vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Noticed my credit card interest rate changing over the years without any notification. Rates have consistently fluctuated over the years on a quarterly or so basis and without any notification ever. When asked how my interest rates have increased so much from my original terms Im met with thats what is has been. They only have statements online for the past two years and even there the rates are showing changes without any notification from the lender. My rates has increased almost 9 % since getting this card and I have never made a late or missed payment over the years. This is unfair and deceptive practices for service members and their families. The company prides itself on being military friendly but operate as though its business is targeting military.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: Nelnet, Inc.
State: PA

Complaint narrative:
I was late for my student loan many many years ago due to my bank changing bill pay company. I have never been late after that. That was back in XXXX. It's still over the 7 year threshold. I called to ask them when I was late, and the representative on the phone said I already disputed the charge. It's been over a year and it's still on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: NY

Complaint narrative:
I have fraudulent accountS on my credit report, which I reported to XXXX XXXX  and XXXX  XXXX XXXX, yet they are not removing this fraudulent account. They have no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than XXXX business days after date of receipt, yet XXXX XXXX  has refused to do this. The followings are the fraudulent accounts : XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: TX

Complaint narrative:
Please remove the account XXXX from collection agency XXXX XXXX XXXX from my credit report. I sent a letter to the collection agency XX/XX/XXXX and they have failed to validate this account. Furthermore, I am on a payment plan with the original creditor XXXXXXXX XXXX, so I am confused as to why this collection agency is claiming that I owe them anything. The balance reported is not the same balance that I have with XXXXXXXX XXXX. Lastly, Equifax is the only credit bureau reporting this inaccurate information. I informed Equifax of this error in a dispute letter, and via cfpb in complaint XXXX that they were reporting inaccurate information. They failed to remove this account and they also failed to notate that this account was in a dispute on my credit report which is a violation of the FCRA. At this time, I am only asking for the removal of the account above. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I wrote a letter on XX/XX/2023, inquiring about both known and unknown information on my credit report. I still haven't gotten an answer even after more than 60 days have passed. I feel as though my disagreements are being disregarded and exploited. According to Section 611A, if these issues are not investigated within 30 days, that is a valid cause to have them removed off my credit report right away. They ought to be removed right now because it has been more than 60 days. I demand that these things be taken down right now, or I'll file litigation for the stress you put me under. The XXXX data leak also affected my information, which might have ended up in the wrong hands.

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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
To whom it may concern I'm writing to bring to your attention a matter of identity theft has caused me significant distress it has come to my attention that there are inaccuracies in My consumer report resulting from an authorized and fragile use of my identity Upon discovering this I have taken immediate steps to rectify the situation and report identity theft to the relevant authorities I am providing you with the necessary documentation include an identity theft report file with the law enforcement to support the claim of unauthorized you so my personal information The false information on my consumer report has not only called financial implications but also resulting in considerable emotional distress our request in accordance with 15 us code 1681 C2 that you probably blocked the information result from this identity theft from being further reported or used

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 2024-01-17 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: IN

Complaint narrative:
To whom it may concern I'm writing to bring to your attention a matter of identity theft has caused me significant distress it has come to my attention that there are inaccuracies in My consumer report resulting from an authorized and fragile use of my identity Upon discovering this I have taken immediate steps to rectify the situation and report identity theft to the relevant authorities I am providing you with the necessary documentation include an identity theft report file with the law enforcement to support the claim of unauthorized you so my personal information The false information on my consumer report has not only called financial implications but also resulting in considerable emotional distress our request in accordance with 15 us code 1681 C2 that you probably blocked the information result from this identity theft from being further reported or used

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: IN

Complaint narrative:
To whom it may concern I'm writing to bring to your attention a matter of identity theft has caused me significant XXXX  it has come to my attention that there are inaccuracies in My consumer report resulting from an authorized and fragile use of my identity Upon discovering this I have taken immediate steps to rectify the situation and report identity theft to the relevant authorities I am providing you with the necessary documentation include an identity theft report file with the law enforcement to support the claim of unauthorized you so my personal information The false information on my consumer report has not only called financial implications but also resulting in considerable emotional distress our request in accordance with 15 us code 1681 C2 that you probably blocked the information result from this identity theft from being further reported or used

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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Look at the evidence which was also forwarded to the DOJ. Clearly you can see this company is retaliating against me for filing complaints. In the screen shots provided that experian is absolutely not telling the truth. They closed this complaint FOR WAT YOU DID NOTHING BUT FURTHER DESTROY MY CHANCE AT GETTING A HOME AND THIS IS DONE ON PURPOSE

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 2024-01-17 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: Informative Research
State: IL

Complaint narrative:
This complaint is in regards to a creditor, i.e. 
XXXX  XXXX XXXX, placing unauthorized inquiries upon my credit profile. I have been trying to reach resolve for over eight months, to no avail. I have sent letters demanding that they furnish proof and remove it, only to receive a generic response ( see attachment containing correspondence ). I will mention that, despite sending multiple letters, I only received a response from the company on one occasion-which was several months ago. I also contacted the three major credit reporting agencies, to which they responded that the information will remain on my credit profile-even after I demanded they furnish proof-without either actually furnishing proof within the requested timeframe ( see attachments dated XX/XX/XXXX/2023 to bureaus ). I will also supply correspondence from the investigation results from credit reporting agencies. They are attempting to allow inaccurate information to remain on my credit, going against my rights to fair and accurate reporting. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: MS

Complaint narrative:
i am a victim of identity theft and has attach a copy of my FTC report below for your reference, this alleged debt is not mine and needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Paypal Credit and Synchrony Bank have been unlawfully reporting my transaction history to unaffiliated businesses such as XXXX, XXXX, and XXXX. I have attached a picture of their Privacy policy which states they don't share information with anyone unaffiliated and I have also attached a letter sent to them describing the USC and CFR laws listed within the notice.

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 2024-01-17 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: OH

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian and XXXX regarding the inaccurate reporting of a bankruptcy on my credit report. I believe that both credit reporting agencies have violated my consumer rights by including false information that is damaging to my creditworthiness. 

Details of the Inaccuracy : Inaccuracy : Both Experian and XXXX are reporting a bankruptcy on my credit report that does not belong to me. 
Explanation : Upon reviewing my credit report, I discovered that Experian and XXXX are inaccurately reporting a bankruptcy that is not associated with my financial history. I have never filed for bankruptcy, and this erroneous information is having a detrimental impact on my credit score and overall financial well-being. 

Steps Taken to Address the Issue : I have taken the following steps to rectify the situation : Contacted Experian and XXXX : I have contacted both Experian and XXXX to dispute the inaccurate information through their dispute resolution processes. 
Documentation : I have provided supporting documentation, including my credit reports, identification, and any relevant proof that confirms the error. 
Despite my efforts, the inaccurate bankruptcy information persists on my credit reports, and it is crucial that prompt action is taken to rectify this situation. 

Requested Actions : I kindly request the Consumer Financial Protection Bureau to investigate this matter and take the necessary actions to compel Experian and XXXX to correct the inaccurate reporting on my credit reports. 

Enclosed with this complaint, supporting documentation that may aid in your investigation. 

Thank you for your attention to this matter. I appreciate your assistance in resolving this issue and ensuring the accuracy of my credit 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 2024-01-17 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: MS

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
Dear Representatives of XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX, To clarify your fiduciary capacity, I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to your possession of the account attached to XXXX XXXX with last 6 of VIN XXXX last 4 of social XXXX. 

In order to facilitate efficient proceedings and ensure all relevant information is accounted for, we kindly request the following documentation : 1. Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgments, and settlements. 

2. Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transaction specifics. 

3. Copies of any contracts, agreements, or instruments related to the chose in action. 

4. Pertinent correspondence, communications, or notices related to the chose in action. 

5. Any other documents or records that provide insights into the nature, ownership, or status of the chose in action. 

Chose in action means property or the proprietary right over property Property means the equitable interest, use of a thing We appreciate your prompt attention to this request and ask that you provide the requested documentation within 10 days. 

Thank you for your cooperation and timely attention to this matter. 

Kind Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: NY

Complaint narrative:
I had a credit card XXXX XXXX  XXXX ending in XXXX yhere unauthorized charges placed on this card. I did everything I was supposed to do with this credit card and the service rep for XXXX XXXX  gave me wrong information. XXXX XXXX  said that I was still responsible because my XXXX XXXX XXXX son got a hold of my credit card and purchased a bunch of online games. Under Federal law it states that I am not responsible for these charges. So now the credit reporting companies are publishing wrong information on my credit reports. I have explained to these companies numerous times about this and they continue to post this fraudulent account information. ( 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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Credit report agencies did not do a thorough investigation. I got my results back, and the credit reporting is not accurate as it should be according to the FCRA. 

All accurate information should be reported to the credit reporting agencies or it should be updated or removed immediately if investigation was not properly investigated and as a result, this is harming my credit report please remove this account immediately. 

There is different information being reported with the three credit agencies, and it should be accurate all the way across-the-board please remove.

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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I had a credit card XXXX XXXX  XXXX ending in XXXX yhere unauthorized charges placed on this card. I did everything I was supposed to do with this credit card and the service rep for XXXX XXXX  gave me wrong information. XXXX XXXX  said that I was still responsible because my XXXX XXXX XXXX son got a hold of my credit card and purchased a bunch of online games. Under Federal law it states that I am not responsible for these charges. So now the credit reporting companies are publishing wrong information on my credit reports. I have explained to these companies numerous times about this and they continue to post this fraudulent account information. ( XXXX XXXX XXXX ) & XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 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: NY

Complaint narrative:
I had a credit card XXXX XXXX  XXXX ending in XXXX yhere unauthorized charges placed on this card. I did everything I was supposed to do with this credit card and the service rep for XXXX XXXX  gave me wrong information. XXXX XXXX  said that I was still responsible because my XXXX XXXX XXXX son got a hold of my credit card and purchased a bunch of online games. Under Federal law it states that I am not responsible for these charges. So now the credit reporting companies are publishing wrong information on my credit reports. I have explained to these companies numerous times about this and they continue to post this fraudulent account information. ( XXXX XXXX XXXX ) & XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: LA

Complaint narrative:
I filed several disputes with Transunion and XXXX asking them for the documents after the investigation. I sent them my police report and FTC report. This accounts were removed from my XXXX report after I disputed them.

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 2024-01-17 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: MS

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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