vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-06 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: DE

Complaint narrative:
I am writing to formally dispute multiple credit inquiries on my credit report within the past month. According to my records, there have been multiple inquiries made on the following dates : XXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/year> XXXXXXXX XXXX  XXXX XXXX Inquiry date XX/XX/year> XXXX XXXX  Inquiry date XX/XX/year> XXXX XXXX XXXX Inquiry date XX/XX/year> XXXX XXXX XXXX Inquiry date XX/XX/year> XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX  XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/year> XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX  Inquiry : XXXX. XXXX XXXX XXXXXXXX XXXX XXXX  Inquiry : XXXX. XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically Section 604 ( 15 U.S.C. 1681b ), a creditor must have a permissible purpose to access a consumer 's credit report. I did not authorize any company to make these inquiries, nor did I apply for credit with these companies on these dates. 

I am requesting that you provide a detailed explanation and evidence of my authorization for these inquiries. If you are unable to provide this documentation, I ask that these inquiries be removed from my credit report immediately. 

Additionally, I am notifying the credit reporting agencies of this dispute and requesting an investigation into these unauthorized inquiries. 

Thank you for your prompt attention to this matter. I expect a response within 30 days, as required by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
At XXXXXXXX XXXX, I received an email from XXXX XXXX  informing me about a hard inquiry on my credit report. I checked my credit report and it states that SYNCB/Sams Club ran a hard inquiry. 
I have been at work all day, there is camera proof of myself at work. 
I submitted a dispute with XXXX as an unapproved inquiry. 
I then attempted to call my local Sams club to get information about the hard inquiry. But there was no answer after calling 5 times. I called the customer service number ( XXXX ) and I was told they had no record of this. So Sams club customer service transferred me to Synchrony Bank. The reference number for this call is # XXXX With Syncrony Bank , after confirming my information, I was told they had no record of me for a hard inquiry. I went over the same information. They said it was on XXXX to fix. The reference number for this call is # XXXX I then called XXXX. And they confirmed that there was a hard inquiry done at Sams Club with synchrony bank. And I was advised to file a fraud claim on this. 
My credit score has been impacted because of this situation.

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 2024-08-06 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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 2024-08-06 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 am writing to express my profound disappointment, anger, and disbelief regarding your handling of the fraudulent accounts that has appeared on my credit report. Despite my numerous attempts to resolve this issue and my diligent submission of all required documentation, including the FTC Identity Theft Report, this fraudulent accounts remains unresolved, and my credit report continues to reflect inaccuracies that are severely impacting my financial standing and peace of mind. 

I brought these fraudulent accounts to your attention because I was assured that an investigation would be conducted, and the accounts would be removed if found to be fraudulent. Since then, I have written multiple letters and provided all necessary documents, including : A detailed explanation of the fraudulent accounts. 
The completed FTC Identity Theft Report. 
Copies of my identification documents. 
Any additional information requested by your office. 

Despite my compliance and the clear evidence presented, I am deeply frustrated to find that my efforts have been in vain. The accounts in question remain on my credit report, and I have not received any satisfactory resolution or clear communication regarding the status of your investigation. 

It is disheartening to experience such neglect and lack of responsiveness from an institution that plays a crucial role in safeguarding consumer financial information. The continued presence of this fraudulent account is not only unjust but also a severe breach of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX 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 2024-08-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services
State: GA

Complaint narrative:
For the months of XXXX and XXXX, XXXX is reporting XXXX, however payments were made on XXXX and XX/XX/year>, neither of these payments are over 30 days late so it needs to be reported with a check on those months and pays as agreed as opposed to XXXX. This inaccurate reporting is hurting my credit score and hindering my ability to trade the vehicle. Attached I have documentation verifying payments being made. I simply request that XXXX update the balance and the months in question to pays as agreed to the 3 credit bureaus. Correct balance is {$81000.00} they are reporting {$82000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: PA

Complaint narrative:
My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXX 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 in those account to be removed.

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.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Delete the late payments from my consumer 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 2024-08-06 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: PA

Complaint narrative:
My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX  XXXX 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 in those account to be removed. 

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. 


( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


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! 

Delete the late payments from my consumer 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 2024-08-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Have not received my XXXX points to my Spirit airline account despite charging more than than the minimum required {$1000.00} to their Spirit sponsored BofA credit card within 90 days. I've had 2 contacts with Spirit airline reps who promised to resolve the issue without any results.

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 2024-08-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amscot Corporation
State: FL

Complaint narrative:
I'm not able to pay this debt off now. This debt is bringing my credit score down. I am injured and currently not employed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CHARLES SCHWAB CORPORATION, THE
State: FL

Complaint narrative:
I sent a XXXX payment of {$850.00} to XXXX to rent a room she kicked me out for talking to much. Charles refused to give me my money or protective my money from someone doing rental scams

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: FL

Complaint narrative:
Subject : Complaint Against EQUIFAX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$1500.00} I have previously disputed the accuracy of this charge off account with EQUIFAX and provided evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: FL

Complaint narrative:
Subject : Complaint Against EQUIFAX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ).

Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$1500.00} I have previously disputed the accuracy of this charge off account with EQUIFAX and provided evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: CA

Complaint narrative:
I have been victim of identity theft since XXXX. Around mid XX/XX/XXXX, it happend to me again, and I checked all my credit reports and disputed with Equifax regarding hard inquiry dated XX/XX/XXXX XXXX XXXX XXXXXXXX  : My 1st distpute conf # XXXX and result back to me that hard inquiry is factual record, no remove, and told me to contact directly XXXX XXXX. 
I tried again with 2nd dispute conf # XXXX, and also at the same time, I contacted XXXX XXXX by mail to address my issue per Equifax requested me to deal with XXXX XXXX. Then I was back and forth with XXXX XXXX XXXX I also sent XXXX XXXXXXXX police report ) and finally the bank sent me mail cofirmation letter dated XX/XX/XXXX that they requested Equifax to remove inquiry for XX/XX/XXXX from my credit file besides Equifax confirmed fraud inquiry has been deleted. After that, I cheked credit report and do not see this hard inquiry. 
Until XX/XX/XXXX, I logged in to check the report, and I see hard inquiry XX/XX/XXXX appear again on my credit file. I called 3rd dispute with Equifax conf # XXXX for the same issue, and they sent me letter mail stated this inquiry is factual record again, and their investigation respone letter has no change since my 1st and 2nd disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-08-06 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:
I have sent many prior requests to your company to reinvestigate several inquiries that I believe to be incorrect on my credit report. Arent you required to complete these investigations within 30 days of receipt? I have heard of companies pulling peoples credit without permissible purpose and I have yet to see verification of those purposes provided by your company. I will once again list the inquiries in need of investigation : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 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 am writing to express my profound disappointment, anger, and disbelief regarding your handling of the fraudulent account that has appeared on my credit report. Despite my numerous attempts to resolve this issue and my diligent submission of all required documentation, including the FTC Identity Theft Report, this fraudulent account remains unresolved, and my credit report continues to reflect inaccuracies that are severely impacting my financial standing and peace of mind. 
I brought this fraudulent account to your attention because I was assured that an investigation would be conducted, and the account would be removed if found to be fraudulent. Since then, I have written multiple letters and provided all necessary documents, including : A detailed explanation of the fraudulent accounts. 
The completed FTC Identity Theft Report. 
Copies of my identification documents. 
Any additional information requested by your office. 

Despite my compliance and the clear evidence presented, I am deeply frustrated to find that my efforts have been in vain. The accounts in question remain on my credit report, and I have not received any satisfactory resolution or clear communication regarding the status of your investigation. 

It is disheartening to experience such neglect and lack of responsiveness from an institution that plays a crucial role in safeguarding consumer financial information. The continued presence of this fraudulent account is not only unjust but also a severe breach of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 

XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 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: FL

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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 in to paid as agreed to be removed. 

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

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! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation