vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-27 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: SC

Complaint narrative:
Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$700.00} Account number XXXX XXXX  XXXX {$1800.00} Account number XXXX XXXX  XXXX {$1200.00} Account number XXXX XXXX XXXX {$200.00} Account number XXXX Names : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-10-27 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:
I am writing to formally dispute an inaccurate late payment entry on my credit report, as allowed under the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ). I believe this information is not correct, and I am requesting that you investigate this matter promptly.

The item in question is a late payment reported by XXXX for the account number XXXX. The late payment is reported as being dated XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, and I firmly believe this is inaccurate for the following reasons : _ There may be a clerical error.

_Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ), creditors are required to provide clear and accurate information regarding the terms of the credit. If the late payment reported does not align with the terms initially agreed upon, it warrants removal.

I would like to point out that these late payments are reported only to two credit bureaus and do not appear on my XXXX report. According to the law, if the information is inaccurate or incomplete, it must be removed or updated accordingly.

I also wish to highlight that under 15 U.S. Code 1681s-2, furnishers of information are obligated to provide accurate information to credit reporting agencies. Given the circumstances outlined, I respectfully request that you take the necessary steps to remove this late payment from my credit report as it does not reflect the true nature of my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: WA

Complaint narrative:
Debts was not of my own making and was used with out my land fraudulent Identity

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My HSN account is with Synchrony Bank - contact me and I will provide more information about this account. 

My statement now has a new line item - {$1.00} for paper statement fee. 

I contacted Synchrony twice to inquire about the fee and to request the fee be waived. I absolutely do not want to receive electronic notifications nor do I want to set up an electronic auto pay due to the high susceptibility for hacking and fraud. They indicated this was implemented for all statements after XXXX. 

I have had an account with HSN for several years and consistently pay the amount due on time every month. I think it should be my choice to receive a paper statement and should not be charged a fee for it. 

Can you help? It does not seem right to charge a senior citizen - or anyone- just to receive a paper statement. 


Thank you

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 2024-10-27 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: NY

Complaint narrative:
I am writing to formally file a complaint against XXXX XXXX XXXX and XXXX  XXXX XXXX regarding unauthorized hard -off and a collection account by [ Collection Agency Name ] that I believeinquiries and incorrect charge-off account on my credit report. On XX/XX/year>, and XX/XX/year>, hard inquiries were reported on my credit file without my knowledge or authorization. These unauthorized inquiries have adversely impacted my credit score and subsequently led to the denial of future loan applications.

Additionally, my credit report reflects a few charge off to be inaccurate. I did not default on the account that was charged off, nor have I received any proper notification regarding the collection account. These errors are further harming my credit standing and do not accurately represent my financial history or payment behavior. 

Upon discovering these issues, I promptly contacted Transunion, XXXX and XXXX credit bureau to request the removal of the unauthorized inquiries, incorrect charge-off, and the inaccurate collection account. Despite my efforts and clear communication that these were not authorized or accurate, all parties refused to take corrective action. I believe these actions are in violation of the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy of reported information and requires that inquiries be authorized by the consumer. 

The unauthorized inquiries, incorrect charge-off, and inaccurate collection account have caused significant harm to my financial standing. Their removal is essential to restoring my creditworthiness. I respectfully request the Consumer Financial Protection Bureaus intervention to investigate this matter and enforce the immediate removal of these items from 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 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally file a complaint against XXXX XXXX XXXX and XXXX  XXXX XXXX regarding unauthorized hard -off and a collection account by [ Collection Agency Name ] that I believeinquiries and incorrect charge-off account on my credit report. On XX/XX/year>, and XX/XX/year>, hard inquiries were reported on my credit file without my knowledge or authorization. These unauthorized inquiries have adversely impacted my credit score and subsequently led to the denial of future loan applications.

Additionally, my credit report reflects a few charge off to be inaccurate. I did not default on the account that was charged off, nor have I received any proper notification regarding the collection account. These errors are further harming my credit standing and do not accurately represent my financial history or payment behavior. 

Upon discovering these issues, I promptly contacted XXXX, XXXX and Experian credit bureau to request the removal of the unauthorized inquiries, incorrect charge-off, and the inaccurate collection account. Despite my efforts and clear communication that these were not authorized or accurate, all parties refused to take corrective action. I believe these actions are in violation of the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy of reported information and requires that inquiries be authorized by the consumer. 

The unauthorized inquiries, incorrect charge-off, and inaccurate collection account have caused significant harm to my financial standing. Their removal is essential to restoring my creditworthiness. I respectfully request the Consumer Financial Protection Bureaus intervention to investigate this matter and enforce the immediate removal of these items from 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 2024-10-27 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: TN

Complaint narrative:
these credite burues are reporting inaccuarate information which is causing me great distress, making it difficult for me to secure an auto loan. It is incredibly frustrating to see multiple questionable accounts listed, and this situation is unacceptable. 

I understand my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, 15 U.S. Code 1681e ( b ) mandates that consumer reporting agencies take reasonable steps to ensure maximum possible accuracy in credit reporting. They have not done this. The presence of incorrect information on my report indicates a serious failure to meet these standards. : XXXX - XXXX : ** This account shows an inaccurate late payment status. I have never been late on this account ; it was paid in full and on time. This negative reporting should not impact my credit score. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX This is a inaccurate late payment. I was never late on this account. This account was paid as agreed on time and in full- this is inaccurate i can not be paying on time for 30 days and then jump and be 90 days late. this shuld nt be reporting negative I have attached evidence supporting my claim.

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 2024-10-27 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: TN

Complaint narrative:
these credite burues are reporting inaccuarate information which is causing me great distress, making it difficult for me to secure an auto loan. It is incredibly frustrating to see multiple questionable accounts listed, and this situation is unacceptable. 

I understand my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, 15 U.S. Code 1681e ( b ) mandates that consumer reporting agencies take reasonable steps to ensure maximum possible accuracy in credit reporting. They have not done this. The presence of incorrect information on my report indicates a serious failure to meet these standards. : XXXX - XXXX : ** This account shows an inaccurate late payment status. I have never been late on this account ; it was paid in full and on time. This negative reporting should not impact my credit score. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX This is a inaccurate late payment. I was never late on this account. This account was paid as agreed on time and in full- this is inaccurate i can not be paying on time for 30 days and then jump and be 90 days late. this shuld nt be reporting negative I have attached evidence supporting my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 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: DE

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. 

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 Equifax 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 Equifax 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 Equifax 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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX 15 u.s.c 1681 section 602 a the right to privacy act united states 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 instruction 15 u.s.c 1681c. ( a ) ( 5 ) section states : no consumer reporting agency my make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am not liable for this debt with XXXXXXXX XXXX  This account was purchased by this person, as person is defined by the Fair Credit Reporting Act. I do not have a contract with XXXX XXXX and it's subsidiary XXXX XXXX XXXX XXXX. I was not provided the original contract, I signed in agreement as I requested, as this account was purchased. The account contains multiple errors in reporting pursuant to 15 USC 1681 ( e ) ( b ). In accordance with the Fair Credit Reporting act. The account listed below has violated my federally protected consumer right to privacy and confidentiality pursuant to 15 USC 1681. 
XXXX XXXX XXXX : # XXXX has violated my consumer rights. 

15 U.S.C. 1681 section 602 ( a ). States that I have a federally protected right to privacy.

15 U.S.C. 1681 section 604 ( a ) ( 2 ). States a consumer reporting agency can not furnish information contained in my consumer report without a written statement of permissable purpose.

15 U.S.C. 1681c ( a ) ( 4 ) ( 5 ). States, except as authorized under subsection ( b ), noconsumer reporting agencymay make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( 5 ) Any other adverse item of information, other thanrecords 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.

12 CFR 1006.34 1006.34 Notice for validation of debts.

( c ) Validation information.Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.

( 1 ) Debt collector communication disclosure.The statement required by 1006.18 ( e ).

Official interpretation of 34 ( c ) ( 1 ) Debt collector communication disclosure.

( 2 ) Information about the debt.Except as provided in paragraph ( c ) ( 5 ) of this section : ( i ) The debt collectors name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information.

This account has been extremely damaging to my livelihood, and general mode of living. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not able to receive the necessary financing because of the hindrance of this account. This is directly effecting the livelihood of my family, and is in direct written violation 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 2024-10-27 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
NONE OF THE CREDIT INQUIRIES ON MY REPORT ARE AUTHORIZED WITH THE EXCEPTION OF XXXX FREE CREDIT MONITORING AND XXXX CREDIT BUILDER. I HAVE AN EX PARTNER WHO HAD ACCESS TO ALL OF MY SENSITIVE PERSONAL INFORMATION AND DOCUMENTS AND IS USING THIS INFORMATION TO POSE AS ME AND TRY TO DEGRADE MY CREDIT ANY WAY THEY CAN AS A PATTERN OF ABUSE THAT WENT ON WITH THE RELATIONSHIP AND IT HAS NOT ENDED WITH ME DISTANCING MYSELF FROM THIS PERSON. THEY ARE DOING IT TO KEEP ME FROM BECOMING INDEPENDENT AND HAVING GOOD CREDIT AND THIS IS NOT THEE ONLY THING THEY ARE DOING TO TRY TO KEEP MY LIFE UNDER THEIR CONTROL.

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 2024-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX  XXXX XXXX XXXX XXXX I am reporting a fraudulent inquiries found 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 non-monetary relief
Consumer complaint received 2024-10-27 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: IN

Complaint narrative:
Called and gave them the info they informed me to file report. Im a victim of identity theft these items are not my transactions conducted by me as a consumer.

Company response to consumer: Closed with explanation