vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Subject : Request for Removal of Late Payment Due to XXXX Pandemic Under 15 U.S.C. 1681s-2 ( f ) I am writing to formally request the removal of a late payment reported on my credit profile under the accommodations provided by the Fair Credit Reporting Act ( FCRA ) as amended by the CARES Act during the XXXX pandemic. 

My account details are as follows : Account Number : XXXX Creditor/Lender : Regional Acceptance Date of Late Payment : From XXXX XXXX XX/XX/year> Due to the unprecedented financial difficulties caused by the XXXX pandemic, I sought and received a payment accommodation from my lender/creditor. According to the amendments made to the FCRA by the CARES Act, particularly 15 U.S.C. 1681s-2 ( f ), creditors are required to report accounts as current if they were current before the accommodation was granted. 

Despite this provision, a late payment was reported on my credit file, which should not have been the case as my account was under a pandemic-related accommodation. I respectfully request that this erroneous late payment be removed from my credit report. 

According to the Cares Act amendment listed above, I was not late. Please show documentation showing proof of transaction showing I was ever late to support inaccurate reporting on my account. If you can not support please delete the alleged late payments from my credit report. 

The FCRA allows 30 days for this to be rectified.

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 2024-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to inform you that my Social Security number has been compromised, and I am a victim of Identity Theft.

See attached

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 2024-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I have not been able to access my Coinbase wallet. The error message states : " We're having connection issues/ We are looking into it right now. Please try again later. Your funds are safe '' This has been going on for XXXX days now. The " go back '' button is not clickable. I have a significant amount there. There's no way to speak or contact anybody from the company. The online form spits you out and the phone message directs you to the online form. XXXX XXXX I guess... Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As an additional consumer, Ive noticed significant and accuracy within a XXXX XXXX account report to my credit, bro. After reviewing my credit report, Ive observed discrepancies among the information provided by different rules regarding the same account. Concerned about the potential repercussions of these inaccuracies on my credit, worthlessness and financial opportunities, Ive reached out to the consumer financial protection bureau ( CFPB ) to inform them of the situation under the provisions of the law 15 US 1681 particularly section 1681 EB there is a clear mandated for accuracy and credit report. Is dilates that a consumer reporting agency must furnish the accuracy and complete information to ensure fair and equitable credit reporting. However, the discrepancies are identified fail on the part of the credit rules to comply with this legal requirement. 
Account number ( N/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 2024-06-17 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I've been monitoring my credit for a few years and I've been doing my best to get my credit score to a respectable level, I paid off any and all collections and have paid all my bills early. Well back in XXXX, at the advice of Experian, and me being naive, I responded to their email to apply for a credit card. Guaranteed match it said. Denied ... .. And it didn't drop my credit yet. But I had it up to the near XXXX range and I was proud. A month later I still needed a credit card and Experian sent another email, saying I was guaranteed approval again, and since my credit went up by XXXX or so points in the span of a month I applied again, thinking for sure id get it GUARANTEED APPROVAL EXPERIAN SAID. Well I got denied again and my credit dropped XXXX points. I called to talk to someone about this and they are rude and don't care, why would they? If I had perfect credit, I wouldn't need them. Correct? So they constantly mislead me and it's cost me loan opportunities and more. They need to compensate me for swaying my decisions because if they would have not emailed me, I wouldn't have applied, and if they didn't say GUARANTEED I wouldn't have applied. It's not right

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 2024-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
MIDLAND CREDIT MANAGEMENT ( XXXX ) has be illegally reporting my information to Consumer Reporting Agencies ( XXXX XXXX, XXXX and XXXX ) without my consent 15 U.S. Code 1681 ( b ) - Permissible purposes of consumer reports States that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 1. In accordance with the written instructions of the consumer to whom it relates I did not give verbal or written consent for my information to be given to any Consumer Reporting Agencies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 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: TX

Complaint narrative:
I am writing to express my deep concerns regarding the recent activity associated with my account. Specifically, I would like to address the investigation process and the lack of notification about the results. 

It has come to my attention that no real investigation was conducted into my dispute. Under the Fair Credit Reporting Act ( FCRA ), it is mandated that all credit reporting agencies must ensure the accuracy and completeness of the information they report. This includes conducting a thorough and reasonable investigation upon receiving a dispute from a consumer. As part of this process, the results of the investigation must be communicated to the consumer in a timely manner. Unfortunately, I have not been notified of any findings or conclusions from such an investigation. 

Furthermore, according to the Fair Debt Collection Practices Act ( FDCPA ), debt collectors must ensure that all information provided about a debt is 100 % accurate and must verify the debt upon request. Any failure to do so is a violation of my rights under these federal laws. 

Given these circumstances, I am requesting a comprehensive review of my dispute, ensuring full compliance with the FCRA and FDCPA. I also request that all findings be promptly communicated to me, along with any supporting documentation that verifies the accuracy of the information reported on my account. 

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitute a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

This item found within my credit reports is not related to any transaction that I made. I am alleging that a person or company, without my authorization, used my personal identifying information to apply for goods, services, or money and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me significant distress and defamation of my character. 

Thank you for your immediate attention to this matter. I look forward to a prompt resolution.

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 2024-06-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: NC

Complaint narrative:
On XX/XX/XXXX I submitted a student loan payment of {$98.00} to Edfinancial Services web portal for my monthly payment due on XX/XX/XXXX. The webpage informed me that any payment made by XXXX on XX/XX/XXXX would be accepted as on time. I received a confirmation email that my payment was submitted. 
I checked the website again on XX/XX/XXXX and saw that my payment was still listed as " pending. '' Unsure as to why, I paid another {$98.00}, thinking it might have not gone through the first time. Once again, I received an email confirmation for this payment. 
This morning, XX/XX/XXXX, I checked the website, which still lists both payments as " pending, '' and that my payment is " past due ''. Only one of the two payments has been charged to my bank account, and was only posted XX/XX/XXXX, despite me making the payment last week. 

Edfinancial has now listed my payments -- that they confirmed -- as " past due '' and has not responded to any of my inquiries to resolve this matter. I have emailed and used their online chat services to no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: TX

Complaint narrative:
I am writing to express my concern regarding inaccurate information on my credit report. After a thorough review, I noticed several late payment entries that I believe are incorrect. Over a month ago, I sent correspondence disputing these entries and requesting validation, but unfortunately, I have not received a response or satisfactory resolution.

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 2024-06-17 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: TX

Complaint narrative:
I am writing to express my concern regarding inaccurate information on my credit report. After a thorough review, I noticed several late payment entries that I believe are incorrect. Over a month ago, I sent correspondence disputing these entries and requesting validation, but unfortunately, I have not received a response or satisfactory resolution.

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 2024-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I opened up a synchrony card through a XXXX promotion. I scheduled bill pay to be set up through my XXXX XXXX account. I mistakenly added the wrong address to the bill pay ; the XXXX headquarters instead of synchrony 's address. 

The first XXXX of XXXX payments went through electronically so I did not catch the mistake. These reached Synchrony card and those transactions were cleared as paid. 

Payment XXXX - XXXX - {$54.00} Payment XXXX XXXX - {$120.00} This is when things changed : Checks started to be cashed in person at XXXX XXXX  XXXX XXXX - XXXX This charge was the same amount for XXXX that was electronic. 

Check XXXX - XXXX {$52.00} Check XXXX - XXXX - {$120.00} Same as the electronic payment above. 
Check XXXX XXXX - {$43.00} Check XXXX XXXX - {$130.00} Check XXXX - XXXX {$49.00} XXXX I spoke with XXXX at XXXX XXXX XXXXXXXX and he worked to resolve the issue by stopping any further checks from being cashed. The first XXXX were too late. He was able to stop XXXX check. Letter included.

All these payments were cashed from a printed bill pay check manually at chase bank. I have spoke to XXXX and XXXX multiple times and they are not even affiliated with each other at all. That is the first time I realized that this was fraudulent activity. XXXX XXXX  confirms the fraud with letters attached to check. 

Synchrony refund me the full amount of the XXXX checks {$450.00} on XXXX I thought the issue was resolved. Then on XXXX Synchrony added all these charges as a correction back to my account with an additional interest of {$5.00} I have paid all of these payments in full, someone has the money through a chase bank. The back of the checks show the chase information. 

Please help me get this resolved.

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 2024-06-17 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:
( 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.

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 2024-06-17 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: SC

Complaint narrative:
Experian quoted that they will not remove the derogatory item on my credit report from XXXX XXXX. They failed to show the accuracy of my credit report. Therefore, the item should be removed due to the proof of accuracy on my credit report from all XXXX bureaus

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 2024-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
i was trying to buy a commercial property, and i realized that i had some damages on my credit report. According to the 15 USC 1681 law, there should not be any damages on my credit report. Damages on my credit report is a defamation of my character.

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 2024-06-17 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: NC

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

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 2024-06-17 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:
" 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. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I filed a dispute and was not given a phone call or a written letter concerning my dispute only finding out that 3 days after I filed the dispute you confirmed the debt was mine. How was this confirmed? I didn't have an agreement with you nor have I ever heard of you. Furthermore you are not even licensed to collect a debt in Tennessee.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: IL

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: LA

Complaint narrative:
In Louisiana, the statute of limitations for debt collection is as follows : 1. Open Accounts ( e.g., credit card debt ) : The statute of limitations is three years. This means creditors have three years from the date of the last activity on the account to file a lawsuit to collect the debt.

2. Promissory Notes : The statute of limitations for promissory notes is five years.

3. Written Contracts : The statute of limitations for written contracts is ten years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation