vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-19 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica
State: IN

Complaint narrative:
On XX/XX/2024 at approximately XXXX am is when my card stopped working and purchases were coming back declined or saying that my card was invalid. I tried calling the card company every day since it started and was never able to speak to anyone and can't seem to get anyone on the phone to get answers and when I called today XX/XX/2024 I finally spoke with XXXXwo different people who could only tell me that my card is showing as invalid but couldn't explain why and when I was transferred to another department, I have been on hold for 27 minutes now as I am typing this complaint waiting for someone to pick up the phone. I have also tried logging into my account online and can't get into my account to see any information. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: CA

Complaint narrative:
There is an unauthorized item on my credit report resulting from the fraudulent use of my personal information. I have never benefited from or authorized this account in any way. Understanding the seriousness of this issue, I promptly filed a report with the Federal Trade Commission, hoping for a resolution. However, despite taking all the necessary steps and reporting this fraudulent activity, the item remains on my credit report. 
This ongoing issue has been extremely frustrating, as I am now dealing with the consequences of someone else 's misuse of my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: FL

Complaint narrative:
My information was shared in the equifax XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-12-19 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: PA

Complaint narrative:
When I looked at my credit report this morning, I was shocked to see inaccurate accounts listed. I dont understand how this happened. I routinely check my credit report, and this is the first time Ive noticed discrepancies. I tried refreshing my browser, hoping it was just a mistake, but the errors didnt go away. Im pleading for the documents I sent to be thoroughly reviewed so I can finally stop feeling so anxious about this.

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 2024-12-19 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.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
ACCOUNT # XXXX Just lettin you know I dispute the debt above under the Fair Debt Collection Practices Act This aint a request for more docs or proof just makin it clear I dont agree with it If you need to contact me do it by text on my cell or email on my cell or computer Monday through Friday between XXXX and XXXX Eastern Time Any other times or ways like live calls or voicemails aint good for me Thanks for gettin it Peace

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: Maximus Federal Services, Inc.
State: MD

Complaint narrative:
Consolidation Loan was forged and submitted to XXXX XXXX XXXX  using a address not mine, different state - use my SSN and Employer, XXXXXXXX XXXX, loan was not initiated by me nor are the References in the DEPT of Ed loan anyone I know, phone and email. submitted copies and False Certification Form, Forgery form with supporting documents, XXXX, XXXX XXXX continues to enforce loan with no proof of identity, misrepresentation, threat to garnish wages and seize account on forged loan. XXXX supplied a Reimbursement and Adenmity noted the Promissory Note as Altered and manipulated, identity theft police reports provided FTC supporting information for stolen identity Fraud use of information and violation False Claims Act, defraud the Dept of Education and Government , College, money excess XXXX provided to unknown fictitious college recipient. Wire Fraud, 18 USC 1343, False Claims Act 31 USC 3729-3733, USC 1028 , Identity Theft and Bank Fraud 18 USC 1344 , Theft of Public Money 18 USC 641 , False Statements 18 USC 1001, Higher Education Act Violations 20 USC 1097 .

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: Ascendium Education Group
State: MD

Complaint narrative:
Consolidation Loan was forged and submitted to XXXX XXXX XXXX, using a address not mine, different state - use my SSN and Employer, XXXXXXXX XXXX, loan was not initiated by me nor are the References in the XXXX of XXXX XXXX anyone I know, phone and email. submitted copies and False Certification Form, Forgery form with supporting documents, XXXX, XXXX XXXX continues to enforce loan with no proof of identity, misrepresentation, threat to garnish wages and seize account on forged loan. XXXX supplied a Reimbursement and Adenmity noted the Promissory Note as Altered and manipulated, identity theft police reports provided FTC supporting information for stolen identity Fraud use of information and violation False Claims Act, defraud the Dept of Education and Government , College, money excess XXXX provided to unknown fictitious college recipient. Wire Fraud, 18 USC 1343, False Claims Act 31 USC 3729-3733, USC 1028 , Identity Theft and Bank Fraud 18 USC 1344 , Theft of Public Money 18 USC 641 , False Statements 18 USC 1001, Higher Education Act Violations 20 USC 1097 .

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: TX

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I would request the CFPB to seriously consider looking into the practices of the three credit bureaus : Experian, XXXX, XXXX for unethical practices of selling consumer data for trigger leads. 
They operate as a XXXX and each year, clients have called my loan officers to personally complain about receiving 20-30 calls in one day from unknown mortgage companies after a credit pull. Many were angry and upset about how the calls have disrupted their entire day and work schedule. They also complained about still receiving these calls even after opting out online and on the do not call list. 

In addition to selling consumer data, the credit bureaus have increased the cost of pulling credit report 500 % + in the past few years. 
a soft pull one bureau report used to cost {$3.00}, now it is $ XXXX. 
tri-merged mortgage report used to cost {$36.00} ( 2022 ), now it is $ XXXX. 
the unreasonable increase added burdens to consumers who seek housing finance.

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 2024-12-19 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: MA

Complaint narrative:
My account with EXPERIAN XXXX 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. 


EXPERIAN XXXX 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 explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had a Capitol 1 credit card. I always paid the balance every month. I received a text from them on XX/XX/year> that asked me if I had requested a {$100.00} cash advance from a XXXX XXXX in XXXX. XXXX XXXX. Reply Yes or No. I immediately replied " No ''. I called the phone # on back of card to question what was happening to my account. They told me someone had obtained a {$200.00} cash-advance, and then tried to get another {$100.00} advance. That's why I received the text. I examined my account and saw a XXXX XXXX, who resides in XXXX. XXXX XXXX with C/C ending in XXXX had made this Cash Advance. I ask why is this my problem when that is not my C/C number. That's when they told me he was an Authorized User on my account. I didn't know they even had authorized users, so they told me to go to Manage your Account and I would see his name. I went online, and saw his name and also that he had changed mailing address and my contact phone # to his in XXXX XXXX XXXX. I was never contacted by Cap-1 to add this user. I had them immediately cancel these C/C, and they did and there were no more charges made. they never removed the charges from my balance and I never paid it because I didn't make the cash advance. I called every month about this and they always agreed it was fraud. However, they never cleared my balance, and kept adding late fees, and interest charges. Recently they closed my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-19 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: MD

Complaint narrative:
Im seriously frustrated right now after checking my credit report and finding a mistake thats messing up my score. This is making everything hardergetting approved for loans, facing ridiculous interest rates, and its just unnecessary stress I shouldnt have to deal with.

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 2024-12-19 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: NC

Complaint narrative:
I have previously filed a complaint with the FTC regarding these negative accounts, but they are still present. It has been a while since I took action, and there has been no resolution so far. Additionally, I received a letter from the credit bureaus stating that I am not responsible for sending the letter to them, which is incorrect. I am the one who should send my letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-12-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Viva Finance Inc.
State: FL

Complaint narrative:
Although the contract was signed via XXXX, I wasnt expecting the dramatic rate increase. No loan agent called me to go over the terms, and the refinancing option was simply offered in my online portal as a refi without sufficient explanation. 

I am filing this complaint regarding two loans with Viva Finance , Inc., and XXXX XXXX  as I believe their practices may be predatory and violate consumer protection laws, including TILA. 

Loan 1 : Date : XX/XX/XXXX XXXX : 18.49 % Loan 2 ( Refinanced ) : Date : XX/XX/XXXX XXXX : 30.01 % Despite on-time payments under Loan XXXX, I was refinanced into Loan 2 at a significantly higher APR. This increase was not clearly disclosed, nor were the financial impacts explained. The rate increase appears to penalize responsible payment behavior and may violate TILAs disclosure rules. 

I am requesting an investigation into whether the rate increase and refinancing practices comply with state and federal laws. I also request a review of the disclosures and any necessary corrective actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-12-19 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian XXXX XXXX I've been trying to transfer my credit history to my new SSN.

I've been building credit for the past years with an XXXX.

Since I've became a legal permant resident I tried to contact these credit bureaus to see how can I solve this. 
My SSN has no credit file ..different Financial institutions said that So since I can't contact these bureaus it's been a painful process calling over and over again to different numbers.

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 2024-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: ME

Complaint narrative:
XX/XX/year>XXXX  letter came in the mail denying my application for a Lowes card through Synchrony Bank. 
Multiple issues : Letter was addressed to my nickname as first name, previous last name, incorrect street #, and said I was denied due to bankruptcy. I have never had a bankruptcy and I did not apply for a Lowes card.

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 2024-12-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
Purchased a visa gift card for my colleague at work and when he tried to use it they said it was already used. The manager at XXXX took it out of a sealed box when I purchased it. Vanilla visa and XXXX denied the claims

Company response to consumer: Closed with explanation