vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-15 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: NY

Complaint narrative:
To Experian that whom it may concern regarding issues or concern, on the day XX/XX/XXXX Experian reported a fraudulent account that said to be a collection/ charge off to my report when this was in very good standing payment history since account open until XX/XX/XXXX updated credit report statements. This is Clearly billing errors and in Violation under 15 U.S. Code 1666 ( b ) billing error ( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement. Means the Account that I legally paid in full and reporting to XXXX and XXXX as good standing and never had late is in status as Closed or paid account/zero balance is exactly in 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor/ Under FDCPA Section 807 Violation Misleading False Reporting. 
Immediately Update this to paid on time and never late XXXX with 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 2024-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion, has an inquiry on my credit report that I do not recognize ( XXXX XX/XX/year> ), I have sent several letters, I have called several times and they do not agree to delete the aforementioned inquiry that is affecting my score.

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 2024-06-15 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: NV

Complaint narrative:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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 information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, 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 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 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 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 2024-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: DC

Complaint narrative:
I opened a dispute with my XXXX Fidelity credit card for about {$800.00} resulting from an incident in which a XXXX customer service representative told me the wrong information when I was seeking a refund I was owed for tickets I had purchased but that were never delivered to me, resulting in XXXX refusing to provide me the refund. I opened a dispute with Fidelity, because I purchased the tickets originally with my Fidelity XXXX card. I was told I would receive a letter in the mail asking for more information so Fidelity could investigate the dispute. I waited, but never received the letter in the mail. About a month later I received a letter in the mail saying my dispute was being closed because I did not provide the required information. I immediately called back to ask for the dispute to be reopened. The customer service agent told me she reopened the dispute. I asked her whether I could provide the necessary information over the phone instead of waiting to receive a letter in the mail. She said yes and I explained the details of the dispute. She said Fidelity would follow up with me about next steps. When about a month passed and I didnt hear anything, I called Fidelity back. I was told the dispute was never reopened and that under XXXX strict rules it could not be reopened because more than 30 days had passed since I opened it. That sounds like a completely arbitrary and overly restrictive rule meant to deny valid disputes. Fidelity is refusing to help me, and I have now been scammed by both XXXX and Fidelity. It is clear the companies are using their immense corporate power to steal money from hard working people like myself. Fidelity claims they sent me a letter and called me twice to ask for more information about the dispute, but I never received the letter and dont have a record of missed calls from them in my call log. I am being denied the opportunity to have my dispute considered and I need help. There is a serious problem here. I have always been incredibly willing to provide whatever information Fidelity needs to resolve the dispute but they intentionally make it very difficult to do so so they can avoid paying out legitimate claims. This is a major problem.

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 2024-06-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: South Carolina Student Loan Corp
State: NH

Complaint narrative:
XXXX XXXX  XXXX embarrassed me at my place of work by calling and asking for me. Their number was on the caller ID so it is obvious to anyone who looked them up after transferring the call to me. 

This person was not friendly and I believe acted in a very malicious manner by trying to intimidate me and embarrass 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 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: CA

Complaint narrative:
First progress card is reported with XXXX and alleged to be Charge-OFF is reported in deficiency of reporting mandates and or rites therefore the misstatement must be eradicated as is my licitly requested resolution, please do so HERE AND NOW! This claim has suggested ailments in at least XXXX or more of the following reported data fields jeopardizing its credibility and integrity as reported when reported : On the subject of the item questioned above, reported as for XXXX, or XXXX, and as for XXXX and as such is one, each or all in aberrancy from the requisite standard ( XXXX ) and or is not proven much less certifiably compliant to its principal mandates as its relevant and consequential for compliant reporting acquiescence. This field, as reported, is a divergence from the established CDIAs reporting standards and or is evidently reported XXXX or more of being untrue, inaccurate, inconsistent, incomplete, untimely, unverifiable, and or else wise not confirmed certifiably compliant to all mandates for ethical and lawful reporting proclivity! Clearly, this field asserts that potentially this item of reporting is or is not yet unproven to be an aberrancy at issue with reporting accuracy and or compliance standards. 


IF you choose to remove the account from my consumer report I will no longer pursue arbitration. I advise you strongly consider removing the inaccurate account from my consumer report and follow the FCRA regulations. or you will incur not only filling fees, but you will incur arbitrator Fees which can be from $ XXXX per day. The amount of money you will have to pay to only lose in arbitration is not worth the time or money. This is my only and last communication directly with you to resolve this manner. 

You have been notified of the inaccurate reporting which now you are mandated to remove from my report or be in violation of 15 USC 1681n Willful Non Compliance which I am entitled to {$1000.00} for damages sustained, and you are in violation of 15 USC 1681o Negligent NonCompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 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: IN

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. 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. I am writing to request that you block the following Incorrect 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 2024-06-15 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: NY

Complaint narrative:
Second time I'm disagreement with the account listed below with my credit report still appearing, even after your investigation. I would like item immediately- re-investigated. the inaccuracies are highly to my credit score. 

XXXX XXXX # XXXX in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Sections 611, please provide the name and business addresses of each individual with whom you verified above so that I may follow up. Please send an updated copy of my credit report after your re-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 2024-06-15 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: CA

Complaint narrative:
Equifax is continuing to report information on my credit report that is not mine. This incorrect information has been confirmed by XXXX XXXX by letter as well as removed from my other credit reports. However, Equifax continues to report it as mine and it is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On or about XX/XX/year>, an Equifax credit report ( Report Confirmation XXXX ) was pulled. After reviewing my credit report, I noticed discrepancies with an account from XXXX XXXX XXXX. 
On or about XX/XX/year>, I filed a dispute with Equifax requesting written verification of the payment amount information listed on this account. The payment history lacks data, constituting incompleteness and a violation of the FCRA. I also requested verification of the account holders identity, confirmation of the accuracy of the reported account details, verification of the entire payment history ( including any owed amounts and dates of payments ), and documentation proving the legitimacy of the reported account. 

On or about XX/XX/year>, Equifax completed the dispute and sent a report ( Report Confirmation XXXX ). However, they did not provide any information regarding how the disputed information was verified as valid. I was not given proper documentation showing how this information was furnished. The account was listed as Transfer/Sold/Paid, yet Equifax informed me that the submitted information was correct without explaining how they validated information from an account that had been transferred or sold from the original company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. 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. I am writing to request that you block the following Incorrect 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 non-monetary relief
Consumer complaint received 2024-06-15 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: IN

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. 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. I am writing to request that you block the following Incorrect information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Grow Credit Inc
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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. 1681s-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. Congress has limited the use of consumer reports to protect consumers privacy. All users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Section 604 contains a list of the permissible purposes under the law. ( FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. ) Examples of things that are not permissible include curiosity, litigation in connection with attempts to collect a debt, marketing, or criminal sanctions. If a user takes any type of adverse action as defined by the FCRA that is based at least in part on information contained in a consumer report, Section 615 ( a ) of the FCRA requires the user to notify the consumer. The notification may be done in writing, orally, or by electronic means. The term " adverse action '' is defined very broadly by Section 603 of the FCRA. Adverse actions include all business, credit, and employment actions affecting consumers that can be considered to have a negative impact as defined by FCRA 15 U.S.C. 1681 et seq. : Section 603 ( k ). This includes denying or canceling credit or insurance, denying employment or promotion, denying a rental application, increasing a security deposit or rent, or requiring more restrictive lease terms because of a report. No adverse action occurs in a credit transaction where the creditor makes a counteroffer that is accepted by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management has placed a collection account on my credit report for {$13000.00}. I never had an account with Midland Credit Management and want to see proof they own this debt. 

I want to see a bill of sale and/or assignment specifically showing my name and account number. If the bill of sale is governed by purchase and sale agreement, I want to see a copy of that also to verify a clean chain of custody. 

I also want a copy of the assignment of my account to Midland Credit Management. This assignment must show my name and identify the account being assigned.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-15 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: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-15 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
I have a Lowes store credit card through Synchrony bank for the past XXXX months. I have been making payments on time and paying more than my minimum requirement. I have not used it for over a few months and last month they decreased my credit limit and reported it to credit agency. In return the credit agency reduced my credit rating. I was making payments and being a good customer and synchrony bank punished me for not using my card. Now Im trying to fix my credit rating because of them.

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 2024-06-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Marlette Funding, LLC
State: NV

Complaint narrative:
I applied for a loan, Bestegg offered me a XXXX $ loan that I could use to pay off other smaller high interest loans. I accepted the offer, I was instructed that the company, Bestegg, would cover the taxes and fees for the loan. I was instructed that the fees would be deposited in my account. Bestegg instructed me to load XXXX seperate barcodes at XXXX to make the payments. I followed instructions. They contacted me back saying I loaded to wrong amount and would need to do again. BestEgg loaded more funds and instructed to do again. I complied. It was reported the funds were wrong again, was instructed to do XXXX more time and the loan would be funded. I follwed instructions again, but apparently the daily max had been reached, so I was instructed to purchase XXXX XXXX prepaid cards for {$500.00}, {$500.00} and {$400.00}. After I gave them the numbers I was told something was off and I would be contacted on how to fix. My calls and emails have been unanswered and there were multiple transactions on my account leading to my bank flagging, now all my funds, my personal paycheck was moved and the account is negative by over XXXX $

Company response to consumer: Closed with explanation