vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have asked CFPB to investigateXXXX  for their negligence. This company has repeatedly reporting negative accounts to my credit report. They have lied like they have verified that's a lie. I haven't til this day received any supporting documents bearing my signature. Only a letter saying this debt is not XXXX XXXX its with a debt collector. Even if that's possible how is XXXX XXXX reporting and XXXX verifying inaccurate information. This has caused me to be denied due to inaccurate information because XXXX refuses to do their job. XXXX have validated my rights on several grounds because they have lied as if they verified a account and they didn't and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. ACCORDING TO LETTER. THAT MEAN THIS DEBT WAS SOLD AND I NEVER RECEIVED A 1009-C FROM A COMPANY. Also, according to the IRS A lender that cancels or forgives a debt of {$600.00} or more must send Form 1099-C to the IRS and the borrower. When requesting information on this account I have NOT received a 1099 C from the creditor or a contract bearing my signature. This account is being reported as a charge off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. I formally request that this information be immediately deleted from the credit file you maintain under my social security number.

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 2024-08-26 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: NY

Complaint narrative:
I recently reviewed my credit report and noticed some inquiries that should not have been reported because I never authorized 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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

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 2024-08-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NH

Complaint narrative:
I began paying my loans back in XXXX and missed no payments until the loan servicer changed and restarted the loans using the original balance in XXXX. The federal student loan website provides data on status of repayment history not the amounts paid. The history provided shows no defaults from XXXX to XXXX. I paid the loans early before I bought my house in XXXX and nothing was reported negatively to the credit reports when I suddenly began getting bills from XXXX in XXXX. I reported that I didn't owe anything and they never reported to the credit bureau that I was delinquent. They still havent reported that I am delinquent it just shows the original balance of the XXXX loans is outstanding. 
I want my complete payment history for the loans reported as outstanding that originated in XXXX and XXXX that i began repaying in XXXX. I know I paid more than the minimum balance for the life of the loans and paid off balances before buying my house in XXXX. 

The original servicer was XXXX XXXX XXXX  then transferred to XXXX and then XXXX and I think now Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is a general problem with all three XXXX XXXX XXXX XXXX ( XXXX, Equifax, XXXX ). 

It used to be if you froze your credit report, they'd give you a pin, and you couldn't remove the freeze without the pin. This was a good safety feature in case the credit bureau 's online account is hacked. And it is easily hacked. 

With the XXXX data breach, almost every address I've had for the last XXXX  years was exposed, with my XXXX, and my XXXX. This gives the hackers the information they need to answer the typical security questions these credit bureaus ask. 

So even if the credit bureau set up two-factor authenticationand they don't do this well, eithersomeone would just call in and using the XXXX  data breach information to answer the questions someone will ask, and then change the account over to their own email and phone. 

But if the agencies provided pins, the person wouldn't have access to these. XXXX does this, but these XXXX used to but I believe only XXXX of them has a pin and I don't even think it uses it anymore. 

On XXXX, here are folks have to clean up the mess from hacked credit bureau accounts. This is unacceptable. And the only thing I can think is they want flimsy security into scaring you into signing on to their overpriced security offerings. 

This has to be better.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is a general problem with all three XXXX XXXX XXXX XXXX ( XXXX, XXXX, Experian ). 

It used to be if you froze your credit report, they'd give you a pin, and you couldn't remove the freeze without the pin. This was a good safety feature in case the credit bureau 's online account is hacked. And it is easily hacked. 

With the XXXX data breach, almost every address I've had for the last XXXX  years was exposed, with my XXXX, and my XXXX. This gives the hackers the information they need to answer the typical security questions these credit bureaus ask. 

So even if the credit bureau set up two-factor authenticationand they don't do this well, eithersomeone would just call in and using the XXXX  data breach information to answer the questions someone will ask, and then change the account over to their own email and phone. 

But if the agencies provided pins, the person wouldn't have access to these. XXXX does this, but these XXXX used to but I believe only XXXX of them has a pin and I don't even think it uses it anymore. 

On XXXX, here are folks have to clean up the mess from hacked credit bureau accounts. This is unacceptable. And the only thing I can think is they want flimsy security into scaring you into signing on to their overpriced security offerings. 

This has to be better.

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 2024-08-26 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: Concord Servicing Corporation
State: NC

Complaint narrative:
I have recently noticed illegal reporting from Concord XXXX XXXX on my credit report. It is affecting my ability to buy a home and violates many of my rights as a consumer. I want this account to be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I have store credit cards from Synchrony Bank for Lowes and Sam 's Club. I also have a consumer credit loan for an HVAC system from XXXX XXXX in XXXX, TN also through Synchrony Bank. Synchrony has started charging {$1.00} per month to send paper bills. This was not the case when I initiated the credit requests with Lowes, Sam 's Club and XXXX. Synchrony gave a no charge option if one opted to use paperless billing but that requires much more vigilance to ensure an email is not missed possibly resulting in a late or missed payment. A late or missed payment allows Synchrony Bank to apply late fees and also triggers a substantial increase in interest rates they can charge. The {$1.00} monthly fee will generate millions of dollars in revenue for Synchrony but that pales in comparison to the interest income generated by higher interest rates being charged. I can simply avoid the issue by not using the Lowe 's or Sam 's Club cards but the HVAC loan is at XXXX percent over 10 years. This seems like a no-lose deal for Synchrony and a no-win for the consumer and I think it should be illegal for Synchrony Bank to start charging this fee after the fact.

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 2024-08-26 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: CA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill. and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-08-26 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: GA

Complaint narrative:
My account with EQUIFAX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


EQUIFAX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 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: PA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-08-26 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: PA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-08-26 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Re : Cease and Desist Demand and Dispute of Repossession Action [ Account Number - XXXX Dear XXXX XXXX XXXX, I am writing to formally dispute the debt referenced above, which you claim I owe, and to challenge the legality of the recent or pending repossession action related to this account. 

I request that you provide immediate validation of this debt, including the following : XXXX. The total amount claimed as owed, including any interest, fees, and penalties. 
XXXX. The original contract or agreement that outlines the terms of the debt, including my signature. 
XXXX. A detailed explanation of how the debt amount was calculated. 
XXXX. Documentation showing that the debt is still enforceable, including the chain of custody or assignment of the debt if it has been sold or transferred. 
XXXX. Proof of compliance with all relevant state and federal laws concerning the repossession, including notice requirements and timelines. 

Until I receive full validation of this debt, I consider this debt to be in dispute, and I do not acknowledge any obligation to pay it. 

Furthermore, under XXXX XXXX. XXXX ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I hereby demand that you cease all communication with me regarding this alleged debt and repossession. This includes phone calls, letters, emails, or any other form of contact. The only exception to this demand is communication required by law, such as providing the validation of the debt as requested above. 

Please be advised that failure to comply with this cease and desist demand, or to provide the requested documentation, may result in legal action being taken against your company for any damages I XXXX suffer as a result of your actions. 

I expect your immediate compliance with this demand and that all collection and repossession activities cease until this matter is fully resolved. 

Thank you for your prompt attention to this matter.

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 2024-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
According to 15.U.S.C 1692C you have violated my rights by unlawful communications. Please remove this off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On Wednesday, XX/XX/year>, I submitted an online ACH Payroll Payment in the amount of {$1100.00} to the wrong account. The employee who earned this income did not receive their funds, instead it went to a different account. I was notified of the issue by the employee on Sunday, XX/XX/year>. I called Chase Business Banking on XX/XX/year> and was advised that they could reverse the XXXX payment on Monday. I called Chase Business Banking on Monday, XX/XX/year> and was given the run around between 3 different agents. An Agent from the Business online technical support team told me my payment would be reversed within 2-3 business days and provided the confirmation number XXXX. I went into the Chase Bank Branch location in XXXX XXXX and spoke with an banking associate and the assistant manager to further ensure that the ACH payment would be reversed so that the correct employee can be paid to the correct account. I was told that if the wrong account holder withdrew the funds from their account already, that Chase could not process the reversal. They advised me to wait and see. I just received a notice from Chase Bank saying If the reversal is successful, we'll return the money to your account within XXXX business days. 

Unfortunately, the employee who should have these funds does not, and they need their money. The bank should be able to reverse an ERRONEOUS transaction no matter what and sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: MO

Complaint narrative:
Your letter is well-articulated and highlights your concerns clearly. However, to ensure a more professional tone, I would suggest a few revisions : -- - **Subject : Urgent Request to Address Credit Score Discrepancy** To Whom It May Concern, I am writing to bring to your immediate attention a concerning discrepancy in my credit score as reported by Experian. Despite identical information being provided to all major credit reporting agencies, my Experian score is significantly lower than those reported by other bureaus. This discrepancy is troubling and raises concerns regarding the accuracy and fairness of the scoring process. 

Attached, you will find documentation of my credit scores for your review. The consistency in my credit information across all bureaus makes it evident that the lower score from Experian is not justified. I am particularly concerned that this discrepancy may be influenced by factors such as my race and gender, which, if true, would be a serious violation of my rights as a consumer.

I kindly request that you immediately address this issue by thoroughly investigating and correcting my credit score. It is essential that Experian applies my complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) accurately and upholds its responsibility to provide fair and accurate credit assessments. 

I expect a prompt resolution to this matter and anticipate that my credit score will be adjusted accordingly. 

Thank you for your immediate attention to this matter. 

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 explanation
Consumer complaint received 2024-08-26 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: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
I HAVE CONTINUED TO DISPUTE THE REMOVAL FROM OLD CHARGED OFF CREDIT THAT WAS REMOVED DURING BANKRUPTCY AND THEY REFUSE TO REMOVE THIS INFORMATION FROM MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
I HAVE CONTINUED TO DISPUTE THE REMOVAL FROM OLD CHARGED OFF CREDIT THAT WAS REMOVED DURING BANKRUPTCY AND THEY REFUSE TO REMOVE THIS INFORMATION FROM 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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
THIS LATE PAYMENT ASSESSED ON XX/XX/year> IS FALSE. I EXTENDED MY LEASE AND MY AUTOPAY WAS CANCELLED WITHOUT ME KNOWING. AS A RESULT, I WAS CHARGED A LATE PAYMENT THAT I DID NOT HAVE THE INTENT TO DO. I WAS ALWAYS ON AUTOPAY AND ALWAYS HAD FULL INTENTIONS TO PAY MY MONTHLY OBLIGATION. I WAS REFUNDED THE MONETARY LATE FEE BUT THE CREDIT REPORTING IS MOST IMPORTANT TO ME. PLEASE REMOVE THE LATE PAYMENT AS A COURTESY AS I WAS NEVER MADE AWARE OF AUTO PAY CANCELLATION.

Company response to consumer: Closed with explanation