vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Previous employer I worked for used my ssn and personal information without my consent to open an American express platinum card for his business. Told me he was approved and asked if I wanted to be a secondary on the account. He used my information on the w2 I filled out during my hiring process to open the account with me listed as the primary and got himself listed as a secondary. I was informed about this by amex, confronted this business owner and was threatened and fired. Amex is not stopping coming after me for the payment even though they know the entire story at this point. I have an open police investigation on the individual and amex is not providing the requested information to the detective. Instead of providing the detective the requested information, they have moved the account over to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: FL

Complaint narrative:
Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$1500.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Maximus Federal Services, Inc.
State: WA

Complaint narrative:
XX/XX/year> : Submitted Loan Discharge Application to Aidvantage Fraud and Forgery for two ( 2 ) fraudulent student loans from a different state that had popped up on credit report. Fraud student loan amount # XXXX : {$1700.00}. Fraud student loan amount # XXXX : {$1400.00}. Submitted TONS of supporting documentation. Examples : FSA complaints, FTC reports, credit freezes, proof of address/ID and much more. 

XX/XX/year> : Received a letter dated for XX/XX/year> from Aidvantage stating they : " Needed a copy of my high school diploma/transcript and/or GED certificate ( which is required by the Dept. of Education ) '' XX/XX/year> : Faxed letter stating I XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Called in to Fraud Dept AGAIN on Monday XX/XX/year> to be told to just send in whatever was on my high school transcript. Requested that from district and faxed transcript to Aidvantage on XX/XX/year>. 

XX/XX/year> : Another letter dated for this day, stating : they " did not receive requested supporting documentation ... '' and " missing records from school '' I called in to Fraud team again and was told they could not find my fax. Then told they did find it and I " just needed to wait ''. 

XX/XX/year> : Received another letter, dated for XX/XX/year>, from Aidvantage that they were : " unable to conclusively determine that a fraud was committed or attempted using identifying information of another person without authority '' AND that they " have not received the requested supporting documentation to substantiate my declarations from my discharge application '' THIS IS INACCURATE. They have ALL KINDS OF INORMATION SUPPORTING THIS. I have XXXX XXXX XXXX XXXX  how could I enroll in college to get student loans, this is absurd. I am XXXX and will call tomorrow when their Fraud Dept in Texas opens in the morning. 
XX/XX/year> : Emailed Advocates at Aidvantage, Customer Service at Aidvantage, reopening my FSA complaint account so I can file a new complaint with the Obudsman Group of the Dept. of Edu. Also filing this report here with CFPB. And will be calling Aidvantage Fraud Dept in the morning, AGAIN. Likely to be told " to wait ''. Ridiculous. 

It is absolutely backwards how easy they issued funds electronically for fraud loans, with only an electronic signature and NOT verifying ID, but I can not get them to remove these without jumping through hoop after hoop. It is dragging on, this is not a good process for victims of identity theft. The amount of paperwork I have on this is wild. I hope this complaint helps someone in the future to avoid this nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: CBC Companies, Inc.
State: CA

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
I am writing to formally dispute the inaccurate information regarding the Midland Credit Management account listed on my credit report. The account references the original creditor as XXXXXXXX XXXX XXXX, and I have found multiple discrepancies across different credit reports. 

The inaccuracies are as follows : XXXX. Different Reporting Dates : As shown in the attached credit reports, XXXX lists the balance as of XX/XX/XXXX, while both XXXX and XXXX report the balance as of XX/XX/XXXX. The inconsistent reporting of the same debt violates the accuracy requirements outlined under the Fair Credit Reporting Act ( FCRA ). 
2. Balance Inconsistency : All three credit reports show a balance of {$620.00}, but the dates are inconsistent. Additionally, it appears that this account has already been sold to Midland Credit Management, yet there is still a balance reported under XXXX XXXX XXXX, which suggests potential double jeopardy. 

This inaccurate and conflicting information is damaging to my credit profile and violates my rights under the FCRA. According to 15 USC 1681i, credit reporting agencies are required to ensure that all reported information is complete and accurate. The discrepancies in these reports indicate that this account is not being reported consistently or accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: FL

Complaint narrative:
I, XXXX XXXX XXXX, am hereby exercising my right under the Fair Credit Reporting Act ( FCRA ) to request correction of inaccurate personal information in your database. The FCRA provides that consumers have the right to dispute any inaccurate information in their credit reports, ensuring that such information is accurate, fair and private. 

In particular, I request the removal of the following addresses, names and dates from my credit history, as I believe they do not accurately reflect my current situation : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This application is based on several provisions of the FCRA, which ensure the protection of consumer rights : Section 609 ( 15 U.S.C. 1681g ) : Right to receive the information contained in your file in a complete and clear manner, which allows me to identify the inaccuracies I now wish to correct.

Section 611 ( 15 U.S.C. 1681i ) : Obligation of credit reporting agencies to investigate any dispute of information submitted by a consumer within a reasonable time, usually 30 days, to ensure the accuracy of the data.

Section 605 ( 15 U.S.C. 1681c ) : Establishes the right to removal of inaccurate, outdated, or unverifiable information from credit reports, protecting consumers from inaccurate data.

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 2024-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I used an Apple credit card issued by Goldman Sachs to make XXXX separate purchases at the Apple Store, an XXXX and an XXXX using the XXXX interest installment plan for both. 

I then returned an item to a different store altogether which resulted in a credit balance approximately {$3600.00}. The installment balance was around {$2400.00}. 

I requested a refund from Goldman Sachs for the entire credit balance which that representative agreed to. 

When I hadn't received the credit balance in five days I called again. I was told by that representative the original representative was mistaken, because it is Goldman Sachs policy to keep any credit balance, even if it is over the installment plan balance, to be applied to the monthly installments each month until the installment plan was paid off entirely before any funds, even those in excess of the installment balance would be refunded. 

I spoke with a XXXX other managers who reiterated the same information. 

I said okay, can I pay off the installment balance. They said sure, you can do it through the Apple Wallet. The Apple Wallet app will only let you pay off installment payments each month, so no, you can't actually pay it off early. Goldman Sachs has no way to do it. 

I talked to more representatives who all said the same thing. Hours and hours of talking to Goldman. Finally I used their chat facility and someone was able to return the {$1200.00} in excess of the installment balance, but that still left {$2400.00} they were keeping to make the monthly payments, again turning an installment product into a pay up front. 

What I finally had to do was return the XXXX and XXXX in order to get rid of the installment balance. 

This happened less than a month ago so Goldman hasn't learned their lesson from the CFPB fines.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I contacted XXXX to dispute the inaccuracy and errors of XXXX Bankruptcies present on my credit reports. I first contacted the local Bankruptcy court to understand how XXXX bankruptcies were reported on public record when I did not complete a bankruptcy. There are XXXX bankruptcy months apart which is not feasible in bankruptcy court laws which is a direct indication of error and inaccuracy and clear violation of 15 USC 1681. I was informed by the court that they did not report any information to the credit bureaus. On XX/XX/year> XXXX XXXX conducted its investigation and determined that the bankruptcy filings report data as unverifiable and is in violation of the FCRA and was removed and their files updated. So I am confused as to how Experian, XXXX and XXXX was allowed without permission from the court or anymore to report this erroneous and inaccurate information. I have disputed the violation with all XXXX credit reporting companies with no avail. I contacted XXXX XXXX and they have disputed this information along with a erroneous collection in violation fo 15 USC 1692, but have not received a response from them. The XXXX, XXXX and XXXX are in clear violation the FCRA which allows me to sue in State and XXXX XXXX. If these items are not removed immediately, I will be forced to seek legal redress with the bankruptcy for reporting inaccurate and erroneous information but again they said they do not have a completed bankruptcy on file for me. I need these bankruptcies and collection removed 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 2024-10-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MO

Complaint narrative:
I was led by forbearance steering. I used up forbearance and was not given other options. My interest rate was increasing during this time as well. My debt was on par with the national average, but after maxing out forbearance time, my debt tripled. I was not given coaching or made aware that the interest rates would change. My current interest rates are in the double digits despite improving my credit. I have a XXXX XXXX XXXX with debt over XXXX dollars. I've made payments for over a decade and seen little to no decrease in my debt. I do not have any other options for repayment and a medical emergency or financial crisis would put me in a extremely bad spot. My debt to income ratio has impacted my quality of life. It affects my credit, car insurance and living options. I have more than paid my initial balance, likely XXXX over. Navient has not made efforts to make me aware of other options and has not been flexible in payment options. The few options I had were used up over a decade ago. I am paying $ XXXX and my debt does not seem to be declining significantly. No one informed me of increased interest rates and I have not been told why interest rates increased. All of my cosigners are over the age of XXXX and retired. They are not going to be able to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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:
RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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 2024-10-23 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: FL

Complaint narrative:
XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements. 
Requested Resolution : I request that Equifax conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. Additionally, I request that the credit reporting be corrected across all three major credit bureaus ( XXXX, XXXX, and Equifax ). 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Attachments : Please find attached copies of my payment records and any additional supporting documents to assist in your investigation. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 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: WI

Complaint narrative:
My accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX were 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 ( MONTHS REPORTING LATE ) 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 XXXX XXXX  XXXX XXXX AND 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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: GA

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 account listed without my expressed written consent.

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