vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
In XX/XX/year> XXXX misapplied my monthly mortgage payment. I have two loans with XXXX and they applied both payments to one loan instead of properly applying the payments to the accounts due despite the account numbers clearly indicated on the face of each check.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: TX

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach, and fraudulent accounts have been reported under my name. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I respectfully request the immediate blocking and deletion of the accounts listed below from my credit file.

Fraudulent Accounts : 1. Creditor Name : XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$570.00} 2. Creditor Name : XXXX XXXXXXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$8600.00} 3. Creditor Name : XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3000.00} 4. Creditor Name : XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$2300.00} 5. Creditor Name : XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1800.00} 6. Creditor Name : XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$500.00} 7. Creditor Name : XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1000.00} 8. Creditor Name : XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1000.00} 9. Creditor Name : XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$570.00} 10. Creditor Name : XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1900.00} 11. Creditor Name : XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$840.00} 12. Creditor Name : XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$840.00} 13. Creditor Name : XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$4000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: TX

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach, and fraudulent accounts have been reported under my name. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I respectfully request the immediate blocking and deletion of the accounts listed below from my credit file.

Fraudulent Accounts : 1. Creditor Name : XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$570.00} 2. Creditor Name : XXXX XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$8600.00} 3. Creditor Name : XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3000.00} 4. Creditor Name : XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$2300.00} 5. Creditor Name : XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1800.00} 6. Creditor Name : XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$500.00} 7. Creditor Name : XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1000.00} XXXX. Creditor Name : XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1000.00} 9. Creditor Name : XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$570.00} 10. Creditor Name : XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1900.00} 11. Creditor Name : XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$840.00} 12. Creditor Name : XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$840.00} 13. Creditor Name : XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$4000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I discovered several violations of the Fair Credit Reporting Act ( FCRA ) and other related laws in how my personal information and credit report were handled. These violations include the failure of credit agencies and debt collectors to properly verify the accuracy of information before reporting it. For example, they accepted and reported inaccurate credit information without first verifying its correctness, which is in direct violation of FCRA Section 616. This section holds entities liable for willful noncompliance, which can result in civil penalties of up to {$1000.00} per violation.

Additionally, I found that my personal information was shared without my consent, in violation of FCRA Section 603 ( d ) ( 2 ) ( A ), which mandates that I be informed of my right to opt-out of sharing my information. Moreover, inaccurate debts and inquiries were reported without proper validation under 15 U.S. Code 1692g, which requires debt collectors to validate any alleged debt before pursuing collection or reporting it to credit bureaus. The failure to validate these debts, especially by providing signed contracts or agreements, means that they should not be listed on my credit report.

The reporting of " late payments '' also became an issue because these were inaccurately marked without clear definition of what constitutes a " late '' payment, which misrepresents my credit history. Furthermore, I was not provided with proper documentation or notification that would have allowed me to dispute these inaccuracies before they were reported.

As a result, I have requested that all incorrect personal information be deleted from my credit report, along with any unverified or inaccurately reported accounts. If these actions are not taken, I will be forced to pursue legal remedies under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ) to ensure my rights are upheld and the inaccurate reporting is corrected.

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 2024-11-25 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: OK

Complaint narrative:
Repeated failures to meet established deadlines and provide timely updates on the bureau 's handling of this investigation, including the most recent instance of missing the 30-day deadline outlined in your previous memo.

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 2024-11-25 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: TN

Complaint narrative:
After I checked my credit profile I seen some inquiries that are not mine.

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 2024-11-25 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2024-11-25 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: HI

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-11-25 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I have a Lowe 's Rewards Credit Card acct ending in XXXX. Synchrony Bank is the entity involved with that credit card. I regularly shop at Lowe 's but might use other credit cards if they offer a better interest rate etc. When I applied for my Lowe 's credit card, my credit was sufficient for Synchrony to approve a {$10000.00} line of credit. Recently, got an email advising that my credit limit has been reduced to {$1500.00}. When asked Synchrony why my credit line was reduced, they basically told me that it was because I wasn't spending enough money at Lowes on their credit card. I explained to Synchrony ( by letter ) that I do shop Lowes but haven't had occasion to use my Lowes credit card, but I may be using it the future for a kitchen redo etc, but if they want to try and control my spending habits maybe Synchrony should just cancel the card I will take my business to XXXX XXXX, Ikea or XXXX etc. Furthermore, I informed Sychrony that they may check my credit and they will see that it is very good and they also check my Care Credit card ( also controlled by Synchrony and they will discover that I am making regular XXXX XXXXXXXX via auto pay on tht acct balance to further support my excellent spending and regular repayment history. Synchrony responded by ignoring their myopic action & telling me I have to reapply as a new customer and prove myself credit worthy AGAIN. My answer to Sychrony is XXXX when I dump this subpar bank and tell Lowe 's why they are losing customers.

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 2024-11-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: MS

Complaint narrative:
On XX/XX/XXXX I tried to contact Aidvantage by telephone at the number given in a letter that I received dated XX/XX/2024. I got an automated service and could not speak with a person. On XX/XX/2024, I tried to get an email address from aidvantage.studentaid.gov/contact-us as directed by the letter. There was a chat option to speak with a representative, but I got a message stating that the " chat site was down ''. 
I need to contact them before XX/XX/2024 about the amount I am being charged per month. I am XXXX XXXX XXXX and on fixed income. 
Aidvantage does not make it easy to contact them. I am trying to do the right thing and pay, but I can not pay {$340.00} out of a fixed income. I need a much lower amount to pay,. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following :

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 2024-11-25 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following :

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 2024-11-25 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD Bank Fraud Department, I want to formally report a series of fraudulent charges on my TD Bank credit card account, which were discovered in late XX/XX/2024. Below is a detailed timeline and background of the events : XX/XX/2024 : I made a legitimate payment of $ XXXX to XXXX, a company that provides nutritional supplements. Since this transaction, I have not used my card again. 

Later in XXXX, I learned of multiple unauthorized charges on my account, primarily for restaurant and bar transactions across the United States. Please note that I did not leave my home at any point during this time, nor did I authorize any of these charges. Additionally, I have had possession of my credit card at all times. 

I immediately contacted TD Banks fraud team and reported the unauthorized transactions. Subsequently, a new card was issued, and I was informed that a claim had been filed regarding the fraudulent charges. 

Upon following up on the claim status a few days later, I was shocked to learn that the initial claim had been denied. I then spoke with another representative who filed a second claim on my behalf. 

Recently, I received a letter informing me that the second claim was also denied. 

For context, I am an XXXX individual who is currently homebound due to throat XXXX. I am unable to eat, drink, or even swallow my own saliva, making it impossible for me to visit any restaurants or bars. Given these circumstances, it is clear that the fraudulent charges could not have been made by me, as I have been confined to my home for the entirety of this period. 

I have never experienced any issues with fraud in my 80 years, and I find this situation deeply troubling. I am respectfully requesting that TD Bank reevaluate my case and conduct a thorough review of the circumstances surrounding these fraudulent charges. I believe this matter requires urgent attention, especially given my age and medical condition. 

Please let me know if further documentation is required to assist in resolving this issue. I am happy to provide any necessary information to facilitate the proper investigation of these charges. 

Thank you for your attention to this matter. I look forward to your prompt response and a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: OK

Complaint narrative:
Repeated failures to meet established deadlines and provide timely updates on the bureau 's handling of this investigation, including the most recent instance of missing the 30-day deadline outlined in your previous memo.

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 2024-11-25 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:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: TX

Complaint narrative:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experience supervisor violated my rights when I asked him to remove what the other company had removed. He told me he dont care what the other company move that they dont work off a consistency across all three reports. I asked that this account be removed now or I will seek an attorney and sue the company.

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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

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