vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: MS

Complaint narrative:
Transaction Summary Date Transaction Payment Method Transaction Amount Previous Principal Balance New Principal Balance XX/XX/XXXX Loan Open {$2500.00} {$0.00} {$2500.00} XX/XX/XXXX Disbursement {$470.00} {$0.00} {$2500.00} XX/XX/XXXX ProcessingFee {$25.00} {$0.00} {$2500.00} XX/XX/XXXX LateFee {$59.00} {$2500.00} {$2500.00} XX/XX/XXXX WrittenOff {$3700.00} {$2500.00} {$2500.00} XX/XX/XXXX Payment Check {$500.00} {$2500.00} {$2500.00} XX/XX/XXXX Payment Check {$200.00} {$2500.00} {$2500.00} XX/XX/XXXX Payment Check {$280.00} {$2500.00} {$2500.00} XX/XX/XXXX Payment Check {$300.00} {$2500.00} {$2400.00} XX/XX/XXXX Payment Check {$340.00} {$2400.00} {$2100.00} XX/XX/XXXX Payment Check {$340.00} {$2100.00} {$1700.00} XX/XX/XXXX Payment Check {$340.00} {$1700.00} {$1400.00} XX/XX/XXXX Payment Check {$340.00} {$1400.00} {$1000.00} XX/XX/XXXX Payment DebitCard {$36.00} {$1000.00} {$1000.00} XX/XX/XXXX Payment DebitCard {$290.00} {$1000.00} {$750.00} XX/XX/XXXX Payment DebitCard {$290.00} {$750.00} {$460.00} XX/XX/XXXX Payment DebitCard {$290.00} {$460.00} {$160.00} XX/XX/XXXX Payment DebitCard {$290.00} {$160.00} {$0.00} XX/XX/XXXX Payment DebitCard {$290.00} {$0.00} {$0.00} At a certain point, it became difficult to pay this loan off with its costly fees. I wasn't able to pay it. I briefly got into a program for paying off debts in one sum, but that eventually became to difficult. I have to pause the program. In XXXX of XXXX, this company began debiting my bank account again even though the debt program I had been in had the debit revocation document to this company while I was in the program. If the last principal payment was taken on XXXX for more than what was owed on the principal balance, why did they take another payment on XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that is not reporting accurately. I am showing 30 days late on the account. This company has never notified me that I was about to be late nor notified me that I am late. I was never notified and 15 U.S. Code 1666b - Timing of payments I have a right to be notified. I am requesting that this late payment be removed and updated and this account status be updated to paid as agreed and NOT from no more than 2 payments past due because this is inaccurate.The lack of notification by email or mail has caused a great deal of stress and is detrimental to my credit health. The consumer reporting agencies and furnishers have a legal duty to follow consumer laws. This situation was not handled within the legal realm of this code. I was not notified. Thank you for your prompt understanding and prompt action. 

I have reached out to this company in XXXX and have been told a manger would call me back but this company has totally ignored the damage that they have caused to mycredit for not following the law. i have also advised them that I have been greatly affected by XXXX XXXX and this has caused me not to obtain relief and resources.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I started receiving relentless calls to collect debt owed from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did not have a choice to drive myself to the appointment. They did not tell me it was going to cost {$950.00}. I could have cancelled the appointment. But no instead blindside me. So on XX/XX/XXXX of XXXX, I agreed to and paid {$400.00} to settle the debt. I needed documentation of this for my employer, so I reached out multiple times to try to request a letter with proof of settlement. After hours on hold, I finally got someone to send me a letter stating the account balance is {$0.00}. This was able to satisfy my employer requirement. Now, 6 months later they are again calling me relentlessly to demand I pay this debt again. And they must have reported it as a collection on my credit report because my score went down over XXXX points. This is with Phoenix Financial Services. They are fraudsters. They XXXX up my credit for a debt I already paid. They are XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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: MD

Complaint narrative:
By 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. XXXX XXXXXXXX has violated my rights under 15 USC 1681, Section 602 ( a ), which states that consumers have a right to privacy. Additionally, 15 USC 1681, Section 604 ( a ) states that a consumer reporting agency can not furnish an account without my written instruction. 

Furthermore, 15 USC 1681 ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse items of information other than records of convictions of crimes which antedate the report by more than seven years. According to 15 USC 1681s-2 ( a ) ( 1 ), a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: MD

Complaint narrative:
By 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. XXXX  XXXX has violated my rights under 15 USC 1681, Section 602 ( a ), which states that consumers have a right to privacy. Additionally, 15 USC 1681, Section 604 ( a ) states that a consumer reporting agency can not furnish an account without my written instruction. 

Furthermore, 15 USC 1681 ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse items of information other than records of convictions of crimes which antedate the report by more than seven years. According to 15 USC 1681s-2 ( a ) ( 1 ), a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am asking for your assistance regarding the incorrect account listed on my credit report. This issue has hurt my reputation, and I need your help. The mishandling of my credit information has greatly affected me, and the inaccurate reporting has caused serious harm to my reputation. It is essential that you remove these false details from 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 explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: NV

Complaint narrative:
I received a notification from XXXX XXXX my student loans have increased over {$60000.00} recently. When I reviewed loans reported on my credit report it reports 11 different MOHELA loans totaling over {$120000.00}. My student loans should be currently around {$67000.00}. I have tried to contact MOHELA several times and credit agencies. However due to " long wait times '' and being disconnect it is impossible to speak to someone on where these loans are coming from. Also they are all different totals, not duplicates? This is reporting on all credit bureaus. Can you assist me, I have worked very hard to keep my credit outstanding and this is just unacceptable. I appreciate any help with this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
Company contacted me at my place of business and continued to call until they got me to agree to debt and agree to payment plan. They then reverted from no interest to interest on debt. Afterwards they have no served me for a lawsuit. They have been also verbally abusive at times on the phone and very rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TD BANK US HOLDING COMPANY
State: AL

Complaint narrative:
Chrysler Financial has placed an account on my credit profile that is XXXX XXXX XXXX. This action is a clear violation of the Fair Credit Reporting Act ( FCRA ) specifically Section 605a, which states that negative information, such as collections accounts may only be reported for a maximum of seven ( 7 ) years from the date of the first delinquency. The account in question has exceeded this reporting limit by several years, and I am requesting that it be removed from my credit profile immediately. I am seeking your assistance to ensure that this inaccurate and outdated information is removed from my credit profile as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-09-18 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Please see previous complaints related to this account. 
In addition to the previous, they were allowed to garnish me even after the debt was Paid in Full. They have sent a Pif letter but they did not mention or send anything regarding my refund check from overpayment. It was paid XX/XX/year> but obtained a court date of XXXX to collect the funds. They owe me XXXX. My dispute was not investigated properly and I have submitted feedback on that already through this portal. Only one partial call was reviewed and the description of the call was not accurate. I want every incoming and out call from my number reviewed. I want the notes on the account reviewed. 
I WILL PROCEED WILL LEGAL ACTION AMD DEMAND FOR SOMEONE TO GET THIS REFUND TAKEN CARE OF IMMEDIATELY

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 2024-09-18 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: NC

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: AK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and Equifax Credit Agency XXXX XXXX XXXX XXXXXXXX XXXX XXXX To Whom It May Concern : I recently received a copy of my XXXX and Equifax Credit Report and I noticed that both are still showing charge off/ collections from XXXX XXXX Account # XXXX is still posted on my report : Your company XXXX XXXX XXXX and Equifax Credit Agency has XXXX violations. XXXX XXXX XXXX has DELETED this account from my credit report. XXXX and Equifax has violated the laws by keeping the account on my credit report, and not providing accuracy. Under 15 USC 1681 Accuracy of Report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All XXXX  credit agencies are to provide the same information for accuracy. Also, Your company is in clear violation of the law. Under 15 USC 1681B-permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a Consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give written instructions to furnish this account on my credit report. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS-Except as provided in paragraph ( 3 ), the term consumer report Does not include- ( A ) Subject to section 1681S-3 of this title, any- ( I ) report containing information solely as to transaction or experiences between The consumer and the person making the report : DELETE the this account.This agency is in violation of 15 USC 1681. Failure to respond satisfactorily with the deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character.

2. Negligent Enablement of Identity Fraud. 
3. Fair Debt Collections Practices Act 15 USC 1692g violations. 
4. Fair Credit Reporting Act 15 USC 1681 Violations for willful noncompliance 616. Civil liability for willful noncompliance-15 USC 1681n . 
Best Regards, XXXX XXXX Attachments are enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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 SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-09-18 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: GA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-09-19 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: CA

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc.
State: MA

Complaint narrative:
several accounts listed on my credit report, which I believe are inaccurately attributed to me. I do not recognize the following accounts and requested the company that they be thoroughly investigated and removed never got ana naswer response email nothing please help me XXXX XXXX ( Account ending in XXXX ) XXXX XXXX ( Account ending in XXXX ) XXXX XXXX  ( Account ending in XXXX ) XXXX XXXX ( Account ending in XXXX ) I

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-09-19 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: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I was served with legal papers today from XXXX XXXX XXXX claiming I owe a debt of $ XXXX to XXXX XXXX from XXXX. Portfolio Recovery brought the law suit. I'm sure they know very well that people don't keep records of paid off accounts for 13 yrs. The statute of limitations in XXXX for collecting on this type of debt is 6 yrs. Of course I still have to file my answer to avoid a default judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: IL

Complaint narrative:
XXXX XXXX  DATE OPENED XXXX {$390.00} ACCOUNT NUMBER XXXX PLEASE REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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: IL

Complaint narrative:
XXXX XXXX  DATE OPENED XXXX {$390.00} ACCOUNT NUMBER XXXX PLEASE REMOVE THESE ACCOUNTS FROM 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 explanation