vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing a collection account added recently onto my credit report of Equifax with no creditor name given, nor any proper information are provided but an amount for {$1400.00} appearing on my credit report ( see attached copy of my Equifax report ) My consumer report is inaccurate and unfairly reported. You took information from an alleged creditor ( still dont know what it is!! ) then reported this inaccurate information on my report without consulting me to confirm whether this information was accurate or not. 

Please note that under the Fair Credit Reporting Act ( 15 U.S.C. 1681n ), failure to investigate and correct any inaccuracies in my credit report could result in legal action. I trust that Equifax will handle this dispute with the utmost diligence and resolve the matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: HI

Complaint narrative:
On XX/XX/XXXX, I was informed by XXXX XXXX as security XXXX from XXXX that there was a fraud charge, and after it was resolved he offered security text alert as additional safety measure. He claimed that he can see all my bank accounts, and he said that he will send out a demo/testing message just to ensure that security text service is working. He informed me that no action will be taken and no charges will go through that mentioned in the text. 

On XX/XX/XXXX, I saw XXXX charges totaling {$40000.00} from a company that I don't recognize or do business with and I do not recognize or authorize the XXXX charges. I immediately called American Express to report fraud charges and to open investigation. American Express customer service told me that " I '' was calling earlier to close the account, and I told American Express that I had never called them earlier and it was the first time of the day that I called American Express to inform them of the fraud charges. I was very concerned that American Express customer service XXXX measure was so weak that someone could easily passed and claim to be me calling without being detected, and American Express think it was me calling when it was not. 

When I tried to report to the police, the police asked for a paper bank statement, and because I no longer have access to my account I have to rely on American Express to mail out paper copy statement to my address. I have been trying to request for 5 times since XX/XX/XXXX, and even though American Express to mail it out, it never did, as I never received and when I called back to inquire, I was told that American Express has never mailed out any paper statement, even if they said they did every time I requested. To this day, I still have not received and it has delayed my police reporting time for a month and half now, and the customer service has very bad attitude and refuse to help or provide alternative solutions. 

Also, American Express has not taken investigation seriously the first time, so I had to call in to request a dispute investigation. They are currently working on it. 

I am deeply upset by how American Express fail to provide documents and lying about they did mail out when they didn't and keep delaying me from reporting to the police and that their customer service give very bad attitudes and refuse to help or provide solutions and that the team is not taking investigation or my explanation of what happened seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Marlette Funding, LLC
State: GA

Complaint narrative:
Got it. Heres a description you can use : I contacted Best Egg before my account closure and spoke to a representative who assured me that my account would remain open if I made a payment on XX/XX/XXXX. I made the payment and scheduled the next two months ' payments. I see that the payment posted and was withdrawn from my bank. However, when I called today to confirm everything, another representative informed me that the account closed on the XXXX. This was after the first representative said everything would be in good standing. The second representative claimed he didnt have that information. In my defense, this means I was given false information or was blatantly lied to about the account status just to receive a {$55.00} payment on an outstanding balance that was going to be paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
Upon reviewing my credit report on todays date XX/XX/year> I was surprised to see that this account is being reported as a charged off account on my XXXX report when in fact as is shown on my other two reports this account has been paid off. This has caused me significant stress and explains in part the reasoning why I have been having a harder time obtaining credit and have had higher interest rates for the credit I have received.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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. 



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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 2024-10-03 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:
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 XXXX XXXX XXXX. XXXX XXXX. XXXX, section XXXX ( A ), states that I have the right to privacy. 

XXXX XXXX. XXXX, section XXXX ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

XXXX XXXX. XXXX ( a ) ( XXXX ), section states : No consumer reporting agency XXXX include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) states : 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. 



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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 2024-10-03 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: PA

Complaint narrative:
This morning, I found unauthorized inquiries on my credit report, and XXXX clueless about the reason behind them. I checked my credit report as usual, but new discrepancies showed up unexpectedly. I even refreshed my browser, hoping it was just an error, but it wasnt. These unauthorized inquiries remained, and its incredibly frustrating. I need this issue resolved immediately by reviewing the documents I've provided so I wont have to deal with this again.

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 2024-10-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I am writing to formally request a complete and total discharge of all of my student loans held by Navient because of their misleading and misguided practices as well as their misrepresentation and their failure to provide correct and proper information and guidance pertaining to my student loan repayment options. 

Navient misguided me into choosing forbearance and deferment options, year after year after year, instead of guiding me toward income driven repayment plans that would have allowed me to obtain more affordable payments that would have eventually led me to student loan forgiveness. With the steering away from the income driven repayment options, my loan amounts continuously increased to amounts that surpassed the original amount of the loan. These incidents caused my credit score to repeatedly plummet and cause a financial strain which has made it difficult for me to obtain my expected financial obligations. 

Also, Navient has a sorted history of misreporting my payment status to the necessary credit agencies which overwhelmingly damaged my credit score. The inaccurate information provided by their representatives has interfered with my ability to obtain a more fair and equitable repayment options which has contributed to an astounding amount of accrued debt. These unfair and unscrupulous practices are consistent with the company 's boundless fraudulent actions for which Navient has been sued by many states and the Consumer Financial Protection Bureau ( CFPB ). 

Navient 's practices have caused me a great deal of financial harm, undue stress, anxiety and a lasting financial burden which could have been avoided with fair guidance concerning my student loan repayment options. I trusted the agents that I spoke with on numerous occasions to help guide me in the best decisions regarding my student loan repayments. This unfair practice has created an unnecessary and unjust financial burden and I would ask to have all of my student loans fully forgiven. 

Thank you for reviewing my request. I am hoping that CFPB will take the steps and actions to hold Navient accountable for their unfair practices and provided complete student loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: OH

Complaint narrative:
On XX/XX/year> XXXX was documented reporting inaccurate information on my credit report. A dispute was filed and is still pending. XXXX has previously reported and removed inaccurate information. XXXXXXXX XXXX XXXX account number XXXX. Now XXXX more account are being reported inaccurately. As a result of XXXX XXXX XXXX failure to follow reasonable procedures to assure maximum possible accuracy, in multiple instances causing numerous violations ( {$1000.00} per violation ). XXXX has provided consumer reports with incorrect and misleading information regarding a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: OH

Complaint narrative:
On XX/XX/year> XXXX was documented reporting inaccurate information on my credit report. A dispute was filed and is still pending. XXXX has previously reported and removed inaccurate information. XXXXXXXX XXXX XXXX account number XXXX. Now XXXX more account are being reported inaccurately. As a result of XXXX XXXX XXXX failure to follow reasonable procedures to assure maximum possible accuracy, in multiple instances causing numerous violations ( {$1000.00} per violation ). XXXX has provided consumer reports with incorrect and misleading information regarding a consumer.

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 2024-10-03 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: NY

Complaint narrative:
After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks.

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 2024-10-03 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: FL

Complaint narrative:
I am writing to disputed account on my credit report that were made without my consent. According section 604 OF THE FAIR CREDIT REPORTING TO SECTION ( 15 U.S.C 168 1 B ), there are specific permissible purposes for obtaining a credit report. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report, PLEASE DELETE ACCOUNT XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: Continental Finance Company, LLC
State: CT

Complaint narrative:
On my credit report I have informed XXXX XXXX its not mine. Celtic bank not mine and XXXX that it is not mine this is being reported twice. XXXX XXXX XXXX  not mine. I did an Identity Theft Report. XXXX. I reported it to all credit bureaus and they still have not removed them

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 2024-10-03 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: OH

Complaint narrative:
I pulled my credit report and noticed several unauthorized inquiries on my report. I filed a complaint with XXXX. I want these inquires removed.

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 2024-10-03 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:
I am filing this complaint to address inaccuracies and violations in the reporting of several accounts on my credit reports by various creditors and credit bureaus. The following accounts are being reported incorrectly, violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 Account 1 : XXXX XXXX XXXX Violations : XXXX XXXX XXXX continues to report a derogatory account on my XXXX and Equifax credit reports, despite the fact that XXXX has deleted this charge-off. The creditors have failed to ensure the accuracy of their reporting as required by the FCRA ( 15 U.S.C. 1681 ). XXXX and Equifax are actually non compliant and are being negligent by not following suit violating 15 USC 1681N Civil liability for willful noncompliance The account was not properly validated, and I was not provided any notice or opportunity to dispute the account before it was placed on my report, violating 12 CFR 1006.34 ( b ) ( 5 ), ( c ) ( 4 ) ( i ), and ( d ).

Resolution Requested : I request that XXXX and Equifax immediately delete this inaccurate information from my credit reports to ensure compliance with federal regulations. 


Account 2 : XXXX XXXX ( Original Creditor : XXXX ) Violations : The debt collector XXXX XXXX has reported a collection account on all three of my credit reports without ever providing validation of the debt or the required notice, in violation of 12 CFR 1006.34. 
The account was placed without giving me the opportunity to dispute it and is therefore misrepresenting my creditworthiness, violating my rights under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ). 
Resolution Requested : I request that the credit bureaus remove the collection account due to its inaccurate and unverified nature. 


Account XXXX : XXXX XXXX Violations : The account number associated with this XXXX XXXX credit card is being inaccurately reported. This inconsistency breaches the requirement for accurate information under the FCRA, 15 U.S.C. 1681. 
XXXX XXXX has not clarified nor provided adequate validation. The conflicting details of the account number and reporting raise concerns about the legitimacy of this account. 
Resolution Requested : I request the immediate deletion of the reported account and that the incorrect XXXX XXXX account be removed from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: FL

Complaint narrative:
I am filing this complaint to address inaccuracies and violations in the reporting of several accounts on my credit reports by various creditors and credit bureaus. The following accounts are being reported incorrectly, violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 Account 1 : XXXX XXXX XXXX Violations : XXXX XXXX XXXX continues to report a derogatory account on my Experian and XXXX credit reports, despite the fact that XXXX has deleted this charge-off. The creditors have failed to ensure the accuracy of their reporting as required by the FCRA ( 15 U.S.C. 1681 ). Experian and XXXX are actually non compliant and are being negligent by not following suit violating 15 USC 1681N Civil liability for willful noncompliance The account was not properly validated, and I was not provided any notice or opportunity to dispute the account before it was placed on my report, violating 12 CFR 1006.34 ( b ) ( 5 ), ( c ) ( 4 ) ( i ), and ( d ). 
Resolution Requested : I request that Experian and XXXX immediately delete this inaccurate information from my credit reports to ensure compliance with federal regulations. 


Account 2 : XXXX XXXX ( Original Creditor XXXX XXXX ) Violations : The debt collector XXXX XXXX has reported a collection account on all three of my credit reports without ever providing validation of the debt or the required notice, in violation of 12 CFR 1006.34. 
The account was placed without giving me the opportunity to dispute it and is therefore misrepresenting my creditworthiness, violating my rights under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ).

Resolution Requested : I request that the credit bureaus remove the collection account due to its inaccurate and unverified nature. 


Account 3 : XXXX XXXX Violations : The account number associated with this XXXX XXXX credit card is being inaccurately reported. This inconsistency breaches the requirement for accurate information under the FCRA, 15 U.S.C. 1681. 
XXXX XXXX has not clarified nor provided adequate validation. The conflicting details of the account number and reporting raise concerns about the legitimacy of this account. 
Resolution Requested : I request the immediate deletion of the reported account and that the incorrect XXXX XXXX account be removed from my credit reports.

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 2024-10-03 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: PA

Complaint narrative:
My account with XXXX AND XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX AND XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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