vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-30 00:00:00
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Issues with fees connected to the loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I am writing to formally request a discharge of my student loans due to school misconduct associated with XXXX XXXX - XXXX XXXX - XXXX, which I attended from XX/XX/XXXX to XX/XX/XXXX. I believe that I qualify for a loan discharge under the grounds of school misconduct as the institution engaged in fraudulent and deceptive practices. I am still being contacted by the private student loan provider Navient. I still have balance of {$3500.00} thats attached to a loan that was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: NY

Complaint narrative:
The fraudulent, inaccurate, and misleading information on my consumer report has caused me significant stress and XXXX, despite my numerous attempts to address it. These items were not authorized or consented to by me, as I am a victim of 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 2024-05-30 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: DE

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-05-30 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: GA

Complaint narrative:
The defendant, XXXX XXXX XXXX ( XXXX ), is attempting to collect an alleged debt from me related to its purchase of a Synchrony Bank/Amazon account and sued the Plaintiff in state court for {$2500.00}. 
In XX/XX/XXXX, XXXX filed a lawsuit against me in the XXXX XXXX XXXX XXXX XXXX ( case # XXXX ) for an alleged debt of {$2500.00} that XXXX claims it was assigned to them from Synchrony Bank/Amazon ( account # XXX ... XXXX ). 
However, XXXX 's lawsuit was filed after the XXXX statute of limitations had expired under GA XXXX XXXX, as XXXX had purchased the Synchrony account in XX/XX/XXXX. This means XXXX 's lawsuit in XX/XX/XXXX was filed on a time-barred debt. 
XXXX improperly served the summons to an incorrect address which is why I did not answer the summons. XXXX then obtained a default judgment against me on XX/XX/XXXX for {$2500.00} plus {$110.00} in court costs and a writ of fieri facias to record the judgment. 
By filing suit on a time-barred debt, Portfolio falsely represented the legal status and deceptively attempted to collect the debt. This made my private financial matters public record without merit. XXXX 's actions have caused me substantial emotional distress, mental anguish, anxiety, and invasion of privacy that a reasonable person would find offensive. 
In summary, XXXX improperly sued and obtained a default judgment against me on a time-barred debt in violation Georgia state laws pertaining to the statute of limitations and the Fair Debt Collection Practices Act causing me significant harm.

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 2024-05-30 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX CARD Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I am a victim of identity thett, I'm not sure who is using my information but this is just continuing to happen to me. 

I reside in XXXX California for majority of my life. Somehow someone has an eviction in my name in Alabama. 

I have no connection with any account listed. 

I filed out a police report, and an identity theft report. 

I filed court paperwork as well please help me l have no knowledge of any of these accounts

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/year> I was able to receive my denial letter from Synchrony Bank regarding the reason of denial of the XXXX XXXX XXXX. Claiming I have no credit history. Even though after checking my credit reports ( especially my XXXX Report which was requested ) I had ample credit history. After calling their care line on the same day, a representative was able to escalate my case and have them manually review the application. Was told it would take about XXXX days from the denial letter date. And I would only be receiving a written letter. Which has never been received on my end. 

As of XX/XX/year> I have called back regarding the case but I was told my pending application doesn't exist anymore. With my denial letter still in hand dating back to XX/XX/XXXX, I was able to give them my reference number regarding the lookup of my application. 

Unfortunately with no new written letter and been told continuously I would have to reapply and risk another hard pull and await another denial letter, I told the representative this case will be forwarded to the Consumer Financial Protection Bureau.

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 2024-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I understand that according to FCRA 605B, it's vital to remove any inaccurate accounts from my credit report. Could you please review the documents? I've noticed that many of the listed accounts seem to be incorrect, and this is concerning 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 non-monetary relief
Consumer complaint received 2024-05-30 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: MO

Complaint narrative:
I understand that according to FCRA 605B, it's vital to remove any inaccurate accounts from my credit report. Could you please review the documents? I've noticed that many of the listed accounts seem to be incorrect, and this is concerning 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 2024-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The XXXX accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A. Section : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer 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 2024-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Valor Intelligent Processing, LLC
State: TX

Complaint narrative:
The company failed to honor the XXXX  and XXXX XXXX. I received a letter on XX/XX/year> after the XXXX and XXXX XXXX became active. Now the company is threaten to use criminal means to XXXX XXXX person, reputation and property. 

It is the same account number therefore not a mistake and error on the company parts. This is a direct violation of the FDPCA.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: PA

Complaint narrative:
On XX/XX/year> I sent my FTC report and license to Experian, XXXX, and XXXX. I have fraudulent accounts reporting on my consumer report. There is a {$1000.00} fee per violation for reporting inaccurate information on a consumer report. I will be filing a civil suit.

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 2024-05-30 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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XXXX XXXX XXXX garnished my wages for a Bank of America Credit Card that I had in XXXX. ( Judgement ) in XXXX. They canceled the garnishment once it was paid in full. Then turned around and garnished my wages again. Now, 10 years later they are trying to garnish my wages once again. That is 3 times now for the same debt. I have all of the documents that were provided to my past employer and my current employer. The address that they put for me on all the documentation was wrong, always has been and I have never been sent any notices or invoices since the card went into default. I lived in the same house for XXXX  years and they never notified me of anything. They keep going and getting judgements against me and I have no way of knowing that they are getting them because no one is notifying me so that I can dispute the judgement and then they get garnishments for the same debt that has already been paid.

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 2024-05-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I've reached out to Capital One XXXX on XX/XX/year> to schedule the pick up for the voluntary repossession of my vehicle per the instructions from my bankruptcy attorney. The representative that I spoke with first stated that a form was incorrectly signed and has to be redone in order to go on further. I asked them why they haven't sent it back to them and he stated that they were waiting for a call from them and permission to do so. It was back and forth until I requested to speak to someone else about this matter and the lead that I was transferred to did not even mention the incorrect form and said something completely different about setting it up for pick up. I reached back out to my attorney and she said to wait a few days and try again. So I tried today, XX/XX/year>, I got the same agent on the phone who stated the same thing about the form being incorrectly signed so I asked him why wasn't it sent since the last time we spoke. His response quickly changed to saying that they did send it and got it back still incorrect. I asked again to speak to another agent and the current agent refused to do so and said that I should call back later. I have been bombarded with calls from Capital One to get payments before I filed and now since I did, they are delaying their end of the agreement of my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Americas Car-Mart, Inc.
State: GA

Complaint narrative:
Paying to much on an XXXX XXXX XXXX XXXX XXXX that I no longer have and its affecting my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company 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 2024-05-30 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company 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 2024-05-30 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: CA

Complaint narrative:
My consumer report has false information that is portraying my ability to manage credit incorrectly. This is both incomplete and not 100 % accurate, which is a violation of my rights under FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX, This is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a results of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. Fraudulent Unauthorized 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 2024-05-30 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
There are several inaccurate accounts on my credit report that I have tried to address with the actual creditor, collection agency, and credit bureau they have ALL failed to provide me with the requested information. I am now seeking to summon them ALL to XXXX XXXX XXXX to assist with rectifying the situation. I have asked them numerous times and they have ALL stated that they have verified this account belongs to me without providing proof as requested. This is causing me great XXXX and if this is not fixed asap, I will be suing ALL.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX th XXXX. I was encountered with a an unsympathetic supervisor today who said they report after 30 days a delinquent account. After calling numerous times since XXXX XXXX XXXX thru today I was told I had {$29.00} late minimum payment I missed however since XXXX to XXXX this was the first incident that made my card delinquent. She was not sympathetic or understanding at. The lady happily with a high tone hung up and said XXXX XXXX Citi bank Macys card.

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 2024-05-30 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief