vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Kinum, Inc., Indianapolis, IN Branch
State: FL

Complaint narrative:
I received a call from a collection company named Kinum Inc. I believe they have a corporate office in VA and IN # XXXX XXXX XXXX. However, the local Fl # is XXXX XXXX XXXX. 

The collection call pertained to an outstanding medical bill owed to XXXX XXXX XXXX XXXX {$780.00}. XXXX XXXX XXXX is XXXX @ XXXX XXXX XXXX. 

I must first state that I agree that I owe the monies to XXXX as such I do not have a complaint again XXXX ; however, I do have a complaint against Kinum Inc, so by extension XXXX is part of this equation. XXXX has always been aware that I intended to start payment arrangement in XX/XX/XXXX after my XXXX was completed. I attempted to explain my intentions to the collection representative from XXXX named XXXX XXXX. The call took place on XX/XX/XXXX @ XXXX XXXX. During the call interaction XXXX XXXX for an unknown reason did not seem engaged but rather seemed more like a bully and although I never stated that I would not pay the bill ; her response to me shook me to my core because she stated and I quote " I would have MADE YOU pay the bill! '' Right away I felt uneasy at her approach and understanding my rights I let her know that she could not make me do anything. I soon disconnected the call. 

I notified the mngr of Kinum 's local office- XXXX XXXX and I agreed to make payments monthly. But it is important to know that I never recd any written correspondence from Kinum advising me that I have been placed in collections. Under what I feel to be duress, I made the arrangements and provided my banking information but now feel uncomfortable because XXXX XXXX 's treatment means that she now have my information and can do whatever she will with my information even totally wiping out my bank account. 

I do not want XXXX XXXX associated with the collection account at Kinum for fear of reprisal. I have voiced my complaint to XXXX who informed me that they have had complaints about Kinum 's practices, yet they continue to use them. XXXX XXXX seems to be a reflection of their collection practices regardless of the protections provided to me under the Fair Debt Collection law. XXXX XXXX had a bullying mentality, and approached the situation as if she does not have to abide by the laws of the State of Fla.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: OK

Complaint narrative:
US Bank credit card offered a Interest free balance transfer offer of 0 % for 13 billing cycles. I took advantage of the offer and the next billing cycle US Bank closed my account and raised the rate APR to 25 % with no reason why they closed 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 monetary relief
Consumer complaint received 2024-12-12 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: ACIMA CREDIT, LLC
State: ME

Complaint narrative:
I was not approved to buy a couch because they said I have had a collection on my account within the last 90 days. That is true however I disputed it and it was deleted off my credit. I had no knowledge of this account and believed it to not be mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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:
i just checked my credit profile for the first time and i have an account that was never mine and does not belong to me or inquiries my credit was hacked my social was hackedXXXX XXXX XXXX XXXX  - XXXX inquiry XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> these dont belong to me i need help in assitance my credit has been compromised

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 2024-12-12 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:
i just checked my credit profile for the first time and i have an account that was never mine and does not belong to me or inquiries my credit was hacked my social was hackedXXXX XXXX XXXX XXXX XXXX XXXXXXXX inquiry XXXX XXXX  XX/XX/year> XXXX DC XX/XX/year> these dont belong to me i need help in assitance my credit has been compromised

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SOFI TECHNOLOGIES, INC.
State: OH

Complaint narrative:
I was approved for financial assistance with an animal rescue I volunteer for. First time using zelle, after clarifying with Sofi customer service about my daily limit I resubmitted my request to comply with the limit and they restricted my account. I got a call Wednesday night they were unable to confirm their call to me and why I was requested to call back. This morning I woke up to a restricted account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after 30 days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the Equifax, XXXX, and XXXX data breach, which adds to my worries about the safety of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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: VA

Complaint narrative:
I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after 30 days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the XXXX, Experian, and XXXX data breach, which adds to my worries about the safety of my personal data.

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 2024-12-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Details : I am filing this complaint against Santander Consumer regarding the excessive phone calls and lack of follow-through on promised assistance with my car loan. 

In XX/XX/year>, I reached out to Santander because I was experiencing financial difficulties and began having trouble making my car payments. The frequent calls from customer service became overwhelming, so I sought assistance from Santanders corporate office. 

I spoke with a representative from corporate who assured me that Santander would work with me to address my financial hardship. I explained that I had to return to XXXX and was struggling to meet my payment obligations. This representative promised that Santander would either restructure my loan or defer my payments to the end of the loan term. However, despite these assurances, I never received a follow-up from the corporate office or the representative. 

Since then, the harassing calls from customer service have resumed, adding significant stress, particularly during the holiday season. Despite repeated efforts to resolve this matter, when I contact Santanders corporate office via email, they either claim they do not offer such a program or direct me back to customer service, who have not been helpful in addressing my hardship.

I understand my rights under the Fair Debt Collection Practices Act ( FDCPA ), which include the right to request a cease in communication and to limit communication to specific channels. I have previously expressed in writing my request to only communicate with corporate about my account, yet my request has not been honored. 
The lack of follow-through and constant harassment by customer service has caused me undue emotional distress and further financial strain. I respectfully ask for CFPB intervention to : 1. Investigate Santanders failure to provide promised hardship assistance.

2. Address their excessive and harassing phone calls.

3. Ensure they honor requests for limited communication as outlined under the FDCPA.

Thank you for your time and attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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: GA

Complaint narrative:
My account was never late! I have had exceptional payment history 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 to be updated.

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.

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! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-12-12 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: NC

Complaint narrative:
I received an updated credit report from Transunion on XX/XX/XXXX for the XXXX account. The late payment for XX/XX/XXXX was, in fact, deleted but is still showing on my credit 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 2024-12-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XX/XX/2024 XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, MN, XXXX Subject : Cease and Desist Demand and Formal Dispute of Information Dear XXXX XXXX XXXX, I am writing to formally dispute certain information on my credit report that I believe is inaccurate, unverifiable, or reported without my consent. Furthermore, this letter serves as a Cease and Desist Demand requiring you to stop reporting, sharing, or disseminating this disputed information.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute any information on my credit report and to ensure that all information being reported is accurate, fair, and verifiable. The following items are in dispute : Diversified Adjustments collection amount {$960.00} I also assert that I did not provide written authorization for the furnishing or dissemination of my credit information in relation to [ specific account or inquiry ]. Such activity violates 15 U.S.C. 1681b, which governs permissible purposes for obtaining and sharing consumer reports. 

Cease and Desist Demand : Effective immediately, you are to cease and desist any further reporting, sharing, or dissemination of this disputed information to third parties, including creditors, lenders, or any other entities. Continuing to report inaccurate or unauthorized information may result in further legal action, including complaints to regulatory agencies such as the Consumer Financial Protection Bureau ( CFPB ) or the Federal Trade Commission ( FTC ).

To resolve this matter, I request the following actions : Conduct a full investigation into the disputed information and provide me with written verification of its accuracy and permissibility.

If the information can not be verified, remove it from my credit report immediately.

Cease all reporting and dissemination of the disputed information while the investigation is ongoing and after resolution.

Provide me with a corrected and updated copy of my credit report.

Enclosed are copies of documents that support my dispute and verify my identity. Please acknowledge receipt of this letter in writing and complete your investigation within the time limits prescribed by law Failure to comply with this request may result in legal action to protect my rights under the Fair Credit Reporting Act and other applicable laws. 

Thank you for your immediate attention to this matter. Please contact me directly at [ your phone number ] or [ your email address ] if further clarification is needed. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: TX

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2024-12-12 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: NY

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND THESE ARE DAMAGING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT BECAUSE THESE ARE PURELY IDENTITY THEFT. 

Account Name : XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX  XXXX XX/XX/XXXX - Balance : {$730.00} XXXX Account Name : XXXX XXXXXXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXX  XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XX/XX/XXXX - Balance : {$4000.00} Account Name : XXXX  XXXX XXXX XX/XX/XXXX - Balance : {$5100.00} Account Name : XXXX XXXX XX/XX/XXXX - Balance : {$320.00} Account Name : XXXX XXXX XXXX XX/XX/XXXX - Balance : {$2300.00} Account Name : XXXX  XXXX XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$140.00} Account Name : XXXX XXXX  XXXX XXXX XX/XX/XXXX - Balance : {$1900.00} Account Name : XXXX  XXXX XX/XX/XXXX XXXX Balance XXXX {$0.00} Account Name : XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$1700.00} Account Name : XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX XX/XX/XXXX - Balance : {$1500.00} Account Name : XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$1800.00} UNAUTHORIZED INQUIRIES : XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2024-12-12 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: NY

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND THESE ARE DAMAGING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT BECAUSE THESE ARE PURELY IDENTITY THEFT. 

Account Name : XXXX XXXX  XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XX/XX/XXXX - Balance : {$730.00} 3B Account Name : XXXX  XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXX  XXXX XX/XX/XXXX - Balance : {$0.00} Account XXXX : XXXX XXXX XX/XX/XXXX - Balance : {$4000.00} Account Name : XXXX XXXX XXXX XX/XX/XXXX - Balance : {$5100.00} Account Name : XXXX XXXX XX/XX/XXXX - Balance : {$320.00} Account Name : XXXX XXXX XXXX XX/XX/XXXX - Balance : {$2300.00} Account Name : XXXX XXXXXXXX XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$140.00} Account Name : XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - Balance : {$1900.00} Account Name : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$0.00} Account Name : XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$1700.00} Account Name : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX XX/XX/XXXX - Balance : {$1500.00} Account Name : XXXX XXXX XXXX  XXXX XX/XX/XXXX - Balance : {$1800.00} UNAUTHORIZED INQUIRIES : XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2024-12-12 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: MI

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXXXXXX ] [ XXXX, mi XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/XXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Request for Removal of Paid Collection from Credit Report Dear CFPB Team, I am writing to formally dispute the continued reporting of a collection account on my credit report, despite the fact that it has been fully paid. The account in question is detailed below : Original Lender : XXXX XXXX Name : [ XXXX XXXX XXXX ] Date Assigned : XX/XX/XXXX Original Balance : {$250.00} Current Balance : {$0.00} ( Paid in full ) Under the provisions of the Fair Credit Reporting Act ( FCRA ), consumers are entitled to accurate and fair reporting of their credit information. The continued listing of this account as unpaid is inaccurate and misleading. 

Enclosed, I have provided proof of payment for this debt, demonstrating that the balance has been satisfied in full. I kindly request that this inaccurate entry be promptly removed from my credit reports with XXXX, TransUnion, and XXXX. 

Failure to address this issue may result in further action to protect my rights as a consumer. I trust that the CFPB will help ensure the compliance of the credit bureaus and the reporting agency with federal laws. 

Thank you for your attention to this matter. Please feel free to contact me directly if further information is required. 

Sincerely, [ XXXX XXXX XXXX ] Enclosures : Copy of the credit report showing the collection account Proof of payment for the collection 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 non-monetary relief