vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-25 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: SC

Complaint narrative:
Experian failed to verify if information shared about me is accurate. I have mailed my correct information via mail and have also disputed verbally and online and my info still remains inaccurate. They have told me that it's updated and sent confirmation but have not updated my report this had been going on since XX/XX/year>. I have yet to see updates. They removed two incorrect addresses on my account along with my actual correct address and failed to let me know that they removed my address with it i have a copy of my report before this all happened and they had the correct current address. They told me that I requested to have it removed however I asked to have two addresses that were not mine removed my name is also incorrect they failed to make my report accurate

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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LOBEL FINANCIAL CORPORATION
State: NV

Complaint narrative:
On XX/XX/2024 I sent company letter requesting certain certified documents related to alleged account to be mailed and this information was requested in good faith pursuant rule 1002 and it was never provided. I also called regarding alleged account to be investigated while speaking with to the back office assist team through portal I express my rights to opt out of all authorizations per the fair reporting credit act as a federal protected consumer which i am and that I may have given to you in writing, unwritten, verbal or non-verbal for sharing my nonpublic information to third parties to opt out. Sec. 15 U.S.C 6802 - Obligations with respect to disclosures of non-personal information. It is ILLEGAL for creditors to report late payments 15 U.S CODE 1681. LOBEL FINANCE never sent certified documents along with the disclosures from section 1637 ( b ). This is unfair, illegal, fraudulent, and not equitable to me as a consumer! ATTACHED Consumer FTC report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have been making payments on a computer laptop I purchased from Conns XXXX for the past two years as agreed. The initial amount of the purchase was {$1500.00}. In XX/XX/2024 the statement balance was {$670.00} to pay off. Since then, I kept making payments and have never been late. Then, on the XXXX statement dated XX/XX/2024, I received a new balance of {$1400.00}, and I had been paying and had never stopped making payments for the past two years. How come I still owe the same amount I purchased the Laptop? I believe that without the Dubious interest charged, I should have called up on this payment. I have attached two statements showing how much I owed on XXXX XX/XX/2024 vs XX/XX/2024 statements.

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 2024-11-26 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: NV

Complaint narrative:
After reviewing my credit report, I am NOT responsible for these fraudulent accounts and inquiries. Someone stole my identity and generated fraudulent accounts and inquiries in my name. These accounts and inquiries are fraudulent, damaging my credit score, and should not be furnished on my consumer report as they are in VIOLATION!!!

Under 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) by the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the unauthorized accounts and inquiries listed IMMEDIATELY!

15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) 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 15 USC 1681 ( a ) ( 2 ), any consumer reporting agency may furnish a consumer report and no other : By the written instructions of the consumer to whom it relates.

15 U.S.C 1666b ( a ) A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

I request your company to provide verifiable documentary proof ( original consumer contract or similar proof bearing my wet ink signature on it ) that you have on file of accounts/inquiries/information listed below. Under the FCRA, you must remove all unverified, invalid, derogatory accounts/inquiries/information from my consumer report if you do not provide documented and verifiable proof. 

The consumer report that was prepared under my social security number by XXXX is reporting inaccurate information, which is a violation of The Fair Credit Reporting Act. 

Ive listed the following inaccurate information below from my Experian Consumer Report that must be removed.

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 2024-11-25 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: GA

Complaint narrative:
My identity was stolen from years back. I no longer have access to my social after it being stolen. The time my social was stolen is the time the fraudulent activities started to happen with me. It has been very hard for me to get anything in my name after my identity got stolen and credit profile was down the drain. I had no access to my credit or identity. I am finally in the act of making a report and being able to get a recovery plan. I am asking that you guys please help me recover my identity back. Please remove all these fraudulent items from my report. I am asking that you guys help me be able to have access to my identity. I don't have a physical copy of my social that's why i provided you guys with the information listed below. Please Transunion help me figure this out. Help me gain access to my report. This isn't fair to as I face challenges in my life after having two major loses and not being able to do for myself financial because a suspect decided to ruin my life by taking my identity. Review the following files below the letter is just showing proof of my current address where everything can be sent to me. I've provided more detailed files where you can see I have shown proof of identity.

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 2024-11-25 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: GA

Complaint narrative:
There are accounts on my credit report linked to ongoing litigation, which are currently unresolved.

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 2024-11-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
On XX/XX/year>, my Mortgage company, Newrez, discovered a surplus in my escrow account of {$4300.00}. Of my understanding is correct 12 CFR 1024.17 states that any discovered surplus must be dispersed within 30 days. 

On XX/XX/year>, I received my statement and it showed {$4300.00} removed from my escrow account however I had not received it yet. 

On XX/XX/year>, I called and spoke with Newrez. The women I spoke with told me the surplus would be transferred to my checking account by XX/XX/year>. 

On XX/XX/year>, I called Newrez again because I had not received the surplus. This time I informed them of 12 CFR 1024.17 and reminded them it was three weeks past the 30 day limit. The gentlemen told me I would revive the surplus in 24-48 hours. This was 4 days ago and I still havent received it.

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 2024-11-25 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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2024-11-26 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 recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Moneytree Inc
State: NV

Complaint narrative:
Summary of Complaint : I, XXXX XXXX, am the court-appointed guardian of my XXXX XXXX XXXX XXXXXXXX XXXX XXXX A {$150000.00} check was issued to me as " XXXX XXXX XXXX XXXX XXXX XXXX for funds intended to support XXXXXXXX XXXX XXXX. Despite presenting valid court documentation proving my guardianship, Moneytree , Inc. refused to allow me to cash the check. Instead, they facilitated the disbursement of funds directly to XXXX XXXX, who is legally incapacitated and unable to manage her own finances. 

This action : Violated a court order granting me guardianship. 
Exploited the vulnerability of an incapacitated person. 
Resulted in financial loss and mismanagement of {$150000.00}. 
As a result, I have been unable to fulfill my duties as guardian and have endured significant financial and emotional distress due to Moneytrees negligence and failure to act in accordance with Nevada laws, including protections for vulnerable adults and regulations surrounding financial transactions. 

I seek restitution for the {$150000.00}, damages for interest and financial harm caused, and accountability for Moneytrees failure to follow proper procedures. 

I have sent a demand letter to recover funds with added intrest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian Credit Reporting Agency has sent several result letters stating that they've investigated the accuracy of the XXXX XXXX XXXX and they're stating on the results letter that they've verified through third party XXXX XXXX which I don't understand how this is feasible since I have a security freeze on my credit report since XXXX Please explain how my information is being communicate without my knowledge as no one from XXXX XXXX has reached out to me for permission to release my information.

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 2024-11-25 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: IL

Complaint narrative:
Acct # XXXX Reporting From XXXX For A Balance Of {$370.00} Is Reporting To All 3 CRA incorrect According To FRCA 15 us code 1681 No Transcactions or experiences are allowed to be on a consumer credit report Income is forbidden to be on a consumer report

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 2024-11-25 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: IL

Complaint narrative:
Acct # XXXX Reporting From XXXX For A Balance Of {$370.00} Is Reporting To All 3 CRA incorrect According To FRCA 15 us code 1681 No Transcactions or experiences are allowed to be on a consumer credit report Income is forbidden to be on a consumer report

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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-11-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Cordoba Legal Group, PLLC.
State: NY

Complaint narrative:
I received a call from this company ( someone named XXXX XXXX in XXXX, 2024 and they offered me a debt resolution stating that the first thing they will do after starting working with me is that they will contact my loan company and extend my terms to get me out of " past due '' status. Before dealing with them I was a good payer, never had any missed payments but they assured me that I will pay less if I sign up with them saying I should stop making my monthly payment to the loan, pay them and they will deal with my loan company. 3 months later, I was past due on my both loans ; they did nothing at all about my first loan and they only partially consolidated my second loan. They charge me {$380.00} every month and only pay about {$220.00} toward my loan. I keep contacting them to send me a response/update in writing but they say they will only do verbal contact and they will not speak if they are being recorded. I should also mention that before dealing with XXXX, I dealt with XXXX, had the same problem ( became past due on my loans ), and, therefore, when XXXX called me, they said they will fix my " past due '' status and make my payments less, I should cancel XXXX and sign up with them. They made the whole thing even worse! 
This problem still exists, nothing changed. I tried to complain to XXXX of NY- they were not able to help me and referred me to you ( their letter is included ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: NY

Complaint narrative:
I am following up on disputes initially filed on XX/XX/XXXX ( CFPB complaint # XXXX ), and XX/XX/XXXX ( CFPB complaint # XXXX ), regarding inaccurate accounts on my credit report. These accounts, including DepEdXXXX  and U.S. Department of Education accounts, remain unresolved despite prior investigations. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, 1681s-2, and 1681e ( b ), you are obligated to ensure the maximum possible accuracy of reported information and to delete unverifiable or inaccurate data promptly. Your failure to act demonstrates noncompliance, violating my federally protected rights, as emphasized in XXXX XXXX XXXX XXXX XXXX XXXX 

attached : credit reports letter to Experian

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 2024-11-25 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: CA

Complaint narrative:
On XX/XX/year> I received a letter from XXXX XXXXXXXX XXXX, which is a debt collector for a debt that was owed to XXXX XXXX XXXX XXXX This letter states that as of XX/XX/year> the balanced owed to XXXX XXXX XXXX was {$270.00}. It also states that I the consumer either paid or was credited {$250.00} to XXXXXXXX. When They totaled the amount of debt owed now they did not subtract the {$250.00} credited/paid amount from the original amount owed of {$270.00}. Instead they added the credit and the amount owed and is now incorrectly reporting that I owe {$520.00}. According to 15 U.S.C 1681 ( part of the Fair Credit Reporting Act, I the consumer can dispute information on my credit report if I believe it is inaccurate, and the consumer reporting agency must then investigate and correct the information if found to be incorrect. I am asking that this account with XXXX XXXX XXXXt either be deleted for reporting inaccurate information.

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