vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-21 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: GA

Complaint narrative:
I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX  XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified above so I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2024-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: GA

Complaint narrative:
I sent a Promissory Note to The Bank of New York Mellon ( XXXX XXXX Trustee ), Attn : XXXX XXXX, to discharge a debt with XXXX XXXX XXXX XXXX ( Account ending in XXXX ) in the amount of {$13000.00} on XX/XX/year>. The Bank of New York Mellon has failed to respond to my notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2024-08-21 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: CA

Complaint narrative:
First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) update from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

Please remove this account : 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 2024-08-21 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: GA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX # XXXX - BALANCE {$670.00} Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-08-21 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: GA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX  # XXXX - BALANCE {$670.00} Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$4800.00} Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$22000.00} Account Name : DNF ASSOC # XXXX XXXX BALANCE {$1600.00} Account Name : Unknown # XXXX ( Original Creditor ENCOMPASS IN ) - BALANCE {$430.00} Unauthorized Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/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 2024-08-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc.
State: FL

Complaint narrative:
i guesss because im a lil XXXX, have a XXXX alot of companies try n treat me any type of way. im just name just a few but its alot more compaines. 

1. i have a account with with XXXX n it was XXXX took fromiaccouits hard to said XXXX but when i called XXXX XXXX they didnnt know what i was talking about. 


2. XXXX XXXX XXXX XXXX give me a hard time, money be missing and account open n they dont know what im talking aboout. 


3. XXXX XXXX give me a hard time to have access to account, i give them my id mail with address n still wont let me get back in account. 


4. is money liion, i bank with them for the longest, n XXXX came missing from my account, i dont work n have a XXXX n a single parent n thats all money i had, i tried to reach out n they laughing and being funny thinks its a joke acting like they cant hear me. n said they done with investigating, i called because i received notiication reguarding dispute, n i was wondering i didnt reiece a alert about my money. i even spoke with a manger n i think his name was XXXX. he was rude too. i dont thinlk they are american, probaly XXXX. i look the company up. i told them i spoke with XXXX  n they said they didnmt take it out my account to call money lion. im scarfed they more money out of my account. can someone please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: KY

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXXXXXX Balance : {$480.00} XXXXXXXX XXXX XXXXXXXX Balance : {$480.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: KY

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXXXXXX Balance : {$480.00} XXXX XXXX XXXXXXXX Balance : {$480.00}

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 2024-08-21 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:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX  # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$3200.00} Account Name : XXXXXXXX XXXX XXXX # XXXX Opened XX/XX/XXXX - BALANCE {$3700.00} Account Name : XXXX XXXX XXXX  XXXX XXXX DATE OPENED XX/XX/XXXX - {$12000.00} Unauthorized Inquiries : XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: CA

Complaint narrative:
According to 15 usc 1666b ( a ) Time to make payments A creditor may 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

This is a clear violation of the FCRA this needs to be removed immediately this meet the requirements of the CDIA to even be reported my next letter will be a Letter of intent to sue

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 2024-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
CARECREDIT / SYNCHRONY BANK - I have/had six different promotional purchases on this account. If paid off within certain time frames I can avoid finance charges. I'm very careful to make sure I am paying correctly to avoid these. In XXXX I had a promotional charge in the amount of {$3000.00} due, I discovered that Synchrony had misapplied my last three payments to random other promotions instead of this promotion. I requested the correct their mistake. Instead they reversed the payments an applied them to other promotions. Instead of continuing to argue with them about getting it paid I asked my husband for money to get it paid off. That would have left the next three promotional balances with something applied to them - this is where they misapplied. My XXXX promotion was paid off and according to my records that would have left my upcoming XXXX promotion with approximately {$300.00} dollar applied to it leaving me just over {$100.00} to pay by XX/XX/XXXX. I have a spreadsheet laying all of these payments out. Today I received an email telling me I owed almost the full balance of the XXXX promotion, {$410.00} due by the 3rd. When I logged onto my account I was expecting to see close to {$300.00} already applied to this promotion and there is only {$5.00} applied. So I contacted them requesting a full accounting from them of the payments received on my account for the past 12 months with the information as to what charges these payments were applied too. I was told to review my statements, the information was there. Its not, the statements show the payments received but not where they have been applied. According to my records there is close to {$300.00} unaccounted for- they didn't have it applied to what was due in XXXX, it was on XXXX, XXXX and XXXX- now that {$300.00} shows not on those promotional balances and it does not show the promotional balance from XXXX overpaid the {$300.00} - So where is the money? Somewhere in the past year something with how they are applying and accounting for my payments has been done incorrectly and they are missing {$300.00} from being applied to my promotional balances. My request for the accounting of the past 12 months showing payments and where they were applied was denied. They told me they can only tell me what payments were made in the past 60 days, nothing more. They have no system to tell me this. That makes me really highly concerned. I do bookkeeping and HR for a living and I have to keep all my records for years - you are telling me they don't? I just want an accounting of my records. What payments on what dates applied to what charges from XX/XX/XXXX through XX/XX/XXXX- they refuse

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 2024-08-21 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:
This morning, I was stunned to see inaccurate accounts on my credit report and have no idea why theyre there. I regularly check my report, but today, out of nowhere, I saw discrepancies. I even refreshed my browser, hoping it was just a glitch, but nothing changed. Due to this, Im requesting that the documents Ive submitted be thoroughly reviewed so I can put this worry behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: CA

Complaint narrative:
Card account was marked as charge-off with a balance of {$100.00}, and a XXXX XXXX XXXX XXXXXXXX XXXX account was marked as charge-off with a balance of {$820.00}. Additionally, a collection account from XXXX XXXX XXXX for {$3700.00}, originally from XXXXXXXX XXXX XXXX XXXXXXXX, was reported. These accounts were not opened by me, and I did not authorize any transactions related to them. 
Upon noticing these discrepancies, I secured my personal information and filed an identity theft report with the FTC. I am requesting the removal of these fraudulent accounts from my credit report. The legitimate accounts that were closed in good standing include those with XXXXXXXX XXXX XXXX XXXX, and 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 non-monetary relief
Consumer complaint received 2024-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
Dear CFPB, I am writing to formally dispute inadequate information on my credit report that is violating my rights of the following regulations. I believe these inaccuracies are in violation of the following regulations : 12 CFR 1006.34 ( b ) ( 5 ) : The credit reporting agency failed to validate the information under this act.

12 CFR 1006.34 ( c ) ( 4 ) ( i ) : The credit reporting agency did not give me a chance to dispute account before attaching it to my credit report.

12 CFR 1006.34 ( d ) : No authority to furnish my acct to a consumer reporting agency without providing any and all disclosures required by law.

15 U.S.C. 1681s-2 ( a ) ( 7 ) : The credit reporting agency failed to maintain reasonable procedures to ensure the maximum possible accuracy of my credit report. 

I ask them to violate the debt and give me a purchase agreement between me and the original creditor. And to provide me of proof of their licensed and bonding. They are using false misleading and misrepresentation and deceptive means. 

I also ask that this agency do not communicate to me thru, text, call or email Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: SOFI TECHNOLOGIES, INC.
State: SC

Complaint narrative:
. I have attached a list from XXXX XXXX XXXX  recognize accounts, inquiries, job, addresses as a result of Identity Theft and fraud. per case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : BANK XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$3200.00} Account Name : XXXX OF XXXX # XXXX Opened XX/XX/XXXX - BALANCE {$3700.00} Account Name : XXXX XXXX XXXX  XXXX XXXX DATE OPENED XX/XX/XXXX - {$12000.00} Unauthorized Inquiries : XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2024-08-21 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 am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : BANK XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$3200.00} Account Name : XXXX OF XXXX # XXXX Opened XX/XX/XXXX - BALANCE {$3700.00} Account Name : XXXX COLLECTION SV XXXX XXXX DATE OPENED XX/XX/XXXX - {$12000.00} Unauthorized Inquiries : XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2024-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
On XX/XX/year> I received a bill from XXXX XXXX of XXXX for {$2100.00}. According to my insurance company the amount that they should be able to charge me was {$490.00}. They are trying to use balance billing to charge me the amount above what XXXX, my insurance allows. The method of balance billing is illegal in the state of Georgia. I have taken this up with XXXX, XXXX XXXX as well as XXXX who now report that XXXX has placed my debt with Creditors Bureau XXXX. XXXX states I only owe {$490.00}, XXXX continued to attempt to illegally balance bill me for the {$2100.00} and XXXX says they can do nothing because Creditors Bureau says the amount of the debt is correct because that's what XXXX has reported. I have offered numerous times to pay the {$490.00} but I have been rebuked in those efforts saying they will only accept the full amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX - Balance {$0.00} - Account Name : XXXX XXXX # XXXX Date Opened XX/XX/XXXX XXXX XXXX {$0.00}

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 2024-08-21 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 am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX - Balance {$0.00} - Account Name : XXXX XXXX # XXXX Date Opened XX/XX/XXXX - XXXX  {$0.00}

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