vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
Received a phone call today ( XXXX ) that I would be served for a credit card debt of approximentaly {$2100.00} For XXXX XXXX XXXX XXXX from XXXX. 

I have not received any notification of this by mail nor has it showed on my credit report and this debt is XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc
State: CA

Complaint narrative:
I tried to call and can not contact a person to discuss closure of the card. I feel uncomfortable telling them personal information ecause of high probability of fraud activity. 

I received my cards in the mail on XX/XX/year>. A card for a bank account and for a credit card, neither of which I opened. I looked in my email spam and realized a week prior I had recieved some emails from them about an account being opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I'M XXXX  YEARS OLD I STAYED AT THIS ADDRESS FOR OVER XXXX  YEARS NOW I HAVE A DIFFENT ADRESS ON MY CREDIT REPORTS AS XXXX XXXX XXXX XXXX AND ALSO XXXX XXXX XXXX XXXX  AND XXXX XXXX XXXX XXXX FRAUDULENT INFO
.I NEEDTHIS TO BE REMOVE OFF MY CREDIT REPOTT I HAVE CONTACTED BOTH CREDIT BUREAUS 
CAN YOU'LL HELP ME 
THANKS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: DE

Complaint narrative:
These inquiries were not initiated or approved by me, and I believe they are fraudulent. The inquiries in question are as follows : XXXX ( XXXX inquiries ) XXXX  XXXX XXXX XXXX XXXX XXXX ( XXXX inquiries ) XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I did not authorize any of these inquiries and am requesting that they be removed from my credit report immediately. These fraudulent inquiries have negatively impacted my credit score and do not reflect my credit activity accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe
State: CA

Complaint narrative:
this is not my debt the information of the debt owned by this person does not match my own personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received an alert through XXXX through XXXX that a credit card that has been open since XXXX  2023 was XXXX XXXX over the credit limit. It was issued from CBNA and Wayfair. I called Citi to open an investigation, yet they could not answer why a credit card was issued in my name and SSN, but with a different address, phone number, and driver 's license that what it's on my Citi profile, where I have a bank account. I don't know why an investigation could take XXXX  days and negatively affect my credit score in the mean time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCSPLUS INCORPORATED
State: CT

Complaint narrative:
In XXXXXXXX XXXX XXXX, I was contacted by NCSPLUS Incorporated regarding a {$15.00} debt due to XXXX XXXX XXXX XXXX XXXX I sent a {$15.00} money order using the remittance stub and envelope provided. The money order was sent on XX/XX/year> and I considered this matter closed since the money order was cashed within 14 days of being sent on XX/XX/XXXX, XXXX initial contact stated that I had until XX/XX/year> to pay the debt or dispute the debt. The debt was paid in full by XX/XX/year>. 

I received two threatening letters from NCSPLUS Incorporated dated XX/XX/year> and XX/XX/year> stating that the debt remained unpaid and that they would report the {$15.00} debt to the three credit bureaus. At the time NCSPLUS Incorporated drafted these letters ( XX/XX/XXXX and XX/XX/year> ) the debt had already been satisfied in full. 

I confirmed with the XXXX XXXX XXXX XXXX on the morning of XX/XX/year> that there is NO BALANCE OWED ON MY ACCOUNT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
In 2022 I took out a title loan at TitleMax, something I had done already before, but when I received the loan the man at the desk bragged in front of me and another customer that by the end of the week he would be driving around in our cars, besides that the man giving me the loan never disclosed any specifics of the loan he just told me to sign with an electronic pen without looking at the papers, ever since then I paid my balance each month {$300.00} never realizing that I was just paying interest and to refinance, not the principal, its been a year now and the only reason I fell behind on refinancing was because I lost my car and my job, they still have the title loan but will not repossess the vehicle, I do not have it due to a separate incident involving a mechanic but I gave TitleMax the address for him and now TitleMax keeps calling asking me for more money even though I already tried working it out with them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 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: NV

Complaint narrative:
Equifax never served by clerks in Federal Lawsuit and violation of Seventh Amendment XXXX XXXX. 

When the SEC seeks civil penalties against a defendant for securities fraud, the Seventh Amendment entitles the defendant to a jury trial. 

SEC v. Jarkesy, 603 U.S. ___ ( 2024 ) 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
My Care Credit account through Synchony Bank purposely put me over my limit with no notice. I had a {$3000.00} limit and now they just randomly changed it to less than my balance which put me over my limit and in turn is hurting my credit score because now I am in the negative with the creditor. How can a bank make your credit limit less than the amount you owe? I make my monthly payments timely. This is an unfair practice. I might could understand if I did not make my payments on time but I do. My credit limit should not be less than the amount I owe. This makes no sense and is unfair to me as a consumer. 
I originally filed a complaint with FDIC after getting nowhere with a Care Credit/Synchrony representative and I have not heard anything from Care Credit. 
Thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: IL

Complaint narrative:
I request that these inaccuracies be corrected and that my credit report be updated to reflect these accounts as " XXXX XXXX XXXX. '' Please conduct a thorough investigation and update my credit report accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 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: NJ

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 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: NJ

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 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: NJ

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 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: 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have hard inquries on my account I do not recognize. I have already contacted the banks with the inquiries and they do not have my personal information. I would like these deleted. 

Hard Inquries : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Hello, I was unsure if I could edit or make adjustments to the initial complaint that I submitted on XX/XX/XXXX, so I decided to file an additional complaint only for the purpose of adding additional documentation. I have included an email that I sent to XXXX University requesting some sort of summary that would show that the XXXX XXXX XXXX XXXX paid for my tuition in full for the XXXX semester year. The school provided me with my student account summary for all semester years. Please see attachment. Also, I am providing my scholarship award letter for the XXXX XXXX semester years. I am providing this information for added support and transparency. I am being completely honest regarding this situation and would like the CFPB as well as Navient to know that. The rule by the CFPB is clear regarding private student loans and I am only asking that Navient be fair and cease collection on my loan. 

Thank you

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

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 2024-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: MS

Complaint narrative:
Bridgecrest calls and I have signed and stated on an Authorization to Communicate that my wife XXXX XXXX is the contact person on this acct. I bought the car for her. I have asked them to allow her to do whatever needs to be done on this acct. She pays for this vehicle..she does everything in regards to this vehicle. Today they called after speaking with a representative XXXX ago who supposedly notated the account and told us to call back on the XX/XX/XXXX for a deferral. The deferral is need because i just had major XXXX and won't return to work until XX/XX/XXXX. The XXXX representative ( XXXX ) on the phone told me we were given incorrect information by the previous agent. I asked XXXX XXXX a deferral and was told we don't qualify for XXXX. The acct has to be at least XXXX old and he went to rambling on..Our acct is XXXX old. ( didn't make sense ) I told him this. He said he had to speak with XXXX on this account for changes. I told him I do simple interest loans everyday and wasn't understanding why we couldn't just get this payment moved to the end of the loan what is so hard about that. So he placed me on hold and came back with a more authoritative tone in his voice and I snapped. I told him this is not what we are going to do today. I need to speak to a supervisor immediately and don't put me on hold XXXX mins to get XXXX. Finally XXXX came on the line and stated she is a XXXX. I told her we were requesting a deferral on the account. She stated they had other options available and she also needed to speak to XXXX. XXXX got on the phone and her option was a payment plan based on their payment schedule. After she questioned him about his employment status. He told her No. He has other bills to cover in our home. He also asked what was the problem with doing the deferral. No feasible answer was given. But she circled back to the payment plan again. We both told her that would be a hard No! I then told her to notated the account that I would be contacting CFPB. She said it was notated. Then placed us on hold she came back and read a script that stated we may or may not be approved for a deferral. 
I then asked for XXXX 's last name and correct. She refused the last name and stated she was a XXXX in general. She did confirm XXXX 's name. We disconnected the call. And I filed this complaint. My wife is the go to on this account. If Bridgecrest needs anything on this account they need to contact XXXX XXXX not me ( XXXX ). I would greatly appreciate some help with the poor/bullying customer service they are giving please

Company response to consumer: Closed with explanation