>. According to the FCRA section 611 credit reporting agencies are required to send a reinsertion letter not later than 5 business days after the date of reinsertion. This letter should contain proof the furnisher certified the information as accurate and documentation of the business name and address of any furnisher of information contacted and the telephone number of such furnisher or any furnisher of information that contacted you in connection with such information. I did not receive this letter in accordance with the FCRA.. please delete the reinsertion of the XXXXXXXX XXXX account from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 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: Chime Financial Inc
State: AR

Complaint narrative:
On XXXX XXXX XXXX I was informed that a vacation had been canceled that was to take place on XXXX XXXX XXXX. I had paid the full amount earlier on my chime account. It was deducted by XXXX XXXXXXXX XXXX. After finding this out I file for a refund which Chime claimed they investigated. Which was impossible because they came back 2 days later with a denial. The service I paid for was never rendered. I just recently found out I should try to have CFPB check into it. Chime later close my account because I tried again on XXXX XXXX with no results. Company also filed BankruptcyXXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am formally writing this letter because upon reviewing my consumer disclosure report with EQUIFAX, I noticed there are multiple accounts in my credit file with this company that are inaccurate. On XX/XX/year>, there was a notice of dispute sent to EQUIFAX through the CONSUMER FINANCIAL PROTECTION BUREAUs ( CFPB ) portal per CFPB complaint # XXXX. When the accounts in question were disputed, I made it explicitly clear as to what was inaccurate regarding the accounts. As it stands, the inaccurate accounts that were disputed with EQUIFAX have been verified as accurate or modified per EQUIFAXs response to the CFPB complaint/Notice of Dispute. This in turn prompted me to login to my membership account with EQUIFAX to review my credit file bearing the accounts and said changes made to the accounts. It has come to my attention that the very same accounts that were disputed still remain inaccurate and unchanged regarding the errors I have brought to EQUIFAXs attention. EQUIFAX is in direct violation of the Fair Credit Reporting Act per 15 USC 1681e ( b ) because it did not ensure maximum possible accuracy regarding the accounts I disputed. Instead, it verified the accounts and failed to correct the errors I have brought to its attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Receivable Management Services LLC
State: NJ

Complaint narrative:
In late XXXX of this year I called The Receivable Management to discuss my debt. I explained that I had switched insurance companies and didnt feel that I owed this debt. However, I wanted it off my credit and wanted to know what was the best offer. At the time the debt was {$440.00} and they offered me a settlement of 20 % off. I took the settlement and agreed to pay {$350.00}. Ever since then they have reported me with a balance of {$89.00}. I called the company twice and both times was told that the person who originally took my payment didnt enter the settlement offer in correctly, but that it was in their notes that I was given an offer and took it. I was told on both occasions that they would fix this issue and report it correctly to the credit bureaus. To date it has not been fixed and this is taking a toll on my credit and how I am trying to fix my life.

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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( was during the time of covid SCAM ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE CHARGED OFF ACCOUNTS OFF MY CREDIT REPORT ACCORDING TO 15 US CODE 1601 LATE PAYMENTS 15 US CODE 1666B COLLECTIONS 15 US CODE 1692C

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 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: FL

Complaint narrative:
XX/XX/XXXX ...... Surrendered Apt and relocated temporarily ... By XX/XX/XXXX a company named XXXX XXXX had put a collection in my credit report for a fraudulent amount of money. I had no idea what for or who they were... I acquired my credit reports from XXXX, TransUnion, and XXXX and have been disputing the entry since. I've written letters and complained on line throughout XXXX and XXXX. I've requested validation from the company and methods of verification from the 3 credit companies to no avail. The derogatory information in my credit profile has prevented me from securing a resident and now I'm registered as homeless trying to find affordable places to stay. I can not continue living like this. The information should be removed due to violation of FDCPA ( section807 ( 8 ), FCRA ( section623 ( a ) ( 3 ), FCRA, XXXX XXXX compliance ( 17a )

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 2024-05-11 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: FL

Complaint narrative:
XX/XX/XXXX ...... Surrendered Apt and relocated temporarily ... By XX/XX/XXXX a company named XXXX XXXX had put a collection in my credit report for a fraudulent amount of money. I had no idea what for or who they were... I acquired my credit reports from Experian, XXXX, and XXXX and have been disputing the entry since. I've written letters and complained on line throughout XXXX and XXXX. I've requested validation from the company and methods of verification from the 3 credit companies to no avail. The derogatory information in my credit profile has prevented me from securing a resident and now I'm registered as homeless trying to find affordable places to stay. I can not continue living like this. The information should be removed due to violation of FDCPA ( section807 ( 8 ), FCRA ( section623 ( a ) ( 3 ), FCRA, XXXX XXXX compliance ( 17a )

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 2024-05-11 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:
This is in response to the verified no change letters and emails I received regarding the charge off accounts on my attached credit reports. 

I followed your instructions to contact the companies responsible for placing this inaccurate charge off account on my credit report. However, despite all my efforts, the furnishers did not respond to my inquiries and EXPERIAN LOCKED MY ACCOUNT ACCESS! 

It is evident that this charge off account is inaccurate, as the creditor failed to provide any valid proof of its validity. According to the Fair Credit Reporting Act ( FCRA ), if the creditor can not substantiate the accuracy of these accounts, they are not permitted to report it to the credit bureaus. 

Regards, 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 2024-05-11 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 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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting a debt on my credit report that does not exist. I have requested validation of debt, including a signed contract/lease for the debt from XX/XX/XXXX - XX/XX/XXXX. I do not owe a debt. I did not have a contract or lease. I have requested this information from the Links and they have failed to provide because it does not exist. The Links sent fraudulent debt to XXXX XXXX XXXX XXXX and they have not provided validation of debt. I would like the contract between The Links and Fair Collections and Outsource and the financial information as to how much this alleged debt was purchased from by XXXX XXXX XXXX XXXX from the Links. Please provide audit trail and all contracts/leases. Please provide all agencies ( credit and financial ) that this information has been provided to.

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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting a debt on my credit report that does not exist. I have requested validation of debt, including a signed contract/lease for the debt from XX/XX/XXXX - XX/XX/XXXX. I do not owe a debt. I did not have a contract or lease. I have requested this information from the Links and they have failed to provide because it does not exist. The Links sent fraudulent debt to Fair Collections and Outsource and they have not provided validation of debt. I would like the contract between The Links and Fair Collections and Outsource and the financial information as to how much this alleged debt was purchased from by Fair Collections and Outsource from the Links. Please provide audit trail and all contracts/leases. Please provide all agencies ( credit and financial ) that this information has been provided to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: MD

Complaint narrative:
I had opened a SoFi account in XXXX and decided i was gon na use it later with the promo they have going on ( when you refer someone to them, you get a bonus and the other person who signs up under your referral link gets one too i believe ). I would log in a couple times over the month but I didnt know to how to access my balance for a while until last week when i could really understand how the app works and realized that whenever i would refer someone and i get the money, the money would be taken out at a XXXX XXXX XXXX North Carolina XXXX I am not from north carolina at all, i'm stationed in maryland and dont know anyone from there. I didnt even get the chance to use my account or use my card before 13 fraudulent transactions were made on my account. I contacted SoFi and the guy on the phone apologized for what happened and REASSURED and PROMISED me that I was getting all my money back and that he was disputing all of the charges. A couple days later, I get a update on all the disputes he made and all my disputes were DENIED but I dont understand because the transactions were originated from North Carolina and thats not where I am so where were these transactions authorized and have no error?? 

XXXX : I filed a complaint with CFPB and SoFi made no effort to fully investigate this transaction, and I was not allowed a chance to provide my own evidence to prove I did not make this transaction. They claim that the debit card was activated and a pin was used but I have not gone home ( in XXXX XXXX MD ) to get my card or activate it so that doesnt make sense. I am currently XXXX XXXX XXXX XXXX XXXX and have been for the past 8 months so I havent gone home to collect all my mail and cards. I will attach the police report I have filed due to this dispute and I have a lawyer currently investigating this further.

Company response to consumer: Closed with explanation