vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
DIVERSIFIED ADJ SVC reported a false collection on my credit XX/XX/year> This is another company did not send a collection letter allowing me to dispute this alleged debt This company just appeared on my credit report causing to lose the ability to purchase a home for my family and i Violating the fair Collection Act. These monsters appeared when i applied for a mortgage No letters No Phone calls. I never had a XXXX XXXX Account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please delete these inquiries. I was not aware of them, and the company did them without asking 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 2024-05-11 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and a 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 explanation
Consumer complaint received 2024-05-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I believe FCRA 605B requires the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccurate reporting, including incorrect amounts and dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC
State: OK

Complaint narrative:
Unrecognized inquires from these companies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 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: NJ

Complaint narrative:
I started a XXXX XXXX account and ordered XXXX item to build my credit. The item never got delivered. I complained and they did nothing about it. Didn't send me a new item. The tracking always stayed shipped never delivered. So I didn't pay for something I never received. All these years and it's still on my credit report even when I gave in and paid the collections agency. I got a pay to delete letter from XXXX but XXXX XXXX XXXX  will not delete off my report and doesn't reflect it was paid.

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 2024-05-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you verify this? Several listed accounts are inaccurate in terms of reporting, including incorrect amounts and dates.

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 2024-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: PA

Complaint narrative:
I've always ensured timely payments on this account, never letting them become overdue. I'm uncertain about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.

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 2024-05-11 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SLM CORPORATION
State: HI

Complaint narrative:
I sent Sallie Mae a letter back in XX/XX/year> via XXXX, which they received on XXXX/2023. In this letter I requested for them to restore both my daughter and my Credit Reports as it was damaged tremendously due to several issues they created. 

FIrst, they claimed to have mailed late notices to my daughter on XXXX/2023 and to me on XX/XX/scrub>XXXX/2023. XXXX spoke with my daughter on XXXX2023 and mentioned that her current address wasn't in their system and that their system just underwent an upgrade from XXXX to XXXX XXXX, which may have resulted in discreprancies or errors in the process. But, my daughter also had a forwarding address too! 

Because neither I nor my daughter received these letters that they claimed to have mailed, I requested a copy of when it was mailed and Proof of Mailing, of which I still haven't received in over a year since my request. And, the timing of those letters would've made both credit reports over 60 days late! They clearly admitted that the letter was sent out on that date, how is it fair that none was mailed prior, such as after 30 days or even earlier, as to protect both Credit Reports?! 

Next, they called and left XXXX Robo Calls! But, none were answered because Sallie Mae Spoofed their calls with another phone number and each call said, " Potential Spam. '' If I'm not mistaken, Spoofed calls are Illegal via TCPA. If these calls came in from Sallie Mae, they would've been answered but they chose this option instead. 

Because of the failed requests for Proof of Mailings of both letters, the damage they caused to both our Credit Reports and the XXXX Spoofed Calls, I would like to request for you, CFPB to request a copy of their Proof of Mailings and to also remove the Negative info. along with removal of Sallie Mae from both our credit reports. I would like to inform them that we are in touch with an attorney to seek further assistance in regards to the XXXX Spoofed calls as they continue to make these Spoofed calls even though I told them it's a problem. I do believe each TCPA violation would be @ {$1500.00}, which would total {$48000.00}, plus attorney fees and other damages we plan to seek due to damaging both our credit reports which caused both of us so much harm. 
I would also like to know why didn't they reply to my letter which I can provide to you if you'd like and also why didn't they correct our credit reports as both reps from Sallie Mae said that since I made the payment they were requesting for past amounts, that the scores should go back to normal. I did not include the copy of the letter to them because it contained our names and address and read not to provide this at this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to address a serious violation of the Fair Credit Reporting Act ( FCRA ) that has occurred. It has come to my attention that unauthorized inquiries were made into my Experian credit report from various entities without my consent or a permissible purpose. These inquiries are in direct violation of the FCRA, as detailed in the relevant sections of the act. 

According to the FCRA, a consumer 's credit report should only be accessed for purposes authorized under the law, and without my consent or a permissible purpose, these actions are unlawful. I am requesting the immediate deletion of the unauthorized inquiries from my Experian credit report. 

I have provided a list of the unauthorized inquiries made into my Experian credit report for your reference : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX I request that each unauthorized inquiry be promptly removed from my Experian credit 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 2024-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
I made XXXX payments in XXXX. every time I logged in I paid what it said I owed or more, but I should only need to pay XXXX time per month. my monthly payment is XXXX by the XXXX, in XXXX i paid XXXX on the XXXX, XXXX $ on the XXXX, and got an XXXX $ late fee on the XXXX. I did some digging and didnt see any late fees, so I went to my payments section and found a very weird XXXX $ payment every month, then I realized it wasnt a payment, it was a negative payment. so I call and ask what the heck they proceed to tell me that I was originally on auto bill pay, but when the bank issued me a new card I just started paying it manually, and there was a XXXX $ fee for the switch over. Apparently that was never paid so they have been tacking on XXXX $ a month for the past XXXX  years. I overpay my minimum all the time! I even paid XXXX months in advance when I switched over to manual payments. I have never been informed of this fee, or that it was occurring extra fees, when I log into my account it doesnt say anything about it. all it does is tell me what I owe, and it is never correct, if i pay what it says I owe then they tack on late fees, and disguise them as negative payments. its rediculous. ive have tried contacting them over a dozen times already, but their replies are always answers to different questions, like they dont understand english. I have asked for a detailed report of payments and charges and they will not provide. I have asked for a XXXX and they never contact me. I have less than XXXX left on loan, however well over XXXX $ taken in these rediculous hidden fees. even right now i got a letter saying I owe XXXX by XX/XX/XXXX, if I log into my acct online it says i owe XXXX XXXX but no matter what I pay they are going to tack on that late fee!!! theres no way this is legal!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-11 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:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-05-11 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you review the documents? Some of the listed accounts contain inaccuracies regarding reporting, including incorrect amounts and dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I started a XXXX XXXX XXXX  and ordered 1 item to build my credit. The item never got delivered. I complained and they did nothing about it. Didn't send me a new item. The tracking always stayed shipped never delivered. So I didn't pay for something I never received. All these years and it's still on my credit report even when I gave in and paid the collections agency. I got a pay to delete letter from XXXX but XXXX XXXX XXXX  will not delete off my report and doesn't reflect it was paid.

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 2024-05-11 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling 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 non-monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TomoCredit Inc.
State: PA

Complaint narrative:
I purchased a membership with TomoBoost Credit on XX/XX/year>. It advertised itself as a credit card and credit booster. What it doesn't tell you is that they no longer give credit cards out and lie to the credit bureaus about your credit limit and payments. They are refusing to give me a refund. They lied about giving me a credit card they lied about the credit limit. My bank can't be hooked up to the website because it's not supported they also don't state that not all banks are accepted. The website is a scam and very dishonest. They offer no support and only respond with bots

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: OH

Complaint narrative:
On XX/XX/XXXX I noticed 2 transactions on my account from a XXXX for XXXX and XXXX. I immediately disputed the transaction and checked my email history. I showed a transaction several months ago for tickets that i never purchased or authorized to be purchased. I reached out to sonic temple and was told they wouldn't do anything to fix the transaction. I disputed the charges and the dipsute was denied XX/XX/year> and i was charged XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This is my multiple attempts to inform you that I am an identity theft victim and that I am questioning some records in my paperwork that may have been obtained via improper means. The data under scrutiny pertain to transactions in which I have neither made nor approved the acquisition of any products, services, or money. Remove from my credit report any information that is notable that resulted from a purported scam or extortion, assuming that no one will care in either case. 
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 explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Torriere Holdings INC
State: NV

Complaint narrative:
I paid Spiral Recovery Solution Debt collectors and they never took the balance out from the debt

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: PA

Complaint narrative:
I've consistently made sure that payments on this account are made on time, never allowing them to be overdue. I'm uncertain about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.

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 2024-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I've consistently ensured that payments on this account are made on time, never allowing them to be overdue. I'm unsure about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.I kindly request the removal of late payment remarks and a change to a positive status reflecting payment as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 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:
There was an account that I had to voluntary surrender and that is not a default on the account. Transunion is reporting the account as derogatory/repossession when it should state paid/current. I demand that they update the reporting.

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