vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-03 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I have repeatedly had difficulty trying to modify the terms of my CDs at renewal. I echo other complaints I've seen on Synchrony Bank CDs that they are difficult to modify or cancel. I will also add that Synchrony Bank is not transparent about the auto-renewal rate for CDs. On one of my most recent auto-renewals ( which occurred just a few days ago ), the rate for my renewal was lower than the current rate shown for the same term. When I asked about the discrepancy, a bank manager told me that the higher rate JUST came into effect as of " yesterday '' ( very convenient for them ) but the bank was unable to provide any further information to me showing that the rate at the time of my renewal just a few days prior to that was in fact lower ( " we can not send specific rate information to customers '' ). I just had to trust them that the rate had just changed, as of " yesterday. '' In addition, the difficulty I've had in trying to modify my CD before its maturity ( the term and the amount to be renewed ) is that I am unable to find these options when I log onto my account. I talked to multiple representatives, asking them specifically which buttons to select to be able to modify the terms and amount for CD renewals, and they vaguely say that those options exist but that I am currently unable to see them because my CD is not in its 30-day pre-renewal period. I told them several times to just explain to me where that option exists so that I am able to make those changes when the pre-renewal period begins. None of them could explain that to me, with one finally confessing that she just lets her own CDs auto-renew each time without any type of modification. 

In short, Synchrony Bank mades modifying or cancelling its CDs nearly impossible or at the very least very very difficult to do. There is also no transparency on the rates at which CDs auto-renew.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts within 4 days : 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 explanation
Consumer complaint received 2024-12-03 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: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: AZ

Complaint narrative:
Under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists15 U.S. Code 1681 ( s ) -2 states that any payments during covid-19 are required to be deferred or forgiven.15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am reaching out to formally dispute the inclusion of a bankruptcy on my credit report. I have official documentation from the court clearly stating that this bankruptcy should not have been reported to your agency. The fact that this erroneous information remains on my credit file is extremely concerning and calls into question the accuracy of the reporting process. To make matters worse, there is evidence of an unauthorized third party being involved in this situation, further highlighting the severity of the issue and the potential breach of my personal 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 2024-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Nearly {$13000.00} of my hard earned money was taken from my account in unauthorized transactions. I reported this to Wells Fargo and they denied giving me my money back because apparently the system said it was authorized. They NEVER reached out to the merchant even though they lied to me and said they did and they were going off information that whoever had my card had more than enough information to complete the transaction. I told them my wallet was stolen and my information was compromised. One guy XXXX told me that they didnt know who completed the transaction so its deemed authorized What kind of sense does that make? Of course someone had my information my wallet was stolen. Please help me get this back this is destroying my credit, I can not pay bills because of this and its ridiculous I even have to come here to report it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: PA

Complaint narrative:
I am filing a dispute regarding the accounts listed below, which appear on my credit report inaccurately and in violation of federal statutes and credit reporting guidelines : 1. Account Name : [ XXXX XXXX XXXX XXXX ] Account Balance : {$1000.00} Violation : Lack of permissible purpose to report this account on my credit file under 15 U.S.C. 1681b. 
Communication practices that violate 15 U.S.C. 1692c of the FDCPA. 
2. Account Name : [ XXXX XXXX XXXX ] Account Balance : {$2500.00} Violation : Same as above. 
3. Account Name : [ XXXX XXXX XXXX XXXX ] Account Balance : {$3000.00} Violation : Same as above. 
4. Account Name : [ XXXX XXXX XXXX ] Account Balance : {$7100.00} Violation : Same as above. 

Key Issues : These accounts are being reported inaccurately and possibly without legal authority or compliance with the Fair Credit Reporting Act and Fair Debt Collection Practices Act. 
The reporting entities have not provided validation of the debt, nor proof of a permissible purpose to access or report my credit file. 
These accounts are non-compliant with Metro 2 guidelines

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: PA

Complaint narrative:
I am filing a dispute regarding the accounts listed below, which appear on my credit report inaccurately and in violation of federal statutes and credit reporting guidelines : 1. Account Name : [ XXXX XXXXXXXX XXXX XXXX  ] Account Balance : {$1000.00} Violation : Lack of permissible purpose to report this account on my credit file under 15 U.S.C. 1681b. 
Communication practices that violate 15 U.S.C. 1692c of the FDCPA. 
2. Account Name : [ XXXX XXXX XXXX ] Account Balance : {$2500.00} Violation : Same as above. 
3. Account Name : [ XXXX XXXX XXXX XXXX ] Account Balance : {$3000.00} Violation : Same as above. 
4. Account Name : [ XXXX XXXX XXXX ] Account Balance : {$7100.00} Violation : Same as above. 

Key Issues : These accounts are being reported inaccurately and possibly without legal authority or compliance with the Fair Credit Reporting Act and Fair Debt Collection Practices Act. 
The reporting entities have not provided validation of the debt, nor proof of a permissible purpose to access or report my credit file. 
These accounts are non-compliant with Metro 2 guidelines

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
I am writing to report a fraudulent Affirm account that has been charged off and reported on my XXXX credit report. After thoroughly reviewing all three of my credit reports, I found this inconsistent account only listed with XXXX. 

I have already filed an FTC Identity Theft Report and a police report to document this fraudulent activity. Despite my efforts to resolve this matter by contacting Affirm directly, no resolution has been offered. This unresolved issue has created significant financial hardship for me. 

I kindly request your assistance in investigating this matter and ensuring that the inaccurate information is promptly removed from my credit report. 

Thank you for your time and attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of certain accounts and inquiries from my credit report. I am a victim of identity theft, resulting from a data breach. 
Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have all fraudulent information removed from my credit file. 
Accounts to Block and Delete 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 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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: TX

Complaint narrative:
I am the victim of identity theft. I have reported this to experian multiple times, with suporting documentation, and they refuse to delete the items. This is ruining my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: TX

Complaint narrative:
This company violated my rights to privacy and have not showed me proof of the original agreement and has negative items on my credit report I gave no permission to or signed any contracts for

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: OH

Complaint narrative:
Mohela has continually ignored my requests for information regarding my student loans. They give me a run around via email requesting more information about my accounts/loans ; then when I call I am either dropped or put on hold for ridiculous amounts of time. 
Furthermore, they continue to conduct themselves in an unscrupulous and predatory manner. Even though the courts have placed my loans into forbearance, Mohela alternates between listing me as overdue and having payments due in few days. I also attempted to switch my loans from the SAVE plan to a different income driven payment plan. It has been a considerable amount of time ( +two months, I am guessing ) and I have not been contacted once, or notified that they are even addressing the situation. 
I can not afford a $ XXXX per month payment, yet I can not get any help or even acknowledgement that a different payment plan or fair monthly payment is possible. 
Can I request that my loan servicer be changed? I am ready and willing to honor my obligation ( s ), if I am treated fairly and with some dignity/respect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had an error charge from a merchant. The merchant acknowledged the charge was in error but told me they would issue me a refund only when I go in to their store physically, which is not acceptable to me. 
I called Chase to dispute this erroneous charge. Chase told me that they won't go ahead with the dispute unless the merchant sent them a letter acknowledging this charge is in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: MI

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am disputing this debt because I do not owe it, because I am disputing this debt you should not report it to the credit reporting agencies. The Fair Debt Collection Act requires you to respect this request. See 15 U.S.C. 1692 ( c ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: WA

Complaint narrative:
The inaccuracies on my credit report are absolutely damaging and reflect accounts that do not belong to me. I am outraged that multiple complaints have resulted in no action whatsoever.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX sent me a bill for {$510.00} in XXXX under a different name, for services I never used. They demanded payment from me. Then Collection Management got involved and demands payment. I have nothing to do with the bill. I have an immaculate credit history with XXXX credit score which took many years of diligent attention and now this wrongful debt is on my record. I demanded proof from the collection company which they have not provided. I disputed this with XXXX and they just sent me a note that the debt will remain. How is that possible? I have never called XXXX XXXX XXXX ; I have never received services from them and I am not responsible for any payment. I want this debt to be taken out of my record immediately and for good. 

Thank you for your help and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: NY

Complaint narrative:
I am on the XXXX plan and was forced into forbearance. My interest rate is 0 %, but it shows that I have accrued XXXX XXXX XXXX XXXX in interest. The amount should be {$0.00}. Please correct asap, thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation