vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-05 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: TX

Complaint narrative:
I BEEN A VICTIM OF IDENTITY THEFT THE COMPANY SELF FINANCIAL/LEAD BA IS DATE OPENED XXXX AMOUNT OF {$720.00} REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT REPORT I ADDED DOCUMENTS THAT SUPPORT MY CLAIM COLLECTION agency did not send me anything to verify this account By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX  days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months.

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 2024-04-05 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:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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: LEXISNEXIS
State: TX

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

15 U.S.C 1681 section 602 A. States 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 response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Synovus Bank
State: TX

Complaint narrative:
I applied for a credit card from synovus bank in XXXX. I received the card and paid the processing fee. I had the card three months and by XXXX, i get notifications that the card was charged off as bad debt. Now, I did not make any payments towards this card. However, an account is supposed to charge off at 180 days of delinquency. Not only did did the account charge off early, but the bank sold the debt to a debt buyer. I believe that this is a fraudulent practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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: Credit Karma, LLC
State: TN

Complaint narrative:
My bank accounts were looked at and into a lot more then normal monthly

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Expressing my deep concern and frustration regarding the unresolved dispute concerning my account with Sam 's Club XXXX XXXX, managed by Synchrony Bank. On XX/XX/2024, I sent a dispute letter requesting that my account be zeroed out due to the receipt of documents supporting my claim. This dispute letter was sent via certified mail with tracking number XXXX. However, to my dismay, I have not received any response from Synchrony Bank regarding this matter. 

Despite my efforts to resolve the dispute in good faith, it appears that Synchrony Bank has chosen to ignore my request and continue to pursue monthly payments and add fees to my account. This disregard for my dispute and insistence on collecting payments without addressing the underlying issue is both disappointing and unacceptable. 

I expect Synchrony Bank to fulfill its obligations under the Fair Credit Billing Act and promptly investigate and resolve the dispute in accordance with the law. Ignoring my dispute and continuing to impose fees and collect payments while the matter remains unresolved is a violation of my rights as a consumer. 

I urge Synchrony Bank to take immediate action to rectify this situation, including but not limited to : Zeroing out my account balance in accordance with the documentation provided in my dispute letter. 
Ceasing all attempts to collect payments and add fees to my account until the dispute is resolved satisfactorily. 
Providing me with a timely and transparent update on the status of my dispute and the steps being taken to address it. 
Failure to address this matter promptly and appropriately will leave me with no choice but to escalate my complaint to the appropriate regulatory authorities and seek legal recourse to protect my rights as a consumer. 

I trust that Synchrony Bank will take this matter seriously and work swiftly to resolve the dispute to my satisfaction. I look forward to receiving a prompt response and a resolution to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am deeply troubled by the presence of this late payment on my account, given my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from 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 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently receive my credit report and I found inaccuracies with my personal information. I found many names I do not refer as. This is hurting my creditability and my ability to obtain credit and buying a house. 

I only use XXXX XXXX as my name for all my life matters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 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: FL

Complaint narrative:
I have disputed a XXXX account with all XXXX credit bureaus 2 times and in the last 3 months. It does not seem to be resolved. They keep accepting the creditors information and not doing a thorough investigation as I have supplied proof with my complaints to show that the information is incorrect and to either remove the account or to fix the issue. 

The XXXX account is not a lease, it is a loan. 
It also is a balance of XXXX and not XXXX. 
It also keeps allowing the creditor to remove and replace the account to my credit multiple times which is causing a tremendous drop in my credit rather.

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 2024-04-05 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: TX

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-04-05 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: IL

Complaint narrative:
XXXX XXXX XXXX did not acknowledge payoff requests in XXXX, and has since refused to provide car vehicle title as requested. Ive since filed several CFPB complaints on the company. The latest being CFPB complaint number XXXX which was closed on XX/XX/XXXX. The complaint outlined the dates over the past 4 years when the account was opened and closed with charged off/written off as bad debt status repeatedly over the past 4 years without any explanation. On XX/XX/XXXX, the company indicated in their response the account was still open, and the car was still out for repossession. In addition, XXXX XXXX XXXX did not provide the 1099-C for the years XXXX for which the account had been reported as written off as bad debt or charged off. Their response contradicts their credit bureau reporting. The account reports newly closed every month which continues to hold down my score. Their inaccurate reporting has caused the loss of funding in the amount of {$350000.00}. It is both unlawful and unethical. XXXX  message continues to be they have investigated, and they are acting in accordance with the law. The are not. They are in violation of several US tax codes, and FTC XXXX. 

The company provided a letter with dates which they received communication from me via CFPB and the Illinois States Attorneys Office. However, neglected to acknowledge the dates of the XXXX delivered letters for which I have receipts for. 

I was also advised by both Transunion and XXXX the credit bureaus do not complete investigations. Nor do they require the company to provide any proof of what they are reporting. I was advised by Transunion and XXXX the company simply has to digitally verify they are providing valid information. Which is another violation of my consumer rights.

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 2024-04-05 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:
XXXX XXXX XXXX did not acknowledge payoff requests in XXXX, and has since refused to provide car vehicle title as requested. Ive since filed several CFPB complaints on the company. The latest being CFPB complaint number XXXX which was closed on XX/XX/XXXX. The complaint outlined the dates over the past 4 years when the account was opened and closed with charged off/written off as bad debt status repeatedly over the past 4 years without any explanation. On XX/XX/XXXX, the company indicated in their response the account was still open, and the car was still out for repossession. In addition, XXXX XXXX XXXX did not provide the 1099-C for the years XXXX for which the account had been reported as written off as bad debt or charged off. Their response contradicts their credit bureau reporting. The account reports newly closed every month which continues to hold down my score. Their inaccurate reporting has caused the loss of funding in the amount of {$350000.00}. It is both unlawful and unethical. XXXX  message continues to be they have investigated, and they are acting in accordance with the law. The are not. They are in violation of several US tax codes, and FTC 15USC1681. 

The company provided a letter with dates which they received communication from me via CFPB and the Illinois States Attorneys Office. However, neglected to acknowledge the dates of the XXXX delivered letters for which I have receipts for. 

I was also advised by both XXXX and Experian the credit bureaus do not complete investigations. Nor do they require the company to provide any proof of what they are reporting. I was advised by XXXX and Experian the company simply has to digitally verify they are providing valid information. Which is another violation of my consumer rights.

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 2024-04-05 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: NY

Complaint narrative:
It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc
State: GA

Complaint narrative:
dispute incorrection information on report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: IN

Complaint narrative:
I faxed my pslf information to Moehela in XX/XX/year> twice and overnighted my information by the XXXX deadline and Mohela states they dont have my paperwork.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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: OH

Complaint narrative:
I bought a home with an FHA Loan. I made my first 2 payments on time to the loan company, ( XXXX XXXX XXXX  ) however, my loan servicing was sold to a another loan company, ( XXXX XXXX ) but, I made the payment to the original servicing company.XXXX, not XXXX. ( I believe there is a 60 day window after a loan servicing is sold and/or transferred to make my payment? ). the payment was made to the original loan servicer XXXX in under the 30 days, however ; - the new loan servicer-XXXX XXXX-did not receive the payment from the original banking servicer until 45 days after the payment was due-so they rated me late on a mortgage payment on my credit report! 
I emailed XXXX the paper trail of the payment to XXXX to prove it was made in under the 30 days, but they still marked me late on my credit. ( I believe it took XXXX 2 weeks to forward the payment to XXXX, and therefore, it appeared I was 30 days+ late, but I got the payment to XXXX in 25 days or so? I did not realize the servicing had been transferred and I was on vacation when I made that payment in question to XXXX. Again, I sent the proof of payment coming out of my checking account to XXXX to XXXX and asked them to remove the late payment record on my credit-BUT they have not responded and I just confirmed that the late payment is still showing up on my credit!! 

This has now become an issue as I have been turned down for multiple credit offers due to the late payment on my Mtg. Can you please help me to get XXXX to correct this late payment on my credit and punish them for causing me so much trouble, that-I have to contact you about it?.

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