vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: MO

Complaint narrative:
My balance increased by XXXX $ And didn't close my account

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 2024-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to dispute the following information that appears on my equifax credit report. 

*Incorrect payments *account date inaccurate * account remains open, Not Open. 

Company name- XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Remove this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
There are inquiries on my report that I did not consent. It is against the law to report inaccurate information.

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 2024-01-07 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Hello I am disturbed by the fact that JCPenny did not tell me that the interest rate was over 31 %. This is an out right robbery and, although I tried to absorb the amount onto another credit card with a no interest or lower interest rate I was not allowed to do so. Finding out today XX/XX/XXXX about this is very upsetting to me.The person I spoke with stated it was according to the FTC. I did not agree. I hope this can assist me in having this company lower the interest rate. Thank you

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 2024-01-07 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: CT

Complaint narrative:
I requested the credit bureaus to verify everything on my credit report, and they did. They stated that everything was accurate, and I did thorough research and found proper inadequacies dates on the credit report even after they did. Account : XXXX XXXX XXXX Under the fair credit reporting act, XXXX  account # XXXX with XXXX has violated my rights. 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 also states a consumer reporting agency can only furnish an account with my written instructions.

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 2024-01-07 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: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting 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 2024-01-07 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: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: AR

Complaint narrative:
In accordance with the Fair Credit ReportingAct this creditor has violated my rights under 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 an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. It try is against the law to report late payments on open end consumer credit which includes credit cards.

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 2024-01-07 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: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting 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 2024-01-07 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:
A request was submitted multiple times, most recently in XX/XX/2023 to have this inaccurate reporting removed from my credit report. The furnishers of information responded claiming this account was accurate with no proof of debt validation or details involved in the investigation. 

I am not liable for this debt with XXXX XXXX XXXX  for {$370.00}. I do not have a contract with XXXX XXXX, and they did not provide me with the original contract as requested. Pursuant to 18 USC 8, I owe no debt.

This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4.

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 2024-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
Indigo Mastercard also previously known as genesis fs card services is a huge scam, i fell behind on payments and they email me an offer settlement which i agreed on and paid. 3 weeks later my credit is hit saying Im past due on my account when i have proof showing i settled and got a letter showing the remaining balance was forgiven and account was closed and monthly my account balance still shows its going up on a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NY

Complaint narrative:
MOHELA has been confusing to work with since the start of loan repayment. They also do not allow payments made XXXX  days in advance to count for the next upcoming payment. I wanted to pay off a few months in advance, but was unable to do so. However, the main issue right now is the following : On XX/XX/XXXX, I received an email from MOHELA saying that my payments from XX/XX/XXXX to XX/XX/2023, would be counted toward my future payments. I had already made {$590.00} in payments during that time, and my monthly payment is {$430.00}. 

On XX/XX/XXXX, I received a bill saying that I owe {$430.00} by XX/XX/XXXX. This doesn't make sense. My XXXX bill, and {$160.00} of my XXXX bill should be covered by my past payments. I wrote to MOHELA -- since it is virtually impossible to get through to anyone on the phone -- that I want my payments applied properly to my future payments or to send me a refund so that I can pay my XXXX bill on time. I would prefer if they simply applied my payment to future payments. 

MOHELA did not take either of these actions. Instead, they called and left a voicemail asking me to call back. Again, it is virtually impossible to get through to anyone on the phone, so this situation has been left unresolved. 

MOHELA has been an absolute nightmare to work with, especially during this transitional period back to paying student loans. MOHELA should not be permitted to require any due payments until they have worked out their many issues, as they are causing a great deal of financial stress on loan payers who are already XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
EXUIFAX BY WAY OF XXXX XXXX XXXX IS REPORTING A COLLECTION OF XXXX XXXX  {$290.00}, XX/XX/2023. THIS IS FALSE CREDIT REPORTING AND NEEDS TO BE DELETED FROM MY EQUIFAX CREDIT FILE BECAUSE IT IS SLANDERIOUS TO MY CHARACTOR AND REPUTATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
In XXXX of 2023, I misplaced my wallet and my entire family helped me search for it. This can be seen on our security cameras. However, I soon discovered that someone was attempting unauthorized transactions using my frozen cards. I immediately reported these transactions to the respective businesses and froze all my cards, including credit cards, child support, Navy Federal XXXX and XXXX cards, and XXXX. I also noticed unauthorized airline transactions and other suspicious activity with my Navy Federal account, so I filed a fraud claim and informed the banking institution. To address the ongoing transactions, I filed a police report and contacted the police when the perpetrator made XXXX fraudulent transactions at XXXX. I also reached out to the store and informed them about the fraudulent card being used. Unfortunately, they advised me to contact the police as they couldn't assist in this situation. The police provided me with documentation confirming that I was a victim of fraud, which I promptly provided to Navy Federal. However, despite providing all the necessary documentation, including screenshots and police paperwork, the financial institution has not returned my XXXX Bank funds amounting to {$2200.00}. This failure to return my funds is having a significant impact on my corporate business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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:
A request was submitted multiple times, most recently in XX/XX/2023 to have this inaccurate reporting removed from my credit report. The furnishers of information responded claiming this account was accurate with no proof of debt validation or details involved in the investigation. 

I am not liable for this debt with XXXX XXXX XXXX  for {$370.00}. I do not have a contract with XXXX XXXX, and they did not provide me with the original contract as requested. Pursuant to 18 USC 8, I owe no debt.

This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: NC

Complaint narrative:
This is an inappropriate system to be disregarded and taken advantage of while a great deal of guidelines are broken due to carelessness and the earnestness of not survey what is happening in a serious manner. Has caused Financial injury and analysis of character close by at least 30 days of no response

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07 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:
I am not liable for this debt with XXXX Bank for {$640.00}. I do not have a contract with XXXX XXXX XXXX XXXX, and they did not provide me with the original contract as requested. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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:
In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX XXXX XXXX XXXX has violated my rights. 

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 an 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 moreover 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 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 2024-01-07 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: FL

Complaint narrative:
In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX XXXX XXXX XXXX has violated my rights. 

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 an 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 moreover 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 2024-01-07 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: NJ

Complaint narrative:
XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX TX XXXX Dear sir, I would like to request the investigation over the soft inquiry, which you have asked Equifax on XX/XX/XXXX of 2023 over XXXX XXXX. Since I have no knowledge of your company and dont have any credit card or financial assistance, I would like you check whether you have provided any financial assistance to somebody. This request is performed due to the notice of Equifax submitted to the Consumer Financial Protection Bureau. If you have provided any financial assistance to somebody except me, XXXX XXXX, would you endeavor to stop that service for your own benefit. In any case, I state I never had the financial service from your company, since I had so much difficulty to locate your company in web search. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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:
I am not liable for this debt with XXXX XXXX for {$2600.00}. I do not have a contract with XXXX XXXX, and they did not provide me with the original contract as requested. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4.

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 2024-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CCS Financial Services, Inc.
State: OK

Complaint narrative:
XXXX I have requested the deletion of the account listed as XXXX collection via 3rd party debt collector credit collection company. 

XXXX The said collection company has not responded to the validation of the debt regarding the account registered to my credit report. Fair Debt Collection Practices USC 1692g investigation in the FCRA section 623.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: DISCOVER BANK
State: MD

Complaint narrative:
I initiated a balance transfer in the amount of {$3000.00} on XX/XX/2023 on my Discover account. The purpose was to pay off the remaining balance of {$3000.00} on my XXXX account. I called XXXX  companies today and no one can explain where the money is, but, Discover has posted the charge to my discover account. Now I have had to initiate another balance transfer with the funds going to my checking account so that I can pay off the XXXX balance before the promotional period runs out. So now I'm being charged another finance fee and I was told that the initial balance transfer could not be cancelled even though they do not know where the funds are.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-07 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 not liable for this debt with XXXX XXXX for {$2600.00}. I do not have a contract with XXXX XXXX, and they did not provide me with the original contract as requested. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4.

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 2024-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX place a collection on my credit report I don't owe or know who XXXX credit is

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: FL

Complaint narrative:
In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights.

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 an 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 moreover 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 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