vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-30 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 have filed MULTIPLY disputes, with XXXX, TRANSUNION and XXXX and the same INACCURATE and NEGATIVE information continues to appear on my Credit File despite me submitting the necessary " supporting documents '' to prove it. As a result my credit score continues to fluctuate between XXXX - XXXX, -- which is horrific. 
Prior to the Identity Theft ( XXXX ) my score was in the XXXX range and it should be in the XXXX by now! 

I am dealing with a known HACKER and I strongly believe that he is RESPONSIBLE for somehow ALTERING my record. He has sent me FAKE Social Security Documents, I just had all the money drawn out my account XX/XX/XXXX, and for the life of me he continues to alter and POST INACCURATE info on my file with ALL three Credit Bureaus, -- and NO ONE IS ABLE TO STOP THIS FROM HAPPENING!!!

REVOLVING ACCOUNTS **INQUIRIES : 119, DEFINITELY NOT ME APPLYING FOR CREDIT -??? 

XXXX XXXX  XXXX XXXX : CHARGE OFF-??? -- ( PAID IN FULL ) XXXX **XXXX XXXX XXXX # XXXX : CHARGE OFF-??? -- ( PAID IN FULL ) XXXX INSTALLMENTS ACCOUNTS *XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( Opened XX/XX/XXXX ) FRAUD ACCT I did not open nor do I have any knowledge of this accout whatsoever! 

XXXX XXXX XXXX XXXX XXXX XXXX : ( PAID IN XXXX ) **JOB HISTORY : INCOMPLETE

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 2024-11-30 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 have filed MULTIPLY disputes, with XXXX, XXXX and EXPERIAN and the same INACCURATE and NEGATIVE information continues to appear on my Credit File despite me submitting the necessary " supporting documents '' to prove it. As a result my credit score continues to fluctuate between XXXX - XXXX, -- which is horrific. 
Prior to the Identity Theft ( XXXX ) my score was in the XXXX range and it should be in the XXXX by now! 

I am dealing with a known HACKER and I strongly believe that he is RESPONSIBLE for somehow ALTERING my record. He has sent me FAKE Social Security Documents, I just had all the money drawn out my account XX/XX/XXXX, and for the life of me he continues to alter and POST INACCURATE info on my file with ALL three Credit Bureaus, -- and NO ONE IS ABLE TO STOP THIS FROM HAPPENING!!!

REVOLVING ACCOUNTS **INQUIRIES : 119, DEFINITELY NOT ME APPLYING FOR CREDIT -??? 

XXXX XXXX XXXX XXXX : CHARGE OFF-??? -- ( PAID IN FULL ) XXXX XXXX XXXX XXXX XXXX XXXX : CHARGE OFF-??? -- ( PAID IN FULL ) XXXX INSTALLMENTS ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Opened Oct 24, 2024 ) FRAUD ACCT I did not open nor do I have any knowledge of this accout whatsoever! 

XXXX XXXX XXXX XXXX XXXX XXXX : ( PAID IN FULL-XXXX  ) **JOB HISTORY : INCOMPLETE

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 2024-11-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Button Finance, Inc.
State: CA

Complaint narrative:
Button Finance kept stringing me along for months assuring me I was getting a HELOC approved when it was actually a 2nd mortgage and when the Notary appeared at my home for signing ; I called XXXX at Button and he simply stated " that's the way the Title company processed the paperwork " and that was unacceptable so I did not sign the paperwork and he called me a " clown '' for not signing the paperwork and told him he's a con artist. 

I also questioned some of the fees in which I provided paperwork for like access to my credit reports and employment verification information. He just could provide reasoning for some of the fees so I refused to sign and he also had my Homeowners insurance company put Button down on my coverage as a mortgagee which was inappropriate when I have not signed any paperwork yet.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: WV

Complaint narrative:
I have a Mastercard credit card with a {$900.00} credit issues from Paypal via Synchrony Bank. I had accumulated a balance of {$890.00}. I made a one time payment for this amount through my savings account with XXXX XXXX  on XX/XX/XXXX. The payment posted. I tried using my card 10 days later at a local fast food restaurant and the card was declined. I promptly contacted Paypal who told me that since I had made a large payment on the account at one time that there was a hold on the card that could last up to 21 days. During this hold I would only have access to {$9.00} on the card and I would her to wait before I would have access to my full credit amount. I can certainly understand the hold on the account, however I didn't try using the card until a full 10 days had passed. If Paypal/ Synchrony wanted to wait to ensure the payment posted and was not returned to the bank for insufficient funds, then 10 days should have been more than enough time. I contacted Paypal customer service on XX/XX/XXXX twice and even escalated my call to a supervisor with no 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 2024-11-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: MD

Complaint narrative:
My loans were forgiven due to XXXX 5 years ago! Nelnet has not updated this information with any of the bureaus! XXXX stated today there are still XXXX that were forgiven but not being reported as such and showing DELINQUENCY! The see loans were forgiven over 4 years ago- every single one and Nelnet is responsible for reporting this to all bureaus and yet they have not. I tried fixing it a year ago and was told it was taken care of and yet here we are! They were forgiven due to XXXX and a permanent inability to repay and yet they still sit as if I am not paying them!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: U.S. BANCORP
State: MN

Complaint narrative:
Just received unsolicited card. See attached I've been reading about scams increasing this time of year. 
I don't want the card and am very concerned about my personal data the sender already has. 

Please 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 non-monetary relief
Consumer complaint received 2024-11-30 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: NC

Complaint narrative:
Subject : Formal Dispute and Request for Investigation of Inaccurate Credit Reporting To Whom It May Concern, I am writing to formally dispute and request an investigation into the inaccurate reporting of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) and its subsequent transfer to XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). Specifically, the payment history reflects errors that significantly misrepresent my financial record. 

According to the reports, my XXXX XXXX account indicates that I was 90 days late in XX/XX/year> and XX/XX/year>. However, the account never accurately reflects a progression of delinquency from 30 days late to 60 days late and then to 90 days late, as required by standard reporting practices. Furthermore, the account was closed due to a transfer to XXXX, yet the misrepresentation persists. 

This reporting error violates my rights under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ], which mandates that credit reporting agencies and furnishers of credit information must ensure the maximum possible accuracy of the information they report. This inaccurate reporting has caused undue harm to my credit profile, and I am demanding immediate rectification of this error. 

Additionally, I am aware of prior lawsuits and complaints against XXXX concerning the misrepresentation of consumers ' accounts and erroneous credit reporting practices. For instance : Case Example : Lawsuits allege XXXX XXXX failure to maintain accurate account records and properly update credit reporting agencies, which mirrors the issues I am currently experiencing. 
Violation Allegation : Misrepresentation of payment history and account status, as in my case, has led to widespread consumer harm, further supporting the need for immediate corrective action. 
I respectfully request the following actions : Immediate Correction : Amend the payment history for the referenced accounts to reflect accurate information.

Verification of Accuracy : Conduct a thorough investigation into the reporting discrepancies and provide a detailed explanation of your findings. 
Notification to Credit Bureaus : Inform all credit reporting agencies of the corrections to ensure my credit profile accurately reflects my account status. 
Please consider this communication a formal complaint under the FCRA. If the requested corrections are not made promptly, I reserve the right to escalate this matter further, including but not limited to seeking legal remedies. 

I trust that you will give this matter the urgent attention it deserves. I expect a written response detailing the steps taken to resolve this issue within 30 days of receiving this letter. 

Sincerely, 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 2024-11-30 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: FL

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX, I made purchase at Ramour And Flannigan Furniture for XXXX. I made this purchase on credit through their TD Bank credit card. I made this credit purchase with the understanding that " IF '' i paid off the entire balance before the calendar year was up following the purchase date, the credit allowance would be void of " ANY '' interest. 
Subsequent to being granted that credit line, I made monthly payments diligently on time every month until the month of XX/XX/XXXX. In XXXX I contacted TD Bank and requested a Payoff amount for this loan to take full advantage of the interest free promotion that i wanted to enjoy. 
I was told during that conversation that the " ENTIRE PAYOFF AMOUNT '' was {$1600.00}. 
This conversation and payment took place on XX/XX/XXXX. 
Next, the most suspicious thing happened, in XXXX of XXXX, My husband received a LATE PAYMENT letter from TD Bank. When he requested of me the reason for the Late Payment request I told him I had no idea as to where it was from and why. 
I never thought it again. Then in XXXX XXXX I began to receive phone calls from a Collection agency. After awhile I eventually answered and informed that I still owed TD Bank {$680.00}. Which is ludicrous..

Td Bank should be sanctioned for using ethical tactics to get their clients to pay these interest charges. Here what they did was tell me how much to pay this debt off. Then they supposedly held back a Unknown late charge to hold in abeyance until after the loan was supposed to be paid off. Then they proceeded to charge me late fees on the late fees. But the most egregious violation was they waited until right when the One Year Interest Free period was up to notify me of any of this. So Ultimately they went from me paying offf the entire debt in XXXX for {$1600.00}. to adding on another {$680.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-30 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: FL

Complaint narrative:
I am writing to dispute the inaccurate reporting of the following charge-off entries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These entries are inaccurate and violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I demand an immediate investigation and correction of these inaccuracies to ensure compliance with federal law. 

Violations of Federal Law 1. Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) : Credit reporting agencies are required to conduct a reasonable reinvestigation of any disputed information within 30 days. Failure to do so is a violation of federal law.

15 U.S. Code 1681e ( b ) : Mandates that credit reporting agencies maintain reasonable procedures to ensure maximum possible accuracy of the information they report. The reporting of these inaccurate charge-offs violates this provision. 



2. Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S. Code 1692g : Debt collectors must validate any debt upon request. If a charge-off can not be validated, it is unlawful for the creditor or debt collector to continue reporting the account.

3. Truth in Lending Act ( TILA ) : 15 U.S. Code 1635 : Creditors must provide accurate and fair disclosures related to the terms and validity of debts. Reporting charge-offs without proper documentation may constitute a violation of this statute.

Damages and Remedies If these inaccuracies are not corrected promptly, I reserve the right to pursue legal remedies under the FCRA and FDCPA, including : Statutory damages of up to {$1000.00} per violation.

Actual damages caused by these inaccuracies, such as increased interest rates, credit denials, or emotional distress.

Punitive damages for willful noncompliance with federal statutes.

Recovery of legal fees and associated costs.

Action Requested I demand the following actions : 1. Conduct a thorough investigation of these accounts to verify their accuracy.

2. Remove the inaccurate charge-off entries from my credit report immediately.

3. Provide a written statement confirming the removal or correction of these entries within 30 days, as required under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ).

Next Steps Failure to comply with these demands will leave me no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant regulatory bodies. Additionally, I will consult legal counsel to pursue remedies under federal law for the harm caused by these inaccuracies. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 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:
I am writing to dispute the inaccurate reporting of the following charge-off entries on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These entries are inaccurate and violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I demand an immediate investigation and correction of these inaccuracies to ensure compliance with federal law. 

Violations of Federal Law 1. Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) : Credit reporting agencies are required to conduct a reasonable reinvestigation of any disputed information within 30 days. Failure to do so is a violation of federal law.

15 U.S. Code 1681e ( b ) : Mandates that credit reporting agencies maintain reasonable procedures to ensure maximum possible accuracy of the information they report. The reporting of these inaccurate charge-offs violates this provision. 



2. Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S. Code 1692g : Debt collectors must validate any debt upon request. If a charge-off can not be validated, it is unlawful for the creditor or debt collector to continue reporting the account.

3. Truth in Lending Act ( TILA ) : 15 U.S. Code 1635 : Creditors must provide accurate and fair disclosures related to the terms and validity of debts. Reporting charge-offs without proper documentation may constitute a violation of this statute.

Damages and Remedies If these inaccuracies are not corrected promptly, I reserve the right to pursue legal remedies under the FCRA and FDCPA, including : Statutory damages of up to {$1000.00} per violation. 

Actual damages caused by these inaccuracies, such as increased interest rates, credit denials, or emotional distress. 

Punitive damages for willful noncompliance with federal statutes. 

Recovery of legal fees and associated costs. 


Action Requested I demand the following actions : 1. Conduct a thorough investigation of these accounts to verify their accuracy.

2. Remove the inaccurate charge-off entries from my credit report immediately.

3. Provide a written statement confirming the removal or correction of these entries within 30 days, as required under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ). 



Next Steps Failure to comply with these demands will leave me no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant regulatory bodies. Additionally, I will consult legal counsel to pursue remedies under federal law for the harm caused by these inaccuracies. 

Thank you for your immediate attention to this matter. 

Sincerely, 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 2024-11-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
Chime is false advertising their services. I disputed a {$100.00} charge. {$25.00} of it was refunded. I was told twice that I was going to receive a credit for the rest of the {$75.00} but now after calling in today for the XXXX time I'm being told that I'm no longer going to receive this credit and she transferred me over to the spot me department because she said I would be eligible for that until the credit came through. Then the spot me department told me that I am not eligible for the spot me even though I've been a customer for over 5 years and that I'm not eligible because of the state I live in. I've attached a thing from chime that says the requirements and it doesn't say anything about the state that you live in. They're false advertising services to get people to deposit more and more money into their accounts only to be rejected. I've had the spot near future before and it was just taking it away for absolutely no explanation as to why. As soon as my balance gets low and I can actually benefit from this feature, it is no longer available now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: PA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my 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 explanation
Consumer complaint received 2024-11-30 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: CA

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. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation