vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-24 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
[ SYNCHRONY BANK/VENMO CREDIT CARD ] [ XXXX XXXX XXXX, XXXX XXXX, XXXX, UT XXXX XXXX IN REGARDS TO Account number XXXX I am writing to bring to your attention a serious violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). It has recently come to my attention that your institution has erroneously included information regarding my line of credit utilization which depicts my experience with your Financial Institution in my consumer report with all consumer reporting agencies including [ XXXX, XXXX, XXXX ]. 
In accordance with 15 U.S. Code 1681a, The term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; As per the FCRA regulations, transaction and experience information related to a line of credit with a financial institution should not be reported to consumer reporting agencies. However, I have discovered that my utilization of the line of credit with your institution has been reported adversely affecting my consumer report. 

I demand that you take immediate action to rectify this violation by updating the utilization reported to consumer reporting agencies to reflect 5 % or below, or alternatively, delete the utilization information altogether. Failure to comply with this demand within [ 10 Business days ] will result in legal action to enforce my rights under the FCRA. 

Please be advised that under the FCRA, consumers have the right to accurate and fair credit reporting. Any failure on your part to correct this matter may result in severe consequences, including but not limited to statutory damages, punitive damages, attorney fees, and injunctive relief as provided for under the law. 

I trust that you will take immediate action to rectify this violation, prevent any further harm to my credit standing, and continue our nonpublic transaction and experience. I expect a response from your institution confirming the corrective measures taken within the specified timeframe. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-03-25 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: NY

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 U.S.C 1681 section 602 A. States I have the right to privacy. 


Account name and XXXX DEPT education, XXXX # XXXX Account name and number DEPT education, XXXX # XXXX Account name and number DEPT education, XXXX # XXXX Account name and Number XXXX XXXX education, XXXX # XXXX 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 non-monetary relief
Consumer complaint received 2024-03-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
Therw were charges for non relervant services

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: FL

Complaint narrative:
XXXX deleted inaccurate account from my consumer report and I want it to be deleted from transunion and XXXX immediately

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 2024-03-24 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: FL

Complaint narrative:
XXXX deleted inaccurate account from my consumer report and I want it to be deleted from XXXX and equifax immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: NC

Complaint narrative:
On XX/XX/year> and XX/XX/year> I sent letters to Equifax. So I'm writing to bring to your attention a concerning issue I have encountered with Equifax and several companies reporting information to my credit file. Recently, I discovered discrepancies on my credit report related to late payments associated with accounts from the following companies : XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX  - Account Number : XXXX Upon discovering these discrepancies, I promptly initiated a dispute process with Equifax, requesting documentation to verify the accuracy of the reported late payments. According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccuracies on their credit reports and receive documentation supporting the accuracy of disputed items within a reasonable timeframe. However, despite multiple requests made to Equifax, they have failed to provide me with the necessary documentation within the required timeframe. This failure to comply with FCRA regulations has hindered my ability to address and rectify the inaccuracies on my credit report, thereby causing undue stress and frustration. I believe that the actions of Equifax and the aforementioned companies are in violation of FCRA laws, which are designed to protect consumers ' rights and ensure the accuracy of credit reporting. I kindly request that your office investigate this matter and take appropriate action to ensure that Equifax and the companies involved adhere to their obligations under the FCRA. Additionally, I seek assistance in obtaining the documentation necessary to resolve the disputed late payments on my credit report. Thank you for your attention to this matter. I look forward to your prompt intervention and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: TX

Complaint narrative:
On XXXX I was made aware that my personal information was impacted by the XXXX data breach of XXXX, and consumer filed a police report for Identity Theft on same day. I disputed with Transunion online regarding fraudulent and inaccurate data and accounts being reported on my consumer report. 

According to 12 CFR 226.13 ( d ) ; I submitted a written Notice of Error and Requested Investigation the statue give the consumer the right to withhold a disputed amount and collection action in prohibited until the matter is resolved. 

Transunion continued to report this account despite my verbal and supporting notarized documents evidencing the reporting violation. 

On XXXX consumer received an update report with fraudulent accounts still reporting. 
On XXXX I called in to speak to Transunion rep to remove existing inaccurate data. 
On XXXX I received consumer report with updated data but fraudulent accounts still are reporting. 

According to 15 USC 1681 C-2 the Blocking of my personal information resulting from identity theft was to be a duty of Transunion ; and my rights were violated by not acting in accordance with FCRA ; which is a breach of contract. The Consumer Reporting Agencies have a duty to protect the consumers privacy. It has been an upsetting 6 months as the consumer has been embarrassed publicly by receiving denials of extension to my credit. 

Transunion is listing my payments as late under an open ended consumer credit plan which is against the 15 U.S. Code 1666B law. Under 15 U.S. Code 1666B it states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I called the company and spoke with representative who stated the company can not remove the late payments from the account, but the credit bureau could. I still have not received remedy or resolution In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC1681 section 6 o 2 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666B.

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 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I purchased a XXXX phone directly from XXXX using their interest-free credit line serviced by an outfit called XXXX Account XXXX. 

I had set up automatic payments through my bank and went on with my life. For some reason the bank stopped making auto payments as of XXXX of XXXX  and I was not aware about it until the credit company sent me a letter in XXXX of XXXX  ( why did they wait 5 months?? ) at which point I promptly went ahead and paid off the whole remaining balance of {$500.00} something dollars. 

In the meantime, this company had started killing my credit score by dropping it about 200 points just because of 2 missed payments of {$28.00} something dollars. I had 25 years of impeccable credit history, it is obvious that there was no ill intent on my part. What were I to gain by forfeiting 2 payments of {$28.00}?? It doesn't make any sense. I paid the whole thing off immediately when the issue had surfaced. I contacted the company in 2019 and wrote them letters which were scoffed at. I spoke to a manager of theirs and again my plight fell on deaf ears with the same rebuttal of " you were late and that's that ''. There was no compassion or any willingness whatsoever to assist a customer with a problem. 

I am coming back to this issue now and I want justice. I opened another dispute with Experian, which now says it was updated but I don't see any results whatsoever. The delinquency is still on file.

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 2024-03-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I've been paying on my private student loans since XXXX, my Navient ( Then Sallie Mae ) XXXX Education loans currently stand at {$160000.00}. 


I went to the school " XXXX XXXX XXXX XXXX  '', a branch of the " XXXX XXXX XXXX XXXX '', in XXXX and Graduated with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This school has since closed down. 
When I took these loans out, I did so under the impression that it would be possible to pay them back, or at least pay them down. This was an impression that was instilled in me by the school 's financial department when I first visited the campus in XXXX VA. In addition to this, I was repeatedly told that I did not qualify for any other financial assistance, and that these loans were the last and only way. 


When I first began paying back the loans, I was given a monthly payment of $ XXXX to begin with, and was given six months as an initial grace period. The XXXX XXXX itself did next to nothing to assist me in finding work, instead just pointing me to a freelancing site. I struggled to find any employment in that six months, and soon needed more time. When I went to Navient ( Then Sallie Mae ), the forbearance they offered at the time costed {$150.00} each time and only lasted for ~three months each to the best of my knowledge. Due to the level of difficulty I had finding work, my forbearance was used up very early on, and I can no longer rely on them as an option. 


When I eventually was making income, I struggled immensely to make payments each month, as the Navient payments were not the only loans that had been taken out when I was going to XXXX. For many months most of my income was dedicated to student loans and little else. There were times when I was able to get on to an Interest Rate Reduction program with the Navient loans, but those were temporary and my loan amount would quickly balloon again since the interest rates were 13-16 %. As of this day, my normal payment is set to {$2000.00}, and even going on a payment plan will only decrease it to $ XXXX. Despite the difficulty, I managed to keep paying my loans without defaulting, which unfortunately made me intelligible for the Attorney General settlement debt cancellation in XXXX. As time continues, the loans will only increase in price and the monthly payments will become so high that even a payment plan won't make them manageable. 


All this for a school that was closed down due to foul play and has not given me the employment opportunity it claimed it would.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: IL

Complaint narrative:
I ask to see verify information of the inaccurate thats showing the wrong information on these accounts. They validated so many of my rights and its a lot inaccurates. They done skip months and also one of the account XXXX show nd no data how is that possible. XXXX account shows 30 30 90 days 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 2024-03-24 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: AL

Complaint narrative:
On XX/XX/year> I sent certified letters to all 3 credit bureaus demanding they remove all collections from my credit report because XXXX XXXX XXXX along with their partner company XXXX XXXX are NOT LEGALLY licensed to collect debt in the state of Alabama and when requested could not provide proof of purchase nor the purchase agreement as well as not being able to provide the terms of the purchase agreement.

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 2024-03-24 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: AL

Complaint narrative:
On XX/XX/year> I sent certified letters to all 3 credit bureaus demanding they remove all collections from my credit report because XXXX XXXX XXXX along with their partner company XXXX XXXX  are NOT LEGALLY licensed to collect debt in the state of Alabama and when requested could not provide proof of purchase nor the purchase agreement as well as not being able to provide the terms of the purchase agreement.

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 2024-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am disputing the charge from XXXX XXXX XXXXXXXX XXXX XXXX on my account on XX/XX/2024 for {$1000.00}. I have not received the service from the merchant and all my attempts to try to contact the merchant have been unsuccessful. The merchant has not provided anything to substantiate this charge. I ask that you credit back this charge.

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 2024-03-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: RI

Complaint narrative:
so I noticed this company on my credit report Jefferson capital system and found out it was for XXXX I never had a XXXX  account in my name I always had a phone line with my wife for many years so I never needed to opened my own line so this account that has been opened in my name isn't my account I was informed to send in a debt validation letter to fix my credit due to buying a house so my credit needed to be clean and this is defaming my character I sent in my letter XX/XX/year> certified mail and I got a letter back that it was verified and the only thing shown on there was their letter head and a statement showing with payment due that's all it showing nothing else I wanted to know where this account came from because it was not mines I want this to be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
XX/XX/year> some one gained access to my personal information and was approved for a apartment with XXXX XXXX XXXX and created a debut for XXXX XXXX I also noticed a address I have no association with was reported on my credit report the same time the collection popped up which was XXXX XXXX XXXX XXXX md XXXX. I tried disputing address but wasn't successful with all three credit reporting agencies.

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 2024-03-25 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: WA

Complaint narrative:
On the XXXX XXXX XXXX XXXX, credit accounts with XXXX XXXX XXXX ( XXXX ) were converted to credit accounts with a bank called : XXXX  ( XXXX  ). By XXXX, XXXX began reporting XXXX credit accounts to the credit reporting agency : Experian ( XXXX ). Despite multiple requests with XXXX XXXX XXXX to correct this error ; and, submitting disputes through Experian directly, XXXX has continued to report XXXX different accounts with different balances to Experian. This has negatively impacted my credit for approximately XXXX months now.

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 2024-03-24 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: IL

Complaint narrative:
I ask to see verify information of the inaccurate thats showing the wrong information on these accounts. They validated so many of my rights and its a lot inaccurates. They done skip months and also one of the account XXXX show nd no data how is that possible. XXXX account shows 30 30 90 days inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-03-24 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: DISCOVER BANK
State: AL

Complaint narrative:
Did not authorize these companies to run hard inquires on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: CITIBANK, N.A.
State: AL

Complaint narrative:
Did not authorize these companies to run hard inquires 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