vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-19 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, TransUnion credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists off of student loans, medical bills, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, US DEPT ED. all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Thfet Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 

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 XXXX XXXX XXXX : # XXXX # XXXX # XXXX XXXX XXXX # XXXX, US DEPT ED : # XXXX # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 XXXX 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 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 2024-06-19 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: FL

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX ) 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 XXXXXX/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 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Continue to Report inaccurate and misleading information on my consumer report. This information continues to violate the FCRA and FDCPA, None of this information has been validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: VA

Complaint narrative:
Continue to Report inaccurate and misleading information on my consumer report. This information continues to violate the FCRA and FDCPA, None of this information has been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Steel River Systems, LLC
State: FL

Complaint narrative:
On XX/XX/2024, I became aware of a balance of {$170.00} in an old checking account number XXXX that was in collections with STEEL RIVER SYSTEMS. This balance needed to be paid, along with a satisfaction letter, in order to close out my mortgage loan. I promptly paid the balance on the same day, XXXX XXXX, 2024. However, when I requested a receipt or the satisfaction letter, I was informed that I would have to wait XXXX weeks from the payment date to receive the satisfaction letter via email. 

On XX/XX/2024, I contacted the same representative I had spoken with XXXX weeks prior to request the satisfaction letter. Unfortunately, I was belittled and told that it was not possible to email the letter. I was not informed that payments could be made over the phone or online until XX/XX/2024. The initial payment on XX/XX/2024 was made over the phone. 

Upon accessing the STEEL RIVER SYSTEM portal, where consumers are supposed to view upcoming, past, and current payments, I discovered that the debt of {$170.00} was still shown as owed. In order to obtain a receipt or the satisfaction letter by email before XX/XX/2024 to proceed with moving into my new home, I may need to make another payment online. I have attempted to resolve this issue multiple times, which has resulted in spending half a day trying to speak with a supervisor.

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 2024-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: OKX INC.
State: CA

Complaint narrative:
Dear CFPB I have filed a complaint regarding NMLS ID XXXX. 

In the second half of XXXX, I opened an account with a XXXX XXXX wallet company called XXXX and deposited a certain amount of XXXX XXXX Later, due to XXXX 's policy adjustments, XXXX was required to stop its business in XXXX , so it moved its business to the United States . 

At that time, I used my account through the email XXXX. But since the company 's business was transferred, they have never contacted me through this email again. Now, the XXXX XXXXXXXX website has also been closed, and I can't log in to my original account. I have tried to contact the company through other channels many times, but I have never received a satisfactory response, and things have been delayed again and again. 

As far as I know, XXXX  is currently operating in the United States , holding an MTL license, NMLS ID XXXX. According to the long-arm jurisdiction principle of the United States , as long as the company maintains minimal contact, I still have the right to sue them in the United States . 

I have evidence, such as the email the company sent me when I first withdrew XXXX, etc. I would like to file a complaint with XXXX  and ask them to resolve the issue as soon as possible and recover the XXXX  I deposited in their account. 

As of the time I wrote to you, XXXX  has not resolved the issue and has been delaying. 

We hope that you will take this matter seriously, take necessary administrative measures, and urge XXXX to resolve the issue as soon as possible. If they continue to delay, I will definitely take legal action to safeguard my legal rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
CareCredit, by Syncrony Bank has a predatory practice in the way they time their payment reminders. In my case the payment due date is the XXXX. When the XXXX XXXX XXXX XXXX XXXX  XXXX, they immediately charge a late fee of {$30.00} or XXXX. They do not even give a XXXX day grace period. But my specific complaint is that they do not give you any payment reminder whatsoever before your payment is due. They wait until the XXXX when the late fee is charged to your account, and then XXXX or XXXX days later they send you the following text message : " Carecredit courtesy reminder. Make payment .... '' If this was actually a courtesy reminder, why wouldn't they send you this text reminder XXXX day BEFORE your payment was due? The only logical answer is that this is very purposely engineered that they give you no reminders before you payment is due because they are hoping to be able to charge you a late fee. There is no other reason why they would wait until XXXX day after the late fee is charged to give you a " courtesy reminder '' to make a payment, except that the timing is very much deliberate because it results in them collecting more late fees. 

If you take into consideration that I am someone with close to an XXXX XXXX XXXX who has no derogatory marks on my credit because I am careful to pay all my debts, but even someone like me, since I have a lot of credit cards sometimes miss a due date and am XXXX or 2 days late and this has affected me already 4 times this year, XXXX how many of their customers are being charged these late fees because of their deliberate practice of giving you NO PAYMENT REMINDERS until AFTER your payment due date, combined with the fact that they immediately charge you a late fee at XXXX, with XXXX grace period. This is a predatory banking practice that is purposely harming their customers. When I pointed this out to them they removed only one late payment and had no answer to why there are no reminders sent before, only after late fees are assessed. 

Dates is that I was charged a late fee are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of this year. In every case you can see I made the payment on the XXXX and was still charged a late fee.

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 monetary relief
Consumer complaint received 2024-06-20 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: NC

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 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 2024-06-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services
State: MI

Complaint narrative:
Hello, At the end of XX/XX/year>, I received notice that my student loan servicer would be switching from XXXX to EdFinancial. Even though I had enrolled in the SAVE program and set up autopayments, my account with XXXX was once again ( the fourth time ) put in administrative forbearance without much communication as to why and very little I could do with it. In XX/XX/year>, I attempted to log into the XXXX account but I could not get any information as to what was going on or when/if a payment was due. 

On XX/XX/XXXX I received notice that my loan was now officially with EdFinancial. Shortly thereafter I created my online account to review any information that was available. My autopay account information had transferred to Edfinanacial and was already active. The website stated that my payment would be processed on the XXXX of every month. 

Its now XX/XX/XXXX and it does not appear that payment has been processed. In fact now it says that there is {$710.00} past due. None of this really makes sense. 

Please reverse whatever fees and interest have accrued due to the transition from XXXX to EdFinancial. This was not something I asked for, had no way to pay anything and have extremely limited access to information on my own account. Its not really a way to treat people who are just trying to set up auto pay and pay back their loan on time. We are tired of being jerked around with transitions from servicer to servicer, random administrative forbearance and random past due fees with interest. Please reverse this and just let me pay my student loans with autopay in peace. I've got XXXX children under XXXX XXXX XXXX to look after and feed. 

And lastly - XXXX XXXX XXXX XXXX Get it all together and put it in a backpack ; XXXX XXXX XXXX so its together. If you got ta take it somewhere, take it somewhere, you know, take it to the XXXX store and sell it, or put it in the XXXX museum. I don't care what you do, you just got ta get it together. GXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I submitted a request to have the following information removed due to theft. 
The following accounts are listed below 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 2024-06-20 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: CITIBANK, N.A.
State: CA

Complaint narrative:
OnXX/XX/2023, CBNA performed a hard inquiry on my credit report. I am extremely careful about the information on my credit report and the accounts that are open. Recently, I checked my credit report on the XXXX website and discovered that CBNA had checked my credit. Before this, I had sent them multiple letters asking them to please provide me with the correct and proper documents showing that I was the one who applied with them, but they have failed to do so. Please see the attached FTC report at this time.

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 2024-06-20 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: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
I have multiple hard inquiries on my credit report. I did not authorize any of the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists off of student loans, medical billsXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Thfet Criminal Complaint # ( XXXX ) as proof from XXXX FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 

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 XXXX XXXX XXXX : # XXXX # XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : # XXXX, has violated my rights. 
1

5 U.S.C 1681 section 602 A. States I have the right to privacy. 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 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 2024-06-20 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: NY

Complaint narrative:
My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. 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 me the company and is not a reflection of my payment experience which violates USC Code 1681eb. 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 to be removed. 

They are not in compliance with the following law. 15 USC 1666b 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! 

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 XXXX  days before the payment due date. 


XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( 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 1002 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 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