vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-07 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:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated.

These inaccuracies are highly injurious to my credit rating. XXXX XXXX XXXX XXXXXXXX - The following inquiry was not authorized and should not be reporting. XXXX XXXX XXXX XXXX XX/XX/year> The following inquiry was not authorized and should not be reporting. XXXX XXXX XX/XX/year>, - The following inquiry was not authorized and should not be reporting. XXXX XXXX XXXX XXXX XX/XX/year>- The following inquiry was not authorized and should not be reporting. XXXX XXXXXXXX XXXX XXXX The following inquiry was not authorized and should not be reporting. XXXX XXXX XXXX XX/XX/year>- The following inquiry was not authorized and should not be reporting. XXXX XXXX XXXX - The following inquiry was not authorized and should not be reporting. Furthermore, in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please forward me an updated credit report after you have completed your Investigation and corrections. I have sent numerous prior requests to your organization asking you to check into the validity of inquiries that I believe are incorrectly reporting with you and asked that you remove them from my credit report. Enclosed is a copy of my Identity Theft Report supporting my position. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Your cooperation and prompt attention are greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: NY

Complaint narrative:
Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which is involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
In XX/XX/XXXX, I entered a modified agreement with Navient that included the following terms : XXXX ) Reduced principal balance XXXX ) I paid a {$1000.00} down payment. 
XXXX ) I agreed to allow Navient to debit {$100.00} from my bank account for 24 months. 
XXXX ) After 24 months, I had the option to discontinue the direct debit and continue paying {$100.00} per month until the loan was paid in full. 

In XX/XX/XXXX, Navient informed me that I could discontinue the direct debits because they received 24 months of direct debit payments as agreed. 
Afterward, I began paying XXXX via automatic monthly payments sent by XXXX  XXXX XXXX. 

I have not missed or paid late since the inception of the agreement in XX/XX/XXXX. 

However, after I ended the direct debit payments as agreed with Navient, the company began making harassing collection phone calls. 

Navient insists that my account is delinquent and has ruined my credit rating by reporting late payments every month for 7 years. 

I continue to pay {$100.00} per month as agreed and hope the XXXX can help resolve this problem with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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:
I am writing to file a formal complaint against all XXXX credit reporting agencies regarding their credit reporting practices, as regulated by the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c.

The basis of my complaint involves the following issues : 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports.

Pertaining to 15 us Code 1681c : Except as authorized under subsection ( b ), 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.

Adverse item of information meaning- include records containing derogatory information, such as payment delinquencies or defaults etc No adverse items besides the conviction of crimes should be on my all 3 of my credit reports EXPERIAN , XXXX XXXX XXXX XXXX. All derogatory marks must be removed from all XXXX of my credit reports, all and any delinquencies must be removed from my credit reports all and any defaults must be removed from my credit reports. All and any late payment reporting must be removed from my credit reports. All and any utilization percentage usage also must not be on my XXXX credit reports. 
After looking over my credit report all these companies have reported adverse information and EXPERIAN, XXXX XXXX, XXXX have furnished the adverse informXXXX 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

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 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
hard inquire was done without my permission i wasnot present at the time this was done! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX  finance XXXX XXXXXXXX via dealer XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX infifinity XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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:
hard inquire was done without my permission i wasnot present at the time this was done! 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/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 2024-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: AZ

Complaint narrative:
Everything was great until I misplaced my installment contract due to being illegally evicted from my home. I went to the dealership to get.a copy and thing where immediately different at first sight.. I ended up finding my original. When I compared them somethings didn't match and I remember the guy to did up our installment was name XXXX. It wasn't XXXX signature. I did a little researching and found a consumer protection webinar.. make a long story short I got show all the discrepancy on my installment. 


15U.S CODE1631 FULL DISCLOSURE REQUIREMENT WHICH THEY DID NOT DO.. 

15U.S CODE 6821 Privacy of my information WHICH THEY GAVE TO A THIRD PARTY TO REPOSSESS MY CAR WHEN IT WASN'T IN DEFAULT.. 

15U.S CODE1605 SUM OF ALL CHARGES..

1 ) WHICH I PAID FOR THE CAR TO BE SERVICE OUT OF POCKET 2 ) NO INSURANCE 3 ) PUT {$500.00} DOWN.. WHICH IS ILLEGAL WHEN FINANCING. 6

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: OH

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-06-07 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: FL

Complaint narrative:
My account with SELF FINANCIAL/LEAD BA was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX  ever Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-06-07 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: FC HoldCo LLC
State: TX

Complaint narrative:
Im not too educated on credit so when i checked mines for the first time i seen many inaccurate information, and accounts that i never knew anything about. Ive been very stressed because this info has hindered me from getting credit, i would like these thing to be removed immediately.

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 2024-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning 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 2024-06-07 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: FL

Complaint narrative:
I appreciate your time to correct some of the misleading information previously reported on my credit file. Right now I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the remaining account needs proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for another investigation of the account here : XXXX XXXX XXXX XXXX Balance Owed : {$530000.00}. Again as previously stated under provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please reinvestigate and update this disputed account. Please forward me the name and addresses of persons contacted. Fifteen ( 15 ) days from receipt of this letter is the length of time you are allowed under 15 U.S.C. Section 1681i ( 5 ) ( A ) to complete these actions unless you notify me otherwise. It should be understood that failure to verify within this time constitutes non-verification, and the account must be promptly updated according to Section 1681i ( a ). Pursuant to 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, please notify me when the account has been updated. Once this has been accomplished, please forward me an updated copy of my credit report to the address provided.

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 2024-06-07 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: FL

Complaint narrative:
I appreciate your time to correct some of the misleading information previously reported on my credit file. Right now I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the remaining account needs proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for another investigation of the account here : XXXXXXXX XXXX XXXX XXXX Balance Owed : {$530000.00}. Again as previously stated under provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please reinvestigate and update this disputed account. Please forward me the name and addresses of persons contacted. Fifteen ( 15 ) days from receipt of this letter is the length of time you are allowed under 15 U.S.C. Section 1681i ( 5 ) ( A ) to complete these actions unless you notify me otherwise. It should be understood that failure to verify within this time constitutes non-verification, and the account must be promptly updated according to Section 1681i ( a ). Pursuant to 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, please notify me when the account has been updated. Once this has been accomplished, please forward me an updated copy of my credit report to the address provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On XX/XX/year> my wife attempted to purchase XXXX XXXX from a website named XXXX. When she proceeded to check-out, you are only able to select Pay-Pal related payments. You are re-directed to Pay-Pal 's purchase page. The purchase amount was {$120.00}, and since my wife 's PayPal account balance was less than this, the payment was processed through PayPal on our Sam 's Club XXXX ( credit card - Synchrony Bank ). You are not directed back to the XXXX cart, there was no confirmation screen nor email nor code nor tracking info. The charge is redirected by code to recharge XXXXXXXX XXXX for a separate account in some other country ( not linked to the site ). You cant track the order through the XXXX site, since there is no tracking nor order number. My wife 's PayPal account shows a purchase labeled XXXX XXXX XXXX. The reference on my credit card statement is XXXX XXXX XXXXXXXX XXXX To be clear, we DO NOT have an account with XXXX. To be clear- we never received any XXXX XXXX. If you try to contact XXXX, the contact info on their website is fraudulent. The one address and phone number in XXXX XXXX is actually a closed XXXX XXXX XXXX XXXX The second address and phone number in Arizona is actually XXXX XXXX XXXX XXXX. When I contacted Synchrony Bank about this fraud, they did investigate. However, they view XXXX as the merchant and XXXX replied to Synchrony confirming the amount in question was indeed paid to a XXXXXXXX XXXX  via a purchase of XXXXXXXX XXXX funded by utilizing our credit card. Synchrony Bank will not reverse the charge on my account as they say we authorized this payment to XXXX. I have argued with Synchrony, that we did not authorize the purchase of XXXX coins, and that we were trying to purchase XXXX XXXX from the XXXX website ( which were never received ). We consider this fraud. Synchrony did request additional documentation from us. I have sent them screen shots of the XXXX home page and the website pages that show the fraudulent contact information. But I have no order confirmation or other info to give the bank as we never received anything as described above. The additional documentation did not help my case. They still claim that we " authorized '' this transaction, which we most certainly did not. At this point the bank has dug in its heels and will not reverse this charge. We are hoping you can help us in convincing the bank that this is a fraud perpetuated on us through a somewhat elaborate internet purchase scam.

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 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-06-07 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: FL

Complaint narrative:
After sending out a letter and complying with FCRA 605B guidelines to TransUnion they have responded with a letter stating they have removed the 27 inquiries only to have them on the credit report. This is the reason why my attorney has been assigned to sue the credit report agency for failing to comply with the federal law and for failing to remove the 27 inquiries that are fraudulent.

They have also failed to provide any training to the fraud department. Im sending you the complaint so that you have the information documented. 

When my attorney files a lawsuit against you for my personal injury in losses of XXXX because I am not able to secure capital to grow my business or operate my business. Not to mention pain and suffering from XXXX and anxiety and XXXX from the stress of not having enough XXXX  to support my family financially. You have no right to have that much control of someone elses destiny especially when you are in the wrong side of the law. Even if you are to remove the inquires from the file. The past year has been very difficult for me and my family along with my ministry. I want you to know how much you cost me and my family. 


You have failed me as a victim and you deserve to be held accountable for my financial losses and suffering that you have caused me and my family. 

I am sending you this letter so that you are not confused about the lawsuit against you that my attorney has filed. You will receive notification of this matter within a week. Personally I am wanting to take this matter to trial to ensure that this matter is not effecting any other victims of fraud and identity theft.

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