vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SoLo Funds Inc.
State: NC

Complaint narrative:
I received a loan from Solofunds, which had not been repaid. Solofunds turned me over to XXXX XXXX, a debt collection company. I was able to set up a payment plan with XXXX for the total amount owed of {$780.00}. The payment plan was for {$50.00} every two weeks beginning on XX/XX/XXXX until the total debt was paid. Not only did XXXX debit the first payment of {$50.00} from my bank account, but Solofunds debited the entire amount of {$780.00} from my bank account. I called XXXX first and explained what had happened. They suggested I reach out to Solofunds, to let them know I was working with XXXX and had a payment plan set up, and to request a refund. Solofunds does not have a telephone number you can use to reach out for support, just an e-mail address. Despite multiple e-mails to Solofunds, they have not responded to me or attempted to assist with this situation. I believe turning me over to a collection company but then collecting on the entire amount to be unfair debt collection practices. The lack of communication between Solofunds and XXXX is unacceptable. The " double-dipping '' of funds is unacceptable. The lack of communication to individuals from Solofunds to resolve problems is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AR

Complaint narrative:
I had previously received an email from another company called XXXX XXXX about the same account, I disputed it and they never responded to verify the debt, therefore it was closed and removed from my credit reports. Then recently I received another email from another company called Jefferson Capital trying to collect the same account. I also disputed it with them last month and requested verification, and they never responded either for over 30 days. During that time they never stopped collection activities, I have received calls and emails. And the account just showed up on my credit report today even though the debt wasnt verified and I didnt get any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX  Account # XXXX has violated my rights. 



15 USC 1681 section 602 A 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 accounts without my written instructions.

1. 15 USC ( 1666b ) Acreditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX XXXX XXXX Account Number : XXXX please update all late payments, all payments was made on time 2. 15 USC ( 1666b ) Acreditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX Account Number : XXXX please update all late payments, all payments was made on time 3. 15 USC ( 1666b ) Acreditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX XXXX XXXX Account Number : XXXX please update all late payments, all payments was made on time XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. The following account is not mine XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. The following account is not mine XXXX XXXXXXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. 15 USC ( 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 XXXX XXXX XXXX Account Number : XXXX please update all late payments, all payments were made on time I SENT OUT DISPUTE LETTER TO REMOVE LATE PAYMENTS BECAUSE Under 15 USC 1681a ( 2 ) ( A ) ( i ) late payments are transactions and transactions are excluded from a consumer report. 

Also, I DISPUTED ACCOUNTS THAT WERE NOT MINE, AND CREDIT BUREAUS STILL LEFT ON MY REPORT AND DIDN'T COMPLY WITH THE FEDERAL TRADE COMMISSION

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 2024-02-19 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: PA

Complaint narrative:
According to the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), it's explicitly stated that consumer reporting agencies, like XXXX, Transunion, and XXXX, must conduct their responsibilities with fairness, impartiality, and respect for consumer privacy rights. As a consumer, I'm asserting my rights supported by 15 USC 6801, which emphasizes Congress 's policy that financial institutions must consistently respect the privacy of their customers and safeguard their nonpublic personal information. The entity supplying information to credit agencies, categorized as a financial institution, is bound by these obligations. According to 15 USC 1681 section 604a ( 2 ), any consumer reporting agency can furnish a consumer report only in accordance with the written instructions of the concerned consumer. Both the financial institution and the consumer reporting agencies, XXXX, Transunion, and XXXX, lack my consent and, more crucially, my written consent to furnish this information. Any form of consent, whether verbal, non-verbal, written, implied, or otherwise, is now revoked by me. Contrary to the provisions of 15 USC 6802 ( b ) ( c ), the financial institution failed to inform me of my right to exercise nondisclosure options. Moreover, as per 15 USC 1681C ( a ) ( 5 ), XXXX, Transunion, and XXXX are unlawfully reporting adverse items without my permission, a violation of the law. Section 1681s2 ( A ) ( 1 ) A of the U.S. Code clearly stipulates that a person must not furnish inaccurate information to a consumer reporting agency. XXXX and XXXX are thus in breach of this requirement. Additionally, 15 U.S. Code 1681e mandates every consumer reporting agency to maintain reasonable procedures to prevent violations of section 1681c and to limit the furnishing of consumer reports to the purposes outlined in section 1681b. XXXX, Transunion, and XXXX are failing to uphold these reasonable procedures. Lastly, according to 12 CFR 1016.7, I retain the right to opt out of your reporting services at any time, and I am hereby exercising that right. I expect these concerns to be promptly addressed to avoid legal repercussions.

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 2024-02-19 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: PA

Complaint narrative:
According to the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), it's explicitly stated that consumer reporting agencies, like XXXX, XXXX, and Equifax, must conduct their responsibilities with fairness, impartiality, and respect for consumer privacy rights. As a consumer, I'm asserting my rights supported by 15 USC 6801, which emphasizes Congress 's policy that financial institutions must consistently respect the privacy of their customers and safeguard their nonpublic personal information. The entity supplying information to credit agencies, categorized as a financial institution, is bound by these obligations. According to 15 USC 1681 section 604a ( 2 ), any consumer reporting agency can furnish a consumer report only in accordance with the written instructions of the concerned consumer. Both the financial institution and the consumer reporting agencies, XXXX, XXXX, and Equifax, lack my consent and, more crucially, my written consent to furnish this information. Any form of consent, whether verbal, non-verbal, written, implied, or otherwise, is now revoked by me. Contrary to the provisions of 15 USC 6802 ( b ) ( c ), the financial institution failed to inform me of my right to exercise nondisclosure options. Moreover, as per 15 USC 1681C ( a ) ( 5 ), XXXX, XXXX, and Equifax are unlawfully reporting adverse items without my permission, a violation of the law. Section 1681s2 ( A ) ( 1 ) A of the U.S. Code clearly stipulates that a person must not furnish inaccurate information to a consumer reporting agency. Equifax and XXXX are thus in breach of this requirement. Additionally, 15 U.S. Code 1681e mandates every consumer reporting agency to maintain reasonable procedures to prevent violations of section 1681c and to limit the furnishing of consumer reports to the purposes outlined in section 1681b. XXXX, XXXX, and Equifax are failing to uphold these reasonable procedures. Lastly, according to 12 CFR 1016.7, I retain the right to opt out of your reporting services at any time, and I am hereby exercising that right. I expect these concerns to be promptly addressed to avoid legal repercussions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
THIS ON GOING INVESTIGATION WAS WHEN ALL XXXX CREDIT VENDORS SAID I HIRED XXXX TO HANDLE MY PAYMENT AFFAIRS WHICH I DID NOT. MY CARDS WERE IN GOOD STANDING AND UP TO DATE WITH PAYMENTS AND AN ACCEPTABLE CREDIT SCORE. THEY ASKED FOR PROOF I DID NOT HIRE XXXX XXXX AND CANCELLED ALL SERVICES XXXX SAID i HIRED THEM FOR. BUT NO PROOF OF PAYMENT TO XXXX WAS GIVING NO PROOF I HIRED XXXX XXXX AT ALL BUT THE CREDIT VENDORS REPORTED MY POAYMENTS AS LATE AND CANCELLED ALL CARDS AND ACCTS. IN TURN MESSING MY CREDIT SCORE WAY BAD. IT'S IN THE LOW XXXX 'S RIGHT NOW AND I'M STILL MAKING ABOVE MIN PAYMENTS AND STILL KEEPING MY END STRAIGHT AND YET MY CREDIT SCORE REMAINS BAD. I AM WITH SECTION XXXX FEDERAL HOSUING AND I CAN NOT KEEP AN APARTMENT WITH BAD CREDIT. SEC XXXX ONLY GIVES PEOPLE ONE SHOT AT A PLACE TO LIVE ONLY ONCE. NO SECOND CHANCES. I WANT MY CREDIT SCORE TO RETURN TO GOOD AND FOR ALL CREDIT VENDORS TO HONOR THEIR PAYMENT PROGRAMS I HAVE ENTERED IN TO TO PAY ALL THESE BALANCES OFF. I HAVE PROOF OF CANCELLATION LETTER FOR XXXX XXXX EVEN THOUGH I NEVER HIRED THEM AND I'V E GOT BANK STATEMENTS SHOWING MY PAYMENT HISTORY BEING IN THE GOOD WITH ALL CREDITORS. I ALSO HAVE EMAILS OF CAPITAL ONE THREATENING ME ABOUT LATE PAYMENTS WHEN I WASN'T LATE. THEY'VE ALSO GOT ME CHARGED WITH CASH ADVANCE INTERESTS AND I DON'T HAVE CASH ADVANCES I'V E GOT PROOF OF THAT TOO.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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:
THIS ON GOING INVESTIGATION WAS WHEN ALL XXXX CREDIT VENDORS SAID I HIRED XXXX TO HANDLE MY PAYMENT AFFAIRS WHICH I DID NOT. MY CARDS WERE IN GOOD STANDING AND UP TO DATE WITH PAYMENTS AND AN ACCEPTABLE CREDIT SCORE. THEY ASKED FOR PROOF I DID NOT HIRE XXXX XXXX AND CANCELLED ALL SERVICES XXXX SAID i HIRED THEM FOR. BUT NO PROOF OF PAYMENT TO XXXX WAS GIVING NO PROOF I HIRED XXXX XXXX AT ALL BUT THE CREDIT VENDORS REPORTED MY POAYMENTS AS LATE AND CANCELLED ALL CARDS AND ACCTS. IN TURN MESSING MY CREDIT SCORE WAY BAD. IT'S IN THE LOW XXXXXXXX XXXX  RIGHT NOW AND I'M STILL MAKING ABOVE MIN PAYMENTS AND STILL KEEPING MY END STRAIGHT AND YET MY CREDIT SCORE REMAINS BAD. I AM WITH SECTION 8 FEDERAL HOSUING AND I CAN NOT KEEP AN APARTMENT WITH BAD CREDIT. SEC 8 ONLY GIVES PEOPLE ONE SHOT AT A PLACE TO LIVE ONLY ONCE. NO SECOND CHANCES. I WANT MY CREDIT SCORE TO RETURN TO GOOD AND FOR ALL CREDIT VENDORS TO HONOR THEIR PAYMENT PROGRAMS I HAVE ENTERED IN TO TO PAY ALL THESE BALANCES OFF. I HAVE PROOF OF CANCELLATION LETTER FOR XXXX XXXX EVEN THOUGH I NEVER HIRED THEM AND XXXX XXXX GOT BANK STATEMENTS SHOWING MY PAYMENT HISTORY BEING IN THE GOOD WITH ALL CREDITORS. I ALSO HAVE EMAILS OF XXXX XXXX THREATENING ME ABOUT LATE PAYMENTS WHEN I WASN'T LATE. THEY'VE ALSO GOT ME CHARGED WITH XXXX XXXX INTERESTS AND I DON'T HAVE XXXX XXXX I'V E GOT PROOF OF THAT TOO.

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 2024-02-20 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: NC

Complaint narrative:
THIS ON GOING INVESTIGATION WAS WHEN ALL XXXX CREDIT VENDORS SAID I HIRED XXXX TO HANDLE MY PAYMENT AFFAIRS WHICH I DID NOT. MY CARDS WERE IN GOOD STANDING AND UP TO DATE WITH PAYMENTS AND AN ACCEPTABLE CREDIT SCORE. THEY ASKED FOR PROOF I DID NOT HIRE XXXX XXXX AND CANCELLED ALL SERVICES XXXX SAID i HIRED THEM FOR. BUT NO PROOF OF PAYMENT TO XXXX WAS GIVING NO PROOF I HIRED XXXX XXXX AT ALL BUT THE CREDIT VENDORS REPORTED MY POAYMENTS AS LATE AND CANCELLED ALL CARDS AND ACCTS. IN TURN MESSING MY CREDIT SCORE WAY BAD. IT'S IN THE LOW XXXX 'S RIGHT NOW AND I'M STILL MAKING ABOVE MIN PAYMENTS AND STILL KEEPING MY END STRAIGHT AND YET MY CREDIT SCORE REMAINS BAD. I AM WITH SECTION 8 FEDERAL HOSUING AND I CAN NOT KEEP AN APARTMENT WITH BAD CREDIT. SEC 8 ONLY GIVES PEOPLE ONE SHOT AT A PLACE TO LIVE ONLY ONCE. NO SECOND CHANCES. I WANT MY CREDIT SCORE TO RETURN TO GOOD AND FOR ALL CREDIT VENDORS TO HONOR THEIR PAYMENT PROGRAMS I HAVE ENTERED IN TO TO PAY ALL THESE BALANCES OFF. I HAVE PROOF OF CANCELLATION LETTER FOR XXXX XXXX EVEN THOUGH I NEVER HIRED THEM AND I'V E GOT BANK STATEMENTS SHOWING MY PAYMENT HISTORY BEING IN THE GOOD WITH ALL CREDITORS. I ALSO HAVE EMAILS OF XXXX  XXXX THREATENING ME ABOUT LATE PAYMENTS WHEN I WASN'T LATE. THEY'VE ALSO GOT ME CHARGED WITH XXXX XXXX INTERESTS AND I DON'T HAVE XXXX XXXX I'V E GOT PROOF OF THAT TOO.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: OH

Complaint narrative:
Debt was paid in full to XXXX, the Electric provider. Collection company, Eastern Account System, claims entire amount paid to XXXX is the debt I owe them. XXXX processed payment XX/XX/24. My credit took a hit of XXXX points because of the clerical issue, right as I'm in the process of replacing my car.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Healthcare Finance Direct LLC.
State: CA

Complaint narrative:
I signed up for XXXX XXXX XXXX in XXXX of 2022. They are a dental company that provides aligners to patients to straighten their teeth. In my case, I went to a dental office and had a consultation and signed up for treatment. XXXX XXXX said they had a company called Health care finance direct that would finance my payments each month. 
I went through the treatment and was not satisfied with the results as my teeth still have gap and are not aligned as promised on the bottom. 
I reached out to XXXX XXXX several times during the course of treatment and was given new aligners as they promised it was a " lifetime '' guarantee. 
In XXXX, the company filed bankruptcy and are completely out of business. The finance company is still trying to collect the remaining funds from me! I have an outstanding balance of {$480.00} ( {$580.00} with interest ) I have paid {$1900.00} to date. 
I explained to them that I am not done with my treatment, and I am not going to pay for services that are not rendered. They have my credit card no, but I have since locked it from any charges. They continue to harass me and threaten to collect and report this to the credit agencies. 
I filed a complaint with the XXXX but they responded saying that healthcare finance responded, and they were closing the case. 
I know I am not the only victim here. I've read many stories online of patients that paid and were left with no treatment. Please help. I have outstanding credit, but I am seeking to not only have payment stopped but get a refund for breach of contract. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
A collections agency took over my one of my credit cards when I fell behind. I first contacted them on XX/XX/XXXX at XXXXXXXX XXXX. I made a payment plan with them and asked them to report to the credit bureau that I was paying it. They told me they didn't have too. I continued to pay and asked to send emails or letters I was paying they said they didn't have too. So I attempted to view online and could not. I called XX/XX/XXXX XXXX XXXX XX/XX/XXXX it hung up on me, XXXX XXXX XXXX. I told them they had to report or give me proof I was paying the answer was don't have to. Called XX/XX/XXXX XXXX XXXX, XXXX XXXX and XX/XX/XXXX when I paid it in full and asked for proof again was told no. 

However on XX/XX/XXXX they report the bill as 120 days late and did not show it was paid in full. There was no 120 days late with them I have copies of their letters and proof of my payments. This is false reporting and caused a decrease in my credit score. I warned them I would call my lawyer and this is retaliation.

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 2024-02-19 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: GA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-02-19 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: GA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Accounts and addresses are reporting inaccurate my credit report

Company response to consumer: Closed with explanation