vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-22 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:
I have reached out to the credit bureau XXXX, XXXX, Equifax On XX/XX/2024 And they have not removed the information, different addresses are still on my report from XXXX, Equifax, and XXXX charges that doesnt belong to me. I am not given these companies more time to figure this out. And they need 60 days to do so. This must be removed and deleted now. I did everything that was asked of me. I keep getting the run around. I came to you and expecting you to enforce the seriousness of this. Its holding up my credit and the ability to due something. I wrote in what was wrong and I provide everything in writing as well. If something is not done I will be suing them. Im connect the Attorney General next. They have exactly 5 more days to remove the negative items on my report and update my personal information. Only one address on all reports to be showing, no previous address whatsoever. This is final

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Conn's, Inc.
State: TX

Complaint narrative:
There are ( XXXX ) accounts reporting on my credit report naming Conn Appliances Co as the creditor. I have only had 1 account with Conn 's that was opened in 2020 which was settled. Per the agreement of the settlement, the account was to be deleted after the account was paid satisfactorily yet it is still reporting on my credit report. Furthermore, this account is in violation of the FCRA due to the fact that both accounts are reporting the same account number, the payment history is inconsistent, and there was never a 1099c form sent to me. Creditors are required to issue a 1099 for debt that is canceled or forgiven in the amount of {$600.00} or more. You violated the FCRA 15 USC 1681eb you are reporting information that's not 100 % accurate. The IRS directed me to file form 3949a for illegal tax violations upon your company. I'm quite sure your CEO OR VP don't want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation. At this time, I am only requesting the removal of the paid accounts from my credit report. My credit report which shows the disputed accounts are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: NY

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 # 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 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 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

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 # 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 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 explanation
Consumer complaint received 2024-04-22 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: CA

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 2024-04-22 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: Experian Information Solutions Inc.
State: CA

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 2024-04-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Upon my credit report I have a few collections that im very unaware of. Those collections is keeping me from finding housing for my daugther and I which we are basically about to be homeless. I've disputed the collections multiple times, within days of the dispute, it states all information will remain the same for these collections Ive never had. Ive explained multiple times to all credit bureaus that im a victim of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've also disputed plenty inquiries that has been reported inaccurately and the credit bureaus still decided to leave the inquiries on my report.

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 2024-04-22 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: U.S. BANCORP
State: ID

Complaint narrative:
My daughter notified me that she was alerted about someone using her name and my birthdate and her ssn to apply for a US Bank credit card. It was denied but she was notified. She contacted US bank to verify was told what info they had. 

She instructed me to file this fraud claim as my birthdate is out there being used to apply falsely for cc on a bank application.

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 2024-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
For the past 60days I have attempted to dispute multiple times a charge that appears on my credit card. I have submitted hard evidence that I do not owe the amount in question and the merchant has not showed any evidence that I owe the funds requested. They had asked for multiple items including hotel name, dates of stay, cancellation policy, type of room, etc I have supplied everything they had requested in their rebuttal and my dispute keeps greeting closed and I keep having to reopen it as no one is actually looking at the hard evidence of what I sent in. The merchant is clearly violating AMEX policy and federal and state laws with their false and misleading false advertising guarantees they promise ( low price guarantee )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-22 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: TX

Complaint narrative:
On XX/XX/year>, I submitted a dispute to Equifax via certified mail through the United States Postal Service. I have received electronic confirmation of delivery, indicating that my dispute was received on XX/XX/year>. In my dispute, I requested an investigation into and removal of inaccurately reported information on my credit report due to identity theft. This includes XXXX associated accounts and several inquiries, as detailed in the attached file section of this communication. Additionally, there are several addresses not reflecting on my credit report, which I suspect to be a result of identity theft. I have followed proper procedures in addressing this matter, having sent the dispute letter directly to Equifax and to all associated creditors. Furthermore, I have filed a police report and submitted an identity theft report with the Federal Trade Commission. Despite these actions, I have not received any updates or corrections to my credit report. I am requesting the immediate removal of these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: IL

Complaint narrative:
This was back in XXXX with Sallie Mae. My XXXX  were my cosigners on my loan and entered into XXXX, but I was not in XXXX. I had just graduated college, and got my first job using my degree. I went online to try and set up making payments to my loans from Sallie Mae, and saw that I could not log into my account even though I had received an email from Sallie Mae stating that I needed to do just that. 

Confused, I called them up, and learned that my loan was put into forbearance, without my consent, because my cosigner declared XXXX. Because my loan was in forbearance, I could not, and would not be allowed, to go online and set up automatic payments to my loan. 

I had to request my account information from Sallie Mae, settle on an amount I thought was reasonable to start paying back, and determine the split to each of my XXXX loans, all by myself without knowing what was the minimum payment or when any of the variable interest rates would change. I only did this near the end of my time with Sallie Mae, before I eventually refinanced the loans so I could actually see the payments and have a better understanding of what was going on. 

To the best of my knowledge, I have records of paying them {$2200.00} ins XXXX and then {$6000.00} ins XXXX. If I were able to access my account I would have definitely paid Sallie Mae more and on a consistent schedule. I have uploaded confirmation emails from Sallie Mae as well as transaction warnings from my bank of the payments I made to Sallie Mae that I did not get any receipts for. 

To be quite frank, it was not just disheartening having to call in every month, but humiliating too, which is why I missed payments. I would have to wait upwards of XXXX minutes to speak to a representative to have them tell me that my account was in forbearance because my XXXX  were in XXXX. Then having to say that I acknowledge that, and that I am still willing to pay. All the while I was going through some additional hellish abuse at my XXXX  that I would later need hospitalization at a mental health facility. There was no reasonable way that I could keep track of these payments through all of that. 

To prove the hospitalization and the XXXX XXXX, I attached the form that my sort term XXXX insurance provider, XXXX XXXX, requested be filled out by my XXXX  at the hospital. If you require more proof of the situation, or a description of the household at the time, please let me know and I can elaborate. I was dealing with extreme sleep deprivation, along with an abusive sibling and father.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: AL

Complaint narrative:
XXXX XXXX sold my loan to Freedom Mortgage last year which I dont agree with. They increased my interest rate immediately! I did not form a contract with Freedom Mortgage. They do not apply my payments properly. I pay towards my principal and they break the payment up and then apply it. I recently received an email for payment plus a late fee for XXXX. On XX/XX/XXXX, I paid {$1000.00} and on XX/XX/XXXX, I paid {$600.00}. My payment is {$540.00}.

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 2024-04-22 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: TX

Complaint narrative:
I am formally disputing the presence of an inaccurate account on my credit report. Despite my repeated attempts to rectify this issue directly with the creditor, the erroneous account remains on my report, negatively impacting my creditworthiness and financial standing.

I have diligently followed the proper channels to dispute this account with the creditor, providing documentation and evidence to support my claim. Despite these efforts, the account remains unresolved and continues to adversely impact my credit profile.

I request a thorough investigation into this matter and the prompt removal of the inaccurate account from my credit report. Its presence tarnishes my creditworthiness and undermines my ability to access fair credit terms and financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally file a complaint against EXPERIAN for non-compliance with the Fair Credit Reporting Act ( FCRA ) and for permitting fraudulent accounts to persist on my credit report without rectification. Attached to this communication, please find copies of the letters I previously submitted to EXPERIAN, along with the assigned identity theft case number XXXX. It has come to my attention that despite my dispute letter dated XX/XX/2023, EXPERIAN has failed to address the fraudulent accounts that continue to be inaccurately reflected on my credit report. I had anticipated that EXPERIAN, as a credit reporting agency, would safeguard my personal information and ensure the provision of precise credit reports. I am deeply concerned about the potential damage to my creditworthiness and financial standing resulting from the presence of these fraudulent entries. I urge EXPERIAN to promptly investigate and rectify the inaccuracies on my credit report in accordance with the provisions outlined in the Fair Credit Reporting Act. Your immediate attention to this matter is appreciated, and I expect EXPERIAN to adhere to the FCRA guidelines in ensuring the accuracy and integrity of the information contained in my credit report.

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 2024-04-22 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This account was charged off on the following date [ XX/XX/22 ) Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : brigit/coastal communi

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 2024-04-22 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: IL

Complaint narrative:
I am writing to formally request that accounts refrain from sharing my personal information with third-party agencies and organizations, pursuant to the rights granted to consumers under the Gramm-Leach-Bliley Act ( 15 USC 6801-6805 ). I have attach a previous letter that Ive sent the creditor in writing. Any further refusal of my request will result in legal action. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-22 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States 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