vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 

Please delete this items as soon as possible.

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 2024-09-21 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: MS

Complaint narrative:
The student loan is on my credit report and it is not suppose to be

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 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: MS

Complaint narrative:
The student loan is on my credit report and it is not suppose to be

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by Transunion,. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On XX/XX/year>, I submitted a dispute to Transunion, regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process. 
Details of the Complaint : 1. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ). 
2. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests. 
3. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.

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 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: MS

Complaint narrative:
The student loan is on my credit report and it is not suppose to be

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I wrote a validation letter to midland credit management. To provide me with the money they mention I owe, copies an proof of all paper that I had agree to pay a verification or copy of any judgement, the identity name and address of original creditors. I haven't recieve a letter or notice back from this company which is a violation of the fair credit reporting act, defamation of character and violation of the fair debt collection practices act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Illinois XXXX XX/XX/year> XXXX XXXX XXXX XXXX, XXXX, TX XXXX Dear Credit Bureau After carefully reviewing my credit report, I notice that the following accounts listed below are inaccurate. The open date, the date last active, the date of last payment are showing inconsistently between all three credit bureaus. I was reading over the Fair Credit Reporting Act Section 1681e ( b ). You are supposed to assure maximum possible accuracy. Can you investigate the accounts listed below? 


XXXX  XXXX After reviewing my credit report this account is reporting the incorrect open date, date of last payment, and date last active, can you reinvestigate this account according to section1681i of the fair credit reporting act. After your reinvestigation if you found this account tone inaccurate or incomplete or can not be verified can you delete this account according to section 1681i ( 5 ) 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 2024-09-21 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: CA

Complaint narrative:
Please remove inquiry from XXXX XXXX XX/XX/year> from my Experian credit report. 
This was not authorized. This was after a data breach alert happened. 
This inquiry was made out of the blue.

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 2024-09-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IL

Complaint narrative:
I consolidated my student loans in XXXX of XXXX. Due to policies at the time, all loans included in the consolidation would receive the qualifying payment counts of whichever loan has the highest count. This would make me eligible for full forgiveness. I would have applied for consolidation sooner except I was repeatedly told by both Mohela and FSA that my counts would reset to XXXX. This was completely inaccurate. In XX/XX/XXXX, two of the consolidated loans were processed for forgiveness. This left me with two hanging loans. After being given the run around repeatedly. I submitted another PSLF form in XX/XX/XXXX and it was processed XX/XX/XXXX. My counts were then accurately updated to 131 qualifying payments on the remaining loans. Despite this, I am still waiting processing of my forgiveness. In the meantime both FSA and Mohela have refused to put my account on administrative forbearance as it should be. Instead I had to apply for a general forbearance to stop the over {$1500.00} a month payments! I have reached out to FSA multiple times and have been given conflicting information. Once being told nothing is being done on my account and I would have to submit a new PSLF form to be considered for forgiveness. Later the same day I called back and was told submitting a new form would delay forgiveness and I should NOT do this. They tell me that forgiveness can take 90-120 days after counts update to >120. It has now been nearly 7 months! I am at 131 qualifying payments. 
This has been too long. If I was behind on payments there would be no delay in them contacting me for payment. Yet after over 6 months no one can even tell me the correct action, if any, I need to finally complete this process. This is unacceptable but I refuse to stop fighting for what I have rightfully earned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Chrysler Capital has tried charged the wrong account for my monthly car payment, charging an inactive savings account instead of my checking account resulting in returned 'online check ' fees ' from them and my bank as well as an excessive late fee. I still an unable to make a payment because of this error. Until XX/XX/year>, I have made over XXXX  years of timely payments with no issues, my bank account information was saved on their online portal. When I XXXX tried to make my XXXX payment on XX/XX/XXXX, they changed their portal resulting in my bank information being deleted and I did not have access to my bank information at the time to enter a payment. I tried to access the website on XX/XX/XXXX but it kept timing out. On XX/XX/XXXX I was able access their website and payment portal to submit my banking information, the same bank account number for my previous XXXX  years of payments and the end of the week days I got a message saying my payment did not go through. I contacted Chrysler Capital on XX/XX/XXXX and they told me I selected saving instead of checking, which was NOT true resulting in them trying to take a payment from an inactive savings account. I resubmitted the same information this time taking, a screen shot to prove I selected checking and verified with a customer service representative that checking was selected and again the payment went to the inactive savings account not my checking account resulting in more returned check fees from both Chrysler Capital and my bank as well as an excessive late fee from Chrysler Capital. 

I have no confidence in them actually using the proper bank account when I try to to make my payment again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
Improper use of my credit report. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late foranypurpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX, HAS VIOLATED MY RIGHTS.

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.

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 2024-09-21 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 XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX, HAS VIOLATED MY RIGHTS.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
We had assigned a charge card for an employee, XXXX XXXX, in XXXX. On XXXX, When the employee left the company, we submitted in writing to our business consultant to cancel card. Our business consultant was XXXX XXXX XXXX XXXX were documented to request the cancelation effective immediately on XXXX. 

On XXXX our bookkeeper documented that there was no reversal and that the card fee was still on the account. We sent an additional email to XXXX at AMEX to refund any credits and cancel the card. 

On XXXX our bookkeeper said AMEX still charging renewal fee for inactive employees card. Contacted AMEX and asked if there was any activity on the card and they confirmed there was none. 

I explained how we had submitted several requests in the past and that card should be canceled. First gentleman XXXX ( chat ) said he would cancel. I approved and asked for a manager to discuss credits for card that was requested cancelation in XXXX. 

Minutes later, XXXX came on line and offered cancelation. I told her XXXX said he was canceling and she said card was still active. I asked again for a XXXX time now, to cancel the card. She responded " card is now canceled. '' I then asked, with our history of asking for a cancelation, and showing zero activity on the card, can we get credit for the fees charged since we have in writing our request to cancel? 

She responded, fees are " non-negotiable '' and will not be credited. I then asked how this is possible since we have documentation requesting that the card be canceled in XXXX? 

She responded with fees are non-negotiable again. 

This is unacceptable and charging fees on a card that has been requested is not fair to any individual, company, or account. As a fiduciary responsibility, AMEX should respond to a request and in a timely fashion to avoid any undue financial hardship from any clients submitting requests. 

In this case, AMEX has benefitted financially by responsibly completing their duties and it violates their fiduciary responsibility as a financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
This XXXX XXXX  company apparently re runs your credit after giving a limit. XXXX forbid your score changes. They will change your limit an XXXX XXXX on utilization XXXX XXXX XXXX  your credit even more by changing your limit. I had 30 % usage on cards them changing the limit without informing to PRIOR TO RERUNNING my credit, and WITHOUT any warning which causes me to move to XXXX usage percentage. I WILL be contacting a lawyer XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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: NY

Complaint narrative:
I just recently looked at my Experian credit report XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. 

XXXX. [ XXXX XXXX XXXX XXXX ] This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 2. [ XXXX XXXX XXXX XXXX ] This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 3. [ XXXX XXXX XXXX XXXX ] This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 4. [ XXXX XXXX XXXX ] This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 5. [ XXXX XXXX. XXXX ] This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 6. [ XXXX XXXX XXXX fin XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. [ XXXX XXXX XXXX ] This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 8. [ XXXX XXXX XXXX ] This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 9. [ XXXX XXXX XXXX fin. XXXX ] This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b

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 2024-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Cedars Business Services, LLC
State: SC

Complaint narrative:
I am writing to formally lodge a complaint against XXXX XXXX, a collection agency, for violations of consumer protection laws as outlined below. This complaint is submitted to the Consumer Financial Protection Bureau ( CFPB ) for your review and appropriate action. 

1. Dispute of Debt Ownership : I dispute owing any and all debts to XXXX XXXX. I request that XXXX XXXX cease all communication with me through email, text messages, and phone calls as of the date of this letter. Please be informed that I am revoking any rights for XXXX, XXXX to contact me using these means. 

2. Debt Validation and Purchase Agreement : I request that XXXX XXXX provide validation of t the alleged debt in accordance with 12 CFR 1006.34 ( b ) ( 5 ), Additionally, I request a copy of the purchase agreement between XXXX XXXX and the original creditor to verify the legitimacy of their claim. Furthermore, I require proof that XXXX XXXX is duly licensed and bonded to operate as a collection agency. 

3. Violation of Consumer Rights : XXXX XXXX has failed to provide validation information as required by law but has proceeded to report the collection account on my consumer report. This action has deprived me of the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 

4. Use of False, Misleading, and Deceptive Means : XXXX XXXX has engaged in false, misleading, misrepresentation, and deceptive practices in their collection attempts, which is a clear violation of consumer rights. 

5. Failure to Provide Required Disclosures : XXXX XXXX has furnished accounts to consumer reporting agencies without providing the necessary disclosures as mandated by law, thus violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S I urge the Consumer Financial Protection Bureau to investigate these violations thoroughly and take appropriate enforcement actions against XXXX XXXX. I also request that any negative reporting related to this disputed debt be removed from my consumer report until a valid verification is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am writing to seek your assistance regarding an issue I have encountered with my Amazon Store Credit Card issued by Synchrony Bank. My goal is to formally request the closure of this account and the removal of late payment reports from my credit report that I believe is inaccurate. 

Recently, I discovered an unexpected late fee and interest charge on my credit card statement, which I do not recognize. Despite my disagreement with these charges, I paid the full balance upon discovering the issue. However, I no longer use this credit card and would like to close the account to avoid further complications. 

The late payment has negatively impacted my credit score, and I believe it does not accurately reflect my payment history. I would appreciate your guidance on how to formally address this matter with Synchrony Bank, and if necessary, to dispute the late payment reporting with the credit bureaus. 

Thank you for your assistance in resolving this matter. I look forward to your guidance on the next steps. 

Sincerely, 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 2024-09-22 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: TX

Complaint narrative:
This account was charged off on the following date : XX/XX/year> Since them the account has repeatedly been updated as charged off every month, this is an update in the payment history. A charged off account shouldnt include an active payment history. This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after I asked you to di it Twice and your neglect has violated my rights. Im demanding a deletion of the following account : Account name : XXXX XXXX XXXX account number.XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 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: TX

Complaint narrative:
This account was charged off on the following date : XX/XX/year> Since them the account has repeatedly been updated as charged off every month, this is an update in the payment history. A charged off account shouldnt include an active payment history. This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after I asked you to di it Twice and your neglect has violated my rights. Im demanding a deletion of the following account : Account name : XXXX XXXX XXXX account number.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