vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, I purchased a desktop computer from Dell and financed it through Dell Financial Services. See Exhibit A. I included a one year warranty in the purchase price. Exhibit B. The payments for the warranty were {$5.00} per month and extended through XXXX of XXXX. In approximately XXXX of XXXX, I received an email notifying me I could extend my warranty, I opted not to do so. In XX/XX/XXXX, I was notified that Dell had transferred its financing to a third party, Comenity Bank. See Exhibit C. 
In XXXX I received the statement for {$10.00} and I paid it without thought, knowing it was my last charge for the warranty about to expire. I then received another billing statement in XXXX. I called the number on the billing statement, XXXX and spoke to a call service representative of Dell. He told me Dell records showed that I owed no money to Dell. He took some time and came back to my call saying he had a notation on the record and sent me an email confirming that nothing was owed to Dell. See Exhibit D.

Then in XXXX, I received another billing statement. I again spoke to a Dell representative and she told me Dell records showed that I owed no money to Dell and she referred me to Comenity. I called Comenity and explained the issue. The representative came back on the line and told me that Comenity only billed for what Dell sent them. So, back to Dell. The representative again told me I owed nothing and a note would be put in my file again to correct. The Comenity representative stated she would prepare a dispute claim and I sent her the documentation for it. 
In XXXX, I received notice from Comenity that my claim was under investigation. See Exhibit E. In XXXX, another billing statement. Same merry-go-round as before and I was told the matter was still under investigation. XXXX, XXXX, I received another billing statement. See Exhibit F. I then wrote a letter and sent it XXXX to the general counsel for Dell with a copy to Comenity. Exhibit G. I have heard nothing from that correspondence, except another billing statement on XX/XX/XXXX. 
I have very little recourse except through you or the courts, and at XXXX, having been a XXXX XXXX for 47 years, I do not want to spend my time in court. I ask for your assistance. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-02 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: NJ

Complaint narrative:
XXXX XXXX This information is incorrect, I was never late on this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 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: NJ

Complaint narrative:
XXXX XXXX  This information is incorrect, I was never late on this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-01-02 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: NJ

Complaint narrative:
this debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and i didn't sign an agreement on. A legal contract is signed by two parties and i did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. 

XXXX. **Date of Last Activity : ** There's a discrepancy in the reported date of last activity among the three credit bureaus ( XXXX, XXXX XXXX TransUnion XXXX. Consistency across bureaus is essential for accurate reporting. 

XXXX. **Date Reported : ** The date reported is different for XXXX XXXX to the other bureaus, which could affect the interpretation of the information and might need clarification or correction. 

XXXX. **Account Rating and Description : ** While two bureaus report the account as " Paid, '' one bureau lists it as " Derogatory. '' Ensuring consistency in the account rating across all bureaus is crucial. 

XXXX. **Closed Date and Account Status : ** There's an inconsistency between the reported closed date and account status, especially with remarks like " Account has been closed due to inactivity '' and " Payment after charge off/collection. '' 5. **Creditor Remarks : ** The remarks provided by the creditors vary across the bureaus. They should accurately reflect the actual status of the account for consistency and clarity. 

XXXX. **Payment History : ** There are different late statuses ( 30, 60, 90 days ) reported across the bureaus for specific months. Consistency in reporting these late statuses is essential. 

XXXX. **Credit Limit : ** While the credit limit is reported consistently across all bureaus, it's mentioned in the remarks for one bureau, which might cause confusion. 

XXXX. **Dispute Status : ** Although the dispute status mentioned is " Account not disputed, '' if there are inaccuracies or discrepancies, it might be necessary to dispute these entries for correction.

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 2024-01-02 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: NJ

Complaint narrative:
this debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and i didn't sign an agreement on. A legal contract is signed by two parties and i did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. 

XXXX. **Date of Last Activity : ** There's a discrepancy in the reported date of last activity among the three credit bureaus ( Experian, XXXX XXXX XXXX XXXX. Consistency across bureaus is essential for accurate reporting. 

XXXX. **Date Reported : ** The date reported is different for XXXX compared to the other bureaus, which could affect the interpretation of the information and might need clarification or correction. 

XXXX. **Account Rating and Description : ** While two bureaus report the account as " Paid, '' one bureau lists it as " Derogatory. '' Ensuring consistency in the account rating across all bureaus is crucial. 

XXXX. **Closed Date and Account Status : ** There's an inconsistency between the reported closed date and account status, especially with remarks like " Account has been closed due to inactivity '' and " Payment after charge off/collection. '' 5. **Creditor Remarks : ** The remarks provided by the creditors vary across the bureaus. They should accurately reflect the actual status of the account for consistency and clarity. 

XXXX. **Payment History : ** There are different late statuses ( 30, 60, 90 days ) reported across the bureaus for specific months. Consistency in reporting these late statuses is essential. 

XXXX. **Credit Limit : ** While the credit limit is reported consistently across all bureaus, it's mentioned in the remarks for one bureau, which might cause confusion. 

XXXX. **Dispute Status : ** Although the dispute status mentioned is " Account not disputed, '' if there are inaccuracies or discrepancies, it might be necessary to dispute these entries for correction.

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 2024-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: TX

Complaint narrative:
I had been waiting for my loans to transfer from my previous provider XXXX to MOHELA, and on XX/XX/XXXX at XXXXXXXX XXXX received a welcome email from MOHELA with information regarding an on-boarding process, providing me with my account number to begin my online footprint with them as my new loan servicer. An hour later at XXXX XXXX that same day, I received an email again from MOHELA telling me I was PAST DUE on my account. I hadn't even formed a username and password with them, as I hadn't opened my email that morning until XXXXXXXX XXXX... I had made my payments for the previous months with XXXX so there shouldn't have been any outstanding balances, and MOHELA didn't have any records showing what the 'PAST DUE " balances were from as I have no history with them. When I tried to call, their phone lines and website had red flag notices declaring 'long wait times for calls due to unexpected call-volume ' so after several hours, I was not able to get through. XX/XX/2024 was the first payment due date with MOHELA and their offices were closed due to the holiday. I was not able to get in contact with them due to their high caller volume, and I want to remain in good standing with my payments, so I felt I had no choice but to pay the balance which included the suspicious 'PAST DUE " amount. I still have not been able to reach MOHELA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I was on a 3 month forebearance for XXXX XXXX XXXX XXXX  I called before XXXX to get an extension of the foreberance ( which is allowed by my investor ) and the representative told me to call back in after XXXX XXXX 

On XX/XX/XXXX, at about XXXX XXXX I called and requested an extension and spoke to a XXXX XXXX who told me I would get a letter in 3-5 days. 

I told her the first time they put it in the computer and I was given the answer while on the phone and then I asked to speak to a supervisor. 

She then stated she would take my information and have a supervisor call me back in 24 to 48 hours. I asked was anyone available and she sort of laughed and said no one was on the floor. That little laugh was very offensive. 

Her lack of urgency in providing needed assistance due to a hardship was incredible. 

I was told all I had to do was call back in and then I had back in.

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 2024-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Turke & Strauss LLP
State: WI

Complaint narrative:
XXXX XX/XX/XXXX I contacted XXXX XXXX XXXX  of my financial hardship and couldn't afford the payments any more I did make an agreement to pay but in XXXX of XXXX I couldn't afford the payments again due to substantial loss of income in XXXX their attorneys filed a small claim lawsuit. On XX/XX/XXXX, I was supposed to call in to the court system which I did. according to the courts I was not on their list to call in, so I ended up making a deal with their attorneys Turke and Strauss in XXXX, Wi which did not follow any federal and state collection laws. These attorneys also know I filed bankruptcy and still refuse to follow any laws on XXXX I received a letter stating that I have a court date for this debt. Mind you that this is after the fact I never seen or talked to a judge on this issue not to mention they had a judge sign off on a judgement to garnish my check which never heard my side of this situation. Like I said Turke and Strauss are not following collection laws

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Company continues to report negatively on my credit reports, despite being told it is not my debt numerous times. They had 30 days to provide proof of ownership which they failed to do

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I bought a watch at XXXX 's Jewelers, they use Synchrony Bank for their in store financing offers. I was given the option of selecting either a 0 % interest for 12 months offer or a 9.99 % interest for the term of the payment plan offer. I selected the 9.99 % offer because I was not planning on paying the watch off in 12 months and all acrued interest would hit my account if not paid in full in 12 months. I purchased the watch and started receiving the electronic bills from Synchrony. I paid several months worth of payments without checking the statements- the intial balances was exactly what I expected and the payments were not outrageous ( a little higher than I expected but I chalked it up to my mental math on the day of the sale ). 
I finally logged in to the synchrony app, 6-7 months after the initial purchase and I noticed that I was being charged 29.99 % interest on my card, rather than the 9.99 % I had requested at the time of purchase. I reached out to Synchrony and they told me that the time to dispute interest had passed and I had no recourse. I told them that this was obviously a mistake because the 9.99 % rate is advertised on XXXX XXXX 's website and it's a standard promotion that they ALWAYS offer. I asked Synchrony to escalate this issue internally as there is current proof on XXXX 's website of the valid promotion that I should be eligible for. They escalated and returned with " The store did not apply the promo when they submitted your file- reach out to the store for further assistance. '' I went back to the store where I purchased the watch and I was told that they could not do anything with regards to getting Synchrony to fix my APR and I would have to work it out with Synchrony. Synchrony should not be allowed to charge me an interest rate almost 3 times higher than what I thought I signed up for, just because a store associate made a mistake. 
My inital purchase was made on XX/XX/2022 in the amount of {$4000.00}. after 13 months of payments, I still owe {$3400.00} and I've been charged almost $ XXXX in interest when it should have been closer to $ 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 2024-01-02 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: 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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 non-monetary relief
Consumer complaint received 2024-01-02 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: NJ

Complaint narrative:
this debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and i didn't sign an agreement on. A legal contract is signed by two parties and i did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. 

1. **Date of Last Activity : ** There's a discrepancy in the reported date of last activity among the three credit bureaus ( Experian, XXXX XXXX XXXX XXXX. It's important for this date to be accurately reported and consistent across all bureaus. 

2. **Payment History : ** The payment history is not consistent across the bureaus. While some months show different late statuses ( 30, 60, 90 days late ), others show no reported history. Ensuring accurate and consistent reporting across all bureaus is essential. 

3. **Account Status : ** The reported account status seems inconsistent or contradictory between the remarks and the reported payment statuses. The account status should reflect the actual payment history and current situation accurately. 

4. **Closed Date and Account Status : ** There's an inconsistency between the reported closed date and the account status, especially with the remark " Account has been closed due to inactivity. '' It's important to clarify whether the account was closed due to inactivity or as a charged-off account.

5. **Creditor Remarks : ** The creditor remarks vary across the bureaus, with different statements about the status of the account. It's important for these remarks to accurately reflect the actual circumstances surrounding the account.

6. **Credit Limit : ** There's inconsistency in reporting the credit limit, which should ideally be accurately reflected across all bureaus.

7. **Dispute Status : ** Although the dispute status mentioned is " Account not disputed, '' if there are inaccuracies or discrepancies

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 2024-01-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DigniFi
State: KY

Complaint narrative:
received notice that a new debit from Diginifi-Confident Financial Solutions was added to my credit report on XX/XX/2023. I did not take out this loan and do not know who this company is. I tried to contact the company on several occasions however they would not work with me. Filed a identity theft report with Identitytheft.gov and still no reslolve. Have sent letters and still no response. Filed a freeze on my account with all creditors and sent all creditors XXXX, XXXX, and XXXX letters to remove the false debit which was done. Dignifi was removed from credit report but was now added back due to Diginifi adding it back again. I state again this is not my debit and I do not know who Diginifi is.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Please correct this immediately. It says I was late or bankrupt but I can't find any proof of that.You know those cases, XXXX XXXX Experian Information Solutions XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? US BKPT CT FL XXXX XXXX BankruptcyXXXX Discharged XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy 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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to file a formal complaint against Experian concerning their failure to respond to my dispute letter within the mandated 30-day timeframe, as per the Fair Credit Reporting Act ( FCRA ). On XX/XX/2023, I submitted a dispute through Experian 's online document upload form, contesting the accuracy of several entries on my credit report. The disputed items include incorrect personal information, as well as account listings for XXXX XXXX  XXXX - XXXX, XXXX XXXX XXXXXXXX - XXXX, XXXX - XXXX, XXXX XXXX XXXX - XXXX, and public record XXXX. 

Despite the considerable time that has passed since my dispute submission, I have not received any response or acknowledgment from Experian. This lack of action and non-response from Experian is a clear violation of the FCRA 's stipulation that credit reporting agencies must address consumer disputes within 30 days of receipt.

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