vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-08 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/XXXX I made a payment on my care credit card. I pay the same way every time I pay. This time my payment was for {$1200.00}. I have been paying with the same bank account ( dont have to enter the information on the app its saved ) since XXXX of XXXX. Back in XXXX of XXXX my bank account had been hacked and was closed and a new one opened. Ever since then my payments have been coming out of the new account, so for the last 2 years. Synchrony ( owns care credit ) had been using my new account and they are trying to tell me that the {$1200.00} tried to come out of my old account. I dont have the ability to change the payment unless I am adding a new payment. They also closed my discount tire card after I had just paid it off. I have never made late payments or had any issues until now. They are telling me that even though the admit it was their fault they NEVER reopen account. I am a single mom and this car is used for our XXXX XXXX  dogs. Like when my daughters XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and it was {$6000.00} to be removed or he would die. It has put so much stress on me that it has put me in the hospital and I have lost my job because of being out of work for so long. Im on XXXX XXXX XXXX meds to help but its not working. I have other credit cards and I have never had an issue with any of them. Synchrony also closed my discount tire card after I had just paid it off. They refuse to open it back up even though there has never been an issue with it. They keep telling me once they close a card they never open them back up. I have the proof of most of the payments ( the ones I could find ) that I will attach. If nothing comes from this I will be taking them to court.

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 2024-04-08 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
These companies are reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and all other documents so I may review to see if this is actually an account that belongs to 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 non-monetary relief
Consumer complaint received 2024-04-08 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: FL

Complaint narrative:
To whom it may concern : According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct.I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose.If it is not, I want it removed from the report.I authorize you to take steps to correct my credit and send me physical proof of your actions. 

Attached you will see the document

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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: FL

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-04-08 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.

Complaint narrative:
Experian keeps violating my rights as a consumer under 15 U.S. Code 6802, 15 U. S. Code 1681B I could go on and on! Ive been in contact with them so many times sent out multiple disputes and nothing was changed. I even ask for them to provide me the way they verified an account ( proof of verification ) and nothing is or has been provided shaking my head! I filed a FTC report because these items that are reporting on my credit report shouldnt be there and I have not given WRITTEN ( WRITTEN ) consent to report anything on my credit report! Also I even give them 30 days to provide me this information as I do have 30 days for an investigation to be complete but, but what is always happening they dont provide it to me in that case any account should be deleted but they dont do that. Experian also has different variations of my name and I only have 1 way of my name spelling! Also Experian has multiple address and variations of addresses that I do not live at like this is frustrating the credit agencies are not complying with the law that are set in place for us consumers even them they are consumers that are human! And I have derogatory accounts that I did not give consent to the creditors to report like what is all of this violating my rights in all way shape or form!

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 2024-04-08 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: NE

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It 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 2024-04-08 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: VA

Complaint narrative:
I am reaching out once again regarding the ongoing dispute concerning the collection account reported by your agency. It is concerning that despite my repeated communications, this account remains unverified. How many times must I reiterate that this is not verified? This situation is incredibly unfair and damaging. 

XXXX XXXX ( Original Creditor : XXXXXXXX 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 2024-04-08 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:
Per the Fair Credit Reporting Act ( FCRA ), as delineated in 15 USC 1681 section 602 ( a ), it is emphasized that consumer reporting agencies must execute their significant responsibilities with fairness, impartiality, and a profound respect for the consumer 's privacy rights. XXXX, XXXX, XXXX XXXX XXXX, and Experian, being consumer reporting agencies, hold this obligation. As a federally protected consumer, I have the right to safeguard my private information, as reinforced by 15 USC 6801, which underscores the Congressional policy of ensuring financial institutions respect customer privacy and safeguard nonpublic personal information. 

Furthermore, entities providing information to credit agencies, categorized as financial institutions under this statute, are bound by 15 USC 1681 section 604 ( a ) ( 2 ), requiring consumer reporting agencies to furnish consumer reports solely in accordance with the written instructions of the concerned consumer. XXXX, Experian, XXXX, XXXX XXXX XXXX, and the financial institution furnishing information to credit agencies lack my consent to furnish this information, let alone my written consent and violate their own terms and conditions by sharing information with nonaffiliate. Consequently, any and all consent, whether verbal, non-verbal, written, or implied, to XXXX, Experian, XXXX, XXXX XXXX XXXX, and the aforementioned financial institution is hereby revoked. 

Moreover, 15 USC 6802 ( b ) ( c ) mandates that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed of their right to exercise the nondisclosure option. Regrettably, I have not been informed of this right by the financial institution furnishing information to credit agencies. Additionally, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in consumer reports without authorization. Despite this, the account in question is being reported without my permission, contravening the law. 

Further, 15 U.S. Code 1681s2 ( A ) ( 1 ) dictates that no person shall furnish inaccurate information relating to a consumer to any consumer reporting agency. XXXX, XXXX XXXX XXXX, XXXX, and Experian, therefore, are failing to maintain reasonable procedures to avoid violations of this statute, as required by 15 U.S. Code 1681e. 

Finally, pursuant to 12 CFR 1016.7, I am exercising my right to opt out of your reporting services effective immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AAA Collections
State: ND

Complaint narrative:
They didn't tell me that my evalution i was having done wouldn't be covered at all by my insurance. Also, when I tried to make further appointments they said I would have to redo it because it was XXXX later.

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 2024-04-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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: OH

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH 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 2024-04-08 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: OH

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/2023 XXXXXXXX XXXX XXXX  XXXX XXXX, OH XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts 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 2024-04-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: World Acceptance Corporation
State: SC

Complaint narrative:
SOUTH CAROLINA IS A NON-SPOUSAL STATE. I AM THE ONLY BORROW ON THIS LOAN. THERE WAS A CALL MADE ON XX/XX/year> AT APPROXIMATELY XXXX XXXX XXXX  THIS CALL WAS MADE TO MY SPOUSES CELL PHONE WHO IS ON THE APPLICATION AS A REFERENCE ( NOT A BORROWER ). THE CALLER FROM WORLD FINANCE COMPANY ADVISED MY WIFE THAT THE LOAN WAS DELIQUENT AND DUE FOR 2 PAYMENTS AS OF THE DAY OF THE CALL AND GAVE THE AMOUNT DUE. THIS IS A VIOLATION OF THE FDCPA REGULATIONS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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: TX

Complaint narrative:
I didn't begin these requests, and I'm not associated with any of the loan bosses recorded. If it's not too much trouble, remove them from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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: TX

Complaint narrative:
I am writing to formally dispute the accuracy of information being reported by XXXX XXXX XXXX XXXX on my credit reports with XXXX and Experian. The inaccurate reporting by XXXX XXXX XXXX XXXX has led to significant discrepancies on my credit reports, negatively impacting my creditworthiness and financial standing. 
The account in question, XXXX, was charged off by Experian and XXXX in XX/XX/XXXX. Despite being charged off, the account has been consistently updated as charged off every month since then, leading to a decrease in my credit score on XX/XX/XXXX, with XXXX reporting a decrease of -20 points. The account was charged off XX/XX/XXXX- XX/XX/XXXX then back in good standing XX/XX/XXXX- XX/XX/XXXX ( how is this accurate if the account was charged off ) This is inaccurate. 

It is important to note that a charged-off account should not include a payment history, yet my credit reports reflect a payment history associated with this charged-off account. Furthermore, the credit utilization ratio reported by XXXX and Experian is inaccurately reflecting 121 % utilization. Additionally, there are discrepancies in the reporting of late payments associated with this account. XXXX reports 90-day late payments with inaccurate dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, while Experian reports 90 days late payments with inconsistent dates including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

The inaccurate charge-off reporting by XXXX XXXX XXXX XXXX falsely manipulates the statute of limitations and violates my rights under the Fair Credit Reporting Act ( FCRA ). Despite multiple attempts to rectify these inaccuracies, XXXX and Experian have failed to properly investigate this account, thereby exacerbating the adverse impact on my credit profile. XXXX is even reporting the last activity date for this account to be XX/XX/XXXX which would be inaccurate from the charged off date. 

According to the IRS and unpaid charge off is income and according to the FCRA income can not be report on a credit report. I am requesting a 1099-C ( Cancellation of debt ) from XXXX XXXX XXXX XXXX XXXX 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
On XX/XX/XXXX, I called my credit card company to discuss a settlement agreement for my credit card debt on two Capital One credit cards. A settlement amount of {$710.00} for one card and {$3600.00} for the other card was agreed upon. The payment date was set for XX/XX/XXXX, but I opted to provide my account information that day to pay off and close both cards. I insisted the amounts be debited XX/XX/2024. I gave a routing number and checking account number to the CSR and received two emails on XX/XX/2024 that said they payment was scheduled for XX/XX/2024, and both emails included payment confirmation numbers. On XX/XX/2024 I received another email saying there was a problem with my XXXX checking account and it had been removed. Looking at my account, the payments never came out. I called Capital One to ask them what happened and to debit the payments immediately. I was told that since I called after the payment due date of XX/XX/2024, that they were no longer able to honor the terms of the agreement and that I was responsible for the full amount. I asked for a manager to review the call to confirm the correct account number was used, and was told that they weren't allowed to disclose that information and that there were " no discrepancies '' on their part. I pointed out that I had two payment confirmation emails and was told " that didn't matter. ''

Company response to consumer: Closed with non-monetary relief