vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-07 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: GA

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-02-07 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:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
On XX/XX/XXXX, Care Credit charged me a late fee of {$30.00} to my credit card account, after i didn't pay on the due date. I made my payment XXXX XXXX, XXXX. Then on XX/XX/XXXX, they charged me {$2.00} interest related to this same late fee. On XX/XX/XXXX, Care credit charged me {$35.00} late fee again. On XXXX XXXX, XXXX they charged me {$3.00} related this late fee. This time i did not pay my bill. The reason for the late fee and interest is based on an error in care credit system. I am signed up to receive Push notifications ( i have the app on my phone ) and email notification to let me know that my bill is due. I NEVER receive the notices, and therefore I've been late 3 times in a row. That's never happened and I've been with this company for about 5 years. There system isn't doing what it is supposed to do, and therefor it is an error on there behalf.

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 monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I checked my personal information on Experian. Upon checking I realized that there was a address mistake. They have XXXX addresses on my file. One says XXXX XXXX XXXX XXXX ca XXXX. And one says XXXX XXXX XXXX XXXX ca XXXX. The second one only has one number XXXX in the street address. So I filed a dispute that my information was wrong. Experian then gave a status that they updated the information. However everything was the same on the address.

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 2024-02-07 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: World Acceptance Corporation
State: SC

Complaint narrative:
Account not mine and doesnt belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XXXX I called TD Auto Finance via phone, on a recorded line and, requested that a payment of XXXX be applied to my loan as a Principal Only payment. A payment of XXXX  was applied to the Principal and {XXXX was applied to the Interest. I understand this is a common practice of big Financial Institutions to get more money by disregarding the instructions of their customers and, preying on the ignorance of the consumers. If you request the details and activity of my account, with the exception of my first initial payment, all of the other payments have been applied to principal only, this is not a mistake on their behalf, but a common practice of many fraudulent activities to charge more interest to each and every consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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:
The appearance of public records on my credit report, which I have no association with, is deeply concerning. I implore you to take immediate action to address and correct this situation.

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 2024-02-07 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: DISCOVER BANK
State: TX

Complaint narrative:
Subject : Immediate Cease and Desist of Unauthorized Credit Reporting Compliance with Texas FCRA Identity Theft Fraud Laws Dear DISCOVERBANK, I am writing to address a grave infringement concerning the unauthorized reporting of information to my credit report, as mandated by both federal and Texas state laws, including the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Texas Finance Code Sections 392.301 and 392.305, alongside the pertinent identity theft fraud statute, Texas Penal Code Section 32.51.

It has incontrovertibly come to my attention that DISCOVERBANK Account Number : XXXX has unlawfully engaged in reporting to my credit file without securing my explicit consent. As stipulated by federal law, particularly the FCRA, consumer consent is an absolute prerequisite for any such reporting endeavors, as outlined in Section 1681b ( a ) ( 2 ).

Furthermore, Texas state legislation, including Section 392.301 of the Texas Finance Code, explicitly underscores the imperative nature of consumer consent for credit reporting. Moreover, Section 392.305 of the Texas Finance Code delineates explicit directives for the equitable reporting of consumer credit information. Simultaneously, identity theft fraud statutes, like Texas Penal Code Section 32.51, underscore the gravity of unauthorized access and misuse of personal data. 

I affirm with utmost certainty that I have not provided authorization for DISCOVERBANK Account Number : XXXX to disclose any information to my credit file. This glaring absence of explicit consent constitutes a blatant violation of my rights, potentially inflicting harm on my creditworthiness and flagrantly flouting federal and state statutes. 

I demand, unequivocally, that DISCOVERBANK Account Number : XXXX promptly cease any further disclosure of information to my credit file without securing my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the specified 30-day timeframe will be construed as deliberate noncompliance, subject to penalties under applicable laws, including identity theft fraud statutes. 

It is imperative to recognize that obtaining consent is not a discretionary prerogative but a legal imperative under these pertinent sections of the FCRA, Texas state law, and identity theft fraud statutes. This is not open to negotiation ; it is a demand for adherence to both federal and state regulations, safeguarding consumers like myself from unauthorized and detrimental credit reporting practices. 

I anticipate your immediate attention to this matter and expect DISCOVERBANK Account XXXX : XXXX to expeditiously rectify these egregious violations, upholding my rights under federal and state statutes. 

In good faith,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Subject : Unauthorized Inquiry Removal Request Pursuant to Virginia State and Federal Law Dear Sir/Madam, I am writing to you regarding an unauthorized inquiry reported on my credit profile by Navy Federal Credit Union ( Finance ) dated XX/XX/year>. I hereby express my explicit disapproval and denial of consent for this inquiry to be reported on my credit profile. 

The unauthorized inquiry conducted by Navy Federal Credit Union lacks permissible purpose as it was undertaken without a court order or my written consent. This action is in violation of both Virginia state law and federal law. 

Under Virginia Code 8.2-201, only permissible inquiries, which include those made with the consumers consent or pursuant to a court order, are permitted. Additionally, the inclusion of this unauthorized inquiry on my credit profile is a violation of the Virginia Consumer Protection Act ( VCPA ), as outlined in Virginia Code 59.1-200 et seq., which prohibits deceptive acts or practices in connection with consumer transactions.

Moreover, this unauthorized inquiry violates the Fair Credit Reporting Act ( FCRA ) Section 604, which stipulates that consumer reporting agencies may only furnish consumer reports under certain permissible purposes.

I view the inclusion of this inquiry on my credit profile as nothing short of identity fraud and a severe breach of privacy. Furthermore, the reporting of this unauthorized inquiry is in direct violation of the FCRA Section 607, which mandates that consumer reporting agencies must maintain reasonable procedures to ensure the accuracy of the information contained in consumer reports. 

It is imperative that Navy Federal Credit Union takes immediate action to remove this unauthorized inquiry from my credit profile within the next four days. Failure to comply with this request will be interpreted as willful non-compliance, subject to penalties under both federal law and Virginia state law. 

I firmly assert that this inquiry is unverifiable due to the absence of permissible purpose on Navy Federal Credit Unions part. I expect prompt action on this matter and confirmation of the removal of the unauthorized inquiry from my credit profile. 

Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: PA

Complaint narrative:
Status of Accounts XXXX XXXX XXXX Status Derogatory XXXX XXXX XXXX XXXX Status Delinquent - Payment 60 days overdue XXXX XXXX XXXX Status Derogatory XXXX Status Good XXXX XXXX, XXXX Status Good XXXX XXXX XXXX XXXX Status Good XXXX XXXX XXXX Status Good XXXX  Status Good XXXX XXXX Status Good XXXX XXXX Status Good XXXX XXXX Status Good XXXX XXXX XXXXXXXX Status Good CLOSED ACCOUNTS XXXX XXXX - XXXX XXXX  XXXX Status Derogatory XXXX XXXX Status Derogatory XXXX XXXX XXXX Status Derogatory XXXX XXXX XXXX XXXX Status Derogatory XXXX XXXX XXXX Status Delinquent - Payment 90 days overdue XXXX XXXXXXXX XXXX XXXX Status Derogatory XXXX XXXX XXXX XXXX XXXX Derogatory XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Payment 120 days overdue XXXX Status Derogatory XXXX  Status Derogatory XXXX XXXX XXXX Status Good XXXX XXXX XXXX XXXXXXXX Status Good XXXX XXXX XXXX Good XXXX XXXX  Status Good XXXX XXXX XXXX / XXXX Status Good XXXX XXXXXXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX Good Reporting erroneous derogatory remarks and late marks REQUEST TO CORRECT THE RECORD under Authority 31cfrq 1.21j 5usc 552a ( d ) ( 2 ) ( a ) ( b ) TIMELY RESPONSE ; WILLFULL NON COMPLIANCE TO CORRECT SAID RECORD WILL RESULT IN LITIGATION. 

Bureaus After reviewing a copy of my personal credit report, I have come across a few inaccuracies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame.

Below are the errors I have identified : Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your XXXX report. 
XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXXXXXX ) XXXX XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXXXXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX + Bank ( XXXX ) XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX Collections If you've fallen behind on payments, your account could be sent to a collections agency. This can have a big impact on your credit score. 
XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$940.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$3700.00} Needs Attention Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) related to the permissible purpose of credit inquiries, specifically soft and hard pulls, as outlined in FCRA Section 604 and USC 1692 s- ( b ) 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: NJ

Complaint narrative:
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protecter consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion Of these inquiries listed IMMEDIATELY! 
Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. 
Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I had unauthorized inquires re-inserted on my credit report after they were removed several months ago. 

I also have an account that is not reporting accurately on my credit report. There is a billing error. I was never late on the XXXX account in XXXX XXXX XXXX is reporting accurately with all payments paid as agreed. While Transunion and XXXX are reporting inaccurately.

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 2024-02-07 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: Southwest Recovery Services, Inc.
State: NJ

Complaint narrative:
This account should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protecter consumer. NO CONSENT IS IDENTITY THEFT. 
As a consumer I am demanding the deletion Of these inquiries listed IMMEDIATELY! 
Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. 
Failed to use reasonable care in the course of business and failed to use even minimalprocedures to ensure that I was not harmed. 


SOUTHWEST RECOVERY

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: AZ

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-02-07 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: PA

Complaint narrative:
My name is XXXX XXXX and I have submitted multiple disputes asking for verification of the mentioned accounts. No one is able to provide me with any Validation/ Verification. Attached is the proof I was given from multiple reporting agencies. Please check it out. XXXX, Experian, XXXX continues to Violate the FCRA. Attached is proof. They are reporting Inaccurate, Incomplete, unverifiable information. They were never given permission to reporting any of this information. And they never conducted an investigation into my claims. This is not a 3rd party submitting this claim this is me 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 2024-02-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Inquires were not authorized or made by me. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation