vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-17 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: GA

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the blocking and deletion of my accounts that may have been compromised in the recent data breach, pursuant to 15 U.S.C. 1681c-2 ( a ). As a victim of this breach, I am concerned about the security and privacy of my personal information. 
Please find my personal details below for your reference : 1. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX Account XXXX : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX  Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX Account XXXX : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXXXXXX XXXX Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX Account Number : 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 2025-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Date : XX/XX/XXXX Subject : FCRA Inaccuracies Discrepancies in Credit Limit, High Credit Limit, and Reported Dates Across XXXX, XXXX, and TransUnion I am writing to file a formal complaint regarding multiple inaccuracies on my credit report across the three major credit bureaus : XXXX, XXXX, and TransUnion. I believe that the discrepancies outlined below violate the Fair Credit Reporting Act ( FCRA ) and require immediate investigation and correction. Personal Information : Full Name : XXXX XXXX Account Number : XXXX Date of Birth : XX/XX/XXXXXXXX  Social Security Number ( Last XXXX Digits ) XXXX Inaccuracies in Reporting : Credit Limit Discrepancies : XXXX : XXXX credit limit reported is {$3700.00}. XXXX : The credit limit is reported as {$0.00}. TransUnion : The credit limit is reported as {$5000.00}. These values can not all be correct. The differing amounts between the three credit bureaus suggest a violation of the FCRA, as the information reported must be accurate and consistent across all bureaus. Incorrect Last Reported Date : XXXX : The last reported date is listed as XX/XX/XXXX. XXXX : The last reported date is listed as XX/XX/XXXX. TransUnion : The date is correctly reflected, but I am disputing the discrepancies with XXXX and XXXX, as these can not both be correct. These discrepancies regarding the reporting date further violate the FCRA, as the date of last reporting must also be consistent across all credit bureaus. High Credit Limit Discrepancies : XXXX : The high credit limit is reported as {$3700.00}. XXXX : The high credit limit is reported as {$0.00}. TransUnion : The high credit limit is reported as {$5000.00}. This inconsistency in high credit limits further complicates the accuracy of my credit report and suggests a violation of the FCRA 's requirements for accurate information. All three credit bureaus can not have different high credit limits, as this undermines the accuracy of the information being reported. As per 15 U.S. Code 1681i, under the Fair Credit Reporting Act, when a consumer disputes the accuracy of information on their credit report, the credit reporting agency is required to conduct a reasonable investigation and correct any inaccuracies. Specifically, 15 U.S. Code 1681i ( a ) mandates that : The consumer reporting agency must review the dispute, investigate the relevant information, delete any inaccuracies or errors promptly, typically within 30 days of receiving the dispute. If the information is found to be inaccurate or incomplete, it must be deleted, as appropriate. The consumer must also be notified of the outcome of the investigation.

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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I HAVE HAD THESE 2 CARDS FOR OVER XXXX XXXX  XXXXXXXX XXXX, AND SYNCB/CARE CREDIT DC I WAS NEVER LATE MY BUSINESS TOOK A LOSS FOR XXXX CONSECUTIVE MONTHS I HAVE CALL THEM BOLTH TO MAKE ARRANGEMENTS WITCH THEY AGREED UP ON NOW THEY ARE REPORTING ME LATE ON MY CREDIT REPORT.PLEASE HELP ME RESOLVE THIS ISSUE.THANK YOU SO MUCH.

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 2025-02-17 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: LA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted 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 explanation
Consumer complaint received 2025-02-17 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: LA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
It is unfair that the buyer of a timeshare does not have access to the booking site until after the end of the contract rescission period. We had no way of being able to learn about the poor availability by reading the contract, or within the contract rescission period. On XX/XX/XXXX, we attended a new owners orientation in XXXX VA because we wanted to cancel our purchase. We had trouble with availability, and we could not easily reach customer service. We tried to book online. A lot of the rooms available seemed to be just hotel rooms and not resorts. The agents told us, during the seven-hour meeting, that what we had purchased before was not adequate for our vacation needs, but with additional points we would be able to stay anywhere. We purchased XXXX points, standard interest type, and first years use XXXX. The purchase price was {$16000.00}. We paid a down payment of {$960.00} and financed {$18000.00} at 16.5 %, These sales agents said that if we were not happy, XXXX would buy back the timeshare. We learned that there is no buy-back program and that sales agents are allowed to lie and misrepresent. 

After this purchase, we experienced the same issues concerning poor availability. When we contacted XXXX about the buy-back program, we learned that we had been lied to. There is no buy-back program. I stopped payments at the end of XXXX because we purchased under false pretenses. My wife spent hours on the phone with XXXX customer service and was constantly told there was no availability. We first purchased XXXX XXXX XXXX XXXX Vacation points standard for {$8900.00} on XX/XX/XXXX, in XXXX XXXX, SC at an XXXX XXXX XXXX. We financed the entire amount. We were told that the timeshare would not only cover the cost of our vacations but would also increase in value, making it a wise investment for our children. 

There are almost XXXX XXXX  complaints filed against XXXX. Why is there not an Alert posted indicating a pattern of complaints. 

Unfortunately, Experian has drastically reduced my credit score due to this situation. 

I want to file this complaint against Experian for Inaccurate Reporting and I am including the XXXX XXXX XXXX. 

The following link is a ruling by the XXXX XXXX XXXX that a XXXX loan is a consumer credit, NOT a Mortgage. In addition to the ruling, both the NCUA and FNMA say a Timeshare loan is NOT a Mortgage. 

https : XXXX Thank You for your time. Sincerely, 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 2025-02-17 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: NC

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 : XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: NV

Complaint narrative:
I noticed a annual fee of {$150.00} on my account and I called to ask why it was {$150.00} instead of the {$99.00} that was noted on my cardholder agreement. They said they sent a letter back in XX/XX/year> informing me of the change in the annual fee. I explained to them that I never receive any notices from them, as I am on paperless statement/notices. I went into my online account to see if there was anything there of the change and I still see the original cardholder agreement, that states the annual fee of {$99.00}. When the representative looked into the issue, she stated that there was a mistake as the notice was mailed to a different address, other than my current address which I have been at for over 3 years. She said that she apologize for the error but I told her that since I was not properly notified, they should honor the {$99.00} annual fee as listed on my agreement. She said she could not do that but she will send me the notice again. I explained that was not my fault and since it was there error, they should not bill me for the {$150.00} but she said, she could not do that and hung up.

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 2025-02-17 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: 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. **Account Name : XXXX XXXX XXXX*Date : ** XX/XX/year> **Subject : ** Incomplete and Incorrect Information in My EQUIFAX Credit Report Upon reviewing my EQUIFAX credit report on the aforementioned date, I have identified several discrepancies and inaccuracies. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the following information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to the 15 USC 1681i 5 they are suppose to do this list ( 5 ) terminal of inaccurate or unverifiable information. ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a customer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to nor 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 2025-02-17 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello, this accounts transaction and charges are fraudulent. I never benefited from any of these transactions, but rather it did a lot of damage to me. I need these fraudulent transactions to be removed from my credit report ASAP in order to prevent further fraudulent activity of my information. Thank you and have a good day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as of XX/XX/year>. I applied for my student loans to be forgiven as there is a program that offers these services under current federal law. I was granted this service to have my student loans forgiven on XXXX XX/XX/year>. I was also notified that there was a refund possible. My credit reports all showed full payoff of my XXXX student loans, but also now show XXXX delinquent payments for each loan. These delinquent payments are over 120 day overdue according to the credit reports I have never in my life, missed a dept payment. Now my credit has taken a huge plunge and I don't know how to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently paid off several collection accounts in full, as my credit report indicated that doing so would result in a XXXX increase for each account. However, after making the payments and waiting for the update, my credit score only increased by approximately XXXX points, rather than the expected total. 

One of the most frustrating aspects of the credit reporting system is the inconsistency in how information is updated. Negative remarks, such as missed payments or collections, are reported to the credit bureaus almost instantly, often causing immediate damage to ones credit score. In contrast, positive updatessuch as payments made on time or full repayment of outstanding debtstake significantly longer to reflect on a credit report. This disparity is not only unfair but also makes it unnecessarily difficult for individuals to rebuild their credit. 

If negative information can be reported in real time, then positive updates should follow the same standard. Creditors and credit bureaus should ensure that all updateswhether positive or negativeare processed and reflected in a timely manner, providing consumers with a more accurate and fair representation of their financial behavior.

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 2025-02-17 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: TX

Complaint narrative:
I recently paid off several collection accounts in full, as my credit report indicated that doing so would result in a XXXX increase for each account. However, after making the payments and waiting for the update, my credit score only increased by approximately XXXX points, rather than the expected total. 

One of the most frustrating aspects of the credit reporting system is the inconsistency in how information is updated. Negative remarks, such as missed payments or collections, are reported to the credit bureaus almost instantly, often causing immediate damage to ones credit score. In contrast, positive updatessuch as payments made on time or full repayment of outstanding debtstake significantly longer to reflect on a credit report. This disparity is not only unfair but also makes it unnecessarily difficult for individuals to rebuild their credit. 

If negative information can be reported in real time, then positive updates should follow the same standard. Creditors and credit bureaus should ensure that all updateswhether positive or negativeare processed and reflected in a timely manner, providing consumers with a more accurate and fair representation of their financial behavior.

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 2025-02-17 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: Early Warning Services, LLC
State: NJ

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX Routing number XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  don't recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my Early Warnings Consumer report immediately! I've attached a copy of the report to this request Thank you for your assistance. 
Sincerely. 
XXXX XXXX

Company response to consumer: Closed with explanation