vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-23 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: FL

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
On XX/XX/XXXX, I ordered a replacement debit card from Ally Bank. On XX/XX/XXXX, I inquired with Ally Bank about the status of my replacement card. From there, an Ally Bank representative took it upon herself to authorize activity on my account but ordering a new card, without my permission. In fact, I had just told Ally that I do NOT want a second replacement card, as I was XXXX days from XXXX and had been without money for a week, and wanted to wait for my current card in the mail to be delivered. Low and behold, my card arrives today and is UNUSABLE because unbeknownst to me, a service rep decided she would order a new one. I reached out to Ally to escalate, and they offered me nothing other than ANOTHER new card. Not sure how that fixes my issue, as I am already expecting to be without XXXX for XXXX days minimum now. The supervisor who I escalated the issue to would not give me the option to open a complaint within Ally Bank, despite him acknowledging that the rep " was standing there with him, and authorized activity on my account without my permission. '' He said he would do that internally, but quite frankly I don't believe that. I am filing a formal complaint with Consumer Finance, as well as the XXXX. I find this unacceptable, that my Bank is making decisions without my input and quite frankly screwing me over in the process. Not only that, but the supervisor joked in my face about the replacement by comparing myself to " a solider in a battlefield without a XXXX. '' I just want to access my freaking money. 

The great news is that I was nearly immediately accepted into a XXXX XXXX ( as I should have applied long ago ) and no longer have to deal with Ally Bank 's unprofessional customer service- if you can even get them to pick up the phone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: TN

Complaint narrative:
I am requesting the immediate removal of these unauthorized accounts from my credit report, as I neither opened them nor knew they existed. As per USC 1681g, please delete them within XXXX days. I have included the necessary supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Synovus Bank
State: AL

Complaint narrative:
When I opened my First Progress account in XXXX of XXXX, I opened it to bump my score up a few points due to I was only XXXX points away from my goal for homeownership. First Progress deducted XXXX points from my score causing me financial hardships. Due to their no way to pay the annual fee before they report your balance to the credit bureaus that they deduct from your available balance. This is a common practice amongst all consumers they service. Holding the consumer XXXX to the card which if you attempt to cancel they will not return your deposit. In XXXX after i paid my balance to zero, awaiting a positive reporting and increase in my score, they charged their annual fee the day before they reported to the bureaus and minused me XXXX points. Then in XXXX of XXXX they allowed XXXX over my XXXX limit to be charged instead of declined once the limit was reached. They won't increase your credit limit without an additional deposit. They allowed my card to continue to make purchases deceiving me into believing I was within my XXXX limit. So I had to pay XXXX in order to not have my score drop another XXXX points for being over my credit utilization by XXXX more than 100 %. So they robbed me of money reserved for rent. The have not XXXX ethical practice and if you look into the thousands of complaints against them thru the XXXX XXXX XXXX and others there's grounds for a class action I'd like to initiate. Their customer service is abrasive with consumers, uncooperative, and blatant in their responses that they answer to no one! Their company advertises to help build credit yet they destroy everyones credit and creates an impossible sense of hopelessness to get from under their card. We the people request your help for we are at the relentless mercy of this unethical company. That steals the consumers money and damages our scores that will take years to undo. I make on time payments and still have yet to recover the XXXX points taken from me my them. No one would willing accept the terms of this card knowingly to lose XXXX points from their score. They prey on consumers through XXXX XXXX specifically as well as other sources. They pick and choose when to decline purchases or allow purchases way over a consumers limit without increasing their credit limit in order to steal money and damage scores without consequences. Please help, they should not be allowed to conduct business in the United States and shut down permanently. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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 was in complete shock when I discovered inaccurate accounts on my credit report. These accounts have been dragging down my credit score, and I cant believe how much damage theyve caused.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent all XXXX bureaus the proof and they still haven't removed the negative remarks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: PA

Complaint narrative:
Re : Request for Blocking and Deletion of Accounts Due to Data Breach I am writing to notify you that I am a victim of a data breach, and I am requesting that all accounts mentioned below be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ).

The accounts in question, which are at risk due to the breach, are as follows : XXXX. XXXX  o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$630.00} XXXX. XXXX  o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$11000.00} XXXX. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$440.00} XXXX. XXXX XXXX XXXXXXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$630.00} Additionally, I am requesting that the following inquiry also be investigated and removed as part of this process : XXXX XXXX XXXX XXXX o Inquiry Date : 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 2024-12-23 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I received an email from Best Buy earlier this month stating that a credit card account was opened in my name. I have received an influx of spam in my email account so i disregarded it and reported it as SPAM on XX/XX/year>. Today, XX/XX/year>, I received an email from XXXX XXXX stating that I opened up a new credit card account. Once I read the email, I immediately called Best Buy and made them aware of the fraudulent transaction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 my 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 to be updated.

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 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 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! 


Update 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 non-monetary relief
Consumer complaint received 2024-12-23 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: WA

Complaint narrative:
My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history 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 my 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 to be updated.

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 21 days before the payment due date. 


XXXX EXPERIAN 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 21 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! 


Update 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
Consumer complaint received 2024-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Better Mortgage, Inc.
State: KS

Complaint narrative:
After an already horrible loan application & origination experience with Better Mortgage for a purchase on a home & having obnoxious amounts of fees & charges mounted at the end & failure to have any upper management communication & /or assurances for weeks requested. I have received a mortgage statement that reflects a payment due date of XX/XX/XXXX & an interest rate of 7.000 %. I paid {$2900.00}. Closing documents were signed & done on XX/XX/XXXX. I reviewed my copies & sure enough somehow there was a change in terms & conditions after the deal was already done. I have already sent a message with the closing documents attached & my complaint directly with servicing as of today 's date : XXXX. I also did notice while setting up the borrower portal access that the due date is now reflecting correctly for XX/XX/XXXX which is a relief however there wasn't a new statement generated to correct the previous one sent on XX/XX/XXXX. I have attached the closing documents divided in to 2 files & the received initial mortgage statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Im 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 XXXXXXXX XXXX, Acct # 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 2024-12-23 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: WA

Complaint narrative:
Subject : Request to Block and Delete Fraudulent Accounts and Inquiries Pursuant to FCRA 15 USC 1681c-2 ( a ) I am writing to inform you that I am a victim of a data breach and identity theft. I request that all accounts and inquiries associated with the fraud be immediately blocked and deleted from my credit report pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ). 
The fraudulent information includes the following : Accounts : 1. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00} Inquiries : XXXX XXXX XXXX XXXX XXXX Date : 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 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XX/XX/year> Subject : Complaint Against Experian for Failing to Correct Inaccurate Late Payment Information on Credit Report Dear CFPB, I am filing a formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report. Despite multiple requests for correction, this issue remains unresolved. Below is a summary of the errors and discrepancies associated with my account : Summary of Errors and Discrepancies : Inaccurate Late Payment : XXXX and Experian are reporting a 30-day late payment in XX/XX/year>. This information is incorrect as all payments were made on time, supported by the attached evidence, including bank statements and account transaction records. 
Inconsistent Reporting Across Bureaus : While XXXX corrected the late payment after my second dispute on XX/XX/year>, XXXX and Experian continue to report the error. 
Failure to Verify and Update : The credit bureaus failed to adhere to their responsibility under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy of consumer information. This includes not properly investigating or correcting the dispute. 
Background : I initially disputed the inaccurate late payment on XX/XX/year> and submitted a follow-up dispute on XX/XX/year>. While XXXX promptly resolved the issue by removing the incorrect late payment, XXXX and Experian have neglected to make the same correction, causing undue harm to my creditworthiness. 
Violations : FCRA Violations : According to 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of information in consumer files. The continued reporting of an inaccurate late payment violates this requirement. 
TILA Violations : The Truth in Lending Act mandates accurate and timely disclosures. The erroneous late payment reporting has caused financial harm and reputational damage.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the responsibility of creditors to provide timely statements, which has not been upheld in this case.

Desired Resolution : Immediate removal of the inaccurate late payment notation from XXXX and Experian. 
Written confirmation of the correction from Experian. 
Assurance that my credit report is updated to accurately reflect my payment history across all bureaus. 
Failure to resolve this issue promptly will leave me no choice but to escalate my complaint further, including legal action and filing additional complaints with relevant agencies. Please address this matter urgently to prevent further harm to my credit profile. 
Sincerely, 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 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XX/XX/year> Subject : Complaint Against Experian for Failing to Correct Inaccurate Late Payment Information on Credit Report Dear CFPB, I am filing a formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report. Despite multiple requests for correction, this issue remains unresolved. Below is a summary of the errors and discrepancies associated with my account : Summary of Errors and Discrepancies : Inaccurate Late Payment : XXXX and Experian are reporting a 30-day late payment in XX/XX/year>. This information is incorrect as all payments were made on time, supported by the attached evidence, including bank statements and account transaction records. 
Inconsistent Reporting Across Bureaus : While XXXX corrected the late payment after my second dispute on XX/XX/year>, XXXX and Experian continue to report the error. 
Failure to Verify and Update : The credit bureaus failed to adhere to their responsibility under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy of consumer information. This includes not properly investigating or correcting the dispute. 
Background : I initially disputed the inaccurate late payment on XX/XX/year> and submitted a follow-up dispute on XX/XX/year>. While XXXX promptly resolved the issue by removing the incorrect late payment, XXXX and Experian have neglected to make the same correction, causing undue harm to my creditworthiness. 
Violations : FCRA Violations : According to 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of information in consumer files. The continued reporting of an inaccurate late payment violates this requirement.

TILA Violations : The Truth in Lending Act mandates accurate and timely disclosures. The erroneous late payment reporting has caused financial harm and reputational damage.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the responsibility of creditors to provide timely statements, which has not been upheld in this case.

Desired Resolution : Immediate removal of the inaccurate late payment notation from XXXX and Experian. 
Written confirmation of the correction from Experian. 
XXXX that my credit report is updated to accurately reflect my payment history across all bureaus. 
Failure to resolve this issue promptly will leave me no choice but to escalate my complaint further, including legal action and filing additional complaints with relevant agencies. Please address this matter urgently to prevent further harm to my credit profile. 
Sincerely, 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