vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: NY

Complaint narrative:
I am a federally protected consumer with the right to privacy. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information, to insure the security and confidentiality of customer records and information ; to protect against any anticipated threats or hazards to the security or integrity of such records ; and to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to the consumer. XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, INNOVIS, and XXXX XXXX XXXX has continued to break to law while causing harm to my family.I have not given my written consent to furnish this account information and have I long ago contacted the creditor in writing and opted out off all communication regarding this account. The continued inaccurate reporting of this account shows that these companies have failed to adopt reasonable procedures which are mandated by federal law. Aside from the inaccuracies there are several experiences listed on my credit report that occurred between me and this creditor which violates the FCRA. Further, the IRS says that a charge off/cancelled dept qualifies as income, and I am supposed to receive a XXXX from the creditor to claim my income, ( which this creditor has failed to provide ). Specific information regarding my income should not be advertised on my credit report. Lastly I have never received a bill statement from this creditor in a timely manner as required by law, yet until this account closed they continued to credit my account with late payment and additional charges. The negligence of these financial institutions have caused myself and my family extreme harm and anguish. 

These financial institutions have violated the following Federal rules and regulations 15 USC 6802- ( b ) ( 1 ) ( B ) by failing to comply with 16 CFR 314.3 ( b ) ( 1 ) 15 USC 1666b- ( a ) by failing to comply with 12 CFR 1026.7 15 USC 1681- ( b ) 15 USC 1681a- ( d ) ( 2 ) ( A ) ( i ) by failing to comply with 12 CFR 1022.20 ( b ) ( 3 ) 15 USC 1681b ( a ) ( 2 ) IRS Publication XXXX The Privacy Act of XXXX I am asking the CFPB to investigate these companies negligence. These companies have made my life difficult in reporting this account for the for almost 6 years. Now it is XXXX and I'm not able to get my family what they need

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your 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 2024-12-26 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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:
Please check this complaint thoroughly, this is not sent in error. There seems to be information that was mixed on my report, I kept seeing accounts, transactions and items that are not mine, this is really troubling and it's causing me undue stress and anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP
State: PA

Complaint narrative:
I am writing to formally address significant inaccuracies in the payment history of my AMERICAN HONDA FINANCE CORP account on my credit report. Despite multiple attempts to resolve these issues through AMERICAN HONDA FINANCE CORP dispute department, I have received persistent, yet erroneous, verifications claiming the reported payment history is accurate. I am reaching out directly to you in the hope that this matter can be finally and fully addressed.

Under the Fair Credit Reporting Act ( FCRA ) and the Consumer Data Industry Association ( CDIA ) standards, I am entitled to accurate, verifiable information on my credit report. Regrettably, the inaccuracies on my AMERICAN HONDA FINANCE CORP account appear to breach AMERICAN HONDA FINANCE CORP legal obligations as a data furnisher under the FCRA and relevant XXXX XXXX guidelines, as follows : Details of the Disputed Information Account Name and Number : AMERICAN HONDA FINANCE CORP - XXXX Reported Inaccuracies : o Erroneous and inconsistent payment history entries o Incorrectly marked missed payments in certain months Applicable FCRA and CDIA Violations 1. FCRA 611 ( 15 U.S.C. 1681i ) : Procedures for investigating disputed accuracy, which mandates a prompt and thorough investigation within 30 days of a dispute. The response Ive received thus far falls short of these requirements.

2. FCRA 623 ( 15 U.S.C. 1681s-2 ) : Responsibilities of furnishers to report accurate information. Given the inconsistencies in my payment history, it is apparent that AMERICAN HONDA FINANCE CORP - XXXX has not fulfilled this obligation, as these discrepancies continue to remain uncorrected. 

The CDIA and Metro 2 standards also mandate a rigorous data accuracy protocol. AMERICAN HONDA FINANCE CORP - XXXX reporting of inconsistent and misleading payment history not only disregards these standards but also places an unjust burden on me as a consumer to continually dispute incorrect information. 

Demand for Correction and Compliance : Removed this entire account or update all PAYMENT to current/on time. 
I demand that AMERICAN HONDA FINANCE CORP - XXXX immediately correct the inaccurate payment history on my account, specifically by removing any incorrect late payment notations. Failure to address this error accurately and promptly could result in legal actions, including filing a sworn statement and forwarding all related documentationincluding this affidavit and correspondenceto pertinent regulatory and media bodies. Specifically, if this matter remains unresolved

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: MD

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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:
" 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to formally address significant inaccuracies in the payment history of my XXXX XXXX XXXX XXXX account on my credit report. Despite multiple attempts to resolve these issues through XXXX XXXX XXXX XXXX XXXX department, I have received persistent, yet erroneous, verifications claiming the reported payment history is accurate. I am reaching out directly to you in the hope that this matter can be finally and fully addressed. 
Under the Fair Credit Reporting Act ( FCRA ) and the Consumer Data Industry Association ( CDIA ) standards, I am entitled to accurate, verifiable information on my credit report. Regrettably, the inaccuracies on my XXXX XXXX XXXX XXXX account appear to breach XXXX XXXX XXXX XXXX legal obligations as a data furnisher under the FCRA and relevant XXXX XXXX guidelines, as follows : Details of the Disputed Information Account Name and Number : XXXX XXXX XXXX XXXX - XXXX Reported Inaccuracies : o Erroneous and inconsistent payment history entries o Incorrectly marked missed payments in certain months Applicable FCRA and CDIA Violations 1. FCRA 611 ( 15 U.S.C. 1681i ) : Procedures for investigating disputed accuracy, which mandates a prompt and thorough investigation within 30 days of a dispute. The response Ive received thus far falls short of these requirements.

2. FCRA 623 ( 15 U.S.C. 1681s-2 ) : Responsibilities of furnishers to report accurate information. Given the inconsistencies in my payment history, it is apparent that XXXX XXXX XXXX XXXX - XXXX has not fulfilled this obligation, as these discrepancies continue to remain uncorrected. 

The CDIA and XXXX XXXX standards also mandate a rigorous data accuracy protocol. XXXX XXXX XXXX XXXX - XXXX reporting of inconsistent and misleading payment history not only disregards these standards but also places an unjust burden on me as a consumer to continually dispute incorrect information. 

Demand for Correction and Compliance : Removed this entire account or update all PAYMENT to current/on time. 
I demand that XXXX XXXX XXXX XXXX - XXXX immediately correct the inaccurate payment history on my account, specifically by removing any incorrect late payment notations. Failure to address this error accurately and promptly could result in legal actions, including filing a sworn statement and forwarding all related documentationincluding this affidavit and correspondenceto pertinent regulatory and media bodies. Specifically, if this matter remains unresolved

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 2024-12-26 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: PA

Complaint narrative:
I am writing to formally address significant inaccuracies in the payment history of my XXXX XXXX XXXX XXXX account on my credit report. Despite multiple attempts to resolve these issues through XXXX XXXX XXXX XXXX XXXX department, I have received persistent, yet erroneous, verifications claiming the reported payment history is accurate. I am reaching out directly to you in the hope that this matter can be finally and fully addressed. 
Under the Fair Credit Reporting Act ( FCRA ) and the Consumer Data Industry Association ( CDIA ) standards, I am entitled to accurate, verifiable information on my credit report. Regrettably, the inaccuracies on my XXXX XXXX XXXX XXXX account appear to breach XXXX XXXX XXXX XXXX legal obligations as a data furnisher under the FCRA and relevant XXXX XXXX guidelines, as follows : Details of the Disputed Information Account Name and Number : XXXX XXXX XXXX XXXX - XXXX Reported Inaccuracies : o Erroneous and inconsistent payment history entries o Incorrectly marked missed payments in certain months Applicable FCRA and CDIA Violations 1. FCRA 611 ( 15 U.S.C. 1681i ) : Procedures for investigating disputed accuracy, which mandates a prompt and thorough investigation within 30 days of a dispute. The response Ive received thus far falls short of these requirements.

2. FCRA 623 ( 15 U.S.C. 1681s-2 ) : Responsibilities of furnishers to report accurate information. Given the inconsistencies in my payment history, it is apparent that XXXX XXXX XXXX XXXX - XXXX has not fulfilled this obligation, as these discrepancies continue to remain uncorrected. 

The CDIA and XXXX XXXX standards also mandate a rigorous data accuracy protocol. XXXX XXXX XXXX XXXX - XXXX reporting of inconsistent and misleading payment history not only disregards these standards but also places an unjust burden on me as a consumer to continually dispute incorrect information. 

Demand for Correction and Compliance : Removed this entire account or update all PAYMENT to current/on time. 
I demand that XXXX XXXX XXXX XXXX - XXXX immediately correct the inaccurate payment history on my account, specifically by removing any incorrect late payment notations. Failure to address this error accurately and promptly could result in legal actions, including filing a sworn statement and forwarding all related documentationincluding this affidavit and correspondenceto pertinent regulatory and media bodies. Specifically, if this matter remains unresolved

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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: PA

Complaint narrative:
I am writing to formally address significant inaccuracies in the payment history of my XXXX XXXX XXXX XXXX account on my credit report. Despite multiple attempts to resolve these issues through XXXX XXXX XXXX XXXX XXXX department, I have received persistent, yet erroneous, verifications claiming the reported payment history is accurate. I am reaching out directly to you in the hope that this matter can be finally and fully addressed. 
Under the Fair Credit Reporting Act ( FCRA ) and the Consumer Data Industry Association ( CDIA ) standards, I am entitled to accurate, verifiable information on my credit report. Regrettably, the inaccuracies on my XXXX XXXX XXXX XXXX account appear to breach XXXX XXXX XXXX XXXX legal obligations as a data furnisher under the FCRA and relevant XXXX XXXX guidelines, as follows : Details of the Disputed Information Account Name and Number : XXXX XXXX XXXX XXXX - XXXX Reported Inaccuracies : o Erroneous and inconsistent payment history entries o Incorrectly marked missed payments in certain months Applicable FCRA and CDIA Violations 1. FCRA 611 ( 15 U.S.C. 1681i ) : Procedures for investigating disputed accuracy, which mandates a prompt and thorough investigation within 30 days of a dispute. The response Ive received thus far falls short of these requirements.

2. FCRA 623 ( 15 U.S.C. 1681s-2 ) : Responsibilities of furnishers to report accurate information. Given the inconsistencies in my payment history, it is apparent that XXXX XXXX XXXX XXXX - XXXX has not fulfilled this obligation, as these discrepancies continue to remain uncorrected. 

The CDIA and XXXX XXXX standards also mandate a rigorous data accuracy protocol. XXXX XXXX XXXX XXXX - XXXX reporting of inconsistent and misleading payment history not only disregards these standards but also places an unjust burden on me as a consumer to continually dispute incorrect information. 

Demand for Correction and Compliance : Removed this entire account or update all PAYMENT to current/on time. 
I demand that XXXX XXXX XXXX XXXX - XXXX immediately correct the inaccurate payment history on my account, specifically by removing any incorrect late payment notations. Failure to address this error accurately and promptly could result in legal actions, including filing a sworn statement and forwarding all related documentationincluding this affidavit and correspondenceto pertinent regulatory and media bodies. Specifically, if this matter remains unresolved

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 2024-12-26 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
I paid a down deposit payment and monthly payments my credit score went up XXXX points which was promised to go up tremendously from XXXX to 680-700 with a 6 months to a year which never happened l complained and emailed they assured me it took time for me not to get anything else at this time to add to my credit as of now

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: MD

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-12-26 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
We had a Synhrony Bank Lowe 's Card which was closed for no reason. They had increased our credit limit to {$5000.00} ( earlier in XXXX ). We never missed a payment or late, and always paid off the card and carried a XXXX balance. 

We recently purchased a new home and due to new bank inquiries our credit score went down slightly ( as of XX/XX/XXXX ). That is the only reason I can think of if they ran a soft credit inquiry and had seen our score went down some. But closing the account entirely with no notice and/or not decreasing the limit. I never asked Synchrony to increase the credit limit. 

On XX/XX/XXXX I contacted Synchrony customer service, they said that an sent email was sent, but we received a notice. We were literally in the checkout at Lowes when we found out the card was closed. We had used the card XXXX days prior on ( XX/XX/XXXX ) to it being closed. Customer service was very rude on my call when I had questions, about why it was closed referencing an email. The supervisor was also rude, as I told him I would be filing a complaint about him as well. People do not deserve to be treated like they are an annoyance, we are spending our hard earned money to spend money with them. 

This is a very dishonest and bad practice, this reflects very negatively on Lowes also. I have no incentive to make purchases at Lowes vs their competitors currently. This obviously impacts our credit negatively as we have an account in good standing that was closed. As well as the negative impact that total credit utilization ratio. I was not aware of this is happening until finding many other consumers that Synchrony closed their accounts similar to my scenario, as I have never experienced this before.

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 2024-12-26 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: 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.

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