vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-05 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:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payment was made on time, which is within Toyotas 15-day grace period. The payment was not late and should not have been reported as 30 days overdue.

Clerical error by XXXX XXXX XXXX XXXX : My payment was processed on time, but due to a clerical error by XXXX XXXX XXXX XXXX, it was incorrectly reported as late. This error has caused inaccurate reporting across all three credit bureaus.

Evidence provided : I have attached bank statements and payment confirmations showing that the payment was made on time, well within the allowed grace period. This clearly demonstrates that no delinquency occurred.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint.

Sincerely, 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 2024-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I returned my router to XXXX XXXX XXXX and cancelled my account. They specifically made me drive to a XXXX store to get the router shipped and inconvenienced me despite arriving at multiple XXXX XXXX XXXX  stores. I worked with a customer service representative who gave me my receipt of return added here. I never received a receipt of my account being closed, but did not expect one and was verbally told my account was closed. I have dealt with extreme financial hardship, and have even had this already removed from my credit. I have absolutely no idea why they are even trying to get this again, this has already been resolved and severely inconveniences me. XXXX XXXX XXXX also sold my debt to Credence without contacting me. I had spoken to them on the phone more than 20 times in 2023 looking to resolve this debt. Credence has done nothing but spam call me during working hours and while I'm sleeping. 

XXXX XXXX XXXX has also acknowledged the return of my router and closure of my account but have not made any contact with Credence

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 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: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
On XX/XX/year>, Barclays Bank Delaware made a hard credit inquiry that appeared on my XXXX report. I did not request an account or card with this bank. Please remove the fraudulent inquiry from all applicable credit bureaus. 

I contacted Barclays, who stated they had received an application for credit. They did not provide information relating to the fraudulent application, but did agree to remove the inquiry from the credit bureaus. I later followed up with Barclays, who now said they have no record of the credit application. It does not appear that any action has been taken. Please remove the fraudulent inquiry from all applicable credit bureaus.

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 2024-10-05 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: OneMain Finance Corporation
State: TX

Complaint narrative:
About a year ago, I found a hard inquiry on my XXXX credit report and immediately sent a letter to One Main Financial requesting that it be removed. They have done nothing that hasn't been removed, and they never even replied. Here is where things take an interesting turn : when I pulled my credit reports from XXXX and XXXX, this particular hard inquiry didn't show up in either one of those reports. It is annoying to see this entry on XXXX only, and this much is certain : I never applied for any loan with One Main Financial. I seek a resolution to eliminate this inaccuracy from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: SUNRISE CREDIT SERVICES, INC
State: SC

Complaint narrative:
Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.

These accounts has violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy. 
Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 
I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of the notice. I LOOK FORWARD TO YOUR RESPONSE.

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 2024-10-05 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: VA

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit. Also there is a address listed on my credit report that doesn't belong to me as well as employment.

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 2024-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NY

Complaint narrative:
XXXX of my accounts were closed p. They claimed it was due to activity they deemed goes against their policy. I asked them how come both of my emails were suddenly changed and they didnt provide information on that breach which violates the XXXX XXXX XXXX XXXX XXXX XXXX. my email is XXXX and it was mysteriously changed to XXXX, I suspect a breach of my private data information. When I tried to open another account they were unable to verify my identity and Im a XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: SC

Complaint narrative:
Unauthorized Inquiries : 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 XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 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: IL

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply fo upon further investigation. I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in XXXX days! 

These fraudulent accounts are not only damaging my credit report but also causing me significant stress and XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent any 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 2024-10-05 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: IL

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply fo upon further investigation. I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681c-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 report but also causing me significant stress and XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: DISCOVER BANK
State: MA

Complaint narrative:
Discover bank continues sending solicitation and marketing material months after they made an unauthorized inquiry on my credit report and I requested through the XXXX XXXX XXXX  The Customer Financial Protection Bureau and directly to Discover that they no longer solicit me for any financial services

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Assistance Inc
State: FL

Complaint narrative:
There is are accounts on my XXXX, XXXX and XXXX credit reports that I have no knowledge of. It's clearly identity theft and fraud and I would like the accounts removed from my credit reports immediately. 
There is an account by the name of Financial Assistance Inc reporting derogatory in the amount of {$250.00} on my XXXX, XXXX and XXXX credit profiles I have no knowledge of.

There are 3 accounts from a company by the name of XXXX reporting derogatory in the amounts of {$210.00}, {$95.00} and {$77.00} on my XXXX profile that I have no knowledge of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I had a Synchrony bank load for some air conditioning/heading done on my house. The agreement was XXXX equal payments at no interest. When I first saw that my payment didn't go through I called in and spoke to a foriegn language person and they told me everything was ok. I ended up calling in multiple times, I could't log into my account online to try and fix it. XXXX time they even billed tried to file for {$19000.00}. Finally on XX/XX/XXXX I paid my payment with my debit card, because I didn't want a late fee. Today, XX/XX/XXXX I received a letter stating that my account is closed. I called in only to have them tell me that they can't do anything. I don't even have a way to pay off my balance. I can't call in and talk to anyone and I can't get sign in online.

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 2024-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
On XX/XX/XXXX, I received a letter from TD Bank stating that an account had been opened in my name. I called them on XXXX to report this and told them I did not open this account. I was told that it had already been reported and closed. I was told I could call back to see where the process is. I was given the names and telephone numbers of the 3 credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I am a parent of a XXXXXXXX XXXX. My XXXX XXXX his whole life in school. XXXX XXXX XXXX XXXX XXXX XXXX XXXX traditional learning did not serve him well. Being creative, he settled on photography to try and create a career for himself. Upon graduating from high school he trieXXXX XXXX XXXX XXXX Only one offered a course in photography and the teacher ended up asking him to teach part of that class. 
My son was aware of XXXX XXXX XXXX XXXX and its reputation as the premier photography school in the country, but every time he brought it up I said no because of the expense, and also his low GPA. School had not worked for him so far I had no reason to believe XXXX would be any different. 
Determined he contacted the school on his own and started collecting information. He talked to an admissions XXXX by the name of XXXX XXXX. XXXX XXXX asked to have a conversation with me and I declined several times before finally relenting. 
XXXX XXXX told me everything a parent of a struggling student would want to hear. He said that XXXX understood the creative mind and their curriculum catered to it. He assured me that many students with XXXX had successfully graduated from XXXX with a XXXX XXXX XXXX and went on to get high paying jobs. He assured me that my sons low GPA would not be an issue, that they make exceptions, and they did! My son applied and was accepted to my surprise. 
I agreed to visit the school. During our tour the XXXX family was highlighted over and over. At no point was there mention that XXXX had been sold to a for profit organization, XXXX. 
I was told that many students get hired from their internships and have a high paying job secured before graduation. I was shown statistics that supported this claim. I was assured that taking out a parent plus loan would never be a burden to me because they help all their graduates with placement and a high percentage make good money right out of school! According to what I was shown my son would be able to easily pay back the student loans. 
They made it seem that I was the only thing standing in my sons way of a successful future!! 


On XX/XX/scrub> XXXX XXXX XXXX XXXX XXXX sent the department of education XXXX XXXX XXXX XXXX : A Borrower 's Investigation details the specifics of the predatory nature of the school, including XXXX pages of evidence they have collected against XXXX and XXXX  by the borrowers themselves. The evidence comes from lawsuits, settlements, congressional testimony, and federal investigations. Furthermore, the Ask Letter cosigned by 12 organizations including, XXXX, Project on Predatory Lending, XXXX XXXX XXXX XXXX, the Debt Collective, and others collectively recommends the broad cancellation of all XXXX XXXX loans. 

I am filing a complaint for the DOE to take notice that the borrowers deserve to be made whole from a governmental system of oversight that has failed them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment delay due to postal service issues : In XX/XX/year>, I mailed my payment well in advance, but due to delays with the postal service, the payment arrived late. This delay was beyond my control, and the payment should not have been marked as late, as I acted in good faith to ensure timely payment. 
Payment made within the XXXX grace period : Despite the postal delay, my payment for XX/XX/year> was received and processed within XXXX 's XXXX grace period. As such, this account should not have been reported as 30 days late. 
Evidence provided : I have attached bank statements and payment confirmations showing that I sent the payment well before the due date and that it was processed within the grace period once received. This evidence clearly demonstrates that the reported late payment is inaccurate. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, 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 2024-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: ENOVA INTERNATIONAL, INC.
State: TN

Complaint narrative:
Received a denial for a loan application I did not ask for. Did not apply for a loan.

Company response to consumer: Closed with explanation