vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-08 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: NC

Complaint narrative:
Upon reviewing my credit report, I was taken aback by the numerous mistakes in reporting. The inaccuracies I discovered were truly surprising. 


I don't know why these companies are putting this on my credit report. I have never been delinquent on my payments with any of these people. When I called them they said I needed to just dispute it with you. 

Please investigate and take a look at this accounts : XXXX XXXX and 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 2024-04-08 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I contacted Capital One, for the second time, in XXXX regarding a credit card that was opened in my name without my consent. Capital One has no paperwork with my signature on it and refuses to acknowledge that fact. They will not confirm or deny that I signed anything. I requested an investigation be initiated and demanded that they not close the investigation without contacting me. The investigator attempted to call me once. I subsequently returned the call XXXX  times the same day and left a message again demanding that they not close the investigation until the contact me. They neglected to contact me and erroneously closed the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: OH

Complaint narrative:
I am writing to follow up the persistent issue of fraudulent items on my credit file, marking my several attempts to rectify this matter. It has come to my attention that despite my consistent attempts to resolve this issue, the fraudulent items persist unchanged on my credit file. These inaccuracies not only damage my creditworthiness but also pose a serious threat to my financial stability and reputation. 

Despite repeated efforts to dispute and remove these fraudulent items, they continue to remain on my credit report, causing significant distress and detriment to my financial well-being. 

I implore you to conduct a thorough investigation into the fraudulent items on my credit file and take immediate action to rectify this matter. It is imperative that these inaccuracies are promptly removed to restore the integrity of my credit history and prevent further harm to my financial standing. With this, I am asking for your assistance to remove these fraud items in my credit file : 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 Balance : {$11000.00} XXXX XXXX XXXX Balance : {$24000.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2700.00} XXXX XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Possible Financial Inc
State: TX

Complaint narrative:
After reviewing my credit report I discovered that there is an account on my report that is hindering my credit worthiness without my permission. This is in violation of 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 an account without my written instructions

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have XXXX new hard inquiries on my credit report this year and I havent applied for anything this year. I need them removed from my report because they are fraudulent and theyre hurting my scores. 
The XXXX fraudulent inquiries and the dates they were added to my report are as follows : XXXX ( Bank ) XXXX XXXX XXXX XXXX ( Bank ) XX/XX/2024 XXXX XXXX  ( Hotel and travel ) XX/XX/2024 XXXX XXXX XXXX ( Finance ) XX/XX/2024 XXXX XXXX XXXX ( Bank ) XX/XX/2024 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 non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
I am writing to request your intervention regarding a credit report entry by National Credit Systems that is unjustly affecting my financial well-being. 

Account Details : Original Creditor : XXXX XXXX Current Creditor : National Credit Systems Balance : {$6400.00} Account Number : XXXX XXXX XXXX wrote off the debt and sold it to National Credit Systems. Despite this, the entry on my credit report is preventing me from securing employment, loans, and even housing, as it severely impacts my creditworthiness.

This situation is not a mere error but a consequence of unfair financial reporting practices. The persistence of this negative entry, despite my attempts to address it, is causing significant distress and hindering my ability to move forward in life. I urge the CFPB to examine the reporting practices
of National Credit Systems and to facilitate the removal of this entry from my credit report to preserve my livelihood.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My husband gave me a {$100.00} gift card as a XXXX gift ( Amex ), and I was never able to use, tried different stores online and NONE of them worked. And yes, I already unlocked it to work online. And everytime I try they remove XXXX cents of the card. They literally stole our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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:
I recently revised my credit report and noticed an account that wasnt reporting accurately. I have XXXX late payments on that was paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has never been late on payments. Ive attached the payment history from my credit report. For experian they report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XX/XX/XXXX, as late. This is inaccurate. For XXXX they report XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as late. This is inaccurate. For XXXX they report XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as late this is inaccurate. 
Im now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information cant be verified I demand these payments be updated to paid on time immediately. Thank you for understanding and prompt action.

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 2024-04-08 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: TX

Complaint narrative:
I have been trying to fix the inaccuracies on my credit report for years with Experian, but now that I am trying to buy a home it is very important that these issues are fixed asap. I have sent numerous of letter to Experian about the inaccuracies on my report, every single time, I get a generic letter in the mail saying that the accounts were " verified '' without showing me proof of how exactly did they verify with these companies, and then proceed to fix none of the inaccuracies. The last round of letters I sent on XXXX XXXX, Experian sent back a letter refusing to investigate, saying that I did not send my own letters and that I used a third party credit repair company, which I did not. They are continuously violating FCRA 15 U.S. Code 5 1681. 

The following accounts were disputed due to inaccuracies, also they have not been properly verified and no proof showing that they belong to 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Absolute Resolutions Corp.
State: NE

Complaint narrative:
On XXXX at approximately XXXX XXXX, I called XXXX and spoke to the representative. I requested information to be mailed to me so I could verify and he stated " He will not mail it! '' I asked for a supervisor and he then stated the supervisor will not mail anything either. They are very unprofessional! I was disappointed and hung up. I tried to get info on the collection account. I prefer they remove them immediately from my credit reports and cease all contact with me according to ( 15 USC 1692c ( c ). 

XXXX XXXXCollection

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
I have been having problems with finances going back to XXXX  starting with bank accounts with unauthorized transactions connected to bank accounts that I didn't know existed and fake receipts... 
I am finding out problems with my mortgage and with the records at the city of XXXX XXXX department or file. I have been in touch with the mortgage company and also with the city of XXXX. The records department sent me a letter questioning some recent request for changes in the mortgage I contacted them and told them the changes were done without my authority without my permission without my knowledge I did not know of these transactions and changes. 
There was a sheriff sale I posted for my house and it was postponed XXXX times my mail has been forwarded to the wrong address going to XXXX in XXXX XXXX to an address that I never live there. The address used for this is also connected to a insurance policy and they bank account but the information that XXXX XXXX has and with the mortgage company has many issues. 
I don't have the money to be spending on lawyers to investigate a crime and if this is the case and the records in the city of XXXX computer system are tampered with I think I'm putting myself at risk when I bring this to their attention. 
I went and spoke with a lawyer in person this past Saturday and showed him all the documents and there is problems here for him to take action I have to pay him money to get involved with this but that's not the way the law should work if in fact this is a crime I've reported this why is it being ignored I've had nothing but problems and falsified information everywhere and no one has done anything about it and now when I'm bringing this to the XXXX department 's and a lawyer is showing the problems and changes to the records and asking them where the money went .... 
At what point do I cross the threshold of having law enforcement assist with this? 
I have multiple bank accounts with fake transactions fake receipts falsified mortgage records falsified tax records the list goes on and on at what point do I cross the threshold of justice for all... 
It is not a good feeling to know that people can break the law financially ruin me and no one investigates small financial crime... 
Is this the normal process? The citizen contacts the records office where records have been changed somehow and I have to verify this knowing that it's a crime to change the stuff and steal the money that's what the process is? Memes and motivation is money and access to records .... 
I'll wait to hear back from you it's just the rest of my life that's on the line but I have high hopes and the future looks brighter but it will depend on you... 
Thank you XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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:
recently reviewed my consumer report and noticed inaccurate and incorrect information reporting

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 2024-04-08 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: NY

Complaint narrative:
there are unauthorized inquires reporting on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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: UT

Complaint narrative:
I checked my credit report and noticed inconsistency and errors on my report. XXXXXXXX XXXX XXXX XXXX. Please investigate. This is unlawful to have incorrect info on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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: UT

Complaint narrative:
I checked my credit report and noticed inconsistency and errors on my report. XXXX XXXX XXXX XXXX. Please investigate. This is unlawful to have incorrect info 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 2024-04-08 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXX DOB : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX - XXXX XX/XX/XXXX Dear TransUnion Just to start things off, XXXX days should be enough time for your company to send me the information that XXXX requesting regarding the last investigation you did on the following account listed below. 

XXXXXXXX XXXX XXXX  | XX/XX/XXXX : Account number : N/A, Inaccurate. The bureau code information needs to be fixed quickly. 

XXXX : Account number : XXXX, Inaccurate. The bureau code information needs to be fixed quickly. 

XXXX | XX/XX/XXXX : Account number : N/A, Inaccurate. The bureau code information needs to be fixed quickly. 

XXXX  XXXX : Account number : XXXX, Inaccurate. The bureau code information needs to be fixed quickly. 

XXXX XXXXXXXX : Account number : XXXX, Inaccurate. The bureau code information needs to be fixed quickly. 

XXXX XXXX  Account number : XXXX, Inaccurate. The bureau code information needs to be fixed quickly. 

You verified this account pretty fast. I have a simple request. What procedures does your company have in place to investigate accounts? Can you send me a copy of those procedures? Second, what data are you basing your verification off? Please send that to me also. I want to make sure you are following the law. 

XXXX Days should be enough. 

Tracking all letters. 

Waiting.

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 2024-04-08 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:
This is a formal complaint in regards to violations of my FEDERALLY PROTECTED rights as a consumer under the Family Educational Rights and Privacy Act ( FERPA ) and the Fair Credit Reporting Act ( FCRA ). 1. Violation of my privacy rights under FERPA : The Department of Education/XXXX  has unlawfully provided " transaction '' history to third-party companies, which directly contradicts the provisions outlined in FERPA.

Specifically, FERPA prohibits educational institutions from disclosing personally identifiable information, including transaction history, to third parties without the student 's explicit consent. By sharing my transaction history without my consent, the Department of EducationXXXX has infringed upon my privacy rights. 

Furthermore, the unauthorized reporting of transaction history, particularly regarding late payments, is in direct violation of FERPA regulations. Under FERPA, educational records, including payment history, are protected from disclosure to unauthorized parties. The Department of Education/XXXX XXXX actions in reporting late payments without my consent constitute a flagrant disregard for FERPA regulations. 

Additionally, I am deeply concerned about the unauthorized collection of my Social Security Number. This action is a clear violation of both FERPA and the Privacy Act of 1974 ( 5 USC 522a ), which prohibit the collection of SSNs without proper authorization. The request for my SSN without my explicit consent demonstrates a blatant disregard for federal privacy laws. 

Moreover, as a federally protected consumer under the FCRA, I hereby revoke any and all authorization granted to the notated Credit Reporting Agency, whether written, unwritten, verbal, or non-verbal, in accordance with 15 USC 6802. In light of these egregious violations, I am requesting that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate enforcement actions against the XXXXXXXX XXXX XXXXXXXX  Additionally, I urge the Bureau to ensure that my rights as a consumer are protected and that corrective measures are implemented to prevent similar violations in the future. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and your assistance in rectifying these violations of my rights. 

DO NOT CLOSE THIS COMPLAINT FOR FEEDBACK RESPONSE, ONLY FOR ACTUAL REMEDY BEING ENFORCED.

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 2024-04-08 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: NC

Complaint narrative:
Upon reviewing my credit report, I was taken aback by the numerous mistakes in reporting. The inaccuracies I discovered were truly surprising. 


I don't know why these companies are putting this on my credit report. I have never been delinquent on my payments with any of these people. When I called them they said I needed to just dispute it with you. 

Please investigate and take a look at this accounts : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-04-08 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Upon reviewing my credit report, I was taken aback by the numerous mistakes in reporting. The inaccuracies I discovered were truly surprising. 


I don't know why these companies are putting this on my credit report. I have never been delinquent on my payments with any of these people. When I called them they said I needed to just dispute it with you. 

Please investigate and take a look at this accounts : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation