vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-18 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: GA

Complaint narrative:
XXXX XXXX XXXX is third party company which illegally reporting on my credit report I have not give written consent or agreed for XXXX to report to my credit XXXX hasnt vaildated the debt that they claim I owe also XXXX XXXX isnt the lien holder of my auto loan so they shouldnt even be reporting to my credit at all if XXXX XXXX needs to delete from credit report immediately attached will be proof by law only the original creditor can report to credit report

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 2023-09-18 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:
XXXX XXXX XXXX is third party company which illegally reporting on my credit report I have not give written consent or agreed for XXXX to report to my credit XXXX hasnt vaildated the debt that they claim I owe also XXXX XXXX isnt the lien holder of my auto loan so they shouldnt even be reporting to my credit at all if XXXX XXXX needs to delete from credit report immediately attached will be proof by law only the original creditor can report to credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX is third party company which illegally reporting on my credit report I have not give written consent or agreed for XXXX to report to my credit XXXX hasnt vaildated the debt that they claim I owe also XXXX XXXX isnt the lien holder of my auto loan so they shouldnt even be reporting to my credit at all if XXXX XXXX needs to delete from credit report immediately attached will be proof by law only the original creditor can report to credit report

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 2023-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I had requested documents from the bureaus!! I have been ignored multiple time!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
EQUIFAX CONTINUES TO KEEP REPORTING BOTH OF THESE ACCOUNTS AS " PAYS AS AGREED '' WHEN BOTH HAVE BEEN PAID OFF & CLOSED! KEEPING THEM IN A STATUS OF " OPEN '' HAS LOWERED MY SCORE TO XXXX! THE CREDITOR TRIED TO CORRECT THE PROBLEM BUT EQUIFAX REFUSES TO OBLIGE. I REPORTED THE CREDITOR AGAIN TO THE XXXX  IN ORDER TO GET THEIR ATTENTION ON THIS MATTER & REQUESTED THEY DELETE IT & DISCONTINUE DOING BUSINESS WITH EQUIFAX SINCE THEY'RE TOO INCOMPETENT TO REPORT INFORMATION ACCURATELY! SEE ALL ATTACHED INCLUDING THE FCRA LAW THAT STATES IF THE INFORMATION CAN NOT BE REPORTED ACCURATELY, WHICH IT HAS NOT BEEN ON EITHER ACCOUNT, THEN IT MUST BE DELETED OR THE CONSUMER HAS THE RIGHT TO SUE THE BUREAU & CREDITOR. THAT IS THE NEXT STEP FOR ME!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This account fell into default due to the covid-19 pandemic. As part of the relief I had requested a loan modification. The loan modification was granted pending three trial payments. As part of this agreement no late action penalties would be taken against my account, including late reporting or foreclosures, or late fees etc. The payments were set to begin XX/XX/XXXX for three months, at which point my mortgage would be refinanced into a forty year note at reduced payments. XXXX informed me via telephone that I would have a grace period for these payments, and that as long as I made them in the month it would be valid. My payday was XX/XX/XXXX and I made the payment the same day. It posted, and cleared, and is attached. On XX/XX/XXXX I was reported as 167 days late ( from XXXX ) causing a massive crush in my credit score and potentially jeopardizing the agreement. I want to emphasize in absolutely no uncertain terms that XXXX told me that even though the paper said XX/XX/XXXX was the deadline, that if I made it on XX/XX/XXXX it would not be an issue. Payment receipts attached.

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 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This account fell into default due to the covid-19 pandemic. As part of the relief I had requested a loan modification. The loan modification was granted pending three trial payments. As part of this agreement no late action penalties would be taken against my account, including late reporting or foreclosures, or late fees etc. The payments were set to begin XX/XX/XXXX for three months, at which point my mortgage would be refinanced into a forty year note at reduced payments. XXXX informed me via telephone that I would have a grace period for these payments, and that as long as I made them in the month it would be valid. My payday was XX/XX/XXXX and I made the payment the same day. It posted, and cleared, and is attached. On XX/XX/XXXX I was reported as 167 days late ( from XXXX ) causing a massive crush in my credit score and potentially jeopardizing the agreement. I want to emphasize in absolutely no uncertain terms that XXXX told me that even though the paper said XX/XX/XXXX was the deadline, that if I made it on XX/XX/XXXX it would not be an issue. Payment receipts attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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:
This account fell into default due to the covid-19 pandemic. As part of the relief I had requested a loan modification. The loan modification was granted pending three trial payments. As part of this agreement no late action penalties would be taken against my account, including late reporting or foreclosures, or late fees etc. The payments were set to begin XX/XX/XXXX for three months, at which point my mortgage would be refinanced into a forty year note at reduced payments. XXXX informed me via telephone that I would have a grace period for these payments, and that as long as I made them in the month it would be valid. My payday was XX/XX/XXXX and I made the payment the same day. It posted, and cleared, and is attached. On XX/XX/XXXX I was reported as 167 days late ( from XXXX ) causing a massive crush in my credit score and potentially jeopardizing the agreement. I want to emphasize in absolutely no uncertain terms that XXXX told me that even though the paper said XX/XX/XXXX was the deadline, that if I made it on XX/XX/XXXX it would not be an issue. Payment receipts attached.

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 2023-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: PA

Complaint narrative:
Today Monday XX/XX/2023 I sent 2 wire transfers from my connected brokerage account ending XXXX to XXXX XXXX XXXXXXXX ( see attachments ) A few hours later I went to log into my Schwab account and noticed it was locked. It said to call customer service. I called and they said I must wait up to 24 hours for it to be unlocked after I answered all verification questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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: LEXISNEXIS
State: WI

Complaint narrative:
1st I am stressed and displeased that I see there is a bankruptcy on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. My information was in a XXXXXXXX XXXX XXXXXXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and according to 15 U.S.C. 1681, you should be protecting my privacy and the accuracy of my report. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Please remove ASAP Upon speaking to the bankruptcy court, they do NOT furnisher people 's information to 3rd party so this is illegal, neglect and fraud. You all can get sued for these damages. This is negatively effecting my livelihood. I can't provide a good life for my children due to these falsified damages from the bankruptcies. I am upset!! You all are a secondary bureau that houses consumers information. I feel your database is inaccurate and I am filing ligation against this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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: MD

Complaint narrative:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

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 2023-09-18 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: DISCOVER BANK
State: VA

Complaint narrative:
On XXXX XX/XX/XXXX  I received a denial letter from Discover stating that an application for a Discover it chrome Student Card was denied because status of existing/prior Discover account ( what that refers to is a bankruptcy filed that a previous account with Discover was included ). 

So I submitted a dispute with Discover and on XXXX XX/XX/, I received a letter from Discover stating a fraudulent application was submitted using my name and SSN # and Discover would not open an account or continue to process the application and that the inquiry would be moved from a hard inquiry to a soft inquiry. 

Discover said it takes 90 days for XXXX to update my report with the correction and yet it has been six months XXXX XX/XX/XXXX  and the issue has still not been corrected. 

I am requesting that it be removed from my credit report completely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Another fraudulent inquiry hit my report today. XXXX XXXX XXXX XXXX. I am a victim of identity theft. This inquiry is a act of fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 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: TX

Complaint narrative:
I am a victim of identity theft, I have reached out to the three credit bureaus multiple times to no avail. Their negative reporting of false information is hindering my financial wellbeing and ability to provide for my family. I have been trying to prove myself and have these false items removed, I am always turned down and they are infringing on my rights as a consumer which is a violation. Per 15 usc code 1681 these companies have not done their due diligence in ensuring me a fair and accurate credit profile and I wish for that to be immediately corrected and fees for damages as this has been detrimental to my life and I have been trying to resolve it for months now with no help. I have attached a copy of my driver license with my 1 and only name.

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 2023-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
From XX/XX/XXXXXXXX  until present my tax payment has been collecting {$650.00} monthly based on an estimated tax of {$7800.00}. I'm not sure what their estimate is based on, but the XXXX  taxes that were paid when I closed on the house was {$3600.00}. I called the county and they said based on the new tax estimate the mortgage company should be able to make and adjustment. I called the mortgage company on XX/XX/XXXXXXXX  and asked how to have it adjusted. They said to send the proposed property tax that I received from the county, and they would review it and make the adjustment. I scanned it in and sent it in as requested on XX/XX/XXXX. I called and spoke to XXXX, who said they received the document, but the new payment was not based on a reassessment. She said that I could reupload it and give them until XX/XX/XXXXXXXX  to reassess the taxes. I called again today XX/XX/XXXX, and they said they would not adjust it based on the fact that the documentation was an estimate not an actual tax bill. It can not possibly be legal for them to estimate over twice what the tax is, collect on twice what the tax is, and continue to collect twice the amount, when I have documentation showing the max  tax would be {$4800.00}.

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 2023-09-18 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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:
To Whom It May Concern, I am writing to officially dispute certain items in my consumer report, which were reported without my prior written consent. This matter is brought to your attention in accordance with the provisions outlined in 15 USC 1681b, which are designed to protect consumer privacy. 

I have already filed a report with the Federal Trade Commission ( FTC ) concerning the unauthorized reporting of my personal information, which I believe amounts to identity theft. The FTC has provided me with a reference number for this report, which is [ XXXX ]. 

Per 15 USC 1681c-2, it is mandatory for consumer reporting agencies to promptly block the reporting of any information in a consumer 's file that the consumer identifies as stemming from alleged identity theft. I kindly request that you adhere to this legal requirement and expeditiously remove the following accounts from my consumer report : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 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: FL

Complaint narrative:
To Whom It May Concern, I am writing to officially dispute certain items in my consumer report, which were reported without my prior written consent. This matter is brought to your attention in accordance with the provisions outlined in 15 USC 1681b, which are designed to protect consumer privacy. 

I have already filed a report with the Federal Trade Commission ( FTC ) concerning the unauthorized reporting of my personal information, which I believe amounts to identity theft. The FTC has provided me with a reference number for this report, which is [ XXXX ]. 

Per 15 USC 1681c-2, it is mandatory for consumer reporting agencies to promptly block the reporting of any information in a consumer 's file that the consumer identifies as stemming from alleged identity theft. I kindly request that you adhere to this legal requirement and expeditiously remove the following accounts from my consumer report : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: DISCOVER BANK
State: IN

Complaint narrative:
On XX/XX/ I sent discover Bank a letter asking for proof of contract provide me with a certified copy of an authenticated original contract with my signature. They have not done so under the frca all unverified accounts must be promptly deleted. By discover Bank publishing this inaccurate and unverified item on my credit report they are damaging my reputation and creditworthiness.

I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence. Engelhard vs. Gravens ( MO ) 281 SW 715, 719,1 may presume that no proof of the alleged debt for therefore any such debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
A prepaid Paypal XXXX. I tried to activate it and it asked me to call ( XXXX ) XXXX when I called this number they said they were unable to activate the card, link the card to my Paypal account, give me a refund he told me he worked in a call center in the XXXX. This card goes to XXXX. XXXX card was offered to me once when I went to a check cashing to cash a check. When trying to cash a check they asked me to register with that location so I could cash checks I gave them my social security number name address and they also registered me for a XXXX I refused the XXXX put charges to a card I refused and to this day I'm in their system. I need XXXX to clear this up and remove me from their system. I never used XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
This is regarding the Amazon Store Credit Card from Synchrony Bank. 

This card offers 5 % credit for all purchases from Amazon.com. However sometimes on check out you will see under 'Payment Method ' in small green writing the phrase : " 6 equal monthly payments '' This happens randomly and there is no way set Amazon defaults so the '6 equal monthly payments ' are not offered. If you continue with the purchase using the Synchrony card - ( and this is nowhere documented by Amazon or Synchrony ) -- you will not get the promised 5 % credit. 

Synchrony considers the '6 equal monthly payments ' a 'promotion ' and it doesn't apply the 5 % credit to such promotions. However I had no desire for ( nor did I ask for ) such promotions. I only discovered this when see the discrepancy between actual and expected 5 % credits. It was hard to track down -- as the promotion is not uniform. 

Synchrony offered no satisfaction or compensation when contacted via on-line chat. It was only during the chat that I discovered the reason for the missing 5 % cash back. 

Looking over my transactions with Synchrony -- I estimate that I've lost between {$50.00} and {$100.00} in 5 % credits due to Synchrony applying this unwanted 'promotion ' to Amazon.com purchases.

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