vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Pursuant to 15 USC 1681c-2 please delete the fraudulent inquiries that I have listed. Also, Pursuant to 15 USC 1681e ( b ) you must maintain accurate records at all times within my credit file. Please update my personal information to match accurate records within my personal credit file. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: MI

Complaint narrative:
Pursuant to 15 USC 1681c-2 please delete the fraudulent inquiries that I have listed. Also, Pursuant to 15 USC 1681e ( b ) you must maintain accurate records at all times within my credit file. Please update my personal information to match accurate records within my personal credit file. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: MOHELA
State: IL

Complaint narrative:
I am a co-signer on a private student loan for the XXXX XXXX XXXX of XXXX with Mohela, with a total amount of {$7800.00}. My sister has completed several co-signer release applications requesting to release me from the student loan, and despite meeting all the necessary requirements, the release has been denied each time. My sister has consistently made on-time payments for several years. 

We have requested more information on why the co-signer release continues to be denied, but Mohela has not provided any clarity. This situation has impacted my ability to apply for other loans, as it negatively affects my debt-to-income ratio. 

I am seeking a resolution to have the co-signer release processed or to receive a clear explanation as to why it has been denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: NV

Complaint narrative:
I am submitting this complaint regarding multiple unauthorized inquiries on my Experian credit report. These inquiries are not related to any account or credit applications I have made, and I believe they have been reported in error. These unapproved inquiries negatively impact my credit score and overall creditworthiness. 

Despite attempts to resolve this issue directly with Experian, I have not received satisfactory assistance in removing the unauthorized inquiries. As these inquiries are not connected to any accounts or applications I recognize, they should be promptly removed. 

I am requesting that the Consumer Financial Protection Bureau assist in investigating this matter to ensure that Experian removes these inquiries from my report, in compliance with federal regulations. 


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 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 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 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 2024-11-14 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
Subject : Complaint Regarding Closed Account, Denial of Credit, and Request for Consumer Report To Whom It May Concern, I am reaching out to seek assistance regarding a recent issue with Synchrony Bank and my Care Credit account. I am experiencing challenges in obtaining clear answers about my account status and subsequent denial for a new credit application. 

Background : On a recent application for a Care Credit card through Synchrony Bank, I was denied with the reason stated as : " You had a credit account recently closed by Synchrony Bank. '' The account in question was my previous Care Credit account, which was in good standing, fully paid off, and had no late payments. However, my credit report indicates that this account was closed " at the credit grantor 's request. '' Actions Taken : I contacted Synchrony Bank to inquire why my previous account was closed and why my new application was denied. Unfortunately, the bank representatives were unable to provide a satisfactory explanation. 

On XX/XX/year>, I sent a formal written request to the Bureau of Consumer Financial Protection for a free copy of my consumer report to verify any inaccuracies or incomplete information. 

I received a response from the Consumer Financial Protection Bureau on XX/XX/year>, stating, " We reviewed your correspondence and found that we could not take additional action. ''

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: UT

Complaint narrative:
Santander is reporting a late for XXXX on my auto loan I ask they please remove. I had this account and always made my payments on time despite their auto pay system always having issues. I would set the account on auto pay and several times their system would not draft my payment so I would go in and do it. However, I was refinancing my home in XXXX and just got done in XXXX. During this time I knew my account was set up for auto pay but because I was so busy with the refinance I didn't check in as I normally due trusting that Santander would do their due diligence and retrieve the funds automatically. However, that did not happen and now there is a late. I also wrote them a check to pay the full balance and they claim I still owe {$1300.00}. I am very confused as to what is going on with this account. I was never late, I did my due diligence and the late payment must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: CO

Complaint narrative:
The existence of these unauthorized accounts and inquiries has caused me significant XXXX  regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX  XXXX Bankruptcy - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CO XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.

Please see the attached disputes sent over the last few months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.

Please see the attached disputes sent over the last few 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 explanation
Consumer complaint received 2024-11-15 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX. Account # : XXXX XXXX. Account # : XXXX XXXX XXXX. Account # : XXXX XXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 explanation
Consumer complaint received 2024-11-14 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: GA

Complaint narrative:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item 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 2024-11-14 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Account Name : JPMCB CARD Account Number : XXXX XX/XX/year> Reason : I don't recognize this account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
I am writing to file a complaint regarding Barclays USAs handling of my JetBlue credit card account ending in XXXX. Recently, Barclays unilaterally reduced my credit limit, which caused an immediate and significant increase in my credit utilization. As a result, my account was reported as " over the limit, '' which has severely impacted my credit profile and made it nearly impossible for me to obtain a debt consolidation loan. 

This action by Barclays not only led to an increased utilization rate but also negatively affected my payment history as reported on my consumer reports. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a ( c ), the law defines a " consumer report '' and excludes " transactions or experiences '' directly between the consumer and the furnisher. The FCRA was structured by Congress to ensure that such information, including utilization and payment history resulting directly from credit limit changes, is not automatically included in consumer reports. 

By reporting my utilization and payment experience resulting solely from their unilateral credit limit reduction, Barclays USA has effectively violated my rights under the FCRA. This reporting has led to unfair consequences and undermined my ability to responsibly manage my finances by affecting my eligibility for debt consolidation options. 

I am requesting that Barclays USA take corrective action in the following ways : Immediate Removal of this Account from All Consumer Reporting Agencies I request that Barclays cease all reporting of this account to the credit bureaus to comply with FCRA regulations regarding the exclusion of direct transactions or experiences. 

Adjust Utilization Reporting Alternatively, if Barclays intends to continue reporting this account, I request that they revise the utilization rate to reflect no more than 5 % utilization. This adjustment would better represent my financial responsibility and eliminate the damaging effects caused by Barclays decision to reduce my credit limit without consent. 

Thank you for your attention to this matter. I am hopeful that the CFPB will assist in ensuring Barclays USA upholds my rights under the FCRA and takes immediate corrective actions to address the harm caused by their actions.

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: NJ

Complaint narrative:
I am XXXX XXXX XXXX, a consumer, and a victim of identity theft and I am making my official notice about the crime. I have nothing to do with the crime and I am not misrepresenting any facts. It was requested that I send a copy of my drivers license and social security card for identification purposes. I have made a file with a notice to correct my personal information, a notice of identity theft, and I have attached a copy of my social security card and my state Driver 's License. Please block, remove, and delete the fraudulent account from my credit report with 4 business days as required under the FCRA Section 605B. Please see attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: NJ

Complaint narrative:
I am XXXX XXXX XXXX, a consumer, and a victim of identity theft and I am making my official notice about the crime. I have nothing to do with the crime and I am not misrepresenting any facts. It was requested that I send a copy of my drivers license and social security card for identification purposes. I have made a file with a notice to correct my personal information, a notice of identity theft, and I have attached a copy of my social security card and my state Driver 's License. Please block, remove, and delete the fraudulent account from my credit report with 4 business days as required under the FCRA Section 605B. Please see attached.

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 2024-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation