vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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 explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Florida Financial Management dba Lend A Dollar
State: TX

Complaint narrative:
I have requested multiple times to revoke authorization from my bank account and it has not been honored, attached are the emails as proof of my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: KS

Complaint narrative:
I was shocked to find inaccurate accounts on my credit report this morning, and I have no idea how they got there. I check my credit report regularly, and this time, out of nowhere, there were errors. I even tried refreshing the page, hoping it was just a glitch, but the inaccuracies remained. Because of this, I'm asking for a thorough review of the documents I've submitted so I can finally stop worrying about this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 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: MI

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX we approved for a 3 month forbearance plan with our original mortgage servicer XXXXXXXX XXXX XXXX XXXX. That servicer sold/transferred our servicing to XXXX Mortgage XXXX XX/XX/XXXX, before our 3 month period had lapsed. Immediately our credit score was tarnished, albeit a stipulation of the forbearance was that it would not affect our credit score. XXXX ignored this and continues to report our account as delinquent during forbearance, with reckless regard for our credit. 

We extended our forbearance plan through XXXX, but have not out any subsequent paperwork with XXXX. From what I know to be fact regarding contract law, XXXX can not ignore the agreement and obligations set forth by XXXXXXXX XXXX XXXX XXXX 

This is the second time our score has been tarnished because of XXXX. With rates falling, we would like to refinance but am likely unable to do so. 

Below is a brief timeline of events : Friday XX/XX/XXXX XXXX check in call Sat XX/XX/XXXX Incoming XXXX Call ( scheduled at XXXX? ) Fri XX/XX/XXXX XXXX XXXX Tue XX/XX/XXXX XXXX XXXX Mon XX/XX/XXXX XXXX Call Thu XX/XX/XXXX Incoming XXXX  Call ( appointment regarding submitted application ) Fri XX/XX/XXXX Submitted Mortgage Assistance Application to XXXX Mon XX/XX/XXXX XXXX Call Tue XX/XX/XXXX Credit bureaus updated Wed XX/XX/XXXX XXXX Call Tue XX/XX/XXXX XXXX XXXX  account reported delinquent to credit bureaus Mon XXXX XXXX  Call Thu XX/XX/XXXX XXXX becomes new loan servicer Mon XX/XX/XXXX - Beginning of Unemployment Forbearance ( until XX/XX/XXXX ) Thu XX/XX/XXXX Loss Mitigation Application submitted to 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 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Nations Direct Mortgage, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX we approved for a 3 month forbearance plan with our original mortgage servicer Nation 's Direct Mortgage. That servicer sold/transferred our servicing to XXXX Mortgage XXXX XX/XX/XXXX, before our 3 month period had lapsed. Immediately our XXXX XXXX was tarnished, albeit a stipulation of the forbearance was that it would not affect our credit score. XXXX ignored this and continues to report our account as delinquent during forbearance, with reckless regard for our credit. 

We extended our forbearance plan through XXXX, but have not out any subsequent paperwork with XXXX. From what I know to be fact regarding contract law, XXXX can not ignore the agreement and obligations set forth by Nation 's Direct Mortgage. 

This is the second time our score has been tarnished because of XXXX. With rates falling, we would like to refinance but am likely unable to do so. 

Below is a brief timeline of events : Friday XX/XX/XXXX XXXX check in call Sat XX/XX/XXXX Incoming XXXX  Call ( scheduled at XXXX? ) Fri XX/XX/XXXX XXXX XXXX Tue XX/XX/XXXX XXXX XXXX Mon XX/XX/XXXX XXXX  Call Thu XX/XX/XXXX Incoming XXXX Call ( appointment regarding submitted application ) Fri XX/XX/XXXX Submitted Mortgage Assistance Application to XXXX Mon XX/XX/XXXX XXXX XXXX Tue XX/XX/XXXX Credit bureaus updated Wed XX/XX/XXXX XXXX XXXX Tue XX/XX/XXXX Nations Direct account reported delinquent to credit bureaus Mon XX/XX/XXXXXXXX XXXX  Call Thu XX/XX/XXXX XXXX becomes new loan servicer Mon XX/XX/XXXX - Beginning of Unemployment Forbearance ( until XX/XX/XXXX ) Thu XX/XX/XXXX Loss Mitigation Application submitted to Nations Direct Mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: AZ

Complaint narrative:
I hope this letter finds you well. I am writing to request the removal of a paid charge-off from my credit report, as well as to bring to your attention certain inaccuracies related to the reporting of this account. The account in question is as follows : Account Name : XXXX Account Number : XXXX I have identified discrepancies in the reporting of this account, specifically regarding late payments and the dates of delinquency, which do not align with my records. This inaccurate information is adversely affecting my credit score and, in turn, my ability to obtain new credit or loans, despite my efforts to maintain responsible financial behavior. 
Please review and send me confirmation of the last paid date, payment history, credit limit, payment status, last reported date and any additional information to validate the information provided to the credit bureau. 
I kindly request a thorough review of this account and an update to the information being reported to the credit bureaus. If these inaccuracies can not be substantiated, I respectfully ask that you promptly remove the charge-off and any incorrect late payment entries from my credit report. Your assistance in this matter would significantly help in restoring my credit standing and alleviating the difficulties Im currently facing in obtaining new 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 non-monetary relief
Consumer complaint received 2024-10-09 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: AZ

Complaint narrative:
I hope this letter finds you well. I am writing to request the removal of a paid charge-off from my credit report, as well as to bring to your attention certain inaccuracies related to the reporting of this account. The account in question is as follows : Account Name : XXXX Account Number : XXXX I have identified discrepancies in the reporting of this account, specifically regarding late payments and the dates of delinquency, which do not align with my records. This inaccurate information is adversely affecting my credit score and, in turn, my ability to obtain new credit or loans, despite my efforts to maintain responsible financial behavior. 
Please review and send me confirmation of the last paid date, payment history, credit limit, payment status, last reported date and any additional information to validate the information provided to the credit bureau. 
I kindly request a thorough review of this account and an update to the information being reported to the credit bureaus. If these inaccuracies can not be substantiated, I respectfully ask that you promptly remove the charge-off and any incorrect late payment entries from my credit report. Your assistance in this matter would significantly help in restoring my credit standing and alleviating the difficulties Im currently facing in obtaining new credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-09 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-09 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: TN

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I tried to apply for appartment and they will not approve me because of apartment collection. I went through a previous hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: PA

Complaint narrative:
It is unacceptable to have this late payment on my account, given my history of making payments on time. Please remove it and update my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: AZ

Complaint narrative:
I have recently discovered unauthorized accounts on my financial report that I do not recognize. These accounts appear to be fraudulent and are significantly affecting my credit scores. I am concerned about the unauthorized activity and the potential impact on my financial standing.

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 2024-10-09 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: LA

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-10-09 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: AR

Complaint narrative:
Im stunned and disappointed to find wrong accounts on my credit report this morning. Ive always kept a close eye on my credit, but this time, something was seriously off. When refreshing the browser didnt remove the errors, I knew it wasnt a glitch. Because of this, I am requesting a thorough review of the documents Ive submitted, so I can feel confident this will never happen again.

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 2024-10-09 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/XXXX, I contacted PayPal 's credit department after receiving a letter indicating that my monthly statements were not being sent to my email. The letter prompted me to reach out to rectify the situation. I confirmed that my email address remained unchanged and was functioning properly. Despite this, I had not received any statements from PayPal. During the call, I explained my situation to an agent at SYNCB/PAYPAL, but when I attempted to verify my account, I encountered another issue : the security code needed for verification was not being sent to my registered phone number. 

After explaining this problem, I was transferred to several different departments throughout the call, but despite my efforts, the issue remained unresolved. No one was able to provide a solution to why both the email statements and security code verifications were failing, and by the end of the call, no progress had been made in fixing either issue. 

Later that evening, I received notifications from all three major credit bureaus informing me that I now had a balance on my PayPal credit account. This development immediately caused a decrease in my credit score, which was both unexpected and concerning. The sudden reporting of the balance on XX/XX/XXXX seemed out of place, as my billing cycle for this account is on XX/XX/XXXX, and my payment due date is on XX/XX/XXXX. This raised the question of how SYNCB/PAYPAL could have submitted my account balance information to the credit bureaus well before the normal reporting date, especially when I had reached out that same day due to communication issues. 

This sequence of events has caused significant confusion and frustration. Not only was I unable to resolve the issues with my account and the missing statements, but I am also now facing the added stress of a drop in my credit score, seemingly caused by a premature reporting of my account balance. Given the circumstances, I am seeking clarity and resolution regarding the premature reporting and ensuring that my account 's communication channelsemail and phone verificationare restored to proper functioning.

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 2024-10-09 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:
Sent Letter to company about Fraudulent account being removed from my credit report no response was given filed complaint with XXXX  Account Name : XXXX Account # XXXX Account Name : XXXX XXXX  Account # 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 2024-10-09 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: GA

Complaint narrative:
Sent Letter to company about Fraudulent account being removed from my credit report no response was given filed complaint with XXXX  Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: GA

Complaint narrative:
Subject : Unauthorized Transaction Dispute Denied by Chime Request for Reopening and Refund Complaint Description : I am filing this complaint against Chime regarding the denial of my dispute for an unauthorized {$510.00} transaction to XXXX XXXX on my account ending in XXXX. I did not authorize this transaction, and my card and personal information have been compromised. 

Key details of my case include : Unauthorized Transaction : A {$510.00} charge was made to XXXX XXXX, a company I have never done business with or authorized any payment to. 

Compromised Access through Family Phone Plan : I have two phones under a family plan, and the second phone has access to my account details. I believe that someone used this second device to view and misuse my card information, resulting in the fraudulent transaction. 

XXXX XXXX XXXX : I was also a victim of the XXXX data breach, which exposed my personal information and made me more vulnerable to fraud and identity theft. Another fraudulent charge was made to my XXXX XXXX account around the same time, which was investigated and confirmed to be fraud by XXXX XXXX. 

Legal Protections : Under the Electronic Fund Transfer Act ( EFTA ) and Regulation E, I am entitled to protection from unauthorized transactions, and as I promptly reported the issue, I should not be liable for the fraudulent charge.

I have already provided all the necessary information to Chime, including details about the unauthorized transaction, but my dispute was still denied. This decision seems unfair given the facts and supporting evidence of fraud.

Company response to consumer: Closed with non-monetary relief