vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-04 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:
Please understand I am the only person writing this with no help from a 3rd party.I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge. As per the regulations outlined in the Fair Credit Reporting Act ( 15 USC 1681 ), it is imperative that consumer reporting agencies, such as XXXX and Experian and XXXX conduct their responsibilities with fairness, impartiality, and utmost respect for the privacy rights of consumers. 

As a consumer, I am entitled to ensure the confidentiality of my personal information, as reinforced by 15 USC 6801, which underscores Congress 's stance on financial institutions ' obligation to safeguard customer privacy. Entities providing information to credit agencies, classified as financial institutions, fall under this directive. The Accounts in question are as followed XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, According to 15 USC 1681 section 604, a consumer reporting agency may furnish a consumer report only upon the written instructions of the concerned consumer. XXXX, Experian and XXXX and any financial institution furnishing information to credit agencies lack my explicit consent or written authorization to do so. Therefore, any form of consent, whether verbal, non-verbal, or implied, is hereby revoked. 

Furthermore, 15 USC 6802 mandates that a financial institution must inform consumers of their right to opt out of disclosing nonpublic personal information to third parties. However, I was never notified of this option by the furnisher of information to credit agencies.

Moreover, according to 15 USC 1681C, consumer reporting agencies are prohibited from including adverse items of information in consumer reports without authorization. This account being reported without my consent violates this provision. 

Additionally, under 15 U.S. Code 1681s2 ( A ) ( 1 ), it is unlawful for any entity to furnish inaccurate information to consumer reporting agencies, and XXXX and Experian and XXXX fail to maintain reasonable procedures as required by 15 U.S. Code 1681e.

Furthermore, according to 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any time, a right I am now exercising. 

Therefore, I demand that XXXX, Experian and XXXX and any financial institution involved cease the reporting of my information 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 non-monetary relief
Consumer complaint received 2024-04-04 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: PA

Complaint narrative:
FCRA 605B mandates the elimination of any erroneous entries from my credit report. Would you mind reviewing the documents? Some of the listed entries contain inaccuracies in reporting, including incorrect amounts and dates.

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 2024-04-04 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:
Back in XXXX of XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

And one more thing according to 15 USC 1681s-2 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. 

This account reported on EXPERIAN : XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX {$17000.00} Date of OPEN in XX/XX/XXXX Date of Last Activity XX/XX/XXXX This account reported on XXXX  : XXXX XXXX  XXXX XXXX XXXX {$17000.00} Date of OPEN XX/XX/XXXX Date Of Last Activity XX/XX/XXXX This is being reported inaccurately on with different dates and illegal renewing of the dates of this account. 

Inquiries I did not authorized have been pulled without my consent! 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX This account was reported and disputed back in XX/XX/XXXX when the bureaus said is was accurate. 

This acount has been illegally reaged and not accurate in it's reporting. 
EXPERIAN and XXXX did not investigate to show accuracy and protect my rights as a consumer! 

I have attached the credit reports showing blatant fraud and violations of my consumer rights to privacy and fair and accurate reporting. 

Delete this account and inquiries, or I will sue for blatant fraud and blatant violations of my rights.

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 2024-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management
State: SC

Complaint narrative:
This loan was a fraudulent account. My bank Account was hacked and closed due to fraudulent activity. I lost my wallet and my identity was stolen during this process it was used by someone. I send information to this company with ftc report, police report, bank statement closed account. I contact this company in XXXX to have it investigated. I sent over documents and still waiting to hear back. I called XXXX services have to give them 30 days. The loan amount says it was taken out in XX/XX/XXXX this loan is from XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
On XXXX, XXXX XXXX a credit account was opened without my authorization or me knowing that the account was opened. I received the credit card in the mail and immediately contacted Synchrony Financial for a resolution. Upon their investigation they insured me the account was open fraudulently. Synchrony Financial submitted a request for removal of the account and inquiry to be deleted from my credit report to the three major credit bureaus. As of XX/XX/XXXX the inquiry still remains on my XXXX report. I have contacted Synchrony Financial many times and have disputed the inquiry that still remains with XXXX just as much. The account has been removed but the inquiry still remains. The other two credit bureaus have removed the account and inquiry from my credit report for some time now. I have submitted a letter to XXXX for further investigation and removal of this inquiry as well as taken steps with Synchrony Financial to see what the hold up has been regarding this issue. I have been told by numerous representatives that they have re-submitted a request of removal to the three credit bureaus and have been told to rest assure the issue has been taking care of throughout the last year and a half. I have taken diligent notes and feel confident that this process should not be taking this amount of time to be removed from my credit report especially since the account and inquiry associated was opened fraudulently.

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 2024-04-04 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: PA

Complaint narrative:
Under FCRA 605B, we're obligated to expunge any erroneous accounts from my credit report. Would you mind reviewing the documents? Certain listed accounts exhibit inaccuracies in reporting, including incorrect amounts and dates.

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 2024-04-04 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: DISCOVER BANK
State: PA

Complaint narrative:
In Fall of XXXX I was going to be missing a semester of school due to Military Duty. I did everything correct on my part, turned in my military leave paperwork, made sure there was nothing else. Moving forward I am back in school in the spring of XXXX after my military duty was completed at that time. As the semester went along, I started receiving emails and phone calls about my credit and loans. It turned out my university withdrew, " it showed I dropped out of school '' in the national student loan clearing house. After long fights with the school and my student loans it came to find out the university not only withdrew me, but they also withdrew from an incorrect semester that I have already completed. Time moves forward it comes to graduation, soon as it shows I am no longer in school my loans instantly affected me again. The issue is, they had my grace period used up incorrectly from when I was gone for military duty. So, we finally get to an understanding where they fix it for the one loan. Then exactly a month later they started charging me again. They fixed it with the one loan, but never fixed it with the other two. I started school the same time and finished the same time. Yet they still gave me no grace period at all. I started working full time not too long after that completely ready to start paying my loans trying to get this fixed. My credit is completely ruined from this, I started in hole before I was even able to start, all because I went away for our military. I have had so much stress and misleading understandings of this whole situation. Every time I go to this disputed with their credit advisors I get denied. I never spoke to them, and they do not know what happened. I don't understand how I was still in school, having loans charge me and still affect my credit. I just had to go away for the army and now my credit has been completely ruined, loans stacking up. I have been paying what I can but I am not able to do anything else. My credit has been ruined since I was a junior in college, from paying for college.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The following collections : XXXX XXXX XXXX {$4400.00}, XXXX  XXXX XXXX XXXXXXXX {$1100.00} and XXXX XXXX XXXX XXXX : {$2500.00} have Violated my Rights. 

Violation privacy and confidentiality under 15 USC 1681 has violated my rights.

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 non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IA

Complaint narrative:
I received notice today, XXXX, from XXXX that " I C SYSTEM INC '' has reported a derogatory mark on my credit for the amount of {$130.00}. I have no knowledge of this debt nor have I received any communication from I C SYSTEM INC. 

I have started a dispute through XXXX today 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 2024-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I've consistently maintained punctual payments on this account, never allowing them to lapse into overdue status. I'm uncertain about the rationale behind the late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections should be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Problems receiving the advance — 
Company: Kashable LLC
State: MI

Complaint narrative:
Since last year I have been denied for an employee based loan advertise through my employer. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have requested verbal and written instructions on a denial reason and the company will not provide this information. Several agent have said that their company users the XXXX court systems to verify public records. I have access to XXXX and the court records do not reveal your full Social Security number and there is more than one person with the same name. The consumer has violated consumer rights according to : 12 CFR 215.3 - Extension of credit. ( I can not be denied an extension of my credit ) meaning borrowing a ) An extension of credit is a making or renewal of any loan, a granting of a line of credit, or an extending of credit in any manner whatsoever, and includes : ( 1 ) A purchase under repurchase agreement of securities, other assets, or obligations ;

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Under The Fair Credit Reporting Act ( FCRA ), XXXX5 U.S.C. 1681 et seq, it states that credit reporting agencies have to report accurate information. I have been repeatedly asking the credit bureaus to report XXXX student loans as paid in full and as agreed since XX/XX/2022 and they still are not reporting my loans as paid off and as agreed. 
See below Group Total Applied Applied to Principal Applied to Interest Applied to XXXX AA {$2000.00} {$2000.00} {$0.00} {$0.00} XXXX {$2000.00} {$2000.00} {$0.00} {$0.00} XXXX  {$3000.00} {$3000.00} {$0.00} {$0.00} XXXX {$3000.00} {$3000.00} {$0.00} {$0.00} XXXX {$4000.00} {$4000.00} {$0.00} {$0.00} XXXX {$3500.00} {$3500.00} {$0.00} {$0.00} XXXX {$4000.00} {$4000.00} {$0.00} {$0.00} XXXX {$3500.00} {$3500.00} {$0.00} {$0.00} AI {$2200.00} {$2200.00} {$0.00} {$0.00} XXXX  {$2200.00} {$2200.00} {$0.00} {$0.00} XXXX  {$3500.00} {$3500.00} {$0.00} {$0.00} XXXX {$4500.00} {$4500.00} {$0.00} {$0.00} Total {$37000.00} {$37000.00} {$0.00} {$0.00}

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 explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/2024 a deposit containing 7 checks totaling {$6400.00} was flagged by bank and not deposited to my acct, even though the proper endorsement procedures were filed. 
Bank stated reason being " no DBA '' on the business acct. Bank said checks are being mailed back to me for reporcessing. 
While waiting for checks, went to bank ( not sure date ~Mar XXXX, 2024 ) and added DBA paperwork. 
XX/XX/XXXX no checks received, went to bank and was informed that deposit was never sent, but checks are in electronic inbox and will be processed for deposit within 10 business days - case # XXXX XX/XX/XXXX went to bank after not receiving deposit and was unable to resolve the issue, no one knew the status of case. Asked for other getting money back or checks mailed- was told they can't do it, but theyhey resubmitted case again with " urgency ''. 
XX/XX/XXXX deposit still not processed. 
Can't get the money processed, can't get the checks back.

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 2024-04-04 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: UT

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 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: IL

Complaint narrative:
In accordance with the fair credit report, an act XXXX XXXX XXXX account # XXXX has violated my rights. 

15 u.s.c 1681section 602 A. States i have the right to privacy.

15 u.s.c. 1681 section 604 a section 2 It also stays a consumer reporting agency. Can not furnish an account without my written instructions. 

I didnt give them written instructions.

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 2024-04-04 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: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-04 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: WV

Complaint narrative:
I did not authorized these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: NC

Complaint narrative:
recently i checked my experian credit profile and noticed Experian has merged my profile with someone else 's with a similar first and last name. I've requested Experian to remove that name from my profile, but they refuse, i requested to have one name, one address and one date of birth on my profile but i was told by experian customer service it cant be done. I have been a victim of identity theft and do not want a similar name or variations on my credit profile. my social security, my birth certificate and my state issued id only has my born birth name.

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 2024-04-04 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: AR

Complaint narrative:
I had a car that was impounded during a snow emergency in XXXX DC while I was traveling internationally. It was technically a repossession because the creditor had to pick the car up. The repossession occurred XX/XX/XXXX and i picked up the car XX/XX/XXXX. The car was paid off XX/XX/XXXX. The repossession comments are still being sent to the credit reporting agencies even though this was over 7 years ago now.

Company response to consumer: Closed with non-monetary relief