vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

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 2024-09-13 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Dispute of Fraudulent Accounts and Identity Theft I am writing to dispute the fraudulent accounts on my file and assert my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

I assert that : 1. The accounts on my file are a result of identity theft ( 15 U.S.C. 1681c ) 2. The information on my file is inaccurate and incomplete ( 15 U.S.C. 1681e ( b ) ) 3. You have failed to conduct a reasonable investigation of my dispute ( 15 U.S.C. 1681i ) I demand that you : 1. Immediately remove the fraudulent accounts from my file 2. Conduct a thorough investigation into the identity theft XXXX. Provide me with a corrected copy of my credit repost Failure to comply with this demand within 30 days will result in further action, including : Pursuing legal remedies under 15 U.S.C. 1681n and 1692k Seeking damages for violations of the FCRA and FDCPA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
In XXXX XXXX XXXX, I and my wife elected to replace the windows in our home. At that time, we were not going through any financial hardship. But in XXXXXXXX XXXX XXXX, my wife 's grandmother passed away unexpectedly. This caused emotional stress for my wife and eventually led to her closing her business. Along with that, my XXXX XXXX XXXX XXXXXXXX XXXX ended in XXXX. This made our financial situation exponentially worse. 

When my wife terminated her business, we lost {$1500.00} to {$2000.00} a month. When my XXXX XXXX ended 3 months later, I XXXX XXXX XXXX XXXX XXXX. Unfortunately, XXXX XXXX XXXX  was significantly less than when I was XXXX My pay was reduced by nearly {$4000.00} a month. Ultimately, we are still recovering from the lost income. 

Ally Lending Bank reached out to me starting in XX/XX/XXXX. From the first phone call, I explained to them that we were going through a financial hardship and that we would need some assistance in making the payments. They said because the first payment is due, that they can't offer any financial assistance at this time. Later on, Ally Lending was acquired by Synchrony Bank and when they would contact me, I explained that me and my wife are going through a financial hardship and that we would need some assistance in making the payment. The representative said that they don't have any form of financial assistance and that if we could pay any amount that would be fine. 

These conversations went on for several months. And every time I would speak to Synchrony, I expressed to them that I was going through a financial hardship. Finally, after several months of verbally communicating with the creditor, in XXXX, I received a letter from a debt collector stating that they were reaching out to me attempting to collect a debt. How can I dispute this with the creditor?

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 2024-09-13 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: TomoCredit Inc.
State: NY

Complaint narrative:
Tomoboost VIP Journey subscription service promises to report current bills and a credit line of $ XXXX to all bureaus for a hefty price of $ XXXX. I got this subscription based on those claims and waited to see the impact. The first month passes and I check to see my credit report but see nothing reported. I reached out to their support team but don't get a response. I reached out again and again and a few weeks later i got a response. They said that it could take 45 -90 days for the reporting to reflect on my credit report. The 90 day mark passes and still nothing. I paid them for three months and got nothing from them - Not a single one of the services they claimed to provide. I keep emailing the support/customer care team but only get a response on average after the third follow-up. They don't have a customer service number to call either. It has been a hard battle to get them to cancel the subscription. You can't even get the receipt for the payment of the subscription. I asked them for a refund as they never provided the service, and they have declined and stopped responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: NJ

Complaint narrative:
In XX/XX/XXXX, I fully settled a debt with a collection agency related to a credit card account originally held with XXXX  XXXX XXXX. The collection agency assured me that, upon settlement, the charge-off status would be removed from my credit report. Despite this, the charge-off remains on my report, negatively affecting my credit profile. 

I disputed this with Experian, and while some information was updated, the charge-off status still appears inaccurately. The balance on the account should have been updated to {$0.00}, but it has not been corrected. This is a violation of FCRA XXXX ( b ), which mandates that credit reporting agencies maintain maximum accuracy in the information they provide. 

Additionally, the charge-off has been reported repeatedly across multiple months, from XX/XX/XXXX to XX/XX/XXXX, creating the false impression of an ongoing charge-off event. This practice, known as re-aging, inflates the negative impact on my credit history, violating the accuracy standards set by the FCRA. 

Furthermore, under FDCPA XXXX ( XXXX ), the collection agency 's failure to remove the charge-off despite promising to do so upon settlement constitutes a misrepresentation of the debt status. 

Requested Resolution : I request the complete removal of the charge-off from my credit report, as this information is inaccurate, misleading, and a violation of both the FCRA and FDCPA. The presence of this charge-off is unjustly affecting my XXXX XXXX, and I expect it to be corrected promptly.

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 2024-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I keep trying to create an account on Experian to unfreeze my credit report, but I always receive a message from them stating, " Your user account has been created, but the registration process failed for some reason. Please sign in to your account and try again. If you continue to have issues, please contact Customer Care at ( XXXX ) XXXX. '' I attempted to call customer care, but they were not helpful at all. They do not have human customer service representatives, so I could not reach anyone to assist me with my issue. Therefore, I am filing a complaint against Experian. I need a way to unfreeze my credit report with Experian.

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 2024-09-13 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: MD

Complaint narrative:
I am writing to express my continued frustration and disappointment regarding the lack of action taken on my previous dispute concerning the unauthorized hard inquiries on my credit report. Despite my initial request and follow-up communications, these inquiries remain unaddressed, while both XXXX and XXXX have already promptly removed all the inquiries I disputed with them. You are now the only bureau that has failed to comply with my rightful request under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 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: CA

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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.

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 2024-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I still havent received no response on initial complaint and iv called several times and still the department has not gave me anything.

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 2024-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC
State: CA

Complaint narrative:
I believe my loan servicer is fraudulently attempting to foreclose on my property, by using deceptive practices related to my property taxes. I own a property in XXXX, GA. When I closed on the property in XXXX of XXXX ; the XXXX taxes were paid in closing through the escrow company. My loan servicer, Cross Country Mortgage, sent me a letter in XX/XX/XXXX saying that the taxes were never paid. I immediately provided proof of payment. In XX/XX/XXXX, they sent me a letter verifying that the taxes were in fact paid and the matter was resolved. In XX/XX/XXXX, they sent me another letter saying that I still owed XXXX taxes and they were paying XXXX XXXX the $ XXXX on my behalf, and would later bill me for the tax payment. I immediately called upon receipt of this letter, and the Cross Country Mortgage representative confirmed that this new letter was a mistake. I was told it would be corrected. Now, in XXXX of XXXX, I am attempting to make my mortgage payment on time, as I have always done so consistently in the past, but I can not, because Cross Country has forced my account into an escrow account with a negative balance for the XXXX back taxes. Most importantly, the mortgage company has intentionally ignored my proof of payment of my property taxes and my repeated attempts by phone to have this matter fixed. Due to this incorrect escrow account my mortgage payment has increased by {$1500.00}. I can not afford this additional amount, and to make matters worse I have to pay the new XXXX taxes to XXXX XXXX by XX/XX/XXXX. I am suffering from serious emotional and financial strain due to the fraudulent practices of Cross Country mortgage, since their payment system does not allow me to make even my regular mortgage payment, and instead requiring the entire payment in full including escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc.
State: PA

Complaint narrative:
I made my loan payment 1 day before it was due ( XX/XX/year> ) using my debit card which I keep locked because of data breach from my bank. My first attempt to pay was declined because of the locked card. I then unlocked my card and made a successful payment. I was told my payment for XXXX was an automatic withdraw from my bank. Since I paid this 1 day early their ( system ) automatically took the first attempt to pay was used to make a payment for XXXX which was decline as I stated when I attempted to pay for XXXX. Then the second and successful attempt to pay for XXXX was used to pay my XXXX payment by their ( system ). Since the first payment attempt was denied by my bank their ( system ) now says my XXXX payment is past due. So my early payment was used for XXXX payment and now in their ( system ) is saying my XXXX payment is late and that I need to Pay my XXXX payment and my XXXX payment also to become current. I reached out to their chat on the app. Was told by the chat person that she had a resolution for me and ended the chat abruptly. Nothing happened My second attempt on their app I was told no one in their company could do anything about this I questioned her to ask if someone could fix this and was told what happened in their system again and that no one could adjust this or fix the ( systems ) mistake. I then called them and was told the same thing by the person I spoke to. I then asked to speak to his supervisor and when talking with him he explained the ( systems ) mistakes. I ask him if anyone in the company services their ( system ). I was told no one in the company had anyway to fix this. I did not make a mistake but their system did and I am left with a payment made for XXXX, a unsuccessful XXXX payment and to top it all off according to their ( system ) I still owe my XXXX payment which is what I made the payment for in the beginning

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
In XXXX when I XXXX  my monthly payment for my federal student loan was more than I could afford. I contacted Sallie Mae and their 2 suggestions were deferred payments or consolidation of my loans. I chose consolidation but was never told they would go from federal to private. 

I was paying faithfully each month until late XXXX when I had to stop. In XXXX of XXXX my husband worked out a payment plan with XXXX, employee with Navient who said we could get a payoff amount once the loan was current. My husband contacted Navient to get the payoff amount. Navient staff said they never did that and wouldnt do it. My husband filed a claim with the XXXX XXXX XXXX and was basically told you have to pay the loan. 

I am a XXXX XXXX and will be paying this loan until I am XXXX. There are many days I XXXX  myself for going back to school and incurring this huge debt that wont go away. 

Thank you for reading this and thank you for getting Navient to realize they have made way too mistakes handling peoples finances XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am filing a 3rd complaint against Equifax Information Services. After learning that my personal information was exposed in late XX/XX/XXXX, I made a request to all XXXX agencies. Only Equifax refuses to provide my report. Violation of Federal law. I have 2 other open complaints with CFPB because they keep sending me the same letter requesting information that has already been sent to them. I have submitted all of the information Equifax requested on 2 occasions. I can't keep paying the post office because Equifax is either losing things or simply aren't doing their job. I am retired and do not a pay stub or XXXX. The SS card was submitted but I am not submitting it here per your guidelines. I provided multiple items that prove my current address and even sent them a page of last credit report they sent me in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: PR

Complaint narrative:
1- On XXXX XXXX XXXX the company XXXX XXXX XXXX XXXX XXXX credit without my consent. 

2- On XXXX XXXXXXXX XXXX the XXXXXXXX XXXX  XXXX Inquiry my credit without my consent.

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