vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-28 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: MI

Complaint narrative:
In accordance with the fair credit reporting act, the list of the accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15, USC 1681. 
The accounts below have violated my rights 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 15 usc 1681 SECTION 602 A states I have a right to privacy 15 USC 1681 SECTION 604 A SECTION 4 states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681s-2A ( 1 ) A person can not furnish any information relating to a consumer to any other consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 usc 168c ( a ) ( 5 ) section states : No consumer agency may make any consumer report containing any of the following items of information, any other adverse information other than criminal records and convictions of crimes which antedates the report for more than 7 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: MI

Complaint narrative:
In accordance with the fair credit reporting act, the list of the accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15, USC 1681. 
The accounts below have violated my rights 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 15 usc 1681 SECTION 602 A states I have a right to privacy 15 USC 1681 SECTION 604 A SECTION 4 states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681s-2A ( 1 ) A person can not furnish any information relating to a consumer to any other consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 usc 168c ( a ) ( 5 ) section states : No consumer agency may make any consumer report containing any of the following items of information, any other adverse information other than criminal records and convictions of crimes which antedates the report for more than 7 years.

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 2024-10-28 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:
At the beginning of this year I requested from all the major credit report companies my credit report because I notice while checking Credit Karma, that it said I had {$64000.00} in student loans debt when I reconfirmed then and again today with my federal student loans provided XXXX that my account balance is only {$30000.00} dollars. Plus its just impossible for me to have that much debt when I got the maximum amount of loans I could four years ago in XX/XX/XXXX. Plus Credit Karma and XXXX are reporting that I opened more student loans years after my graduation date including on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
I requested the a credit report via mail in XXXX I believe because thats the only free option they gave me. XXXX and XXXX both mailed me the report but I never received my report in the mail from XXXX and I can prove this because both the XXXX and XXXX reports have exact same date for when the report was made. I then submitted a dispute via Credit Karma, which notified XXXX on XX/XX/XXXX, that I believed my entire report was incorrect but all they did was change a the single loan that the dispute is attached to because you cant dispute more than one loans at a time and it takes at least a month for the dispute to be processed. Around this time I was literally getting promoted to be a teacher so I let the matter go for some months till now again seeing XXXX and Credit Karma are seemingly adding my brothers student loans and other personal/auto debt onto my credit report and I believe its ruining my chances of getting loans to start my own business or simply getting credit cards or anything having to do with credit. After sending a dispute sayingy entire report was wrong they only changed a single loan on my statement. I explicitly expressed that the entire report was wrong. And honestly I dont even know how long its been since theyve been misreporting my loans.

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 2024-10-28 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: AL

Complaint narrative:
Subject : Formal Demand for Removal of Fraudulent Credit Information To Whom It May Concern, I am writing to demand immediate action regarding fraudulent entries on my credit report. My personal information was illegally compromised on the dark web, leading to unauthorized transactions and the creation of accounts without my consent. 

Pursuant to 12 C.F.R. 1022.142, I am entitled to have these illegitimate entries removed from my credit history. Enclosed, you will find supporting documentation that underscores the urgency and legitimacy of my request. 

The following entries are fraudulent and must be expunged from my credit report : XXXX. XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX  XXXX of inquiry : XX/XX/XXXX XXXX. XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  XXXX of inquiry : XX/XX/XXXX XXXX. XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX  XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX  Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX The presence of these inaccuracies has caused significant distress and potential harm to my creditworthiness. I expect prompt attention to this matter and the removal of these entries within the legally mandated timeframe. 

Failure to address this issue satisfactorily will compel me to explore all available legal remedies to ensure the protection of my rights. 

I anticipate your immediate cooperation and confirmation of the removal of these fraudulent entries. 

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 non-monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: KY

Complaint narrative:
Attempted a transfer from a linked bank account in the amount of {$330.00} on XX/XX/year>. Transfer was declined. 
Chime suspended my account and asked for ID, bank statement and a reason the transfer as declined. 
I have provided them this information multiple times and they still insist I send more documentation that doesn't exist. I just want access to my account and my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: CA

Complaint narrative:
On my profile in the EXPERIAN credit bureau, it states an account by the neame of XXXX XXXX  that {$2700.00} has been charged off/ written off/ past due. 

I have submitted letters to validate the alleged debt. The following information has been requested already : Agreement with your client that grants you the legal authority to collect on this alleged debt. 

Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 

Any insurance claims been made by any creditor regarding this account. 

Any Judgments obtained by any creditor regarding this account. 

Name and address of alleged creditor. 

Name on file of alleged debtor. 

Alleged account number. 

Address on file for alleged debtor. 

Amount of alleged debt. 

Date this alleged debt became payable. 

Date of original charge off or delinquency. 

Verification that this debt was assigned or sold to collector. Complete accounting and itemiz
ed statement of alleged current debt balance and how it was calculated Commission for debt collector if collection efforts are successful. 

Proof that I am the alleged person who owns the debt, or incurred that debt

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 2024-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have tried multiple times to contact Syncrony bank and thru their AI Ive been bounced around like a ping pong ball. Every 2 to 3 months they are illegally changing my statment options, Ive updated emails and called. They keep changing to paper statements saying there bouncing back, but I get the statements. They refuse to offer technical support

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 monetary relief
Consumer complaint received 2024-10-28 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: IL

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : US DEPARTMENT OF EDU Account Number : XXXX Date of Charge-Off : XX/XX/year> **The highlighted info can be obtained directly from your credit report. If you need assistance with getting your credit report please see the instructions page included. 
It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. 
Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). 
Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
Trequest an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Halsted Financial Services, LLC.
State: FL

Complaint narrative:
I know nothing of the sale of my account no information on how to dispute got a short summary of account etc I feel like the information given and no way to counter violates the collection laws and want it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: PA

Complaint narrative:
RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE. 

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY XXXXXXXX XXXX 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 PLEASE REMOVE THE INMEDIATY THIS HARD INQUIRIES

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 2024-10-29 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: AZ

Complaint narrative:
I am asking for your help regarding an incorrect account being listed on my credit report, which has affected my reputation as a customer. These accounts should be removed, as they have been reported inaccurately and negatively.

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 2024-10-28 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 recently checked my credit report and noticed multiple inquiries from your company that I dont recognize or remember authorizing. This is really concerning, as its affecting my credit score and causing me a lot of stress.

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 2024-10-29 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 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 FCRA 605B ( Identity Theft Claims ). 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.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion has an incorrect piece of information on my credit report that there is no way to dispute it. I keep logging in and it says it's not my login information and that I need to create a new account. When I try to do that it prompts me to login with my existing account, only to tell me the login info is wrong and I need to reset it. When I try to reset everything including the login name it says " unable to retrieve login information. '' It's just taking me in circles at this point and this is really frustrating because there is a fraudulent charge on my credit report that is negatively affecting my credit

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 2024-10-29 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 identified unauthorized inquiries in my report under 15 USC 16c-2. They are incorrect and hurting my credit score. Please delete 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 2024-10-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
The branch of Truist Bank that we use is located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. 

My wife and I had XXXX loans in XX/XX/year>, {$80000.00} in a home equity line of credit and approximately {$120000.00} in a HELOC fixed draw at 3.89 %. We paid off the line of credit on XX/XX/year>. 

We now have one payment, for the fixed draw, of {$1100.00}, due on the XXXX of each month. We use the Truist online banking application. 

My complaint is that, for XXXX, without explanation or notice, Truist Bank applied the entire HELOC fixed payment of {$1100.00} to interest, ( {$0.00} to principal, ) and for XXXX, {$970.00} to interest and only XXXX to principal. 

Our latest HELOC fixed draw payment, for XX/XX/year> was {$730.00} in principal and {$410.00} in interest, so I know that we should have been credited around {$700.00} for a principal payment in XXXX and in XXXX. 

My wife has met several times with, and requested an explanation and correction from, XXXX XXXX, XXXX XXXX at XXXX. My wife was given the number for XXXX XXXX, Client Resolution Specialist, who told her that we had not made any payments and then sent a letter dated XX/XX/year> to explain how interest rates are calculated. 

My wife met with XXXX again and was given XXXX XXXX XXXX  XXXX, Branch Leader at XXXX. XXXX said the matter had been taken to the top level and the decision complied with every banking regulation. It could not and would not be changed, there was nothing more that we could do and no one else to talk to. She also refused to explain the action saying that she would not discuss " hypotheticals '' with my wife.

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 2024-10-29 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: AZ

Complaint narrative:
I am asking for your help regarding an incorrect account being listed on my credit report, which has affected my reputation as a customer. These accounts should be removed, as they have been reported inaccurately and negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: PA

Complaint narrative:
I need to emphasize that this issue is not a simple mistake. The inaccuracies on my credit report have been deeply troubling and continue to negatively impact my life in ways that are hard to describe. These are difficult times, and the stress from these errors is overwhelming.

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