vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am XXXX XXXX. XXXX XXXX, Experian, and XXXX is reporting inaccurate personal information on my credit report. There are names and addresses that no longer relate to me. My only name and address is XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. All other names and addresses must be deleted from my credit report and file because it causes confusion to persons viewing my credit report for the purposes of obtaining new credit. I have attached my Driver 's License as proof which shows my correct name and address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: CA

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 XXXXXXXX 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 2024-12-14 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: LA

Complaint narrative:
Unauthorized Access of my credit, unauthorized inquiries not from myself

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 2024-12-14 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 2024-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Since XX/XX/year>, I have had multiple promotional balances on my CareCredit account, each with deferred interest terms and varying expiration dates. My goal has always been to pay off these balances in the order of their expiration dates to avoid deferred interest charges. To achieve this, I set up automatic payments of {$140.00} per month and later increased my payments significantly, with a payment of {$770.00} in XX/XX/year> and {$570.00} in XX/XX/year>. Despite this, CareCredit allocated my payments proportionally across all promotional balances, rather than prioritizing the earliest expiring balances. 

For example : - XX/XX/year> XXXX of {$770.00} : Under CareCredits allocation method, this payment was split across multiple balances, leaving {$410.00} unpaid on the balance expiring XX/XX/year>. Had this payment been applied in full to the earliest expiring balance, it could have been completely paid off, ensuring I avoided deferred interest charges on that balance. 

- XX/XX/year> Payment of {$570.00} : This payment was also divided proportionally. By this point, the XX/XX/year> balance was finally cleared, but only after multiple months of missed opportunities to fully pay it off earlier. 
CareCredits proportional allocation method has left me at risk of deferred interest charges, even though I made sufficient payments to cover the earliest expiring balances. Furthermore, their statements lack transparency, as they do not clearly show how payments are applied to individual balances, making it difficult for me to verify whether payments are being applied effectively. 

When I contacted CareCredit to request that my payments be allocated to the earliest expiring balances, I was told this was not possible unless I manually requested reallocation after each payment had posted. This process is burdensome and impractical, as payments take 3-5 business days to post, and reallocating payments requires contacting customer service each month. As a busy individual relying on automatic payments, I believe this process is intentionally designed to make avoiding deferred interest charges unnecessarily difficult. 

I have attached statements from XX/XX/year> through XX/XX/year> to provide evidence of my payment history, how payments were allocated, and the lack of transparency in CareCredits monthly statements. These statements highlight the issues Ive described and support my request for a resolution.

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 2024-12-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
I have been trying to get my home repaired for two years, with the insurance company eventually paying after the claim went to appraisal. Pennymac has the insurance checks but does not release until it has passed inspection. When it was time for an inspection, they advise I have to request, then wait to be contacted by the 3rd party inspector ( 7 days ), then schedule several days after contacted. I have had several inspections cancelled after I had already taken off work, without notice. When the inspector finally did arrive, he arrived 2 hours early, then left without performing the inspection. I took off work early to meet him, but he refused to come back at the scheduled time, advising I must start the scheduling process over again. He ended up having me take pictures and sent them to Pennymac, with his write up ( from an inspection he did not do ), and Pennymac determined my work was 50 % complete and would issue 50 % of the funds. My house repairs are completed 2 weeks after the scheduled inspection, and I still have not received any funds. I spoke with customer service, again, and they initiated a dispute, freezing even the 50 % payment, making me restart the inspection request over again because they reviewed the previous inspection ( which never happened ), and determined it only 60 %. When asked what the recourse is to have accountability, or to even expedite the final inspection to pay the contractor, they advised that there was none. Now, my repairs will be completed and I will have to pay more than {$75000.00} out of pocket until they can go through the process to get me scheduled.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> TransUnion LLC Dear TransUnion Team, Good evening. 
I would like to take a moment to express my gratitude for restoring my XXXX XXXX account. Your swift response to my request is greatly appreciated. 
Additionally, I would like to request your assistance in correcting the reporting for my XXXX XXXX XXXX account. It appears that there may be inaccuracies that need to be addressed. 
Thank you once again for your attention to this matter. I look forward to your prompt response.

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 2024-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Lincoln Financial Services
State: CA

Complaint narrative:
I have two fixed IRA accounts with Lincoln Financial Group ( recently acquired by XXXX ). 
Both accounts are to send me by ETF a distribution in XXXX as required by law. One account did not send the ETF and I have tried to contact Lincoln/XXXX  by phone and online several times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) only to be sent to customer service in XXXX XXXX XXXX XXXX XXXX where the agents have no way of fixing this problem. 
The Account is under my name : XXXX XXXX XXXX, Participant ID : XXXX, Plan ID Number : XXXX, Contract Number : XXXX, Plan Type : Money Purchase Pension. This is a 401a account and is supposed to send a required distribution each year which they have done in the past for many years. The website for Lincoln shows a distribution sent with a deduction of {$4700.00} from this account, but the funds ( about {$3600.00} after taxes ) have not shown up in my XXXX XXXX XXXX  account as of XX/XX/XXXX. This account had a balance of {$84000.00} in XX/XX/XXXX and a balance of around {$80000.00} in XXXX, but the deduction of funds never reached my bank. Can you please help me with this? I have spent many hours on the phone to no avail. Thanks.

Company response to consumer: Untimely response
Consumer complaint received 2024-12-14 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/2024 Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Late Payment Account Dear Experian, I am writing to formally dispute a late payment entry on my credit report that I believe to be inaccurate. This entry is associated with XXXX XXXX Account # ( XXXX ), and it does not accurately reflect my payment history. 

The reporting of this late payment violates several provisions of the Fair Credit Reporting Act, specifically : 1. **15 USC 1666 ( b ) ** : This section requires that creditors provide accurate information regarding the payment history of consumers. The late payment reported on my account does not align with my records and is not a true reflection of my payment behaviors.

2. **15 USC 1637 ( a ) ** : This provision mandates that creditors must provide clear and accurate disclosures regarding the terms of credit, including payment schedules. I believe that the late payment reported is not compliant with these requirements, as it misrepresents my payment history.

I kindly request that you investigate this matter and review the evidence I have enclosed to support my dispute. I believe that upon review, the inaccurate late payment will be removed from my credit report. 

Please direct all communications regarding this dispute to my address provided above. I appreciate your prompt attention to this matter and look forward to your response within the time frame specified by law. 

Thank you for your assistance. 

Sincerely, 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 2024-12-14 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: IL

Complaint narrative:
I have been disputing the negative mark on my credit report from XXXX XXXX and all three credit bureaus, The transmission went out in my car and I called XXXX to see if they would be able to fix the transmission and I was denied due to the warranty being over by 1 mile. XXXX knew they sold me a lemon to begin with and for them not be willing to fix the transmission and demand the car payments is not right at all. XXXX says the balance on the vehicle loan is {$13000.00} however to replace the transmission on my own would have cost me over {$4000.00} and I don't have that kind of money and is unable to keep up. I asked what else could be done since I could no longer drive the car since the transmission went out and I could no longer keep up with the payments due to financial hardship. XXXX said there was nothing they could do and allowed the car to sit outside of my house for 3 months on purpose so they can put it on my credit as a repossession and put a negative impact on my credit report. After going back and forth with XXXX I asked for my 1099-C to show the debt has been cancelled on their end and they wrote it off as income. When I finally received the 1099-C it does not have my correct address on it. I called XXXX to get answers they told me that I can put the 1099-C on my taxes however they did not mail me a new 1099-C with my correct address which would cause issues. XXXX told me I still owed the debt and the 1099-C form really doesn't mean anything anymore and it can not be used to remove the negative mark on my credit report and the 1099-C is only for my records. I have never lived at the address listed on the 1099-C. The date of identifiable event on the 1099-C is incorrect ; XXXX has XXXX as XX/XX/XXXX however they came and got the none working vehicle in XXXXXXXX XXXX XXXX XXXX is identifiable event code ( G ) meaning XXXX made the decision to discontinue collection to pursue payment. XXXX never changed the address on the 1099-C because I never received an updated one which causes a discrepancy with the credit bureaus when I submitted the 1099-C to XXXX, Equifax, and XXXX and filed disputes XXXX all three credit bureaus told me they spoke to XXXX and XXXX told them not to remove the negative mark and all the information on the 1099-C is accurate and that is not correct. I just checked my credit reports and all three credit bureaus have the XXXX negative mark to fall off XXXX of XXXX and it says Paid Off. Which means they came and got the vehicle in XXXX ; because XXXX will be 7 years and by law the credit bureaus have to remove it from my credit report. Also, since the credit bureaus have Paid off regarding this account it should not be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 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: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to dispute the accuracy and validity of a charge-off account that has been reported on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to accurate and complete information in my credit reports. I believe the information regarding this charge-off account is inaccurate and/or incomplete, and I request an immediate investigation into this matter. 

XXXX  XXXX. Account # : XXXX Applicable Legal Basis for Dispute 1. Verification Requirement ( 15 U.S.C. 1681i ) : - The FCRA mandates that all disputed information be verified within 30 days of a consumers dispute. If the information can not be verified, it must be corrected or deleted.

2. Obligation of Accuracy ( 15 U.S.C. 1681e ( b ) ) : - Consumer reporting agencies must ensure maximum possible accuracy of the information in consumer reports. The inaccurate or unverifiable information regarding the charge-off account violates this requirement.

3. Re-Aging of Debt ( 15 U.S.C. 1681c ) : - The FCRA prohibits re-aging of old debt. If the date of first delinquency is inaccurately reported, the charge-off may appear on my credit report longer than the allowed 7 years.

4. Validation of Debt ( Fair Debt Collection Practices Act, 15 U.S.C. 1692g ) : - Under the FDCPA, if the debt is being collected by a third party, I have the right to request validation of the debt, including proof of ownership and the amount owed. If the creditor or collection agency can not validate the debt, it must be removed.

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 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently put a copy of my credit report and realized that I have fraudulent activity. below are the fraudulent accounts that need to be removed off of my account. 

XXXX XXXX XXXX Amount : {$230.00} Opened : XX/XX/XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$750.00} XXXX XXXX Amount {$52.00} XXXX XXXX XXXX XXXX open XX/XX/XXXX Amount {$3700.00}

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 non-monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Prior to the XXXX XXXX, I was current on all my debt. Due to the pandemic I began to default on my revolving debt and auto loan. Pursuant to the CARES Act, most of my creditors negotiated a settlement payment or provided a forbearance. CitiBank , N.A . choose to charge-off my account after XX/XX/year> and during the pandemic. Several years later, they sold the charged-off debt to XXXX XXXX XXXX XXXX 

In violation of Sec. IV subsection XXXX : CitiBank denied my request for relief pursuant to Sec. XXXX. 
In violation of Sec. IV subsection XXXX : XXXX XXXX XXXX is trying to collect on a debt that was charged-off during the pandemic after CitiBank refused to provide relief. The collection attempt and its reporting to the credit bureaus is in violation of the CARES Act. 

Additionally, XXXX XXXX XXXX has failed to provide evidence the debt belongs to me.

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 2024-12-14 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: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is XXXX, filed on XX/XX/year>. 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : Click or tap here to enter text. 
XXXX. XXXX XXXX XXXX : XX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

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 2024-12-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I have never had an account with XXXX XXXX or Transworld. 
I believe whatever this account is that has been opened is fraudulent. 
I have tried to dispute on all three credit reporting agencies to no avail and was told by XXXX to try the FTC route. 
I have no contracts, letters or receipts.

Company response to consumer: Closed with explanation