vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-23 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX OF XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian XXXX a late payment reported by XXXX OF XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Bank Processing Delay : I made my payment on time, but the delay in processing by Bank XXXX XXXX led to the late payment being recorded. Attached is a copy of the bank statement showing the payment date. The delay was on the part of the bank and not due to any action on my side. 
Discrepancy in Due Date Communication : There was an inconsistency in the due date communication, which I raised with Bank XXXX XXXX. The discrepancy between the statements I received and the payment due date caused confusion. I have attached correspondence with the bank that acknowledges this discrepancy. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my XXXX XXXX and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
this company has been reporting an account that i do not recognize on my credit. I've previously recieved phone calls and have tried to resolve because it is hindering me from getting a home to rent. i know that the law is contract and i do not have a signed contract with this company. they have also illegally obtained my personal nonpublic information without my authorization which is in direct violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: I.C. System, Inc.
State: GA

Complaint narrative:
this company has been reporting an account that i do not recognize on my credit. I've previously recieved phone calls and have tried to resolve because it is hindering me from getting a home to rent. i know that the law is contract and i do not have a signed contract with this company. they have also illegally obtained my personal nonpublic information without my authorization which is in direct violation of federal law.

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 2024-09-23 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: FL

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : I am filing this CFPB complaint to request that Experian, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), block information on my credit report that is the result of identity theft and fraud within four business days of receiving this complaint. 

The fraudulent, inaccurate, and false information includes : 1. XXXX  XXXX Account XXXX Opened XX/XX/XXXX High Balance {$280.00} 2. XXXX XXXX XXXX  XXXX Account XXXX Opened XX/XX/XXXX Balance {$17000.00} 3. XXXX Account:XXXX Opened XX/XX/XXXX High Balance {$900.00} 4. XXXX, XXXX Account XXXX Opened XX/XX/XXXX Balance {$1400.00} 5. XXXX Account:XXXX Opened XX/XX/XXXX Balance {$9200.00} 6. XXXX Account Number : XXXX Balance : {$0.00} Opened : XX/XX/XXXX 7. XXXX Account : XXXX Opened : XX/XX/XXXX Balance : {$0.00} 8. XXXX XXXX Account XXXX Balance : {$350.00} Opened : XX/XX/XXXX 9. XXXX XXXX Account : XXXX Balance : {$1200.00} OpenedXXXX 10. XXXX Account : XXXX Balance : {$730.00} Opened : XXXX These accounts have led to several unauthorized hard inquiries and fraudulent collections on my XXXX credit report. All these accounts, collections, and inquiries are the result of identity theft and fraud. 

Enclosed is a copy of the FTC Identity Theft Criminal Complaint # XXXX ( XXXX ) # XXXX ( XXXX ) as proof from the U.S. Federal Trade Commission that all the mentioned credit accounts, collections, and inquiries are due to identity theft and fraud.

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 2024-09-23 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
midland credit mangement is not responding to my appeal totem about the invalid account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 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: TX

Complaint narrative:
I am writing to formally submit a complaint regarding identity theft and fraud that I have experienced, which has significantly impacted my credit report maintained by TransUnion. This complaint is filed pursuant to the Fair Credit Reporting Act ( FCRA ) XXXX ( XXXX U.S.C. XXXX ). 

Over an extended period, I have discovered multiple accounts that do not belong to me and were not authorized or initiated by me. These fraudulent entries have resulted in numerous hard inquiries, collections, and late payments appearing on my XXXX credit report causing immense embrassments and the inability to secure credit for housing or transportation. 

I have compiled a detailed list of the fraudulent accounts in question and have attached it for your review, along with an Affidavit of Dispute and an Identity Theft Report. The accounts, collections, and inquiries that I do not recognize are directly attributable to identity theft, specifically related to the XXXX XXXX XXXX and other historically data breaches. 

Moreover, I have included a copy of my FTC Identity Theft Criminal Complaint ( # XXXX ) from the U.S. Federal Trade Commission XXXX which further substantiates my claims regarding the fraudulent activity on my credit report. 

I kindly request that you take prompt action to investigate and remove the fraudulent information from my credit report within the mandated XXXX business days upon receipt of this complaint. 

Thank you for your attention to this urgent matter. I look forward to your timely response. 

**Attachments : ** 1. List of fraudulent accounts 2. Affidavit of Dispute 3. FTC Identity Theft Criminal Complaint ( # 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 2024-09-23 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: TX

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: VA

Complaint narrative:
I received an alert from credit wise that my XXXX XXXX went down approximately XXXX points. This did not make much sense to me, as I have not had any significant financial changes. When I inquired further, MOHELA had reported this month that I had double the student loan accounts than I do to XXXX ( I have XXXX MOHELA student loans, they are reporting I have XXXX and double the student debt. ) MOHELA reported to XXXX that all XXXX of my student loan accounts were closed and then subsequently re-opened, which is also incorrect. I received this notification on XX/XX/year>. I reached out to MOHELA, but no one answered. I filed a complaint on the federal student aid website and sent disputes to the respective credit bureaus. There does not seem to be a change to my XXXX reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
On XX/XX/year>, I began receiving notifications that a digital checking account had been opened at Experian in my name. I immediately sought to log into my account, which I had a unique complex password for, only to find that the account had been taken over and was now associated with an email account I did not recognize. 

Attempts to log in by other methods, following the instructions in the XXXX XXXX/company website, were thwarted. Secondary options, including texting my phone number, would not execute. There was no way to cancel, or to speak with a representative. 

It turns out that for years it has been possible for any fraudster to impersonate anyone using information commonly available in data breaches to take over an existing account at Experian - simply by creating a new one using that person 's name. 

All of Experian 's information flow involves a " dark design pattern '' to get you to hang up, and not to talk to a representative. Now fraudsters have access to my entire credit history, and Experian is not accountable, or contactable. 

They also made it impossible to process a temporary fraud alert, suggesting that the best method to respond to my suddenly being shut out of my account and potentially subject to rapid identity theft and financial fraud, was to print some documents and mail them across the country. 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 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XX/XX/XXXX I have requested my credit reports from Experian, XXXX and XXXX and after careful review and investigation I have found XXXX negative items and XXXX unauthorized inquries on my credit profile. I have contacted the consumer reporting agencies and disputed and notified them all of unlawfully reporting of unauthorized inquiries on my credit profile of an account that was opened on XX/XX/XXXX. I have not given them any permission to access my credit profile and have no permissible purpose by law to contact third parties with my private or personal information. The offenses amount to Aggravated Identity Theft and Defamation Of Character pursuant to 18 U.S.C. 1028A. They have Knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liabilty.

Pursuant to 15 U.S.C. 1681n ( a ), " Any person who knowingly and willfully obtains information on a consumer from a consumer reporting reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both '' By willfully violating the FCRA, I am willing to settle their civil liabilty damages I have suffered because of their violations for {$3000.00} from ( Experian, XXXX and XXXX ) pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should they fail or refuse to settle the demand, I will seek actual damages which are greater than {$3000.00}

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 2024-09-23 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:
I have not supplied proof under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( XXXX  ) XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove this account before I seek litigation for defamation of character. ) XXXX XXXX balance XXXX, XXXX  balance {$560.00}, XXXX XXXX balance {$7200.00}, XXXX balance {$1100.00}, XXXX XXXX balance {$3700.00}, XXXX XXXX XXXX balance {$140.00}.

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 2024-09-23 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: OK

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
XXXX Balance XXXX {$47.00} XXXX XXXX - XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$1200.00} XXXX XXXX  XXXX XXXX XX/XX/2023

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 2024-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: AMERICAN HONDA FINANCE CORP
State: CT

Complaint narrative:
Good evening. Unfortunately, I feel harmed by the Honda financial XXXX  for not being clear and professional when I traded my car. I traded a XXXX XXXX XXXX for a XXXX XXXX XXXX. However, a negotiation was made that added a lot of interest or something like that to my financing. The total financed was {$65000.00} with XXXX  monthly installments of {$980.00}. I have already paid XXXX  monthly installments totaling {$22000.00} and I still have to pay XXXX  monthly installments of {$980.00}, giving a total of {$60000.00}. XXXX. being that the market value of the car is between {$25.00} XXXX to {$29.00} XXXX. I ask you to please help me with this situation because I don't know what to do and I'm no longer able to pay this amount. I bought it in 2022 and it's financed until 2029 Please Help me! Thanks God Bless you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$46000.00} XXXX XXXX XXXX XXXX Balance : {$3600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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:
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 the following companies any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
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 2024-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
I paid off my Synchrony CareCredit credit card balance in full on XX/XX/XXXX, in the amount of {$6800.00}. On XX/XX/XXXX, Synchrony issued a new statement in the amount of {$94.00}. When I called to inquire about this new balance after a pay off in full, Synchrony stated to me via telephone that this balance was from interest accrued from XXXX XXXX XXXX, XXXX. No new charges have been made on the credit card since XX/XX/XXXX, in the amount of {$290.00}. All new transactions have deferred interest for XXXX months per the terms of the CareCredit card. I was told today that I can not overpay to avoid interest accruing prior to XX/XX/XXXX, due date and that it is impossible to ever fully pay off this credit card since no overpayments are authorized.

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 2024-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I would like to report what I believe to be a fraudulent attempt on the part of XXXX XXXX XXXX XXXX XXXX XXXX to withhold loan information until the closing of the XXXX XXXX Loan program which closes on Monday XX/XX/XXXX. I have requested information from UAS, XXXX XXXX XXXX, and a collection agency but none of these institutions have been able to produce evidence or information regarding who currently holds my XXXX loan. The original loan amount was XXXX and should have been in deferment as I have been in graduate school completing a XXXX and XXXX  XXXX since I graduated from XXXX XXXX XXXX  in XXXX. I began to inquire about the loan in XXXX. I was told then by XXXX XXXX and UAS it had likely been sent to collections, specifically XXXX. When I called the agency, they informed me that they had not held the loan since XXXX of XXXX. My UAS portal says that the loan is held by XXXX XXXX XXXX, but the school has claimed no paperwork indicating that in their files. UAS sent me a letter saying that an account specialist was working to resolve the issue and would give me a definitive answer by XX/XX/XXXX ( more than 15 business days after my initial request ). On XX/XX/XXXX I called and received only a sorry, we still dont have the answer. Currently, UAS has reported the loan as in default. This is having significant consequences on my ability to move forward with my education. I discovered this discrepancy when I attempted to receive desperately-needed financial aid. Until this matter is resolved, I am not granted access to this aid. Without an ability to contact holder of the loan, however, there is no agency with whom I can settle the matter or dispute the extra XXXX something dollars in unlabeled charges that have been added to the account. I suspect I am not the only one whose loans have been mysteriously lost before this crucial deadline on the XXXX but regardless of the cause, I just want to be able to resolve this issue for the sake of my credit and financial aid status.

Company response to consumer: Closed with explanation