vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
My car payment is every day on the XXXX of each month. On XX/XX/year> I made my payment, which was a payment on time. This payment was correctly reflected on my account statement. However, GM Financial bank processed the payment on XX/XX/XXXX. Which indicates that I supposedly paid out of time. This generated a report on my credit report that I paid XXXX  days late when that is not true. The bank explained to me that even if I paid on time, I should have taken into consideration the banks ' possible payment times. Something that is not stipulated, they also indicated that they received the funds on XX/XX/year>. When my account bank statements that I sent them via fax showed the payment on XX/XX/XXXX on time and no more charges on other dates later. I am in the process of entering the XXXX XXXX as an XXXX for a special XXXX XXXX XXXX XXXX XXXX and I explained to them that this error would delay my security clearance process. They told me that it could be a system error but that they could only notify the XXXX system and resolve it in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Earnest Inc.
State: OH

Complaint narrative:
In XX/XX/year>, I was officially enrolled and in class at The XXXX XXXX XXXX XXXX XXXX a satellite campus of XXXX XXXX XXXX. At the time, the school was favored by myself due to the combination of a fine arts degree in animation ( which is difficult to find ), as well as the high salary and placement rates advertised by the school. I also chose this school because the XXXX XXXX XXXX assured me my XXXX XXXX XXXX  would cover most of my tuition. 

After about a year of accumulating loans and attending the school, I discovered my XXXX XXXX XXXX was not applicable at this school. As XXXX XXXX XXXX ( XXXX for short ) are private and for-profit, they are not covered. I was unaware of this and was led to believe this was not the case at my enrollment. At this point, I had already borrowed XXXX XXXX  for tuition and my credits were nearly impossible to transfer. Most of my loans were through XXXX XXXX, with some also coming from XXXX XXXX. The school dictated which financial institution I was able to use. I decided to make the best of it and continue my degree so I could at least find gainful employment for the high tuition. 

During my tenure at XXXX, I had several poor experiences that were not acceptable at a collegiate level. The most egregious was the career services team, which promised connections to local companies which would interview us as students nearing XXXX : XXXX services once lined me up with a job interview for creating XXXX XXXX. When I showed up for the interview, it was not at a XXXX XXXX XXXX business. Instead it was at a bar and grill, where the owner wanted XXXX to be created for his XXXX based in XXXX. The workplace was to be the basement of the bar and grill, alone with the owner, and the job application given to me was for the XXXX XXXX XXXX  rather than a professional XXXX XXXX. The situation, interview, and environment were so strange and uncomfortable that I reported this listing to the school. Rather than investigate, they referred other students in my class when I turned the offer down. I was only given XXXX other job recommendation after this. 

Rather than getting a low-paying job in the field with the degree that I had, I continued to work my XXXX XXXX  which paid more and did not require higher education. I took out nearly {$95000.00} in XXXX XXXX and could not secure a job in my field, rendering my degree nearly worthless. The XXXX XXXX burden has significantly affected my future job prospects as I had to take on multiple jobs at once to be able to afford the loan payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: NC

Complaint narrative:
I sent all 3 of the bureaus a request to validate the negative accounts listed on my credit report back on XX/XX/year> and no one ever sent me what I requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 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: NC

Complaint narrative:
I sent all 3 of the bureaus a request to validate the negative accounts listed on my credit report back on XX/XX/2023 and no one ever sent me what I requested.

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 2024-05-03 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I got a letter from Synchrony Bank dated XX/XX/year> stating that the terms on my account has changed. 
It has a note in it that I have the right to reject the changes other than any changes to the APR ( s ).

Two of the changes are very objectionable : 1. There is now a promotional fee. The promotional fee is applicable to any purchase made before the effective date.

2. They are now charging a statement fee. 

I called up the number provided XXXX, thinking I can reject the change. I get an automated message saying this is to cancel the account. I called the regular customer service line XXXX to get clarification. The customer service rep is saying I would be closing the account so it can no longer be used, which I am fine with but then they will continue to send me the bills and charge me the fees I have rejected.

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 2024-05-03 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: IL

Complaint narrative:
In my communication dated XX/XX/2024 ( See attached Supporting Document # XXXX ), I notified Teletrack of that I was exercising my right under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ) ( B ) ( iii ) to request the Method of Verification that was used to verify the accuracy of inaccurate information in my Teletrack Consumer Disclosure Report. 

My Method of Verification Request ( MOVR ), dated XX/XX/2024, was made pursuant to the FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which reads : A description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 


I requested that Teletrack provide a detailed explanation of the specific method used, including the name and contact information of the person Teletrack spoke with ( including the date and time of the discussion ) who verified the inaccurate information as accurate. Along with the MOVR details, I requested that Teletrack provide me verification of the accuracy of the aforementioned items and supporting documentation to support its claim. 

The FCRA 611 ( a ) ( 7 ) requires that Teletrack respond to my MOVR  within XXXX. The XXXX statutory deadline for Teletrack to respond to my Method of Verification Request was XX/XX/2024. 

In a letter dated XX/XX/2024, ( postmarked on XX/XX/2024 XXXX days AFTER the date of the letter and XXXX days AFTER the statutory XXXX requirement ), titled Dispute Process Description ( See attached Supporting Document # XXXX ), Teletrack replied to my Method of Verification Request with a generic, overgeneralized, nonsensical description of their reinvestigation procedures. Teletrack failed provide a description of the SPECIFIC PROCEDURE it used to reinvestigate my dispute, the name, date, and time of the individual they spoke with who verified the accuracy of the inaccurate information, and any supporting documentation to support its claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: TX

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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX  Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 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: LEXISNEXIS
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/1992 XXXX LexisNexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXX XXXX GA XXXX I have received Lexis Nexis rebuttual to my dispute letter. Lexis Nexis failed to do a proper investigation under XXXX XXXX XXXX XXXX XXXX definitionof a consumer investigation which I have attached this dispute. This law states investigative consumer report ( XXXX ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. This law states that Lexis Nexis can not use XXXX as an consumer investigation to verify this bankruptcy reporting on my credit profile which makes this bankruptcy unverifiable. Under 15 USC Code Section 1618i ( 5 ) ( a ) ( i ) Procedures in case of disputed accuracy states treatment of inaccurateor unverifiableinformation if any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information to be inaccurateor incomplete or can not be verifiedthe consumer reportingagency shall promptly delete that item of the information from the file of consumer. Also I have reached out to the bankruptcy court of Georgia and they stated they do not provide information to credit reporting agencies including Lexis Nexis. This inaccurate bankruptcy is ruining my credit worthiness to purchase a home. I am XXXX percent XXXX military veteran and it I am currently homeless because I cant get a home or apartment due to this inaccurate bankruptcy. 
I requesting that Lexis Nexis delete this unverifiable bankruptcy from my credit report Under 15 USC Code Section 1618i ( 5 ) ( a ) ( i ) Procedures in case of disputed accuracy Once the bankruptcy is removed from my credit report. Can Lexis Nexis please send me an updated Lexis Nexis report via mail. 



Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: WI

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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2024-05-03 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:
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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXXXXXX 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 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: LA

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 3rd party. They in fact did not come from a 3rd 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 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 2024-05-03 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: LA

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 3rd party. They in fact did not come from a 3rd 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 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 2024-05-03 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: GA

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. 

Account Name : XXXX  XXXX Account XXXX Account Name : XXXX  XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 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: GA

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. 

Account Name : XXXX  XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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