vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-11 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: FL

Complaint narrative:
It has come to my attention that although I have written several letters asking for validation of debt, audit trails I am not getting any response because of the automated system you have in place which in fact is a violation as well.. 

When it comes to uploading my documents on your portal, it is difficult for the consumer to upload the pending documents needed to expedite my dispute claim. That is a violation of my consumer rights. I have reported this concern on several occasions. 


Today, I am demanding these accounts to be removed immediately off my credit as it is in violation to the following federal constitutional laws : 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy.

I did not give consent to these accounts.

Or permissible purpose.

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me.

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 2024-09-11 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: GA

Complaint narrative:
I am a victim of the security breach my information was used to obtain loans I made the companies aware and they refuse to remove the inaccuracies violating my rights under the FCRA. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$11000.00} which has been on my credit for 8 years and 3 months, also a credit card from XXXX bank {$1100.00}. i have put the companies on notice these accounts are inaccurately reported. Under 15 U.S Code 1681 ( e ) 15 U.S Code 1681 ( I ). 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a )

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 2024-09-11 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was a victim of identity theft and my information was used to create a store credit card at Home Depot. I called the company as soon as I received an account statement in the mail ( XX/XX/XXXX ) that I was not familiar with. The fraudulent charges on XX/XX/XXXX were from a Home Depot far away from my home and for {$3900.00}. I received no email or call from Home Depot about opening an account until I received an account statement in the mail, so this went unknown to me for weeks. 

I called the company XX/XX/XXXX and spoke to a representative and said that this was fraud and it was based on identity theft. After a few quick questions they said my case would be investigated. Over two months later and multiple calls to request status that were unhelpful, I received a letter saying that the claim was denied. The investigation process was extremely long and in the meantime, I am also getting late fee charges of {$29.00} on the account. On XX/XX/XXXX I called again to appeal this decision and I asked for any documentation of the application and this was denied. Also denied was any store video footage that proved my presence in the location. Security operations basically hung up on me when I asked to speak to someone who could assist, only XXXX XXXX XXXX were provided. Also no one informed me that I should send in supporting documentation such as an identity theft report or a copy of my driver 's license. Only after I asked many questions did they say that a ( fake ) driver 's license was used to open the account. I am in process of submitting the supporting information but the entire process of fraud dispute, investigation timelines, information shared has been done with zero transparency and zero protection for me, the consumer.

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 2024-09-11 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute discrepancies I have found between my credit reports from XXXX and Experian. I have reviewed both reports and noticed that certain information is inconsistent, which I believe requires correction. Please note that this account is deleted from XXXX Discrepancy Information : Discrepancy in Charge-Off Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. This inconsistency affects my credit score and the accuracy of my credit profile. 
Discrepancy in Account Last verified XXXX Report : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  [ on Experian N/A ] Issue : The account status reported by XXXX does not match the status reported by Experian . For instance, XXXX shows this account as the last activity with a different date, whereas Experian lists it as XX/XX/year>. This inconsistency could mislead potential creditors about my creditworthiness. This is a charge-off account however, the creditor is reporting it as charge- off every month which is not accurate according to FCRA law 15 U.S. Code 1681 ( e ) and 15 U.S. Code 1681 ( i ) Request for Resolution : Correct the Discrepancies : I request that you investigate these discrepancies and update my credit report to reflect accurate and consistent information. Please align the data between XXXX and Experian to ensure accuracy. 
Provide Written Confirmation : I request written confirmation once the necessary corrections have been made or if additional information is required. 
Enclosures : Copies of my credit reports from XXXX and Experian with discrepancies highlighted.

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 2024-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: MO

Complaint narrative:
Received a text msg on XX/XX/year> about my contact phone number is changed on my account. Tried to login thru mobile phone app and not able to login. Called customer support ( option 8 security ) and asked informed about the message. Account was restricted. Called almost every day about status ( other than once, SOFI never called back. On XX/XX/XXXX received an email that my account restriction has been lifted. Asked about account breach and never received an answer. Next day again account was restricted. Called today and after 12 minutes on phone, account restriction has been lifted. Still no answer about account breach

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I need your help with this inaccurate account listed on my credit report, which has hurt my reputation. The mismanagement of my credit report has severely harmed my standing, and I urge you to correct this and remove the inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XXXX XXXX I made a payment of {$3500.00} to settle a debt I owed synchrony bank which resulted in a merited discount hence the bank refunded me {$740.00}. But before the payment went through I had made multiple payments, {$2000.00} which was returned and {$1500.00} which never went through and because I had made the above payments within a day I requested for a refund of the {$3500.00}. After the return of {$2000.00} and failed transaction of {$1500.00}, the {$3500.00} went through and was used in settling the debt. 
In XX/XX/XXXX when I was buying a house, I noticed that the already paid debt was on my credit report .i contacted synchrony bank and this was taking down with an apology from the agent and the XXXX who addressed the issue. 
Until XXXX I noticed a drop and steepness in my credit report with synchrony stating that I am owing them an amount of {$4200.00}. 
I requested for a merchant information of that purchase of an account which has already been closed on XX/XX/XXXX and I was informed that since it is a closed account they can not provide nor retrieve that information of purchase. 
XXXX while they were able to provide information of the the real purchases I had made on XX/XX/XXXX XXXX overstock {$1200.00}. 
According to the bank statement, synchrony sent a check refund {$3300.00} which was never received although they disagree what the bank statement has stated and are insisting that I made a purchase howbeit they have failed in providing merchant information of the false purchase they are claiming. 
This is very frustrating and has denied me a lot of privileges merited by credit score. 
Currently after several calls and letters in fixing this system error coming from their end, they have reported this issue to a debt collector although they have failed in providing the merchant information and the various chats I had with multiple of their agents regarding payments and closing of the account in XXXX XXXX. 
Please help me out here since this is driving me insane. 

Thank you

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 monetary relief
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-09-11 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: PA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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 2024-09-11 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: PA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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 2024-09-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: KY

Complaint narrative:
XX/XX/XXXX To whom this May Concern, This item was purchased by a third-party debt collector. This account must be deleted as the status is not correct, the amount is not correct, and account was paid for less than owed by third party debt collector. As you can see by my attached report. This information is NOT CORRECT & NOT ACCURATE. There for it must be DELETED IMMEDIATELY. Here is the account name and number for reference and incorrect amount. Jefferson capital systems acct # XXXX amount XXXX How much did the collection company pay for this item? I dont know and neither does my credit report reflect such amounts. This is a clear violation of FCRA as this is not accurate or complete. DELETED THIS IMMEDIATELY! Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Source Receivables Management LLC
State: LA

Complaint narrative:
My name XXXX XXXX, a Federal protected consumer, and I am making this complaint against SOURCE RECEIVABLES MNG for committing identity theft. I have never given SOURCE RECEIVABLES MNG any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. Iam demanding a cease and desist of all illegal activity, any communication and collection activity of this and any alleged debts until SOURCE RECEIVABLES MNG can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence can not be produced and SOURCE RECEIVABLES MNG continues its collection efforts, I will file for litigation for actual damages caused and SOURCE RECEIVABLES MNG will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A. extortion, theft, by deception, securities fraud and mail fraud and provide me proof your license to collect in my State. Upon the receipt of documents herein and of this notice, you are hereby notified, Pursuant UCC 1 - 202f. Your Prompt attention and response are both requested and required. Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: OH

Complaint narrative:
My information was exposed in data breach. Under law FRCA 15 USC 1681- governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assemble by credit reporting. These following accounts are not correct nor mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please remove the following accounts from my report.

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 2024-09-11 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: EQUIFAX, INC.
State: OH

Complaint narrative:
My information was exposed in data breach. Under law FRCA 15 USC 1681- governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assemble by credit reporting. These following accounts are not correct nor mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please remove the following accounts from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: IL

Complaint narrative:
I am filing this formal complaint against Experian regarding their continued inaccurate reporting of my XXXX student loan account # XXXX, despite my repeated attempts to resolve this issue through disputes and corrections provided both by myself and XXXX. Experian is violating several sections of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( XXXX ) by failing to correct these inaccuracies. 

Specifically, Experian is in violation of : Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681e ( b ) Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681i Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681c Consumer Financial Protection Act ( CFPA ) - 12 U.S.C. 5531 I have attached a copy of the original correspondence from XXXX, dated XX/XX/year>, which confirms the correct balance and payment status of the account, proving that Experians current reporting 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 explanation