vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-16 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: CT

Complaint narrative:
Experian, a major credit reporting agency, has been under fire for its use of offshore agents who have access to sensitive personal information. This poses a serious security breach and puts consumers at risk of identity theft and fraud. Not only that, but the customer service provided by these offshore agents is often subpar, with many customers reporting constant hang-ups and unhelpful responses. It is unacceptable for a company like Experian to prioritize cost savings over the security and satisfaction of their customers. By outsourcing customer service to offshore agents, they are putting individuals at risk and failing to provide the level of support that consumers deserve. 
It is time for Experian to take responsibility for their actions and prioritize the safety and well-being of their customers. They must address this security breach immediately and improve their customer service practices to ensure that individuals are not left vulnerable or frustrated when seeking assistance with their credit reports. Experian, one of the leading credit reporting agencies, has been lacking in its approach to identifying credit fraud and misinformation on credit reports. In my personal experience, I have found instances where fraudulent activity was reported and resolved in as little as 24 hours. This quick resolution raises concerns about the thoroughness and accuracy of Experian 's investigation process. Credit fraud is a serious issue that can have long-lasting effects on an individual 's financial well-being. It is crucial that credit reporting agencies like Experian take the time to thoroughly investigate any claims of fraud to ensure that accurate information is being reported. A quick resolution may seem convenient, but it does not necessarily mean that the issue has been properly addressed. To maintain fairness and transparency in the credit reporting process, Experian must improve its approach to identifying and resolving instances of credit fraud. Consumers deserve a thorough and accurate investigation process when it comes to their credit reports, and Experian must do better in this regard.

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 2024-03-16 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: CA

Complaint narrative:
XX/XX/2023, I looked at my report. I sent a dispute to Experian asking them to reinvestigate these accounts ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/2023 they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same ... and according to 15 USC 1681 i ( 5 ) they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according t

o 15 USC 1681eb they are supposed to ensure th ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. and according to 15 USC 1681s-2 this is suppose t
o happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Experian really did not reinvestigation they lied on an official document saying they did something they did not do.

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 2024-03-16 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: Synovus Bank
State: CA

Complaint narrative:
identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
Recently I saw late payments on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Recently I saw late payments on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
Recently I saw late payments on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 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: AL

Complaint narrative:
Starting in XX/XX/XXXX, I consolidated all my loans to one payment. The consolidated company I use was XXXX XXXX  they have all my student loans balance. 
In XXXX XXXX my loan was XXXX in all and transferred to XXXX. 
In XXXX XXXX XXXX XXXX assist me with the PSL program and that's when my loan transfered to XXXX. 
The end of XXXX was time to recertification for PSL, and income driven payment. 
I was late turning it in trying to use the self service portal, so I end up calling the Department of education to see if I can be approved for a payment plan until my income driven plan kicks in. That's when the representative said she can defer me and I will not have to make a payment for XXXX. She said the payment plan will kick in XXXX. She stated I can call and remove it with out it affecting the payment plan. I check my credit again in XXXX I noticed an extra XXXX on my credit report with both companies still with the account open. I call XXXX it says no account available with that name. XXXX says XXXX has to close the account with the creditor because XXXX is over the loan now and that's considered duplicates.

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 2024-03-16 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: Credit Karma, LLC
State: TX

Complaint narrative:
I was wondering why in the world is Credit Karma accessing my credit through soft inquiries. They have access my report 100 times from XX/XX/year> to this month of XX/XX/year>? I also have other companies accessing my report without my information and feel that is why I believe my credit report has been used incorrectly. 
Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 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: CO

Complaint narrative:
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  these accounts are fraudulent experian wasnt trying to remove the account

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 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In XXXX of XXXX I opened a credit card account with XXXX XXXX XXXX XXXX XXXX ( XXXX ). This card appeared on my credit report continuously until approximately XXXX of XXXX. In the spring of XXXX there was a data breach at my employer, XXXX XXXX XXXX, which is affiliated with but separate from the credit union. My information was leaked in the data breach so I placed an extended fraud alert on my credit report, which should not have removed any legitimate accounts from my report and should only have required that I be contacted to verify any new accounts. Despite this, all three credit bureaus incorrectly removed the XXXX credit card from my report. I have called and written to all three credit bureaus several time providing information that the account is legitimate, as have representatives from XXXX on my behalf, but all three refuse to even respond with anything but an automated letter that does not address the issue. At this point the credit bureaus are knowingly misrepresenting my credit history and have more than enough proof that the missing account is legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I affirm, under the threat of perjury ( as per the laws of the United States, if executed outside of the United States ), that the aforementioned statements are true and accurate to the best of my understanding. Furthermore, I attest that I am legally permitted by both FEDERAL and STATE LAW to initiate this dispute. I am also aware that any intentional and knowing misrepresentation or omission of significant facts constitutes a FEDERAL CRIMINAL VIOLATION as per 18 U.S.C. 1001. Moreover, such misrepresentations are punishable as perjury under 18 U.S.C. 1621. The entries identified within my credit report are not associated with any transactions conducted by me. I assert that an individual or entity, without my consent, has utilized my personal identifying information to apply for goods, services, or financial resources, and has successfully opened certain accounts. These matters are presently under investigation by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I purchased a TV with bestbuy store credit card. Within 30 days tv was malfunctioning. Contacted customer service & they tried to walk me through getting the TV to turn back on. They never once offered or informed me of purchase protection plans. A little while goes by, more malfunctioning, contacted cs again. Bestbuy tells me to contact manufacturer because its no longer under warranty through them and that i shouldve purchased a protection plan ( that they never offered ) and it sounded like a software issue. Contact manufacturer and they tell me to contact XXXX bc it's a XXXX XXXX so they're in charge of software. So I contact XXXX and they tell me to contact bestbuy. All the while tv is still malfunctioning and less than 1 yr old, shutting off on its own, not turning on about 1/3 of the time, remote only works intermittently even with new batteries, etc. I make a complaint through the best buy credit card company ( citi ) and they " invesigate '' and say that there's no protection against buying a faulty tv and that I should've gotten protection plan. So i received a letter from citi saying they were investigating issue and no payment was due on that purchase until they reached decision. in the meantime my gf and i were experiencing some major life events and trying to juggle too much. We didn't make that months payment but then the following month called and scheduled a payment that would be made prior to the due date and they agreed to waive the late fees seeing as dealing with major life events could reasonably cause missing a cc payment and told me to contact credit bureaus to have them remove the late payment... .which was also a lie come to find out. The following month they reported the early payment as late to credit bureaus AGAIN even though it was early, charged more late fees and said I didn't make payment so now my new monthly payment is almost {$200.00} freaking dollars. I'm XXXX and live on ssi. We already had unexpected expenses with the major life altering events and now they want to make it to where we can't ever get ahead on payments with their lies. Also causing credit score to drop over 50 points ruining my chances of getting a balance transfer card to get away from these lying scam artists!

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 monetary relief
Consumer complaint received 2024-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: ME

Complaint narrative:
I contacted the company around XX/XX/2024 and requested any and all information pertaining to my name or social security number and also told them the debt was sold without my consent and did not want any further contact with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I opened an account with XXXX on XX/XX/2021 the limit was {$230.00} I missed a payment and when I got caught up they dropped my credit limit lower then reported it to the credit bureau as over the limit. My account is showing different balances on all 3 bureaus sites. I've reported inaccuracies and all the bureaus say is resolved by data furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 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: NY

Complaint narrative:
Trans Union and XXXX refused to remove the hard inquiries that I did not put there. I never applied or attempted to apply for XXXX XXXX  or any other those things I asked them to remove it. I sent them copies of my ID my address and still nothing. I asked to show me proof For the attempt of applying for cards nothing was sent also One of my debt was paid off in full. I asked him to remove the hard inquiry. They said I have to stay here for 10 years even though I paid.

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 2024-03-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't contact lender or servicer — 
Company: CCF Intermediate Holdings LLC
State: MA

Complaint narrative:
I have been receiving emails on XX/XX/24 From Title Max XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Creditor : Title Max {$3900.00} Contact : XXXX Docket # XXXX I have been a victim of Identity Theft, I have had bank accounts opened in my name, I have gone through all my bank statements, I never applied for a loan from these people, I never accepted a loan from these people, Some how they have all my information, and are trying to scam me.

I refuse to pay for something I didn't do, I will get a lawyer and fight this to the full extent of the law, All I asked for was proof from them, that I received money from them, all they showed me was my information,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In XXXX of XXXX I opened a credit card account with XXXX XXXX XXXX XXXX XXXX ( XXXX ). This card appeared on my credit report continuously until approximately XXXX of XXXX. In the spring of XXXX there was a data breach at my employer, XXXX XXXX XXXX, which is affiliated with but separate from the credit union. My information was leaked in the data breach so I placed an extended fraud alert on my credit report, which should not have removed any legitimate accounts from my report and should only have required that I be contacted to verify any new accounts. Despite this, all three credit bureaus incorrectly removed the XXXX credit card from my report. I have called and written to all three credit bureaus several time providing information that the account is legitimate, as have representatives from XXXX on my behalf, but all three refuse to even respond with anything but an automated letter that does not address the issue. At this point the credit bureaus are knowingly misrepresenting my credit history and have more than enough proof that the missing account is legitimate.

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 2024-03-16 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: IL

Complaint narrative:
Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor.

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 2024-03-16 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: FL

Complaint narrative:
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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates.

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 2024-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I WAS TRYING TO OPEN SOME ONLINE CHECKING ACCOUNT IT WONT GO THROUGH FOR SOME REASON

Company response to consumer: Closed with explanation