vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-21 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:
To Whom It May Concern, I am writing to formally dispute the inaccurate and misleading information that XXXX has reported to the credit bureaus regarding my student loan account. Specifically, my credit report reflects inconsistent and inaccurate late payment reporting, in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) and the Fair and Accurate Credit Transactions Act ( FACTA ).

1. Violation of Accuracy Requirements ( FCRA 623 ( a ) ) Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of credit information must ensure that the data they report is accurate and complete. However, my XXXX loan account reflects : Payments reported as current one month, then jumping to 90 days late the next without a proper progression ( i.e., 30, 60, then 90 days ). 
Inconsistent reporting that does not reflect the reality of my payment history. 

This constitutes inaccurate credit reporting, which is strictly prohibited under the FCRA. Any misrepresentation of my payment history can result in legal liability for XXXX. 

2. Failure to Notify Before Reporting Negative Information ( FCRA 623 ( a ) ( 7 ) ) Under 15 U.S.C. 1681s-2 ( a ) ( 7 ), XXXX was legally required to notify me before reporting any negative information. However, during the time period in question, I was incarcerated and unable to receive any such notification. Because I was not given a fair opportunity to address or dispute these late payments before they were reported, this constitutes a violation of my rights under the FCRA. 

3. Incorrect Late Payment Reporting and Consumer Protections ( FCRA & FDCPA ) According to 15 U.S.C. 1681c ( a ) ( 5 ), negative information should be reported fairly and accurately. Additionally : Late payments can not be reported arbitrarily or inaccurately in a way that misleads lenders. 
If a servicer reports payments inconsistently ( e.g., skipping from current to 90 days late ), this is a form of inaccurate furnishing of credit information, which is subject to dispute under FCRA 611 ( 15 U.S.C. 1681i ). 

4. Request for Immediate Correction Based on the above violations, I demand that XXXX : Correct and remove any inaccurate late payment history associated with my account. 
Provide proof that XXXX accurately reported my payments and notified me in compliance with federal law. 
Immediately update the account to reflect an accurate and complete history as required under FCRA 623 ( a ).

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history 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 to be 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. 


TRANSUNION 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! 


Update 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 non-monetary relief
Consumer complaint received 2025-02-21 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2025-02-21 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: IL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Service International Corp
State: WI

Complaint narrative:
I have reached out to this company numerous times to resolve this mystery with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I " auto-pay '' my monthly minimum balance by allowing Synchony to pull from my checking account. Originally, it was set up using the routing number and account number. This has worked for over a year, and my account is in good standing. Never missed a payment. 

On XX/XX/year> - using Synchrony 's online payment I attempted to pay off the balance of my card by entering the routing number and account number from my savings account. Same bank, same routing number, same account with a different suffix indicating that it was savings not checking. 

Synchrony had a message that the payment was successfully posted, and took over 5 days with a " processing '' notification. I received a " thank you for your payment '' email. 

On XXXX XXXX XXXX  - I was charged a {$30.00} XXXX XXXX XXXX XXXX XXXX  No other explanation. Money was never withdrawn from my savings account, and I received no error or overdraft notice from my bank. According to my bank, the transaction never happened. 

XX/XX/year> - I attempted to dispute the charge through their online chat. I was told that the charges could not be reversed and that the {$30.00} was charged as the payment was due to an unsuccessful transaction on Synchrony 's end as they " could not locate the account ''. I asked for written evidence of the error transaction and it was not given. The online chat session did not offer a way to save the conversation. {$30.00} is an excessive " junk fee '' for a " returned check '', no check was sent or received, it was all electronic. No errors, no evidence of a failed transaction, just a fee. Synchrony will not reverse the charge, nor will they give me a way to escalate or appeal. I am reporting it here. 

I

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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 recently reviewed a copy of my credit report and noticed that there are fraudulent accounts listed. These accounts were not opened by me and are negatively impacting my ability to obtain credit. 

I kindly request that these fraudulent accounts be investigated and removed from my credit report. Please let me know if any additional information or documentation is required to process this request. 

Thank you for your prompt attention to this matter. I appreciate your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 explanation
Consumer complaint received 2025-02-21 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: FL

Complaint narrative:
I do not recognize these credit inquiries and requested that they be deleted and the agencies have not done so. I attached the report requesting that they be deleted.

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 2025-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: MS

Complaint narrative:
Unknown date Missouri Higher Education Loan I had no knowledge of this loan. I never attended Missouri Higher Education. I am disable and suffered from XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Opportunity Financial, LLC
State: MS

Complaint narrative:
I have dispute this before, and it was removed from my credit report. The information report is incorrect, I was under bankruptcy and did not apply for a loan in XX/XX/year>. The information being reported is inaccurate. They keep reporting that I owe them, but the information is not true

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has documented Equifaxs repeated failures to conduct proper investigations into consumer disputes, even facing legal action for violating the Fair Credit Reporting Act ( FCRA ). This track record of non-compliance is unacceptable, and I will not allow my credit profile to be affected due to negligence or misconduct.

Federal law ( 15 U.S.C. 1681i ) is clearEquifax is required to conduct a thorough reinvestigation of any disputed information within 30 days. Any data that can not be verified as 100 % accurate must be deleted from my report immediately. I am demanding that these errors be addressed without delay, as their presence is directly harming my financial standing. Non-compliance will not be overlooked.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Transform Credit Inc.
State: VA

Complaint narrative:
The company obtained personal information and used the personal information to solicit to other lenders without authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/year>, I opened a new bank account online at Fifth Third Bank and was able to access it. I was admitted to XXXX XXXX XXXX on XX/XX/year> due to a medical emergency and attempted to open my account, but was informed that it was locked. I made an effort to contact the fraud detection department by explaining my situation, including my XXXX  and desire to access my account. They advised me to contact a nearby branch. I instructed my son to visit a nearby branch to express my desire to reach them via phone, video call, or any other method to request that they unlock my account. My son was instructed by the banker on XX/XX/year> to submit all my ID proofs on my behalf, and they acknowledged my uncertain situation and will aid me in unlocking my account. Both my son and I kept calling the branch and fraud department for assistance, but they kept responding. They will help us soon. The banker informed my son on XX/XX/year> that your father must be present at the branch to access this bank account. 

I asked them via phone if they could verify my identity using any other method, as I am currently in the ICU at the hospital and unable to physically go to a bank. The banker responded to me that we need your physical presence at the bank to grant you access to your account. Otherwise, we will close your account within 30 days and send you a check of whatever amount you have with the bank. Accessing my funds and bank account at Fifth Third Bank was restricted due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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 am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section XXXX ( B ) regarding the reinsertion of previously deleted material into my credit file without proper certification of accuracy and notification to the consumer as mandated by law. There is a fraudulent credit card by XXXX XXXX XXXX ( PARTIAL ACCOUNT NO : XXXX .... ) was opened under my name without my knowledge and I am asking to block and delete this fraudulent account because I have no knowledge about this account. It is a fraudulent account.

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 2025-02-21 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: CA

Complaint narrative:
I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section XXXX ( B ) regarding the reinsertion of previously deleted material into my credit file without proper certification of accuracy and notification to the consumer as mandated by law. There is a fraudulent credit card by XXXX XXXX XXXX ( PARTIAL ACCOUNT NO : XXXX .... ) was opened under my name without my knowledge and I am asking to block and delete this fraudulent account because I have no knowledge about this account. It is a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute a hard inquiry on my credit report. I believe this inquiry 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 explanation
Consumer complaint received 2025-02-21 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: WI

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: GA

Complaint narrative:
I am writing to formally notify you that I am a victim of the recent data breach, and I am requesting that all accounts related to my personal information be blocked and deleted in accordance with 15 USC 1681c-2 ( a ), as outlined under the Fair Credit Reporting Act. Due to the breach, my personal data may have been exposed, and I am concerned about potential misuse of this information. Therefore, I respectfully request that you : Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} INQUIRY XXXX : XXXX on XX/XX/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 2025-02-21 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: TX

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

Company response to consumer: Closed with explanation