vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$15000.00} XXXX XXXX XXXX {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Synchrony Bank did not even reach out to me or offer me help with my payment after running behind this month, before they threw a 30 day late onto my credit reports on XX/XX/2021 which dropped my credit score XXXX pts and it was already low at XXXX not because I do not pay well, had excellent pay history but because of my student loan debt! I had a perfect pay history and work for the State of IL IDES!!! I want them to help me and remove that 30 day late!! I am a twice widowed mother doing all on my own and need some help!!!! I not only paid the past due amount but this months full payment as well on XX/XX/2021 which is when I got paid and the soonest I could yet they still turned around and ruined my credit score and I have two cards with them and always pay on time!!!! 

We have processed your request to schedule a payment for your SYNCHRONY XXXX  account. If you did not make this request, please contact Customer Service immediately. 

You can confirm cancelled, scheduled or received payments by clicking here. 


Sincerely, Synchrony Bank Customer Service Completed Transactions Filter Activity Since XXXX XXXX Statement Sort by : XX/XX/XXXX PAYMENT - THANK YOU $ XXXX SYNCHRONY XXXX 30 DAYS LATE Credit Cards {$1900.00} Status Date Reported XX/XX/2021 Payment Status 30 Days Late Amount Past Due {$150.00} Account Details Account Type Charge account Responsibility Individual Age Of Account 0 Years, 7 Months Credit Limit {$2000.00} Credit Used 98 % Available Credit {$45.00} Highest Balance {$2100.00} Payment Details Amount Past Due {$150.00} Date of Last Payment XXXX XXXX XXXX Monthly Payment {$100.00} Payment Frequency Not Reported On Time Payments 100 % Worst Pay Status Current Lender Info C/o XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ) XXXX Payment History 2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX her doing all on my own and need some help!!!!

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 2021-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX Balance {$0.00} XXXX XXXX on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX 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 2021-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient is stating I have a 90 day late payment from XXXX of XXXX. In XXXX of XXXX I filed a deferment. I also informed navient that XXXX XXXX XXXX XXXX XXXX and that I wanted to make sure that my account was in good standing before I was going out on XXXX XXXX. Ambient told me I qualified for the income driven program and that I my bank ace a month with be XXXX. I also was informed that I would not have to make another payment until XXXX. I filled and completed the application for the income driven plan and faxed it to the Navient. Upon checking my credit report I was o formed that I was 90 days late. Every month was on time but XXXX of XXXX. I asked to have it the late payment disputed through Navient, XXXX, XXXX and XXXX for reporting in correct information. I also reached out to XXXX and XXXX law to have the late payment disputed off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/2020 XXXX XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX XXXX-Date of inquiry XX/XX/2020

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 2021-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX of inquiry XX/XX/2020 XXXX  XXXX XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Thaxton Investment Corporation
State: IL

Complaint narrative:
Heights Finance XXXX IL did not even reach out to me or offer me help with mt payment after running behind this month, before they threw a 30 day late onto my credit reports on XX/XX/2021 which dropped my credit score XXXX pts and it was already low at XXXX not because I do not pay well, had excellent pay history but because of my student loan debt! They are already gouging me for almost 40 percent interest and I had a perfect pay history and work for the XXXX XXXX XXXX XXXX!!! I want them to help me get current, lower my interest and remove that 30 day late!! I am a XXXX widowed mother doing all on my own and need some help!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
They are attempting to collect a debt for {$510.00} that does not belong to me. I was a victim of identity theft. they have not provided me with a validation of debt or any other document proving this is legitimately my debt. They are still reporting it to the credit bureaus as a collection. it is severely affecting my credit score

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX is stating I have a 90 day late payment from XXXX of XXXX. In XXXX of XXXX I filed a deferment. I also informed XXXX that I was XXXX XXXX XXXX and that I wanted to make sure that my account was in good standing before I was going out on XXXX XXXX. XXXX told me I qualified for the income driven program and that I my bank ace a month with be XXXX. I also was informed that I would not have to make another payment until XXXX. I filled and completed the application for the income driven plan and faxed it to the XXXX. Upon checking my credit report I was o formed that I was 90 days late. Every month was on time but XXXX of XXXX. I asked to have it the late payment disputed through XXXX, XXXX, XXXX and Transunion for reporting in correct information. I also reached out to XXXX and XXXXXXXX XXXX to have the late payment disputed off 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 2021-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX is stating I have a 90 day late payment from XXXX of XXXX. In XXXX of XXXX I filed a deferment. I also informed XXXX that I was XXXX XXXX XXXX and that I wanted to make sure that my account was in good standing before I was going out on XXXX XXXX. XXXX told me I qualified for the income driven program and that I my bank ace a month with be XXXX. I also was informed that I would not have to make another payment until XXXX. I filled and completed the application for the income driven plan and faxed it to the XXXX. Upon checking my credit report I was o formed that I was 90 days late. Every month was on time but XXXX of XXXX. I asked to have it the late payment disputed through XXXX, XXXX, Equifax and XXXX for reporting in correct information. I also reached out to XXXX and XXXX XXXX to have the late payment disputed off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX is stating I have a 90 day late payment from XXXX of XXXX. In XXXX of XXXX I filed a deferment. I also informed XXXX that I was XXXX XXXX XXXX and that I wanted to make sure that my account was in good standing before I was going out on XXXX XXXX. XXXX told me I qualified for the income driven program and that I my bank XXXX  a month with be XXXX. I also was informed that I would not have to make another payment until XXXX. I filled and completed the application for the income driven plan and faxed it to the XXXX. Upon checking my credit report I was o formed that I was 90 days late. Every month was on time but XXXX of XXXX. I asked to have it the late payment disputed through XXXX, Experian, XXXX and XXXX for reporting in correct information. I also reached out to XXXX and XXXX XXXX to have the late payment disputed off 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 2021-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Back in XX/XX/2017. I had a checking account ending in XXXX closed permanently my Bank of America after a wire that was unbeknownst to be was sent into the account. I immediately contacted my branch and let them know of this and they subsequently closed my account permanently due to suspicious activity and notified me that I no longer could bank with them. Im now at a cross roads because I had an employment opportunity with Bank of America in New York that was rescinded due to an unsatisfactory background check which directly relates to the account I had back then. I can wholeheartedly say that I was not responsible for any wrong doing/suspicious activity and made it aware once I found out at the time.

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 2021-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX did not even reach out to me or offer me help with my payment after running behind this month, before they threw a 30 day late onto my credit reports on XX/XX/2021 which dropped my credit score XXXX pts and it was already low at XXXX not because I do not pay well, had excellent pay history but because of my student loan debt! I had a perfect pay history and work for the State of IL IDES!!! I want them to help me and remove that 30 day late!! I am a twice widowed mother doing all on my own and need some help!!!! I not only paid the past due amount but this months full payment as well on XX/XX/2021 which is when I got paid and the soonest I could yet they still turned around and ruined my credit score and I have two cards with them and always pay on time!!!! 

We have processed your request to schedule a payment for your XXXX XXXX account. If you did not make this request, please contact Customer Service immediately. 

You can confirm cancelled, scheduled or received payments by clicking here. 


Sincerely, XXXX XXXX  Customer Service Completed Transactions Filter Activity Since XXXX XXXX Statement Sort by : XX/XX/XXXX PAYMENT - THANK YOU $ XXXX XXXX XXXX 30 DAYS LATE Credit Cards {$1900.00} Status Date Reported XX/XX/2021 Payment Status 30 Days Late Amount Past Due {$150.00} Account Details Account Type Charge account Responsibility Individual Age Of Account 0 Years, 7 Months Credit Limit {$2000.00} Credit Used 98 % Available Credit {$45.00} Highest Balance {$2100.00} Payment Details Amount Past Due {$150.00} Date of Last Payment Dec 01, 2021 Monthly Payment {$100.00} Payment Frequency Not Reported On Time Payments 100 % Worst Pay Status Current Lender Info C/o XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ) XXXX Payment History 2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX her doing all on my own and need some help!!!!

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 2021-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I APPLIED FOR THIS CREDIT CARD AND HAVE NEVER USED IT. 
THE REPORTED ME LATE IN XXXX OF 2019 AND I HAVE NEVER EVER USED THE CARD THEREFORE NEVER HAD TO MAKE A PAYMENT OTHER THEN THE {$99.00} ANNUAL FEE THEY CHARGE ME WHICH I HAVE PIAD ON TIME

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 2021-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I APPLIED FOR THIS CREDIT CARD AND HAVE NEVER USED IT. 
THE REPORTED ME LATE IN XXXX OF 2019 AND I HAVE NEVER EVER USED THE CARD THEREFORE NEVER HAD TO MAKE A PAYMENT OTHER THEN THE {$99.00} ANNUAL FEE THEY CHARGE ME WHICH I HAVE PIAD ON TIME

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I APPLIED FOR THIS CREDIT CARD AND HAVE NEVER USED IT. 
THE REPORTED ME LATE IN XXXX OF 2019 AND I HAVE NEVER EVER USED THE CARD THEREFORE NEVER HAD TO MAKE A PAYMENT OTHER THEN THE {$99.00} ANNUAL FEE THEY CHARGE ME WHICH I HAVE PIAD ON TIME

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 2021-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX  XXXXBalance {$540.00} XXXXBalance {$50.00} XXXX  XXXXBalance {$0.00} XXXXBalance {$450.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Credit reporting, credit repair services, 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 a human being that is filing this complaint with the CFPB. I recently sent documents over to Experian on XX/XX/2021. I disputed XXXX XXXX XXXX accounts as they were of identity theft. To my knowledge all were a part of identity theft and I file an FTC report along with a police report. As of XX/XX/2021 XXXX of the identity theft accounts XXXX XXXX were removed and XXXX  remained. Well that makes no sense because if all XXXX accounts were of identity theft why would XXXX remain and all were from identity theft? If all XXXX accounts are identity theft why arent all XXXX removed? I dont know if that was a system generated mistake but it needs to be resolve immediately and permanently by the end of the day on XX/XX/2021 or I will file a lawsuit. I need a supervisor to take a look at this. I have contacted Experian to see why the accounts remain on my consumer report and it has been more than 60 days that these accounts are on my consumer report. I need to see evidence of the procedures during this dispute and who did it and how it was done. I have asked for detailed disputes record and I havent received a darn thing. This is becoming frustrated dealing with Experian. I have come across rude and disrespectful agents who dont respect me as a consumer.

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 2021-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
A few days ago XXXX XXXX XXXX  put a account on my credit report and I was never giving any physical notification in writing pertaining this alleged debt or notification for the attempt to collect this debt that is a violation. No information given regarding account. Violates federal 15 USC 1692g ( a ) and 15 USC Section 1681. I never authorized or given permission for this to be reporting. This account had already been removed from my credit report once because it was a fraudulent account. This is a violation of 15usc 1692 ( a ) this is harassment and they are hurting my credit reputation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I CURRENTLY HAVE AN OPEN ACCOUNT WITH THEM IN GOOD STANDING. 
I HAVE NEVER BEEN LATE HOWEVER THEY ARE REPORTING A 30 DAY LATE O TO THE CREDIT BUREAUS BACK IN XXXX OF 2019 I HAVE TRIED MULTIPLR TIME TO GET THIS RESOLVED BUT THERY ARE REFUSING

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