vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-22 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: WA

Complaint narrative:
RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX  XXXX - XXXX - XX/XX/XXXX - {$11000.00} XXXX - XXXX - XX/XX/XXXX - {$510.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$24000.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$17000.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
I am writing to formally dispute the inconsistent and inaccurate reporting of my XXXX Mortgage account ( Account # XXXX ) across the three major credit bureausXXXX XXXX, and XXXX. Upon review of my credit reports, I identified several inconsistencies in the reported payment history, which constitute a violation of the Fair Credit Reporting Act ( FCRA ). I will list out each inaccuracy so that there is no confusion and to avoid a general response that all information is reporting accurately. I will also attach the account for your reference. XXXX reports XXXX consecutive months of XXXX late payments ( XXXX to XX/XX/XXXX ), which is not reflected in XXXX or XXXX reports XXXX XXXX and XXXX report XXXX, XXXX, and XXXX late payments inconsistently, with no agreement between the XXXX bureaus. XXXX lists the account status as XXXX  days past due, while XXXX shows " Paid or paying as agreed '' and XXXX lists " Pays account as agreed ''. The Date Last Active varies significantlyXXXXXXXX XXXX, XXXX, according to XXXX, while XXXX and XXXX report it as XX/XX/XXXX. These reporting discrepancies are clear evidence of negligent and inaccurate reporting in violation of FCRA guidelines, specifically 15 U.S. Code 1681e ( b ), which mandates that credit information must be reported with maximum possible accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: World Acceptance Corporation
State: NM

Complaint narrative:
Charged off account didn't receive a IRS 1099 C form

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: MS

Complaint narrative:
A dispute was submitted in XXXX because items in collection did not belong to me yet these things remain on my credit report and I am unable to apply for things that I need.

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 2024-10-22 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: AZ

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I had a call today that said I was being served for a legal matter. When I called the company that apparently mediates the debt, the lady said that I was being sued for a debt in XXXX  that I maliciously failed to pay. I do not recall the debt but she had my social security number and said that I owed them over XXXX. She would not give me information about her company, who she worked for, the name and address of the company, etc. She had me so upset that I was going to pay the settlement because I did not want to be served. I did not sign anything or give a verbal yes. 

The old account was with Orchard Bank and I do not recall owing it. 
I can't say who the woman ( mediator ) was because she refused to give me any information about herself or her company. I told her because there was so much scamming going on I didn't trust this process. 

I have not been served any paperwork, nor have I received any letters about this. 

I am not sure how to go forward with this nightmare. 
Thank you. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I pay the minimum payment along with the interest rate each month and right after I paid it, I was charged another interest rate for the same month. Not the next month.

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 2024-10-22 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: CA

Complaint narrative:
Name : XXXX XXXX, Social Security Number : XXXX, Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that the Equifax credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX, under the account number ( private ), an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX, under the account number ( private ), an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, under the account number ( private ), an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX, under the account number ( private ) a cell phone account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), a cell phone account opened at XXXX on XX/XX/XXXX under the account number ( private ), and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of $ [ private ] that appears related to the aforementioned cell phone account opened at XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you, which shows the fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 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: MI

Complaint narrative:
XXXX credit cards were processed during the last year without my knowledge : XXXX XXXX XXXX XXXX XXXX - Run on XXXX XX/XX/year> XXXX - XXXX - XXXX XX/XX/year> XXXX XXXX - XXXX of XXXX  I tried to apply for a credit card in XXXX of XXXX  for XXXX XXXX and was declined on the premise of there already being an application being processed.

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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rauch-Milliken International, Inc.
State: TX

Complaint narrative:
I requested that all communication be ceased due to harassment and the embarrassment that has taken place my XXXX year old answered my phone and was talked to in a disrespectful manner thinking it was me. Even with the several attempts to stop communication this lady will not let up her name is XXXX XXXX. Also, requesting XXXX dollar settlement for harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collections/Charge off : 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 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: CA

Complaint narrative:
We had an original loan for our daughter of {$79000.00}. We believed our repayment plan covered principal and interest. Years later when we checked on loan we ended up owing {$100000.00}, {$24000.00} in interest has been added to our loan and the principal has not been touched, still {$79000.00}. We have not missed a payment since the date of the loan on XX/XX/year>. My loan number is XXXX. I am upset that with all our payments we never knew that we were not paying enough to cover principal and interest and that interest had accrued in the amount of {$24000.00}. Helpme please. 
Is there a government program to help with me and others who feel cheated? What can I do. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2024-10-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Community Choice Financial ( operating as Check Into Cash ). On XX/XX/2022, A loan with an APR of 132.46 % and additional fees totaling {$90.00} ( {$45.00} finance charge, {$40.00} transaction fee, {$5.00} verification fee ). These terms are predatory, excessively costly, and raise significant concerns under consumer protection laws. 

Key Issues : 1. Excessive APR and Fees : The APR of 132.46 % and excessive fees far exceed reasonable lending standards, trapping consumers in debt.

2. Ballooning Balance : Despite a {$400.00} loan, the balance has now increased to {$480.00} in a short period, showing the predatory nature of the loan structure.

3. Affiliation with TitleMax : Community Choice Financial is now associated with TitleMax, which has been penalized for illegal lending practices. I believe my loan may involve similar unethical practices.

Requested Resolution : Full investigation into the legality of the APR and fees charged.

Immediate removal of this loan from my credit report, as it reflects predatory and unfair practices. 
Refund of any unlawful charges or interest accrued. 

I believe this loan is a violation of fair lending practices, and I request urgent action to address these issues. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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:
I'm not liable for this debt with XXXX XXXX XXXX | do not have a contract with XXXX XXXX  ; they did not provide me with any original contract as requested in accordance with the FCRA Fair Credit Reporting Act. 
XXXX XXXX XXXX has violated my rights ; 15 USC 1681 section 602A. 15 USC 1681 section 604A section 2, 15 USC 1681c ( a ) ( 5 ), 15USC16815-2 ( A ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Mt credit card was reported closed as of XX/XX/year>. However, the card is in fact still open with a {$91.00} balance. I reached out to XXXX and Experian to fix the issue, neither one cares to fix 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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional 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 2024-10-22 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: AZ

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional 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 explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau I am writing to request your assistance regarding a recent hardship I have faced due to the ongoing homeless crisis in XXXX XXXX. My business was unfortunately forced to close due to this crisis, which has significantly impacted my financial situation. 

I had previously reached out to American Express to enroll in a hardship program, similar to the one offered during the pandemic. I successfully managed my debt during that time and assured the company of my ability to do so again. 

Despite being enrolled in the hardship program and setting up automatic payments through XXXX XXXX, I have encountered difficulties. Unfortunately, XXXXXXXX XXXX discontinued making these automatic payments. I have not received any calls from American Express, even though I provided them with my updated contact information. The only communication I received was via mail, but it was too late, and American Express removed me from the program, refused to speak with me, and placed negative marks on my credit report. 

This negative reporting is causing me further financial strain and is making it difficult for me to secure the necessary resources to avoid becoming homeless. 

I have been able to make payments on two of my three accounts through the American Express website. However, I am unable to pay the third account due to issues with the debt collector in XXXX. 

I kindly request your assistance in removing these negative reports from my credit report and reinstating me in the hardship program. Any help you can provide would be greatly appreciated. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation