vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
A letter was sent over on XX/XX/24, XX/XX/24 and XX/XX/24 for the credit bureau to investigate inquiries that were not authorize by me but are showing on my credit report. The credit bureau did not do their investigation with in the time frame needed or send any correspondence to me proving any proof. I requested these inquiries to be deleted from my credit and 60 days have pass with out a response.

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 2024-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I told them it was against the law to debt collect and they said it was not

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

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 2024-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XX/XX/year> XXXX misapplied my monthly mortgage payment. I have XXXX loans with XXXX and they applied both payments to XXXX loan instead of properly applying the payments to the accounts due despite the account numbers clearly indicated on the face of each check.

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 2024-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: TX

Complaint narrative:
I have US Bank Business credit card ending in XXXX. 
For no good reasons I need to have two online IDs to deal with one credit card account ending in XXXX One user ID XXXX And another one XXXX  For one single card ( account ending in XXXX ) -they have XXXX accounts ending in XXXX and ending in XXXX XXXX XXXX Main card account is XXXX but rewards come in account XXXX. Rewards from account XXXX can not be statement credited to account XXXX. Thats so ridiculous. 
Essentially US Bank simply can not work with Small business. If some business want to deal with US Bank they need to hire army of employees and become as inefficient as US Bank. 

When somebody tries to do a chat, chat is never available Always an issue. 

Now call the phone # XXXX At least XXXX transfers and that annoying XXXX bot which is doing every possible effort to not let a customer service human talk to customers. 

And even if you talk to the humans those humans are more like inhuman-no empathy, no customer service in their mind. They simply never create a case and hang up the phone without listening to the customers complaint. 

For the last 6 months I have this issue. I am the single person Business. I want one credit card userID and one credit card account number which shows me the balance so that I can setup automated payments to make the payment as simple as that. 

I dont want all this useless XXXX XXXX etc.

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 2024-11-25 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: GA

Complaint narrative:
I am disputing the reporting of my XXXX XXXX  and XXXX Auto accounts. Both accounts were charged off ( XXXX in XX/XX/year> and XXXX XXXX in XX/XX/year> ), yet they are being repeatedly updated as charge-offs each month, inaccurately reflecting active payment history and manipulating the statute of limitations. XXXX is reporting the XXXX XXXX account with a {$0.00} balance, while Experian reports it with a {$30000.00} balance, and it is not reported on XXXX at all. The XXXX account is only reported to XXXX, not XXXX or Experian. XXXX and Experian have failed to properly investigate these accounts, and I request their immediate removal. 

XXXXXXXX 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 explanation
Consumer complaint received 2024-11-25 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: FL

Complaint narrative:
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request update/ correction of inaccurate information on an item that is listed on my consumer report : Account : XXXX XXXX XXXX XXXX XXXX XXXX  This account is currently reporting inaccurately : I had a XXXX  agreement plan with XXXX XXXX XXXX and it is listed on my monthly statement. The consumer reporting agencies have assumed a vital role and a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payment for this account, and I have included screenshots inside the complaint. Please investigate provide proof with statements showing that these payments were late. If proof cant be provided with 30 days, I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: TX

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate

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 2024-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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 2024-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I XXXX XXXX am reaching out to the CFPB on XX/XX/year> regarding a complaint I have submitted to the debt collection agency Portfolio Recovery Associates LLC. I contacted the company on XX/XX/year> and haven't heard anything back within the allotted 30 days this debt collection agency was allotted. I have not received proof that this company is the HOLDER IN DUE COURSE, of the alleged debt they are trying to collect from me, the original contract with my wet blue ink signature affixed on the documentation. They have violated law by contacting my place of employment regarding this debt which is in direct violation of Federal law pursuant to 15 USC Section 1692 ( c ), ( e ), & G. Additionally, these are the same violationgs of 18 USC 1512 ( a ), ( b ), ( 2 ), ( 3 ), and section 1513 ] with fines of {$250000.00} or imprisonment not more than 10 years, or both. The CFPB is my witness in which I will include the original documentation sent to this company along with the document being notarized as this is a SERIOUS matter. Not only did they not provide obligation ( s ) of the debt requested they are continuing to report this wrong information on my consumer credit report ( s ) which I am liable to sue and collect for damage ( s ) based on the violation ( s ) of the Fair Credit Reporting act I have referenced.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Called Transunion support They reset my account I logged in once and was dropped from the site Tried to login again and was told I had invalid credentials

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 2024-11-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am filing this complaint to report misleading and potentially abusive practices by Synchrony Bank in relation to a six-month no-interest promotional financing offer provided through their XXXX XXXX Credit Card XXXX 

Failure to Provide Timely Statements : Synchrony Bank failed to send me a statement for XXXX, which is critical as it marks the sixth month of the no-interest promotional period. This has left me unable to determine the exact payment due and ensure timely compliance with the promotional terms. 

Attempt to Add Fees and Interest : Despite my adherence to the terms of the promotional offer, Synchrony Bank is now attempting to impose retroactive interest and fees, which were meant to be waived under the promotional agreement. This practice appears to exploit the lack of proper communication caused by their failure to provide a statement. 

Inadequate Customer Service and Disrespectful Treatment : On XX/XX/year>, I contacted Synchrony Bank to address this issue. During the call : The first representative acknowledged the problem but disconnected the call after I expressed my dissatisfaction. He told me he was going to help me but not now since i am upset! 
When I called back, another representative insisted I provide my debit card information over the phone to resolve the issue. I expressed concerns about trust and requested a written agreement, but this representative also failed to provide any resolution. 
Concerns of Financial Elder Abuse : I am a senior citizen with an excellent credit rating who pays all bills on time. Synchrony Banks failure to send statements, coupled with their attempt to retroactively apply fees and interest, raises concerns about financial elder abuse. This situation feels like a deliberate attempt to take advantage of customers who are likely to overlook these predatory tactics. 



Supporting Details : Date of Purchase : XX/XX/year> Amount Financed : {$600.00} Communication Attempts : Multiple calls on XX/XX/year> I request that the CFPB investigate this matter thoroughly to ensure Synchrony Bank is held accountable for its actions and to prevent other consumers from facing similar issues. 

Contact Inform

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 2024-11-25 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:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Despite providing proof of my identity five times this year, XXXX, equifax and XXXX  continues to mishandle my disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Despite providing proof of my identity five times this year, XXXX, XXXX and experian continues to mishandle my disputes.

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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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 XXXX5 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 2024-11-25 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: U.S. BANCORP
State: MA

Complaint narrative:
Hi, I had three different banks contact me. 
XXXX XXXX XXXX XXXX XXXX XXXXUS Bank XXXX XXXX XXXX XXXXCitizens Bank XXXX XXXX XXXX XXXXXX/XX/year>. 

All were denied by the banks. 

They all had hard hits on my credit report and it appears someone is trying to open credit cards/checking accounts in my name. I did not apply to any of these.

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 2024-11-25 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: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Hi, I had three different banks contact me. 
XXXX XXXX - XX/XX/year>. 
XXXXXXXX XXXX XXXX XXXX  XX/XX/year>. 
Citizens Bank - XX/XX/year>. 

All were denied by the banks. 

They all had hard hits on my credit report and it appears someone is trying to open credit cards/checking accounts in my name. I did not apply to any of these.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
Original creditor XXXX XXXX sold information to Spring Oak Capital LLC, with out consent. Original loan was inquired with XXXX XXXX a year before natural disaster XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: GA

Complaint narrative:
I am disputing the reporting of my XXXXXXXX XXXX  and XXXX Auto accounts. Both accounts were charged off ( XXXX in XX/XX/2023 and XXXX XXXX in XX/XX/2023 ), yet they are being repeatedly updated as charge-offs each month, inaccurately reflecting active payment history and manipulating the statute of limitations. Equifax is reporting the XXXX XXXX account with a {$0.00} balance, while XXXX reports it with a {$30000.00} balance, and it is not reported on XXXX at all. The XXXX account is only reported to Equifax, not XXXX or XXXX. Equifax and XXXX have failed to properly investigate these accounts, and I request their immediate removal. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief