vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Dear CFPB, I am writing to address significant inaccuracies in my personal information on my credit report. The following details should be corrected as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, MI XXXX Date of Birth : XX/XX/1991 The current information on my credit report regarding my name, address, and date of birth is incorrect. I kindly request the immediate removal of these inaccuracies from my credit report, as they are impacting my ability to secure financial opportunities. 

Your prompt attention to this matter is greatly appreciated, and I anticipate swift resolution. 

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 non-monetary relief
Consumer complaint received 2023-10-13 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: Cascade CISS Holdings, LLC
State: IL

Complaint narrative:
On or about XX/XX/2023, I notified XACTUS-CP fraud department of an unauthorized inquiry on my credit file. XACTUS-CP did not perform a proper investigation and negligently placed these unauthorized inquires on my account. I do not have any knowledge of who gave them permissible purpose, and they have not provided any evidence to the contrary. The only reasonable suspect is XACTUS-CP. Therefore, XACTUS-CP who's headquarters is located at XXXX XXXX XXXX XXXX XXXX MD XXXX did fraudulently AUTHORIZE AN INQUIRY TO BY ADDED ON MY CREDIT FILE WITHOUT MY PERMISSION and has a proximate causation for my pain and suffering. And should be recommended for criminal prosecution under the False Claims Act 31 U.S.C. 3729 - 3733 by the Attorney General. 

On or about XX/XX/2023, I notified XACTUS-CP/ XXXXXXXX XXXX  XXXX fraud department of an unauthorized inquiry on my credit file. XACTUS-CP/XXXX XXXX XXXX did not perform a proper investigation and negligently placed these unauthorized inquires on my account. I do not have any knowledge of who gave them permissible purpose, and they have not provided any evidence to the contrary. The only reasonable suspect is XACTUS-CP/XXXX XXXX XXXXXXXX. Therefore, XACTUS-CP/XXXX XXXX  XXXX who's headquarters is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, did fraudulently AUTHORIZE AN INQUIRY TO BY ADDED ON MY CREDIT FILE WITHOUT MY PERMISSION and has a proximate causation for my pain and suffering. And should be recommended for criminal prosecution under the False Claims Act 31 U.S.C. 3729 - 3733 by the Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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:
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. 

has violated my rights. Or a list of inquiries : 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 XXXX 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.

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 2023-10-13 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: PA

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. Act Name : XXXX XXXX, Act Number : XXXX, Act Name : XXXX XXXX Act Number : XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, The list of inquiries below has violated my federally protected consumer rights. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX CO, XXXX, XXXX XXXX XXXX, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: PA

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. Act Name : XXXX XXXX, Act Number : XXXX, Act Name : XXXX XXXX Act Number : XXXX. 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, The list of inquiries below has violated my federally protected consumer rights. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX CO, XXXX, XXXX XXXX XXXX, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 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 2023-10-13 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I went to the Mattress  Firm in XXXX XXXX at XXXX XXXX, asked to look at mattresses and stated that i did not want my credit ran. I did not sign up for any sort of loan or loan process and was informed via credit karma that a hard inquiry was ran against my account for a loan for this company.

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 2023-10-13 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: NC

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.

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. 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.

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 2023-10-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: GU

Complaint narrative:
To whom may be reading this email, I have a concern regarding my student loan payment under Aidvantage. I recieved an email on XX/XX/XXXX, that I owe {$570.00} by XX/XX/XXXX for my student loan payment. I originally applied for AutoPay for my student loan account on XX/XX/XXXX, but the auto pay appeared to not work because i received an alert that I missed a payment on XX/XX/XXXX. I made a payment of {$570.00} on XX/XX/XXXX and received a confirmation email regarding the payment. On XX/XX/XXXX, I reapplied for AutoPay again with Aidvantage. 

I received an email this morning, XX/XX/XXXX, that my payment was " posted '' XX/XX/XXXX. I logged in my Aidvantage Account and saw that I have " no recent payments. '' On my Payment History, I see that my {$570.00} payment was done on XX/XX/XXXX, but then, on XX/XX/XXXX, a " payment reversal '' of the {$570.00} is indicated also on my payment history. I also checked with my bank and noted that the funds were never transferred. 

I am very confused of why my payment was reversed despite receiving an email indicating that my payment was " posted '' on XX/XX/XXXX. I have been trying to get a hold of a representative of Aidvantage via telephone with their customer service number of XXXX, but it has been really difficult. While waiting to be connected to a representative, the call was cut three times. I waited four over two hours with no connection to a representative. I have left an email regarding my concern of my payment, but I have not received a response. 

To add on, when I reapplied for AutoPay on XX/XX/XXXX, I indicated specific amounts for each loan ( all a little over than the intended payment, totaling $ XXXX/month ). I received an email from Aidvantage this morning, XX/XX/XXXX, that " the payment term for your loans has changed. Next payment amount : {$280.00}. Next payment due date : XX/XX/XXXX. '' I do not understand why they changed my payment back down to {$280.00}, when I requested for Autopay of {$310.00} a month. 

I hope my concerns will be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On XXXX XX/XX/2023 at XXXX got an email from Ally bank stating -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX, we declined a recent transaction because you didnt have enough money in your Spending Account to cover it. 

What you need to know about the transaction we declined {$300.00} XXXX XXXX XXXXXXXX XXXX  never charge you an overdraft fee, but check with the recipient for this transaction. They may charge a fee on their end. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I have {$630.00} as account balance at that time but still the transaction is declined. 
I called Ally bank and talked to XXXX ( interaction # XXXX ). She couldn't help. When asked to talk to the supervisor. Hold time of around XXXX minutes but no supervisor is readily available.

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 2023-10-13 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On my XXXX, XXXX, and Experian Credit score does not goes up, when new accounts added to credit report. Also, XXXX XXXX  account was removed from my XXXX and XXXX credit report without my knowledge. I'm requesting for thee XXXX to be added back to my XXXX, and XXXX 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 2023-10-13 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 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: TX

Complaint narrative:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

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 2023-10-13 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
In accordance with the fair creditor reporting act this creditor has violated my wrights. Under 15 USC 1681 section 602 it states that I have the right to privacy. 15 USC 1681 section 604A section 2 also states that consumer reporting agencies can not furnish a account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purposes.

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 2023-10-13 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: Continental Finance Company, LLC
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, section 602, which states that I have the right to privacy. 15 USC 1681, section 604 ( a ), section 2, also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ), a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late FOR ANY PURPOSE.

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 2023-10-13 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: TX

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.

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. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I was going over my credit report when I noticed unauthorized items and i would like it to be removed. 

( Experian, XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I opened a ally account to use XXXXwhich I now transferred the info to my XXXX XXXX  to use their XXXX the person on the phone was rude as XXXXdemanded to know why this person sent me money, what it was going to use for, and now they want to add her to my account they locked me out of my acct. 
froze the XXXX that was sent to me-it is none of their business what I am using the money for I want it transferred to XXXX, because I dont like their attitudes

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 2023-10-13 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: TN

Complaint narrative:
I respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation. I've attached the required documentation to validate my stance. I appreciate your swift action to address and correct this issue by ensuring the removal of the account from my credit report. Your prompt attention to this concern is greatly valued.

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