vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-20 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: CA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
There are XXXX transactions on my XXXX XXXX XXXX  that I did not do. They are for a small about XXXX XXXX dollar tranctions. Evidence of terrible customer service. Not part of my complaint just being used as evidence. They closed XXXX of my Fortiva accounts and refuse to send me a letter of why they were closed after multiple attempts. Im not sure why they refuse me customer service on fraud report filed on XXXX through chat. They had no record and supposedly refiled it on XXXX. But to me cause a supervisor screwed up not my fault so XXXX is the date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-20 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: GA

Complaint narrative:
My information might have been impacted by the Equifax data breach and may have got into the wrong hands of the wrong person. 
I been receiving emails, phone calls & text messages for over couple years & noticed some accounts on my credit report that i have not opened. I am a victim of FRAUD and its damaging my financial lifestyle. 

I would appreciate for you guys to remove any inaccurate information on my credit report, here is the following in accurate information Equifax : XXXX XXXX XXXXXXXXXXXX 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 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX To Whom It May Concern, I am a victim of identity theft and have enclosed a copy of my identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you remove itens immediate take off the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed from my credit file. 
This not a regular dispute I have filed a complaint with federal trade commission to document being a victim of identity theft. 
Please remove this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the fair credit reporting act. I am requesting that the following fraudulent accounts be deleted from my credit file : Accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Injuries : 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 2024-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank
State: VA

Complaint narrative:
I opened a First Progress XXXX secured card account issued by Synovus bank, XXXX Georgia.XXXX  XXXX I have never used the card. I was required to deposit XXXX . I contacted them as requested with a letter by mail requesting that my address be updated, my account be closed and my XXXX $ deposit be returned. XXXX The only thing they did was update my address. This was many months ago. Since then I tried over and over again to contact them. They do not have a customer service phone number that is funcional. There is no way to reach anyone online. I find this unacceptable and very abusive. I filed a complaint with the XXXX XXXX XXXX to no avail.There are countless complaints on the internet from abused customers like me. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
Subject : Request for Removal of Inaccurate Charge-Off Under FCRA Section 1681 ( e ) ( b ) Dear Sir or Madam, I am writing to formally dispute the inaccurate information that appears on my credit report. Specifically, I am disputing the following account : Creditor Name : WFBNA CARD Account XXXX Date of Charge-Off : XX/XX/year> Amount : {$910.00} The information regarding this account is inaccurate and incomplete. Under Section 1681 ( e ) ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they include in consumer reports. 

I believe that your agency has failed to meet this standard in regard to the reporting of this charge-off. I respectfully request that you re-investigate this matter by contacting the original creditor to verify the accuracy and completeness of this information. If the account can not be verified or is found to be inaccurate, I demand that it be promptly removed from my credit report in accordance with FCRA 1681 ( e ) ( b ). 

Additionally, under Section 611 of the FCRA, credit reporting agencies must investigate disputes within 30 days. If the charge-off can not be verified, the credit reporting agency is required to delete the inaccurate information from my credit report. 

Please send me written confirmation once the investigation is complete and the inaccurate charge-off has been removed. I expect a response within the 30-day period, as required by law. 

Thank you for your prompt attention to 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 explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: MD

Complaint narrative:
I thoroughly cleaned the apartment ( refrigerator, stove, ( XXXX ) bathrooms, floors, and garage ) before the lease expired and was charged a cleaning fee of {$250.00}. I received no notification from the leasing office within the 45-day window. I received a collection letter from I.Q. Data Internation , Inc. DEMANDING to be paid on XXXX XXXX and stated that if the amount were not paid during the phone call, I would be sent to collections the same day. I did not know what was going on, I did not know who was calling me because the rental office said I should hear from them ( XXXXXXXX XXXX XXXXXXXX ) within 45-days of the vacate date ( XX/XX/24 ). I reached out to the office and was given the collections number and stated that I had to deal with them. I expressed that I had photos to verify that the apartment was cleaned thoroughly. I am being charged for a cleaning fee and the apartment was already cleaned. The rental office has pictures as well,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: NC

Complaint narrative:
Atlantic Bay My loan care refuses to ever tell me the status of my Hurricane XXXX forbearance. We can not go into the XXXX due date with Atlantic Bay dragging their feet in doing the paperwork they are required to do by law. What is the status of the forbearance?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: OH

Complaint narrative:
I sent disputes letters to Experian, XXXX, and XXXX. Theres several inaccurate account on all three credit bureaus which I sent on XX/XX/year> Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of of the consumer of who relates I asked the account to be updated, and corrected

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 2024-10-20 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: NJ

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS.

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO
 PRIVACY.

15 C 1681 SECTION 604 A SECTION 2: IT ALSO STATES A
CONSUMER REPORTING AGENCY CANNOT FURNISH A ACCOUNT
WITHOUT MY WRITTEN INSTRUCTIONS

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 2024-10-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA

Complaint narrative:
XXXX - Tried making online payment at Heartland Ecsi. Website informed passkey would be provided on billing statement. The pass key was not on the billing statement. Had to go to a previous email to find the passkey to register the account. Entered the information requested, got to the next screen and was told that the passkey I entered was already registered. Requested information for my user ID since the one that I had just created. I couldnt connect my account to and got a message that the account name was the one that I had just entered not the previous account name that was registered with my passkey. in essence the account name that I got was the name that I had just entered that I couldnt use the passkey to get into my account and make a payment. Then I went online to make a payment. Had trouble finding the XXXX XXXX Heartland ECSI app for the XXXX system. XXXX  for the Heartland ECSI app and download an app several times that was actually for companies or businesses not to make student payments. Went back to XXXX asked for a link for the app and secured the correct link to download the app. Downloaded the link and was told that the app was not available in my country or region tried several times. In addition, these efforts, I had contacted the company by phone trying to make a payment on the phone- unsuccessfully. The message received was that I needed to be transferred to Customer Service which is closed. Was not able to make a payment on the phone was not able to make a payment online and was not able to download the app. Therefore, I had no way of making my payment on time since the mail had not been received yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Applied for Chase Freedom credit card because of XXXX dollar cash back reward offer. After criteria met cash back was not applied. Called twice and finally spoke with supervisor who stated they do not know why it was not applied but could not do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK
State: DE

Complaint narrative:
I recently discovered that fraudulent activities were conducted on my account without my knowledge or consent. As a result, I believe it is essential for the checks system and other reporting agencies to remove the fraud alert associated with my account. This situation not only infringes upon my consumer rights but also violates UCC 9-509, which protects my right to privacy and control over my financial information. The unauthorized sharing of my data by banks and reporting agencies compromises my trust and rights as a consumer. I urge immediate action to rectify this matter and restore my standing. I opp out of all matters

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: LA

Complaint narrative:
I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items, which are only two required Per the Law. I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-10-20 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: IL

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. 

Account name : XXXX XXXX  XXXX XXXX has violated my rights. 

I qualify and had applied numerous times for Public Loan Forgiveness ( PSFL ) and submitted proof of all my employment that qualifies.

I am also eligible for the XXXX XXXX XXXX XXXX XXXX XXXX ) discharge and the debt still remains on my credit report.

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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Summit A*R, Inc.
State: PA

Complaint narrative:
I just noticed for the first time that 2 items appeared on my consumer report looks like XX/XX/XXXX from XXXX rental car. I only rented a car from this company once which was rented on XX/XX/XXXX. All fees were paid at the time of the return of the vehicle. I even confirmed with the rental agent who I did not feel comfortable with because he kept asking me to pay with cash each time that I extended the vehicle. I verified that there were not any charges. When I returned 3 months later with a friend, who was complaining about charges that was on her consumer report, we were informed that the agent that my friend and I both worked with at the rental car place was fired due to him doing illegal things such as stealing money, fraudulent charges on people accounts etc. during the time that this Information was provided to us I did not have anything on my report, now that I do I reached out to XXXX rental car which they stated that the only charge that they see is for {$100.00} which I requested the invoice however, I have a charge of {$100.00} and {$1200.00}. The rental stated that they have no knowledge of this and do not have anyone I can speak to. This is causing me emotional stress, and preventing me from getting my business started. XXXX rental car company has now sold the debt with my Information to a debt collector called summit A R.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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:
XXXX was apart of the borrowers defense list. They were involved in a lawsuit XXXX Vs XXXX. This Lawsuit was based on schools they were defrauding students and stating that students were going to get a job. I was also told I was going to receive a federal grant to help pay for school. The young lady I spoke with at Navient advised me that I would qualify under the borrower defense list. I applied on the Federal Student website and have not heard anything else pertaining to the forgiveness of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information wad exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent further harm to my financial well-being.

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 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information wad exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent further harm to my financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to address a concerning issue I've encountered regarding my ability to access my credit score online through your platform and other third party websites. Despite being a valued customer and diligently managing my credit, I have encountered difficulties in accessing my credit score online. As a consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ) and other relevant credit laws. These laws emphasize the importance of accurate and timely access to credit information, which is crucial for informed financial decision-making. I believe it is my right to access my credit score through your online platform, as stipulated by credit laws that govern credit reporting agencies like Equifax. I would like to draw your attention to the fact that the FCRA requires credit reporting agencies to provide consumers with access to their credit scores, enabling them to stay informed about their credit standing.

Company response to consumer: Closed with explanation