vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This morning, I discovered unauthorized inquiries on my credit report, and I have no idea why. I regularly check my report, but this time I noticed unexplained discrepancies. I refreshed my browser to rule out a glitch, but the inquiries didnt go away. I am extremely frustrated with this situation and need the documents I've submitted to be thoroughly reviewed to prevent this from happening again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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: WI

Complaint narrative:
In accordance with Fair Credit Reporting Act 15 UCS1681 ( a ) ( 1 ) ( A ). Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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: WI

Complaint narrative:
In accordance with Fair Credit Reporting Act 15 UCS1681 ( a ) ( 1 ) ( A ). Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : 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 2024-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
I am a XXXX  XXXX and represented an insured named XXXX XXXX, her lender is fay servicing https : //www.fayservicing.com. I recovered a check for this insured in the amount of {$35000.00}. The lender and I were both named payees of said check. The insured sent the check to the lender for their endorsement and they commandeered the check. Unbeknownst to me the homeowner was in foreclosure. Fay servicing cashed the check, without my permission, and then proceed to foreclose on said house. They kept all the proceeds and refuse to talk to me about it. I was a named payee on that check and am entitled to 20 % via my contract, I am also the reason it was ever issued in the first place. 

The insureds address is XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was reviewing my Experian credit report, the personal info section and noticed a phone number thats no mine on my report. I called Experian to see how phone number get added and was told by the person themselves or by a creditor. I disputed the number is not mine but wanted to know which creditor added the number to help narrow done if a credit account has been opened in my name that Im not aware of. Unfortunately Experian said they dont have that information to provide me. This baffles me that they will allow a creditor to add information to MY credit report without the information being verified and theres no way they can tell me which creditor added the information. So now Ill have to wait 5 months for whoever is using my SSN for the account to go to collections and try to figure who is using my info. I have Experian XXXX XXXX but wasnt notified that a new phone number was added to my account. I called the number and the number is active.

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 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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: TX

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-10-02 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: AK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AK XXXX XX/XX/2024 Experian XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It XXXX Concern : I recently received a copy of my Experian Credit Report and I noticed that late payments from Affirm is still posted on my report : Affirm Account # XXXX Your company is in clear violation of the law. Under XXXX XXXX XXXX purpose of consumer reports, THE LAW CLEARLY STATES : ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency XXXX furnish a Consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I did not give written instructions to furnish this account on my credit report. Furthermore, the FAIR CREDIT REPORTING ACT XXXX XXXX XXXX ( XXXX ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( XXXX ) EXCLUSIONS-Except as provided in paragraph ( XXXX ), the term consumer report Does not include- ( A ) Subject to section XXXX of this title, any- ( I ) report containing information solely as to transaction or experiences between The consumer and the person making the report : DELETE this XXXX  account # XXXX from my consumer report. This agency is in violation of XXXX XXXX XXXX. Failure to respond satisfactorily with the deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of character. XXXX. Negligent Enablement of XXXX XXXX. XXXX. XXXX XXXX Collections Practices XXXX XXXX XXXX XXXX violations. XXXX. Fair Credit Reporting Act XXXX XXXX XXXX Violations for willful noncompliance XXXX. Civil liability for willful XXXX XXXX XXXX XXXX 

This agency has violated the laws and is the only agency reporting this account. Experian is not providing accuracy. 

Under XXXX XXXX XXXX XXXX of Report. 
Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy. All three XXXX XXXX are to provide the same information on my credit report. 
DELETE THIS XXXX  ACCOUNT # XXXX. 

Best Regards, 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 2024-10-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I did a debt consolidation loan with XXXX XXXX XXXX XXXX. I had three credit cards : Lowes, Amazon, and Rooms to Go. All three credit cards are financed by Synchrony Bank. Checks were disbursed to all three cards from XXXX XXXX XXXX XXXX. 
The balance for the Amazon XXXX Credit Card was {$1100.00}. Synchrony Bank processed the Amazon XXXX balance ( {$1100.00} ) on the Rooms-to-Go account. 
When I called for them to transfer those funds to my Amazon XXXX Credit Card on XX/XX/XXXX, you can see from the screenshot. The correct balance was applied to Amazon XXXX Account. 

Here is the big discrepancy, although the funds were transferred from Rooms to Go and then to Amazon XXXX Card, the {$1100.00} was never removed from the Rooms to Go database. The accounts were closed. Synchrony Bank refuses to remove the {$1100.00} from the Rooms-to-Go account. As you can see, they have labeled the {$1100.00} as a purchase, which is incorrect because the account was closed. 

I only owed {$1100.00} to Synchrony Bank. The current balance is coming from the bank adding {$1100.00} plus {$1100.00} plus interest. I have always had a good credit history with Synchrony Bank.

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 2024-10-02 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
After checking my credit report, I discovered multiple billing inaccuracies. The late payments shown do not correspond with my regular payment history.

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 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XX/XX/year> Dear XXXX : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. i have attached the FTC report and contacted the police department and obtained a police report which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize please see attach ftc. 

Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Sincerely, 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 2024-10-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Benht: Economic Development Corporation
State: TN

Complaint narrative:
I requested a {$1200.00} payday loan. I agreed to repay the loan with auto draft payments of over {$300.00} to repay the loan plus some interest. I have attached a loan agreement of ridiculous interest charges that I mistakenly agreed to. I am making plans to payoff the loan in full. But, I attached the agreement for evidence. They should have consequences for such usury.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Subject : Dispute of Charged-Off Accounts Dear Sir/Madam, I am writing to formally dispute the charged-off accounts listed on my credit report under the account numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently reviewed my credit report and noticed that this account is being reported as charged off, which I believe is inaccurate and misleading. 

I would like to bring to your attention the following points regarding this account : 1. Incomplete or Inaccurate Reporting : The information provided in the credit report regarding this charged-off account is incomplete and inaccurate. It fails to reflect the correct details of the account, including the original account balance, payment history, and subsequent account activity. I request that you thoroughly investigate this matter and ensure that the information reported is complete, accurate, and up to date.

2. Verification of Debt : I request that you provide me with the necessary documentation to verify the existence and validity of this debt. This includes the original signed contract or agreement, details of any payments made, and a record of the account 's transaction history. It is my right as a consumer to receive this verification, as stated in the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

3. Statute of Limitations : Please note that the statute of limitations for collecting this debt may have expired. I urge you to verify the applicable statute of limitations for this account and confirm whether the reporting of this charged-off account is in compliance with the relevant state laws.

4. Resolution : I hereby request that you promptly investigate this matter and take appropriate action to correct the inaccuracies in the reporting of this charged-off account. If, after your investigation, you find that the information is incorrect, I kindly request that you remove the account from my credit report entirely. 

Please provide me with a written response within 30 days of receiving this letter, as mandated by the FCRA. If you are unable to complete the investigation within this timeframe, please inform me of the delay and provide an estimated date of resolution. 

Furthermore, I would like to request that you notify all other credit reporting agencies to which you have provided this inaccurate information about the dispute and the action taken to rectify it. 

I look forward to your prompt attention to this matter and the resolution of this dispute. Please consider this letter as a formal request for investigation under the FCRA. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: GA

Complaint narrative:
I am filing this complaint regarding inaccurate information being reported by Discover Bank to the credit reporting agencies in relation to my account ( Account XXXX : XXXX ). Specifically, Discover Bank has inaccurately reported late payments during a period when my account was under an accommodation due to the XXXX pandemic, as provided under the CARES Act.

Details of Complaint : Inaccurate Late Payment Reporting : My account was current before I entered into an accommodation under the CARES Act, which was put in place due to financial hardship during the XXXX pandemic. Under the CARES Act, any accounts that were current before the accommodation should continue to be reported as current during the accommodation period. 
Despite this, Discover Bank reported late payments during the accommodation period, which inaccurately reflects my payment history. I request that these inaccuracies be corrected. 
Violation of the CARES Act : The CARES Act requires that accounts in accommodation remain reported as current if they were current prior to the accommodation. This was not adhered to, as the late payments were incorrectly reported during that period. 
Violation of the Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ), Discover Bank is required to provide accurate information to the credit reporting agencies. This requirement has not been met, and I am invoking my rights under this law to request an investigation into these discrepancies and the necessary corrections be made

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
I tried transferring money from my XXXX to my Chime account. The amount was for XXXX on XX/XX/XXXX. I called XXXX to see what was going on as the money is usually there by the end of the business day. XXXX informed me that chime denied the transaction with the line " Non transactional account. '' When I called Chime they denied even having a record of the transaction. I asked for a supervisor and put on hold. The supervisor then acted like they couldn't hear me and I ended up having to hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I always meet my payment deadlines, so I dont understand why this company reports me as late. USC 1666b says billing mistakes must be corrected, and my account should reflect " paid as agreed. ''

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 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I always meet my payment deadlines, so I dont understand why this company reports me as late. USC 1666b says billing mistakes must be corrected, and my account should reflect " paid as agreed. ''

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 2024-10-02 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: FL

Complaint narrative:
Im honestly in shock after finding inaccurate accounts on my credit report this morning. Ive been checking my report regularly, and out of the blue, discrepancies appeared. I refreshed my browser, thinking it was a temporary glitch, but the problem didnt go away. I really need the documents I sent to be checked properly so I can stop worrying about this.

Company response to consumer: Closed with non-monetary relief