vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-11 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: MO

Complaint narrative:
Good Morning, Request for Deletion of XXXX I hope this letter finds you well. I am writing to formally request the deletion of Collection, as per the terms of the XXXX XXXX XXXX that was previously agreed upon between your company XXXX XXXX XXXX and XXXX as outlined in the agreement, the purpose of the XXXX XXXX XXXX was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the collection as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within XXXX business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.

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 2024-12-11 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: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
XXXX XXXX sold me a fake Apple XXXX XXXX XXXX XXXX, and denied my return. I filed a chargeback with Apple Card support, and they denied it on the grounds that " XXXX provided evidence to the contrary '' but have not provided me the evidence yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
To Whom It May Concern, This letter serves as a final and unequivocal demand for the immediate removal of the inaccurate and misleading information you are reporting regarding XXXX XXXXXXXX XXXX account with XXXXXXXX XXXX ( formerly XXXXXXXX XXXX ), Account Number : The account in question has been paid in full as of XX/XX/XXXX, as explicitly confirmed by XXXXXXXX XXXX in XXXX dated XX/XX/XXXX. Your refusal to update or remove this inaccurate information is a direct violation of federal law, specifically the Fair Credit Reporting Act ( FCRA ), and is causing significant harm to my business, reputation, and financial standing. This is harming my business from doing banking. 

ChexSystems has failed in its legal obligation to ensure the accuracy of the information it reports, and this negligence has resulted in material damages. You are now in clear violation of the following statutes : 15 U.S.C. 1681a ( 2 ) ( i ) Information derived solely from transactions or experiences between the consumer and the reporting entity is excluded from the definition of a consumer report. As the reporting entity in this matter, XXXXXXXX XXXX information should not appear on your system. 
15 U.S.C. 1681s-2 ( b ) You are required to investigate and correct inaccurate information upon dispute. Your failure to correct this issue demonstrates gross noncompliance. 
15 U.S.C. 1681n and 1681o Your actions constitute willful and negligent noncompliance, exposing ChexSystems to legal liability for actual damages, statutory damages, punitive damages, and legal fees.

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 2024-12-11 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: NY

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2024-12-11 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: NY

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 XXXX out of XXXX 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 2024-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
I still have no knowledge of this debt. Because it was preventing me from getting approved on my mortgage, I did pay it. I was told they would send me a letter stating that it would be removed from my credit report. Instead I just got a receipt for the payment. I need a letter of deletion according to my mortgage lender. I will include proof of payment in this ticket. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: FL

Complaint narrative:
XX/XX/2024 Subject : XXXX XXXX Equifax for Inaccurate Late Payment Reporting Dear CFPB, I am writing to formally file a complaint against Equifax regarding inaccurate information on my credit report related to late payments reported for my XXXX account ( Account Number : XXXX ). Despite submitting XXXX formal disputes on XX/XX/2024 and XX/XX/2024, no corrections have been made. This negligence violates several provisions of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Violations Identified : Fair Credit Reporting Act ( FCRA ) : Under 15 U.S. Code 1681i, credit reporting agencies are obligated to investigate disputes and ensure the accuracy of the information they report. The persistence of inaccuracies in my report indicates a failure to comply with this requirement.

Truth in Lending Act ( TILA ) : According to 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before the payment due date. The inaccuracies in late payment reporting suggest a violation of this provision.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the responsibility of creditors to provide timely statements, thereby preventing unfair penalties to consumers.

Desired Resolution : Immediate removal of the inaccurate late payment notations from my credit report.

Written confirmation of the corrections made.

If this issue is not resolved promptly, I will escalate my complaint to other relevant agencies and consider taking legal action to address the harm caused by these inaccuracies. 
Thank you for your attention to this matter. Please contact me if further information is required. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: TX

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the cre
ditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I received a notification on XX/XX/year> that my Experian score went down XXXX points. 
I received another notification on XX/XX/year> that it went down XXXX points. 
I tried to file a dispute online with Experian. However, they only generated report number. I could not complete the report because they blocked my ability to file a dispute. 
So I called Experian today and talked to XXXX. She said they cant give me any reason? This is NOT right. I should be able to see WHY they have randomly taken my score down a total of XXXX points within a two-week period. I know they used to give a reason for a score change. Now they just do whatever they want without any explanation.

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 2024-12-11 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
Unauthorized inquiries were placed on my credit report from XX/XX/year>, to the present. These inquiries are not associated with any account numbers. FCRA says all inquiries must be linked to an account number. I have no account with these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: Global Lending Services LLC
State: TX

Complaint narrative:
Unauthorized inquiries were placed on my credit report from XX/XX/year>, to the present. These inquiries are not associated with any account numbers. FCRA says all inquiries must be linked to an account number. I have no account with these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: FL

Complaint narrative:
Creditor : XXXX  Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am filing a formal complaint against Navient for reporting inaccurate late payment information on my credit reports to XXXX, XXXX, and XXXX. Despite repeated disputes over the last several months, Navient has failed to correct these errors or provide verifiable proof of the late payments. 

Key Issues : Inconsistent Payment History : The payment records display 90-day and 120-day late payments without any prior 30-day late payments. It is impossible to be reported as 90 or 120 days late without first being 30 days late, indicating clear errors. 

Contradictory Information : Different credit bureaus report conflicting information for the same accounts, highlighting inaccuracies in the data provided by Navient. 

Unverifiable Late Payments : Navient has not provided any documentation to substantiate these late payments despite multiple requests. This violates the requirement for information to be accurate, complete, and verifiable under the Fair Credit Reporting Act ( FCRA ). 

FCRA Violations : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers must ensure that the information they report is accurate. Navient 's reporting of inconsistent and illogical late payments violates this requirement. 

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Credit bureaus are required to correct inaccuracies within 30 days of a dispute. This has not been done despite several disputes.

15 U.S.C. 1681s-2 ( b ) : Furnishers must conduct thorough investigations of disputed information and correct any inaccuracies. The failure to correct these issues suggests this obligation has not been met.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate information that has been reported on my consumer file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to accurate and complete information in my consumer reports, and I believe the following item ( s ) to be erroneous : Creditor/Company Name : XXXX XXXX Account Number : XXXX Inaccurate Information : o The " Monthly Payment '' is reported as " {$4700.00} '' by XXXX and Experian but is listed as " {$4700.00} '' by XXXX, leading to discrepancies in financial obligations. 
o The " Number of Months ( terms ) '' is listed as " XXXX '' by XXXX and Experian, but XXXX inaccurately lists this as " XXXX. '' o The " Date Last Active '' is reported as " XX/XX/year> '' by XXXX but " XX/XX/year> '' by Experian, while XXXX does not provide this date. 
o The " XXXX XXXX XXXX '' shows inconsistent delinquencies. For example, Experian and XXXX report delinquencies of " 120 days late '' in XXXX and XX/XX/year>, while XXXX does not report these delinquencies for the same period. 
o Comments are inconsistent across bureaus. Experian includes a " CONSUMER STATEMENT ITEM IN DISPUTE BY CONSUMER, '' while XXXX includes " XXXXXXXX XXXX XXXX XXXX XXXX. '' XXXX provides no comments at all.

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 2024-12-11 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:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My right to privacy is protected under laws enacted by Congress to safeguard consumers. By permitting unauthorized access to my financial information, you have not only breached federal statutes but have also trampled on my constitutional rights, causing undue harm and distress.

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 2024-12-11 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: OneMain Finance Corporation
State: DE

Complaint narrative:
There is an unauthorized and inquiry without permissible purpose from listed on XXXX, from ONEMAIN ; category " Personal Loan Companies '' and XX/XX/2024. Please have this removed from my report as any inquiry outside of my authorization is a means of fraud and XXXX, XXXX and XXXX have to maintain Consumer 's Report 's with accuracy and maintain the Consumer 's rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: TX

Complaint narrative:
My name is XXXX XXXX. I am not filing this claim as a third person. I am a living woman whose privacy rights have been violated. The accounts listed below have been reporting to my personal reports and have had a negative effect on my life, extremely reducing the ability to obtain any credit in my name. 

ACCOUNT : XXXX, AMOUNT {$9600.00}, ACCT XXXX ACCOUNT : XXXX XXXX XXXX, AMOUNT {$840.00}, ACCT XXXX ACCOUNT : XXXX XXXX XXXX XXXX {$0.00}, ACCT XXXX ACCOUNT : XXXX  XXXX XXXX XXXX XXXX XXXX {$540.00}, ACCT XXXX ACCOUNT : XXXX XXXX, AMOUNT {$110.00}, ACCT XXXX ACCOUNT : XXXX, AMOUNT {$610.00} XXXX ACCT XXXX ACCOUNT : XXXX XXXX XXXX AMOUNT {$670.00}, ACCT XXXX ACCOUNT : XXXX XXXX XXXX XXXX, AMOUNT {$2000.00} XXXX ACCT XXXX ACCOUNT : XXXX XXXX, AMOUNT {$660.00}, ACCT XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX via XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX via XXXX XXXX XXXX XXXX OUTDATED PERSONAL INFORMATION XXXX ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX. 

I have asked the companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
We purchased a XXXX Honda XXXX XXXX XXXX on XX/XX/XXXX. At the time, our credit rating was XXXX. Considering that, we would have thought we could have been given a lower interest rate on our Honda Financial Services loan. Honda website says a better rate may be considered for buyers with excellent credit ratings. Honda would not budge on the 3.9 %. I see now, 2 months later, the interest rate on the Passport is at 1.9 %. It seems unfair to us. We would like to be able to refinance our loan at the current rate Honda is offering.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: GA

Complaint narrative:
I am requesting the removal of an account from my credit report due to errors in its reporting. The closing date and last verified date for the account are incorrect and do not align with accurate records. 

XXXX XXXX XXXX # XXXX These discrepancies violate the Fair Credit Reporting Act ( FCRA ). Please investigate and remove this account from my report. I have attached a copy of my credit report with the disputed item highlighted.

Company response to consumer: Closed with explanation