vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to help me dispute several inaccuracies on my credit report, which have caused an unjustified drop in my credit score from XXXX to XXXX between XX/XX/2024, and XX/XX/2024. Upon review of the reported factors, I have identified multiple errors and inconsistencies that I believe are violations of the Fair Credit Reporting Act ( FCRA ). 

1. Average Age of Accounts Experian claims my average age of accounts decreased from 4 years, 2 months to 4 years, 1 month. After recalculating, my average age of accounts is 4 years, 6 months. Please provide verification of how this data was calculated and correct the reported average age. 

2. Credit Limit Experian reports my total credit limit decreased by {$450.00}, from {$14000.00} to {$13000.00}. This is false. My credit limit has increased to {$16000.00} due to the addition of a new XXXX XXXX card established in XX/XX/2024. This card has not been reported on my credit report. 

XXXX. XXXX XXXX Experian reports that my trade lines decreased from XXXX to XXXX. This is incorrect, as I currently have XXXX open trade lines, including the XXXX XXXX XXXX card ( established XX/XX/2024 ) and an XXXXXXXX XXXX XXXX, both of which are absent from my credit report. 

4. Revolving Accounts Experian also claims my revolving accounts decreased from 3 to 2. This is incorrect ; I currently have 6 revolving accounts open.

attached is all info needed to correct errors on my credit report These errors have directly impacted my credit score, and I request that these inaccuracies be corrected immediately. Under the FCRA, Experian is obligated to ensure the accuracy of the information reported and respond to disputes within 30 days. 
also Experian has failed to report my affirm loan accounts also Requested Action 1. Update and correct the following errors : Average age of accounts to 4 years, 4 months. 
Credit limit to reflect {$16000.00}.

Trade lines to reflect 5 open accounts.

Revolving accounts to reflect 6 active accounts.

2. Restore my credit score to its accurate value of XXXX. 
report my affirm loan accounts that are all paid and in good standing If these issues are not corrected promptly, I will pursue further action, including legal recourse, as Experians failure to report accurate information is a violation of the FCRA.

You may contact me at ( XXXX ) XXXX or XXXX with updates. I expect a detailed response regarding the results of your investigation. 

Thank you for your attention to this matter.

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 2024-12-20 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: NY

Complaint narrative:
in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C.1681 section 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681S-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: NM

Complaint narrative:
XXXX has duplicate entries/accounts of my student loans on my TransUnion credit report, making my total debt nearly twice what it actually should be. 

I tried calling the company directly on XX/XX/XXXX to address the issue. I spoke with a representative and she transferred me to someone who handled credit reporting. After waiting on hold for 3 hours and 41 mins of total call/wait time, I hung up.

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 2024-12-20 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: CA

Complaint narrative:
upon running UCC-11 certified search of my name it has come back that I have no debt, so I check my credit report and I there is a lien/debt in my name being furnished by XXXX XXXX card services fraudulently !!! account # XXXX, open date XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, Citi reduced my revolving credit limit on two different cards. While this behavior is typical of most credit card issuers, Citi reduced my credit limit leaving me less that {$100.00} dollars in available credi. The available credit they left me with will not cover the monthly interest charge. When interest is applied, I would immediately be over my credit limit and subject to over limit fees. Leaving so little available credit while knowing it the application of monthly interest charges will put me over my limit is predatory behavior. This is the second occurrence of a drastic limit reduction that would put me in danger of exceeding my credit limit. These are not the actions of a bank acting in good faith.

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 2024-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: AL

Complaint narrative:
I have been complaining about discover reporting negative to my credit reports. Discover refused to apply any excess amount to the highest interest rate balance. Even if i was making {$20.00} extra on my payment. The oldest balance with the highest interest wasn't reduced. After numerous complaints I noticed that even when I made a payment my balance was still increasing by small amount, then that amount started to get even larger. When I complained about the balance not going down Discover started marking my account as past due.The payment amounts reported on credit reports wasn't the amounts Discover was showing i was due. They reported false and inaccurate information with the intention of hurting my credit. Deliberately knowing the information was not the truth. Discover finally blocked my account so I couldn't gain access any longer

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I had a lost in the family, lost some income the hurricane and after 6 months they just told me they cant help me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Block, Inc.
State: MA

Complaint narrative:
I received a Cash App, XXXX debit card in the mail at my home, addressed to my maiden ( former ) name. I did not open this account or authorize anyone to open this account on my behalf. This account was fraudulently opened. 

Separately, I also received a XXXX XXXX Credit Card that was also fraudulently opened in my maiden name, after a hard credit check appeared on my Credit report, which I did not authorize. This card was mailed to my then address ( evidencing that this perpetrator obtained my change of address information ). 

I contacted XXXX regarding both incidents and they assisted me with cancelling the 2 cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the FTC report. If this situation is not handled accordingly, I will seek legal action against you guys.

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 2024-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
These companies buy debt for pennies on a dollar and expect you to pay it back even though you went through identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
I leased a vehicle from GM Financial. My purchase price of my vehicle after taxes and rebates was {$44000.00}. This amount was used for calculating my payments. However, my vehicle was an XXXX, and GM Financial collected {$7500.00} in federal tax credits for " purchasing '' my vehicle. 

This week, my vehicle was rear-ended and we were determined to be not at fault for the accident. The other party 's insurance company ( XXXX ) has determined this vehicle will be a " total loss '', and will pay approximately {$38000.00} as the fair value for the vehicle to GM Financial, which accounts for the fact that a re-sale would NOT be entitled to the {$7500.00} tax credit. 

However, GM Financial is calculating a " Purchase Amount '' to end the lease and purchase my car for {$43000.00}. This amount is clearly standard depreciation of the vehicle based on the original purchase price, but does not factor in that GM Financial collected the {$7500.00} tax credit. 

If we agree to the {$38000.00} amount from XXXX, and the {$43000.00} purchase option, we will be stuck with a {$5000.00} bill to pay to GM Financial, and we were not even at fault for the accident. It is clear that GM Financial is not properly accounting for tax credits received on XXXX when calculating their payoff amounts. 

GM Financial collects the {$5000.00} in profit for holding my lease for 3 months, and if i were to lease again when replacing my vehicle, they would get the right to own my lease again for an additional profit. 

Operating with awareness of this discrepancy borders on fraud, and would not be permitted in any other financial services industry. 

XXXX XXXX XXXX GM Financial Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Ive been requesting assistance from Experian since the beginning of the year around XX/XX/XXXX for identity, theft protection, and assistance as advertised for identity theft when you call the automated line tells you that they will work with the police and your creditors to assist you in identity theft, and they will walk you through identity, theft restoration and theyll even work with the police to help you solve your problems. I have contacted Experian on numerous occasions and they advise that they can not assist with talking with the police or talking to the creditors, they tell me that They will walk me through on how to submit the information and talk to these individuals in these companies rather than actually assisting, it is false advertisement. I have had an account with them since 2021 and Ive been paying for services that are advertised in a way for assisting the entire way through this process of identity theft now when you call their call center does not assist they do not call you back. They do not help you with identity theft they do not assist in what they advertise. It is false advertising and I would like a resolution I would like what I have paid for for the past 3 to 4 years And I would like for them to contact me and get a specialist. I have been XXXX  out by their main office in California they told me that they dont put people through to anyone for assistance.

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 2024-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Contacted Wells Fargo after opening a checking account. Tried to deposit a XXXX check, but they said it was too high. Was charged numerous overdraft fees. 

Then the savings accounts began to open. I didn't apply for any savings accounts, then another opened without my consent. A third account was again opened without my knowledge.

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 2024-12-20 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: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-12-20 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
XXXX Credit Report Check your credit report for signs of theft, fraud, or error. 
Updated : XX/XX/XXXX Back to Credit Summary Accounts With a Negative Pay Status LENDER TYPE BALANCE SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remarks Charged off as bad debt. Profit and loss write-off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
My home was a new construction home and my builder collected for annual property taxes from me directly, which he paid to the county. I also paid into my escrow account for the annual property tax bill and those dollars are being held in my escrow account. Speaking with a customer service representative, they stated I had to send an email to their escrow team ( evidently can't be completed by phone ). It has been over a month now since my complaint with them was submitted and I still can't get someone to respond to me. Please help me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-12-20 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: GA

Complaint narrative:
Experian keeps reporting that my child support is active and its been closed for years. Ive sent paperwork from state and they still wont change 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 2024-12-20 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: IL

Complaint narrative:
I have tried to resolve this issue with Equifax via phone and certified mail several times. They continue to incorrectly report this account as a charge-off, which has significantly impacted my score compared to the other 2 major bureaus. They report this as a charge off and as you will see by myFico report this is inaccurate. I have requested and investigation as well as several reinvestigations with no response. Now I feel this is the only way to get an answer and get this removed from my credit report. Thank you for your time. 

Account : XXXX listed as : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: UT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX : XXXX ( XXXX ) XXXX : XXXX Experian XXXX XXXX XXXX, TX XXXX Subject : Request for Verification and Validation of Collection under 15 U.S.C. 1692g To whom it may concern : I am writing to formally dispute a collection that appears on my credit report managed by Experian. Upon my review, I believe this collection may not meet the validity and verification requirements established under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to the aforementioned law, I formally request that : I am provided with written verification that this debt is valid, including details such as the original amount, the original creditor, and documentation proving my legal responsibility for this debt. 

The debt is validated to ensure that the reported information is complete and accurate. 

If this collection can not be validated, it is immediately removed from my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

Attached to this letter, you will find a copy of my government-issued identification and a proof of address to facilitate the investigation process. Please inform me in writing of the results of your investigation and any actions taken within the timeframe established by law. 

I hope this matter will be resolved fairly and in compliance with applicable federal laws. I appreciate your attention and look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX : 15 U.S.C. 1692g ( Debt Validation ) This section stipulates that within five days of the initial contact with the consumer, the collector must provide a written notice including : The total amount of the debt. 

The name of the original creditor. 

A statement indicating that the consumer has 30 days to dispute the validity of the debt. 

If the consumer disputes the debt, the collector must provide written verification. 

If the debt is not properly validated, it can not be legally reported or collected.

Company response to consumer: Closed with explanation