vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-28 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: GA

Complaint narrative:
I received alerts on my credit monitoring system and noticed a plethora of inquires that i do not recognize and have not given my consent toward. 
This is a violation of 15 USC 1681B : permissible purpose of consumer reports, and must be deleted immediately. 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 non-monetary relief
Consumer complaint received 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Nelnet, Inc.
State: OH

Complaint narrative:
XX/XX/year> XXXX $ Dep of ed/ nelnet XX/XX/year> XXXX $ Dep of edXXXX nelnet XX/XX/year> XXXX $ dep of edXXXX nelnet XX/XX/year> XXXX $ Dep of ed/ nelnet Did not give my signed consent too give out my personal info

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
There was an inquiry into my credit from Synchrony Bank on XXXX XXXX, 2023 which I do not consent to or recognize. I asked Synchrony Bank to please remove it and they didn't do so. 

SYNCB XXXX XXXX XXXX XXXX, PA 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 2024-07-28 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: NRA Group, LLC
State: PA

Complaint narrative:
I have no knowledge of a creditor or account that a collection agency is reporting on 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 2024-07-28 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: I.C. System, Inc.
State: PA

Complaint narrative:
I have no knowledge of a creditor or account that a collection agency is reporting on 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 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : Dispute of Charge-Off on Credit Report under 15 USC 1681e Dear XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX am writing to dispute the accuracy of a charge-off that appears on my credit report. This dispute is made under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e, which mandates that credit reporting agencies maintain accurate and complete records. 

The specific item I am disputing is : XXXX XXXX XXXX XXXX XXXX XXXX aka XXXX [ Account # XXXX ] I believe this charge-off is incorrect for the following reasons : High Credit reporting {$450.00} by XXXX, {$0.00} by XXXX, XXXX {$300.00} by Equifax. INACCURATE. Date last reported XX/XX/XXXX by XXXX, XX/XX/XXXX by XXXX, XX/XX/XXXX by Equifax. Payment History Reporting ok on Equifax ONLY ( XXXX, XXXX, NO DATA XX/XX/XXXX, XXXX, NO DATA XX/XX/XXXX, XXXX ) XXXX & XXXX reports Date of Last XXXX XX/XX/XXXX XXXX Equifax reports XX/XX/XXXX. VIOLATION! & INACCURATE Comments reported by your agency ( XXXX ) states by XXXX, Payment after charge off/collection..Dispute resolved, XXXX reports Dispute resolved due to, Unpaid balance reported as a loss ( Debt Cancellation ), & Equifax reports, Paid charge off. Accounts closed. Date Last Active, XXXX reports XX/XX/XXXX, XXXX reports XX/XX/XXXX, & Equifax reports XX/XX/XXXX. Violating my consumer rights! INACCURATE. XXXX XXXX reports {$300.00} by XXXX XXXX XXXX, & {$0.00} by Equifax. Account Status shows PAID reported by XXXX XXXX XXXX yet Equifax reports Derogatory!! Date Opened reported by XXXX is XX/XX/XXXX yet XXXX XXXX Equifax reports XX/XX/XXXX. Clearly there are many inaccuracies violating the FCRA 15 USC 1681e that credit bureaus are to maintain 100 % accurate & complete records. ( SEE ATTACHED my consumer report from 07/26/2024. ) In accordance with 15 USC 1681i, I request that you re-investigate this matter and correct or REMOVE the inaccurate information. Additionally, under 15 USC 1681e ( b ), you are required to follow reasonable procedures to ensure the maximum possible accuracy of the information reported. 

Please conduct a thorough investigation and provide me with a written statement detailing the results of your investigation, as well as an updated copy of my credit report reflecting the corrected information or DELETE this alleged debt from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Dispute of Charge-Off on Credit Report under 15 USC 1681e Dear XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX am writing to dispute the accuracy of a charge-off that appears on my credit report. This dispute is made under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e, which mandates that credit reporting agencies maintain accurate and complete records. 

The specific item I am disputing is : XXXX XXXX XXXX XXXX XXXX XXXX aka XXXX [ Account # XXXX ] I believe this charge-off is incorrect for the following reasons : High Credit reporting {$450.00} by XXXX, {$0.00} by Experian, XXXX {$300.00} by XXXX. INACCURATE. Date last reported XX/XX/XXXX by XXXX, XX/XX/XXXX by Experian, XX/XX/XXXX by XXXX. Payment History Reporting ok on XXXX ONLY ( XXXX, XXXX, NO DATA XX/XX/XXXX, XXXX, NO DATA XX/XX/XXXX, XXXX ) XXXX & Experian reports Date of Last XXXX XX/XX/XXXX XXXX XXXX reports XX/XX/XXXX. VIOLATION! & INACCURATE Comments reported by your agency ( XXXX ) states by XXXX, Payment after charge off/collection..Dispute resolved, Experian reports Dispute resolved due to, Unpaid balance reported as a loss ( Debt Cancellation ), & XXXX reports, Paid charge off. Accounts closed. Date Last Active, XXXX reports XX/XX/XXXX, Experian reports XX/XX/XXXX, & XXXX reports XX/XX/XXXX. Violating my consumer rights! INACCURATE. XXXX XXXX reports {$300.00} by XXXX XXXX Experian, & {$0.00} by XXXX. Account Status shows PAID reported by XXXX XXXX Experian yet XXXX reports Derogatory!! Date Opened reported by XXXX is XX/XX/XXXX yet Experian XXXX XXXX reports XX/XX/XXXX. Clearly there are many inaccuracies violating the FCRA 15 USC 1681e that credit bureaus are to maintain 100 % accurate & complete records. ( SEE ATTACHED my consumer report from XX/XX/XXXX. ) In accordance with 15 USC 1681i, I request that you re-investigate this matter and correct or REMOVE the inaccurate information. Additionally, under 15 USC 1681e ( b ), you are required to follow reasonable procedures to ensure the maximum possible accuracy of the information reported. 

Please conduct a thorough investigation and provide me with a written statement detailing the results of your investigation, as well as an updated copy of my credit report reflecting the corrected information or DELETE this alleged debt from my consumer 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 2024-07-28 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: GA

Complaint narrative:
Subject : Dispute of Charge-Off on Credit Report under 15 USC 1681e Dear XXXX XXXX, I am writing to dispute the accuracy of a charge-off that appears on my credit report. This dispute is made under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e, which mandates that credit reporting agencies maintain accurate and complete records. 

The specific item I am disputing is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe this charge-off is incorrect for the following reasons XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting to my consumer reports TWICE! VIOLATION!! Numerous inaccuracies. One report XXXX XXXX XXXX XXXX XXXX XXXX  ) shows High Credit reporting {$1000.00} on XXXX XXXX XXXX XXXX XXXX XXXX INACCURATE! Account Status shows on One Report TransUnion XXXX XXXX reporting Derogatory, & XXXX reports Transferred. The other report shows XXXX reporting XXXX, XXXX reporting Derogatory. This is confusing! and has caused adverse affects on obtaining credit. Date Opened on one report TransUnion reports XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. One Report reports TransUnion XXXX XXXX shows Collection/Chargeoff XXXX XXXX shows Current. INACCURATE! Comments show on one report XXXX reports Current & XXXX reports Collection/Chargeoff. Comments show on second report Charged off as bad debt. Purchased by another lender reported by TransUnion, XXXX reports the name of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is owed to XXXX XXXX XXXX. Date Last Active on one report : TransUnion reports XX/XX/XXXX, XXXX reports XX/XX/XXXX, & XXXX reports XX/XX/XXXX. Date of Last Payment : TransUnion reports XX/XX/XXXX, XXXX reports XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Last Reported TransUnion shows XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. INACCURATE DATA REPORTING! On second report XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ] shows Last Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Clearly there are numerous inaccuracies violating the FCRA 15 USC 1681e that credit bureaus are to maintain 100 % accurate & complete records. ( SEE ATTACHED my consumer reports from XX/XX/XXXX. ) REMOVE both of these accounts IMMEDIATELY!!! Additionally, under 15 USC 1681e ( b ), you are required to follow reasonable procedures to ensure the maximum possible accuracy of the information 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 2024-07-28 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: PA

Complaint narrative:
I have no knowledge of a creditor or account that a collection agency is reporting on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Credit reporting 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:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Incorrect Late Payment on TransUnion Credit Report To Whom It May Concern, I am writing to formally dispute an incorrect late payment entry on my TransUnion credit report related to an account with XXXX XXXX XXXX XXXX The account details are as follows : Creditor Name : XXXXXXXX XXXX XXXX Current Status : On-time Issue : XXXX Missed Payment As an authorized user on this account, I am not responsible for any late or missed payments. The presence of this late payment on my credit report is inaccurate and has negatively impacted my credit score. 

I have already contacted TransUnion to dispute this entry but have not received a satisfactory response. Therefore, I am seeking the assistance of the CFPB to investigate this matter and ensure that this late payment entry is removed from my TransUnion credit report. 

As a fair resolution to this issue, I am requesting the following actions : Immediate Removal of the Incorrect Late Payment : The immediate removal of the late payment entry from my TransUnion credit report. 
Verification of Authorized User Status : Confirmation that, as an authorized user, I am not responsible for the payment history of the account. 
Notification of Changes : Written confirmation once the late payment entry has been removed from my credit report. 
I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. 

Thank you for your time and consideration. 

Sincerely, 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 2024-07-28 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: FL

Complaint narrative:
I am writing to formally dispute an incorrect entry on my credit report. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, and the relevant provisions of the United States Code 15 U.S.C. 1681 and 15 U.S.C. 1681n, I am requesting immediate action to correct this error. 

XXXX XXXX XXXX Account Name/Number : XXXX Collection account that does not belong to me. Company does not have a signed contract with my signature. Company is not the original creditor and has never received permission from me to obtain or list anything on my credit file. There is no contract between me and this company. 

The inaccurate information listed has resulted in significant harm to my credit profile and has caused me undue stress. Under 15 U.S.C. 1681n, I am entitled to seek damages for the negligent or willful non-compliance related to the accuracy of my credit report. 
In light of this, I request the following actions : 1.Immediate Correction : Please remove the erroneous entry from my credit report.

2.Confirmation of Correction : Provide written confirmation once the correction has been made, ensuring that my credit report accurately reflects my true credit history.

3.Compensation : As permitted under 15 U.S.C. 1681n, I am requesting {$1000.00} in damages for the inconvenience and harm caused by the incorrect reporting.

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 2024-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
XXXX had loan XXXX XXXX with wells fargo dealer servies inolved inaccidenrt had bought GAP insurance rider added o to loan XXXX and Wells fargo and their servicing company out XXXX XXXX said you would not pay gap due to technical thei had to buy {$3000.00} car deliver packages XXXX XXXX XXXX XXXX XXXX cause of accident you mad me and denied gap then i had to suffer and call all XXXX XXXX  months finally saying CPFB would get involve but you never paid for my pai and suffering and Wells Fargo you opened many unauthiruzed stole money service feezchecking account savings account opther products and they still are doing it now and they blow m e off on settement nee {>= $1,000,000}. They just sent letter case # reference # XXXX Wells Fargo Mediation Program XXXX check and for 5 years have lied to me not adress gap insurance pain suffering their XXXX and mediation 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 2024-07-28 00:00:00
Product: Credit reporting 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:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Incorrect Late Payment on TransUnion Credit Report To Whom It May Concern, I am writing to formally dispute an incorrect late payment entry on my TransUnion credit report related to an account with XXXX XXXX XXXX XXXX The account details are as follows : Creditor Name : XXXXXXXX XXXX XXXX Current Status : On-time Issue : XXXX Missed Payment As an authorized user on this account, I am not responsible for any late or missed payments. The presence of this late payment on my credit report is inaccurate and has negatively impacted my credit score. 

I have already contacted TransUnion to dispute this entry but have not received a satisfactory response. Therefore, I am seeking the assistance of the CFPB to investigate this matter and ensure that this late payment entry is removed from my TransUnion credit report. 

As a fair resolution to this issue, I am requesting the following actions : Immediate Removal of the Incorrect Late Payment : The immediate removal of the late payment entry from my TransUnion credit report. 
Verification of Authorized User Status : Confirmation that, as an authorized user, I am not responsible for the payment history of the account.

Notification of Changes : Written confirmation once the late payment entry has been removed from my credit report. 
I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. 

Thank you for your time and consideration. 

Sincerely, 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 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Incorrect Late Payment on XXXX Credit Report To Whom It May Concern, I am writing to formally dispute an incorrect late payment entry on my XXXX credit report related to an account with Barclays Bank Delaware XXXX The account details are as follows : Creditor Name : Barclays Bank Delaware Current Status : On-time Issue : XXXX Missed Payment As an authorized user on this account, I am not responsible for any late or missed payments. The presence of this late payment on my credit report is inaccurate and has negatively impacted my credit score. 

I have already contacted XXXX to dispute this entry but have not received a satisfactory response. Therefore, I am seeking the assistance of the CFPB to investigate this matter and ensure that this late payment entry is removed from my XXXX credit report. 

As a fair resolution to this issue, I am requesting the following actions : Immediate Removal of the Incorrect Late Payment : The immediate removal of the late payment entry from my XXXX credit report. 
Verification of Authorized User Status : Confirmation that, as an authorized user, I am not responsible for the payment history of the account. 
Notification of Changes : Written confirmation once the late payment entry has been removed from my credit report. 
I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. 

Thank you for your time and consideration. 

Sincerely, 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 2024-07-28 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: CA

Complaint narrative:
this company has not done the proper investigation, they did not verify

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 2024-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: IN

Complaint narrative:
Transworld systems , inc. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Sent me a letter dated XX/XX/2024 stating they are collecting {$32.00} on behalf of the department of veterans affairs. The collections notice is sketchy and I not only pay all VA bills received I typically over pay, like in the case of copays that I know will have additional charges in the coming weeks. They state the original amount is {$25.00}. I have never received a bill in the amount of {$25.00} and this notice and the account number provided is not one I have seen on any of my VA bills. I just went through past VA bills to match the account number they provided and it does not match anything on my official bills from the VA. Given how sketchy this appears I am not comfortable contacting this company by phone, email, or postal mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
What Happened? 

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX XXXX XXXX XXXX account number ending XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, Fair Resolution!

Company response to consumer: Closed with non-monetary relief