vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have reached out to Equifax for over 3 years now attempting to have my credit file Opened. I have been denied loans because the creditors are unable to access my credit file. Each time I call I am told that if I send a copy of my drivers license and social security number this issue will be resolved. 

On my recent call to Equifax I was told that they had the incorrect date of birth on file and that was the reason it was locked.I sent a copy of my drivers license and social and the issues still remains. When I login to the Equifax website there is no report to view but the account says that my credit file is not locked. 

I have been contacting Equifax for years to have this resolved and no one seems to be able to fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Synovus Bank
State: FL

Complaint narrative:
I was denied my own personal credit I feel like thats a violation of consumer law everybodys in titled to their own personal credit title 15 subsection title, 1611 faults and misleading denial of my own credit incorrect data or information, assassinate the ability for me to obtain credit 15 USC 6802, 15 USC 6803, 15 USC 6804 and 6805

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: Westlake Services, LLC
State: TX

Complaint narrative:
I hope this message finds you well. I am writing to express my concern and submit a complaint to WESTLAKE FINANCIAL SVC regarding the improper use of my credit report and the reporting of inaccurate information on my file. I previously sent a letter to your office requesting an investigation into certain unverifiable accounts. Despite your assurance of conducting a proper investigation, upon reviewing my credit report, I discovered that inaccurate information persists. The discrepancies include but are not limited to, the date opened, date of last activity, date reported, account status, and payment history. It is disheartening to note that such inaccuracies continue to be reflected in my credit report, despite the initial request for investigation. I believe this situation infringes upon my rights as outlined in 15 U.S.C 1681 section 602 A, which emphasizes my right to privacy. Additionally, 15 U.S.C 1681 section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my written instructions. I kindly request a thorough review of my case and the prompt correction of the inaccuracies in my credit report. Your cooperation in resolving this matter is highly appreciated. I trust that, as a reputable credit reporting agency, WESTLAKE FINANCIAL SVC will take the necessary steps to rectify this situation and ensure the accuracy of the information in my credit file. I have attached an FTC report with the report number XXXX to support this complaint.

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 2024-01-11 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/1983 XXXX My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has nothing. Please help me delete these illegal accounts from my credit reports. Here is a list of those accounts, Collection Agency : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX, Amount : {$1200.00} Collection Agency : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX, Amount : {$630.00} XXXX XXXX, Amount : {$620.00} XXXX XXXX XXXX XXXX : {$580.00} XXXX XXXX XXXX XXXX : {$240.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 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: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I was a victim of ID Theft, I was starting to get collections letters in the mail and phone calls, so I pulled my credit I saw several things on my credit report. These accounts are not mine. I have contacted the companies and they refused to help me. I would to have the following accounts removed from my credit report : Digital Federal Credit Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I received a home repair loan from the USDA in XX/XX/XXXX. The contractors work was delayed. The date was changed on the contractors work but was not changed by the XXXX  on my Promissory Note. When the work was completed on XXXX XXXX, XXXX the loan was put into action and because the Promissory Note date was not changed as was required by Paragraph XXXX XXXX XXXX ) of XXXX XXXX XXXX XXXX XXXX I was immediately past due XXXX months before I even received billing. As a result, the USDA reported me as not paying on my loan. I have since disputed the errors through XXXX and the late payments error has been removed. This was a horrible situation. In the meantime, I received a letter from Synchrony Bank cancelling my XXXX XXXX XXXX Credit Card based on the derogatory information reported to XXXX. The XXXX Account ending in XXXX is a small account. I recently paid off the account. I have never been late with a payment the entire time I had the account. Always paid on time. Never went over my credit limit, etc. The reporting of derogatory information by the XXXX  was no fault of mine. The XXXX  made the error and they fixed it. Now Synchrony Bank is hurting my credit. My credit score has also been restored.

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 2024-01-11 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:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of anxiety and distress, and I am pleading with you to remove them 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 explanation
Consumer complaint received 2024-01-11 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: IL

Complaint narrative:
There is information on my consumer report that is a result of identity theft, 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 non-monetary relief
Consumer complaint received 2024-01-11 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: CBC Companies, Inc.
State: IL

Complaint narrative:
There is information on my consumer report that is a result of identity theft, see attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
ACCOUNT NAME : XXXX  XXXX ACCOUNT # XXXX *Please update the payment history with these accounts on file* Account Name : XXXX Account XXXX XXXX *Please update the payment history with these accounts on file* In accordance with the Fair Credit Reporting act ( ex : XXXX XXXX XXXX XXXX  ) Account # XXXX, XXXX Account # XXXX violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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 1666B : A creditor may not treat payment on a credit account under an open end consumer credit plan as late for any reason.

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
ACCOUNT NAME : XXXX XXXXXXXX ACCOUNT # XXXX *Please update the payment history with these accounts on file* Account Name : XXXX Account XXXX XXXX *Please update the payment history with these accounts on file* In accordance with the Fair Credit Reporting act ( ex : XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX violated my rights.

15 U.S.C 1681 section 602 A. States I have the rights 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 1666B : A creditor may not treat payment on a credit account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My closed and repayed loans are now causing my credit score to go down. I have disputed this and have the screen shots of the loans saying repayed and closed as well as the 2 currently open saying in good standing. This issue has brought my score down significantly in the past month.

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 2024-01-11 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: DISCOVER BANK
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX  Phone : XXXX XXXX XXXX XXXX DISCOVER FINANCIAL SER XXXX  READS WAY XXXX XXXX, DE XXXX Dear { DISCOVER FINANCIAL SER } This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : DISCOVER FINANCIAL SER Made on : { XXXX XXXX AND XXXX XX/XX/XXXX } Made with : XXXX, XXXX, AND XXXX TO INCLUDE ANY REPORTING ANGENY USING THE SSN AND NAME To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. 
Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 
Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 
Sincerely, XXXX XXXX XXXX ATTORNEY OF FACT SIGNED WITHOUT PREJUDICE All inquiries and reported information are to be restricted to the consumers ' wishes in writing. Thus no other reports will be submitted without the consumer 's knowledge or written permission. DATE XX/XX/XXXX Claim initiated

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 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 never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: VA

Complaint narrative:
Debt collector placed collection action on my Experian credit report. Disputed and requested removal of collection from credit report, but Experian kept collection action on report based upon debt collector saying debt is valid. Also sent letter to debt collector disputing charge and requesting removal from credit report. Have attached copies of the letter to Experian and the letter to Experian. In both letters, I explained that this is an invalid attempt to collect the full rate for emergency medical services that were covered by my health insurance contract and the contract that the emergency medical services provider had with my health insurance company as an in-network provider.

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 2024-01-11 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: EdFinancial Services
State: PA

Complaint narrative:
On XXXX XXXX XXXX I paid off both my subsidiary and non subsidiary loans made out to the us department of student loans they were cashed but ed financial services never got the update and have been charging interest and sending me notifications since then I filed a complaint and was told through ed financial services that it would be solved within a month since then nothings been done and when I call student financial services they tell me its the us dept of educations fault when I call them they tell me its Ed finance service problem Im getting the run around and when I just called the complaints office for us dept of education they told me all three departments are all the same under one big umbrella and now my credit scores are being affected I dont understand why all Of this is happening In XXXX XXXX XXXX  the us department of education cashed my checks without any problem but never updated ed financial services

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
per my previous complaint ( case XXXX ), I am not sure why AE is expressing that I had less money on the card than what I actually had. The card was taking cents out of my account when I tried making purchases. I have an image of the actual balance that I had before I gave up attempting purchases. I can email the image to a representative. There is no way that I had $ XXXX {$50.00} on the card. I am not sure where that information came from, but I would like that false information resolved. I am glad i took an image before the card was cut off, because I wouldnt be able to prove my case otherwise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-11 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: IN

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges 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 2024-01-11 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: CA

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 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: CA

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
To Whom It My Concern Dispute Center In reviewing my XXXXXXXX XXXX XXXX on Friday, XX/XX/XXXX, I noticed my score changed from XXXX to XXXX by dropping XXXX points from previous credit reports. The drop in score is due to my Capital One account needing to be listed on my XXXX XXXX XXXX 

Since Capital One did not list my account on the XXXX report, the report showed a fair credit score versus an Excellent score. Earlier this year, I experienced the same problem with Capital One not reporting my credit information to XXXX, and it took months to rectify the situation. 

Since I am self-employed, my credit score assists with my borrowing capital. Please report Capital One on my XXXX credit report immediately to alleviate any problem with my XX/XX/XXXX credit report. 

Capital One Credit Bureau Resolutions notified me by letter on XX/XX/XXXX, stating that they verified that the above-referenced account is reporting to my credit file and advised that I contact the credit reporting agencies directly to assist with my request. 

On XX/XX/XXXX, at XXXX XXXX I reached out to XXXX and spoke with XXXX XXXX XXXX representative identification # XXXX. He stated that I must contact Capital One to resolve the problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
A public record was removed from my account at Experian. However, unlike the two other bureaus, my score dropped XXXX XXXX 

I have no other negative accounts. All accounts are current. Its seems like this is racial profiling. Hence, I request that you investigate this matter.

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