vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. Im not sure why you have included the following student loan information on my credit report. These inaccurate items are not only inaccurate, but they are also preventing me from purchasing a home due to it showing me in a negative capacity. From what I understand, the following items below should all be reporting across all 3 Bureaus the same. Well, theyre not, and from what I understand its an FCRA Violation, and it allows me to ask for these items to be updated. So, please update these accounts due to the inaccuracies that are being reported.

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 2024-02-29 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: NJ

Complaint narrative:
This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. Im not sure why you have included the following student loan information on my credit report. These inaccurate items are not only inaccurate, but they are also preventing me from purchasing a home due to it showing me in a negative capacity. From what I understand, the following items below should all be reporting across all 3 Bureaus the same. Well, theyre not, and from what I understand its an FCRA Violation, and it allows me to ask for these items to be updated. So, please update these accounts due to the inaccuracies that are being reported.

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
MONTHS OF ACCOUNTS/ACCOUNT NUMBER INACCURATE LATE PAYMENTS DATE OPENED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-02-29 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: 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. 

Account name : XXXX XXXX XXXX # 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 a 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 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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX of XXXX I joined XXXX XXXX XXXX as despite always paying on time, my credit debt was too high and I just wasn't able to pay down my credit. I was assured that joining this program wouldn't hurt my credit. XX/XX/XXXX XXXX of XXXX took my first payment and paid every single month. Apparently at the time I signed up for the program, Synchrony bank was having issues with their system that accepts the proposals and it took over a month to resolve. At this time, I was told not to worry, Synchrony was resolving it. All of the other Synchrony besides XXXX resolved the issue. 

I noticed my past due continued to go up with Paypal, I contacted XXXX of XXXX who reached out to Synchrony PayPal. Paypal was delayed in response. They finally got an answer and found that Paypal had accepted the agreement of {$84.00} but in their system had the amount that was accepted for the Synchrony XXXX of {$100.00}. In XXXX of XXXX, I was told Synchrony wanted a larger payment per month going forward but they would reverse the negative reporting and late fees as they had accepted the original proposal. In XXXX, my credit report was corrected but I still was showing a past due amount. I contacted XXXX of XXXX about the past due balance. I was told this was Synchrony banks issue and that it wasn't due, therefore I didn't need to pay it. 

In XXXX, the late payments went back on my credit report. I contacted XXXX of XXXX and was told yet again that Synchrony bank would fix it. XX/XX/XXXX Synchrony put my account in Charge off status because the incorrect past due amount was never corrected for the incorrect payment that had in their system. Historically, my credit score had been in the high XXXX, low XXXX due to high debt but I had always paid everything on time. Because of the incorrect serious delinquency and charge off status my credit score went to the mid to high XXXX. 

I contacted all 3 credit bureaus to get this corrected. It took less than a month for XXXX to fix. XXXX XXXX disputes and over 2 months and there is still an incorrect past due payment that shouldn't be there, and XXXX still hasn't fixed the charged off account status. During the time of incorrect reporting, I have gotten notices of getting denied for credit, having my credit revoked or decreased due to the incorrect lower score while I was trying to resolve this. I have since gotten off of the credit program and paid off almost all of my credit card debit. My score is now in low to mid XXXX but I am still getting letters of my revoking, denying, and reducing my credit due to the Synchrony Paypal 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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I urgently request the removal of this inaccurate late payment from my account. I've always made payments on time, and this entry is causing me undue stress. Please rectify this error promptly by updating my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: IL

Complaint narrative:
I strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate accounts.

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 2024-02-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: SC

Complaint narrative:
From the dates XXXX of XXXX XXXX of XXXX I paid {$500.00} every two weeks when my payments was {$250.00} every two weeks. From XX/XX/XXXX to XX/XX/XXXX I paid {$600.00} every two weeks when my payments was {$250.00} every two weeks. From the dates XX/XX/XXXX I paid staggering payments through out the year XXXX ranging from {$500.00} to {$1200.00} a payment. Then Us auto sent my loan to a collection company called west lake portfolio and my account was never late. Now Im in repo status and no one can show me where my money went to. Can you please have with this matter. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Paid this account in full and it's mentioned that once payment is complete and paid in full that it would be removed from all credit bureaus. I will have a screenshot of where it says this on the https XXXX XXXX screenshot of my bank account where I paid it to collection agency XXXX XXXX, and the original document stating how much I owe with all my information. Please as I am in the process of purchasing a home and this is hurting the process. 

XXXX : XXXX / XXXX / {$820.00}

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 2024-02-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XXXX XX/XX/year>, I requested an online savings account with BMO Alto. At the time, I wished to add my husband as a joint signer. My husband already exists as a joint signer on another account with BMO Alto. This extant account is in place for almost a year, and with a satisfactory history. The joint applicant request was declined, with no reason ( s ) provided either via the e-mail or when I spoke with a representative. The representative advised that I " make another application as there may have been a typo when completing the joint applicant form. '' On XXXX XX/XX/year>, I followed this advice from the BMO Alto representative but the same result occurred. Another opaque e-mail with no decline details, and another conversation with another BMO Alto representative which went nowhere. Again, I was told to " reapply as that was all they are allowed to tell clients. '' So now I am advised to apply again. I can not see the logic here. 

More troubling, though, is that BMO Alto is not giving us any reason ( s ) why they can not accommodate the joint signer request. Not just frustrating, but this is unfair of BMO Alto 's refusal to give us details to address and remedy whatever it is that is coming up in BMO Alto 's systems and which is prohibiting us moving forward on our request. 

There are no blemishes of which I am aware on either of our credit and financial profiles. We hold many accounts jointly at a variety of other banks and brokerages.

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 2024-02-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX These inquires was unauthorized

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 2024-02-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I hope this letter finds you well. I am writing to formally report and dispute two collections on my credit report, as they are the result of fraudulent activities. I have identified significant inaccuracies in the information associated with these collections, and I am seeking your assistance in their immediate removal. 

Details of the fraudulent collections are as follows : XXXX XXXX XXXX ( {$530.00} ) - Opened on XX/XX/XXXX : The listed birth year is incorrect ( XXXX instead of XXXX  ). 
The reported addresses ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, California XXXX, and XXXX XXXX XXXX XXXX, XXXX, California XXXX XXXX are unfamiliar to me, as I have never been to California. 
XXXX XXXX XXXX ( {$220.00} ) - Opened on XX/XX/XXXX : The birth year is inaccurately stated as well ( XXXX  instead of XXXX ). 
The reported addresses and phone numbers ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, California XXXX, XXXX XXXX XXXX XXXX, XXXX, California XXXX XXXX phone numbers XXXX, XXXX ) are not associated with me. 
To assist in the prompt resolution of this matter, I kindly request : Thorough investigation and verification of the provided information. 
Immediate removal of the fraudulent collections from my credit report. 
Communication of the resolution and corrections made to the credit reporting agencies. 
I have attached supporting documents, including my correct personal information, to facilitate the verification process. Your prompt attention to this matter is greatly appreciated. If you require any further information, please do not hesitate to contact me at XXXX or XXXX. 



Thank you for your prompt attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital one act # XXXX Capital one told me on or about XX/XX/year> that they were closing my account. As of today they have failed to send me the money from the closed account..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Tax refund anticipation loan or check
Issue: Confusing or missing disclosures — 
Company: World Acceptance Corporation
State: IL

Complaint narrative:
Approximately XX/XX/2024 or so, I contacted World Finance Corp in XXXX Missouri to inquire about their advertisement of doing tax prep for individuals and their offer of a refund anticipation loan where it was advertised as being fee free. I was told there would be no fees associated with this product and so I allowed them to do my taxes. I sent in all my information through the internet and later that day went in to the office in XXXX Missouri to finalize this loan. I was never allowed to see any paper work when I went in to the store. I again asked at that time about the cost associated with this loan and was told it would cost nothing as long as I filed my taxes through them and if I allowed them to take the amount of the loan from my refund which i was told would be {$1000.00} plus {$39.00} for the opening of an account in my name through their XXXX XXXX for a total of {$1000.00}. The remainder of my refund would be given to me by check when my refund arrived. I was not one time told of any other fees for taking out this loan. A electronic pad was put in front of me where I was told to sign my signature. I could not even see the signature I was signing because I was never allowed to see their computer screen. I trusted the word of the loan officer that I was only signing my tax return. Even the printout I was given only included my tax return. I was never given and still have not been given any paper work about any fees associated with this loan. My refund came in XXXX where I for the first time saw that I was being charged {$570.00} for XXXX XXXX fees when I logged in to taxpayer.sbtpg.com which is the refund middle person. I immediately called World Finance and asked about these fees and was told that I shouldve been given a document showing the fees associated with this loan. I told them i never received any fees documents and was even specifically told this would not cost me any more than the amount of the loan which was {$1000.00}. I have attempted to contact World Finance on many occasions since and now I believe they have my phone number blocked because my phone number never rings through but if i use someone elses phone it immediately rings through where i am told now i owe them {$110.00}. In my opinion they owe me almost {$600.00} because I was never told nor given any paperwork about fees associated with this loan. Federal law says I must be given documentation of the fees associated with a loan at the time of the loan. I still have never been given that paperwork and was specificxally told it would not cost me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
National Credit Adjustor is diminishing my reputation by furnishing negative items on my credit report. They are holding me back from being able to use my credit as need be and are making me look irresponsible. National Credit Adjustor does Not have any credentials to collect debt in the state of XXXX  which I reside in. They are violating my right as a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: IN

Complaint narrative:
I did not authorize or initiate these accounts, and it is unjust for me to be responsible for them. I urge you to take prompt action to correct this mistake.

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 2024-02-29 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: IN

Complaint narrative:
I did not authorize or initiate these accounts, and it is unjust for me to be responsible for them. I urge you to take prompt action to correct this mistake.

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 2024-02-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXept Of Education. 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-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 in accurate. I'm requesting that the accounts above be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
In XXXX I called and requested SCRA benefits be applied to my account. I was told that the only manner in which the company would receive communication about military orders was either by mail or fax. Upon faxing my documents I was told on XX/XX/XXXX that they were applied but none of the previous charges I incurred would be adjusted to the 6 % maximum interest rate and I would still need to pay those charges even though I would have been eligible for the benefit on those charges. When I spoke to a phone representative on XXXX she told me that " It was not the company 's fault that they did not know I was in the military ''. I reviewed the SCRA policy with military legal department and I was assured that the charges in question were covered under the SCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief