vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-15 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: OR

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered 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
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I recently discovered that my personal information has been used without my authorization. This unauthorized use has resulted in fraudulent activities, including the opening of accounts and transactions that i did not initiate. I am concerned about the potential impact on my financial standing and personal security.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
There are unauthorized accounts on my credit report that I don't recognize. I believe these were mistakenly added without my consent and may be the result of identity theft or fraud. Please block and remove these fraudulent accounts.

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 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
There are unauthorized accounts on my credit report that I don't recognize. I believe these were mistakenly added without my consent and may be the result of identity theft or fraud. Please block and remove these fraudulent accounts.

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 2024-10-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Goal Structured Solutions, LLC
State: NV

Complaint narrative:
XXXX XXXX gave me a loan back in XXXX, my payments were $ XXXX, I started paying $ XXXX and about 6 months ago started paying $ XXXX. I have never missed a payment or was I late ( they take it directly from my checking account ). 

Today I tried to log into their website and XXXX said it was a questionable site and blocked it. When I called the company, they gave me the number of another company Launch Services who when their computer answered was a collection agency. 

Talking to the reprehensive ( XXXX - ID # XXXX ) he had me open the pages ignoring the warnings from XXXX. He had the last 4 of my account numbers and my payments correct along with the balance. He knew my login name but not my password. However the page he took me to was very suspecious. https : XXXX XXXX wanted to block it, I am concerned that I might have given this person information that will be adverse to my account. He said I was current in my payment and knew how much I paid a month. But because XXXX kept blocking the URL, I thought I should report the problem. My next payment is due to come out in 2 days, he said they took over in XXXX and all payments are current - than why is a collection agency calling me?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-10-15 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
Since this is my second request, I will also be providing the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : still reporting them as accurate you need to cease and desist this CXXXX 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 XXXXXXXX

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 2024-10-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: IA

Complaint narrative:
In XX/XX/XXXX, I received a student loan from Sallie Mae. In XX/XX/XXXX, I completed my XXXX XXXX XXXX and began making payments on the loan. In XX/XX/XXXX, I enrolled in a XXXX XXXX  XXXX  at the XXXX XXXX XXXX . My loans were automatically enterred into deferrment. 

In XX/XX/XXXX, I began receiving bill notifications from Sallie May for approximately {$270.00} a month. I believed this was in error. Upon calling the agency, I was informed that even while enrolled, you can only defer payments for 48 months. This means that I have to come up with {$270.00} while still enrolled as a XXXX XXXX XXXX. 

My mother is listed as the co-signer on the loan. She is now retired and ill. When I called to seek another deferment until I graduate in XX/XX/XXXX or an income-driven repayment plan, I was denied by Sallie Mae .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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.

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXXXXXX Called regarding MIXED FILE, recieved mail which said " We opened your case '' XX/XX/XXXXXXXX XXXX XXXXXXXX Ticket register, Ticket number- XXXX, mail recived " Your former address has been removed '' but it was not even removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Synovus Bank
State: NC

Complaint narrative:
This is no written-off/collection yet on XXXX / XXXX reporting as a negative account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: FL

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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: TX

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

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 2024-10-15 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: Synovus Bank
State: CA

Complaint narrative:
XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington , DC XXXX Re : Case No. XXXX Complaint Against First Progress Card Dear Consumer Financial Protection Bureau , This letter is in response to the complaint identified as Case No. XXXX regarding First Progress Card 's reporting practices. I would like to address certain inaccuracies and provide clarification on my experience following the filing of my initial complaint. 

Upon calling First Progress to inquire further, I was informed by one of their agents that the account in question had been transferred to XXXX XXXX XXXX, effective as of XX/XX/year>. This transfer occurred after the filing of my complaint, and as a result, I reached out to XXXX XXXX XXXX at the number provided ( XXXX ). The representative at XXXX confirmed that they had just received the account on XX/XX/year>, and thus were unable to report on the account at the time of my inquiry. 

Furthermore, I would like to bring to your attention that the information currently being reported on my credit file is inaccurate. Specifically, the name reported/connect to this account is " XXXX XXXX, XXXX which is not correct. This misrepresentation constitutes a violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681e - Compliance procedures, which requires that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

In conclusion, I request that the CFPB address this issue and ensure that both the inaccurate reporting of my name and the overall reporting of the account are corrected in compliance with the FCRA. I also ask for a thorough investigation into whether First Progress and XXXX XXXX XXXX have followed the proper procedures regarding the transfer and reporting of this account. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: FL

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am an employee and a victim of systemic XXXX abuse in XXXX XXXX, and I believe either XXXX XXXX, XXXX a group within XXXX, or an adversary paid by XXXX or XXXX is restricting my access to financial resources that I need in order to seek asylum in XXXX XXXX. I believe my credit score information provided by Experian and XXXX is inaccurate due to interference from the employer. I reported this issue with XXXX and Experian multiple times and they are not responding to my report. I am a paying Experian and XXXX customer. I currently pay for identity theft protection and part of that service should include protecting my credit score information from employer or other adversary interference. I am looking to sue XXXX XXXX and XXXX  I believe that these organizations are doing everything in their power to restrict my access to adequate health care, financial services, and legal services. I have evidence to support these claims, and am asking for help in order to get fair access to financial resources like a small personal loan to be able to move my stuff to XXXX. Please help.

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 2024-10-15 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2024-10-15 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: CA

Complaint narrative:
I have recently discovered inaccurate information on my report, which I believe is not associated with me. This situation has caused me significant concern about the security of my personal information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
Please note the attached documents and correct the erroneous reporting on the GENESIS Financial Account. Please see the attached complaint letter, email communication and call log screenshot. GENESIS reported me as 30 days late in error. First of all I was only 21 days late at the time of the reporting. Secondly they sent my final bill to the wrong address even thoug I corrected the address twice.

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 2024-10-15 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: MD

Complaint narrative:
There are errors on my credit report under 15 USC 1681c-2 related to inquiries I didnt authorize, and they are negatively affecting my credit score. Please remove all unauthorized hard inquiries

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 2024-10-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
On XX/XX/XXXX, we paid Synchrony Bank CareCredit the full balance, including all accrued interest charges. We verified that there would be no more charges and the amount paid would zero out our account balance with their customer service rep. 

Upon receiving my statement on XX/XX/XXXX from another credit card provider, I notice my XXXX score had plummeted from XXXX to XXXX. I immediately obtained a free XXXX credit report from the FTC site. The only relevant item under " Accounts with Adverse Information '' is CareCredit. They apparently sent a statement the next month charging a {$1.00} statement fee. The account had no balance previously. The only charge was the statement fee. They continued to send monthly statements, including a " minimum interest charge purchases '' of {$2.00}, even though no charges were made. 

I called CareCredit customer service, asked them about their submission. I let my husband discuss the policy with them. They admitted that " If there is no balance, then there will be no paper statement fee charged. '' He asked again and they stated " If there is no balance, there will be no paper statement fee, correct? That's your policy? '' She replied " That is correct ''. 

CareCredit apparently contradicted their own policy in charging fees. They charged {$2.00} interest on what they reported as a {$1.00} balance. They continued to charge nominal fees and reported to at least one credit reporting bureau that I was delinquent on my account, triggering a rapid drop in my credit score.

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