vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-06 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: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I requested The original creditor 's name and address.

The amount of the alleged debt.

Verification that they are licensed to collect debts in my state.

A complete account history, including all charges and fees.

The original wet ink signature of this alleged debt contract.

( FCRA ), 15 U.S.C. 1681 et seq., is Federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agency. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports.

( code of civil procedure 337 ) The alleged debt is reported from XX/XX/2009. 
This alleged debt is hindering my ability to find affordable housing. Also they are violating 15 USC 1692c.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 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: GA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-04-06 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: GA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 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:
This account XXXX XXXX is not mine is supposed to be deleted off my credit report from numerous disputes. It keeps appearing up and now its popped up and said the first day of the delinquency was XX/XX/2024. This is theory for the information reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: AL

Complaint narrative:
Didn't expect all the charges and the interest rate was insane

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 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: CA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-04-06 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: GA

Complaint narrative:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX AUTO XXXX Balance : {$18000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX  ( Original Creditor : XXXX BRINKS XXXX XXXX ) XXXX Balance : {$1100.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX  XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} 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 non-monetary relief
Consumer complaint received 2024-04-06 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: GA

Complaint narrative:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-04-06 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-04-06 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Over the past year, I have faced significant challenges with Synchrony Bank regarding their failure to verify my identity, leading to unresolved issues and the unjust handling of my accounts. 

Initially, Synchrony Bank informed me that they could not verify my identity. Following their directions, I completed and submitted the required verification form. When no progress was made for several months, I reached out for an update, only to be told to resubmit the form I had already provided. In an effort to comply with their requests and resolve the issue, I submitted additional documentation, including copies of my Social Security card, drivers license, passport, and utility bills, accompanied by numerous letters explaining my situation. 

Despite these extensive efforts and multiple phone calls aimed at rectifying the issue, I was later informed that I still owed a balance on accounts that were being closed due to the banks ongoing claims of being unable to verify my identity. This situation is particularly troubling as it implies an obligation on my part to settle balances on accounts associated with an identity that Synchrony Bank insists it can not confirm. 

This protracted ordeal has not only caused considerable distress and inconvenience but has also negatively impacted my financial standing. I am seeking the CFPBs assistance in achieving a fair resolution, which would require Synchrony Bank to acknowledge my diligent attempts at verification, clarify the persistent issues surrounding identity verification, and correct any inaccuracies regarding the supposed balances on accounts. 

How Synchrony bank claim I owe them a balance when they can not identify 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 2024-04-06 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: CA

Complaint narrative:
I requested The original creditor 's name and address. 
The amount of the alleged debt.

Verification that they are licensed to collect debts in my state.

A complete account history, including all charges and fees.

The original wet ink signature of this alleged debt contract.

( FCRA ), 15 U.S.C. 1681 et seq., is Federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agency. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports.

( code of civil procedure 337 ) The alleged debt is reported from XX/XX/2009. 
This alleged debt is hindering my ability to find affordable housing. Also they are violating 15 USC 1692c.

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 2024-04-06 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: CA

Complaint narrative:
I requested The original creditor 's name and address. 
The amount of the alleged debt.

Verification that they are licensed to collect debts in my state.

A complete account history, including all charges and fees.

The original wet ink signature of this alleged debt contract.

( FCRA ), 15 U.S.C. 1681 et seq., is Federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agency. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports.

( code of civil procedure 337 ) The alleged debt is reported from XX/XX/2009. 
This alleged debt is hindering my ability to find affordable housing. Also they are violating 15 USC 1692c.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Abrahamsen Gindin LLC
State: NY

Complaint narrative:
On XX/XX/XXXX I PAID {$190.00} & on XX/XX/XXXX I PAID {$800.00} directly from my Bank to XXXX. Around XXXX of XXXX a judgment was made with the County Clerk. I had been trying to figure out what happened to the 2 payments that I made XX/XX/XXXX & XX/XX/XXXX but I could never get any answers. No one seems to have any answers. I called XXXX they won't communicate with me saying it's a Collection Issue and provide me with no answers. I was trying to deal with Forster & Garbus for years and they gave me a hard time. I decided to just Pay what they claim I owe even though No One has Answers for me regarding the previous Payments Not Accounted for which is very confusing. 
I completely PAID off the Judgment with the last Payment of {$970.00} which I made on XX/XX/XXXX through the Collection Agency FORSTER & GARBUS Website payfgny.com but I have still not received any notice in the mail nor has the County Clerk received a Satisfaction of Judgment. I have tried to call Forster & Garbus several different times, it is very complicated to get through but when I have, leaving voicemails as well as recently a secretary taking my callback info but I have still not heard back from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/year> I filed a complaint with cfpb ( complaint # XXXX ) regarding an unauthorized credit inquiry from multiple finance companies at XXXX XXXX XXXX XXXX XXXX. On XX/XX/year>, they ran my credit without my permission, and I was not interested in purchasing a vehicle nor co-signing for anyone. I was with a family member who had a pre-approval letter from his personal bank, XXXX XXXX, which was presented to the salesman and was verified by his finance manager. The salesman said they needed a contact person 's information for backup. So, I gave him my ID. He and his manager took it upon themselves to run my credit as if I was going to co-sign for my son. All this happened on XX/XX/year>. At least a week later, I decided to check my credit report, as I do on a regular basis, and noticed that I had 5 hard inquiries. I was devastated. Once I figured out what had happened, I contacted the dealership, and they told me they could do nothing and it will come off in 2 years. They missed the whole point. I never applied for credit with any of them, and they definitely did not have my permission to do so. l never filled out anybody 's credit application nor did I sign anything. The five finance companies who unlawfully ran my credit without permission were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The action has tainted my credit in a negative way. 15 U.S.C. 604 A section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681 states that in accordance with the Fair Credit Reporting Act, these creditors have violated my federally protected consumer rights to privacy and confidentiality.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 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: TN

Complaint narrative:
Attempted to pre-qualify for financing for a house but was told that my credit was not good enough and they showed me an account that was on it that wasn't mine

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 2024-04-06 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: MI

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 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 2024-04-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was sent a trial payment notice which started on XXXX XXXX for {$2500.00}. I sent it off on time, my next trial is due on XX/XX/XXXX, which is alre in the mail. I received an urgent notice of acceleration of mortgage loan payment due in full dated XX/XX/2024 for {$1100.00}. From my Knowledge of the statement dated XX/XX/2024 from XXXX third it stated to pay the amount on the last page which is the trial payment amount because we are participating in a special pending loan modification repayment plan. I am confused as to why I received this notice and I need help I dont understand I dont want to lose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 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.

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-04-06 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: NY

Complaint narrative:
I sent a letter last XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX, XXXX, NY, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} U S DEPT OF EDXXXX XXXX Balance : {$7600.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXX Balance XXXX {$2900.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-04-06 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:
I sent a letter last XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} U S DEPT OF EDXXXXXXXX XXXX Balance : {$7600.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2900.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 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: GA

Complaint narrative:
My name is XXXX 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