vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-02 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Chime Financial Inc
State: OH

Complaint narrative:
I was saw find my credit score report on me I dont know that they never letting me know about talk Medical for payment {$150.00} I wont pay for that {$150.00} because they never communicate without with me contact them that how so if you keeping reporting on me credit I will say dispute with pay XXXX also because non unemployment and I trying looking job apply find hard job I was did apply completely they hire not me that why.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
COMENITYCB/SMILEGENFIN XXXX XXXX XXXX XXXX, OH XXXX RE : Inaccurate Credit Reporting ( XXXX XXXX XXXX XXXX Account Information : Creditor Name : CCB/SMILEG Account Number : XXXX To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following account XXXX Account number XXXX is reporting a balance of ( XXXX ) when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing of XXXX on my consumer file. 

This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. 

Please provide me with the return of the time and form as prescribed by regulation or the Secretary of my name, my address, my TIN, the date, and amount of the discharged/charged off debt and any other information as prescribed by the Secretary. 


Additionally, I also emphasize that a charge-off account should not be updated month-to-month, as this practice violates the regulations set forth in the Fair Credit Reporting Act ( FCRA ) 15 USC 1681, which requires that the information reported be accurate and updated. In the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, it was determined that a charge-off account should not be updated monthly, as doing so could lead to inaccurate and harmful information for the consumer, thereby violating their right to a fair and accurate credit report as mandated by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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: Affirm Holdings, Inc
State: VA

Complaint narrative:
Affirm does not disclose in their credit reporting criteria and terms of service that they report as a Consumer Finance Account. This account type alone is a huge derogatory mark on anyones credit report even if the loan is paid as agreed and is in good standing. After a loan in good standing is closed, it can remain as a derogatory mark for as long as 10 years. I want these reports removed from my credit profile due to presenting as an installment loan and reporting as a consumer finance account instead. This has negatively affected my credit score and profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. 

Account Name : XXXX XXXX - XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX - XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX - XXXX XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-10-02 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: NC

Complaint narrative:
Account XXXX XXXX XXXX XXXXXXXX My credit report shows two incorrect late payments for XX/XX/year> and XX/XX/year> on my mortgage account. I have always paid on time, and these reported late payments are inaccurate. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report accurate information. I am formally disputing these late payments and requesting their removal from my report. 

The FCRA, 15 U.S.C. 1681i, mandates that credit reporting agencies investigate and correct any disputed information that is inaccurate, incomplete, or unverifiable. Under this law, Equifax is obligated to verify the accuracy of the reported late payments and correct this misinformation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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: VA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my report. Please remove these accounts on my report, They are hurting my ability to obtain credit. I do not recognize these accounts nor did I authorize these accounts. These accounts are from a third party in which I have to contract with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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: MA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC
State: CA

Complaint narrative:
Selene Financial LP and XXXX XXXX XXXX fraudulently claim that we failed to make the monthly payments between XX/XX/XXXX and XX/XX/XXXX and resorted to unlawful foreclose on our property even though we provided proof of payments. Selene Financial LP acted as a loan servicer on behalf of the creditor took our payments, but still intend to steal our property by scheduled an auction on our property on XX/XX/XXXX. 

Allowing XXXX and SELENE to proceed with their despicable and malicious behavior to foreclosure on our property and taking payments on our loan at the same time amount to nothing more than THEFT and EXTORTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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:
THIS IS A CONSTANT ONGOING ISSUE WITH MY MORTGAGE CO. I'VE HAD TO FILE TOO MANY COMPLAINTS. WHY IS THE CFPB NOT DOING ANYTHING? XXXX XXXX XXXX XXXXXXXX KEEP ACCUSING ME OF BEING LATE WHEN I'M NOT. NOR IS MY HOUSING AUTHORITY. XXXX XXXX XXXX HAS PROVIDED PROOF OF PAYMENTS TO ME AND I'VE PASSED THAT ON TO MY MORTGAGE COMPANY. XXXX AGENTS HAVE TOLD ME THERE ARE ISSUES WITH THEIR SYSTEM NOT ACKNOWLEDGING SUBSIDY PAYMENTS. THAT'S NOT MY FAULT NOR THE HOUSING AGENCY. I GOT AN EMAIL FROM XXXX XXXX ( LOAN SERVICER ) ON XX/XX/2024 STATING THAT THERE HAS BEEN NO ISSUES WITH MY SUBSIDY PAYMENTS AND THAT THEY ARE APPLIED ACCORDINGLY AND CORRECTLY. THEN TODAY, XX/XX/2024, I GET AN EMAIL STATING A CREDIT ALERT. SO I LOOK AT MY CREDIT PROFILE AND LOW AND BEHOLD, XXXX HAS REPORTED LATE PAYMENTS WHICH HAD A VERY NEGATIVE IMPACT ON MY CREDIT SCORE. I WILL ATTACH THESE DOCUMENTS I'VE SPOKEN OF. I HAD NO ISSUES WHATSOEVER UNTIL MY LOAN TRANSFERED TO XXXX XXXX XXXXXXXX XXXX XXXX SINCE THEN IT'S NONSTOP ACCUSATIONS OF BEING LATE.

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 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing and sending this complaint with absolute certainty and extreme frustration, there are a lot of errors on my credit report that I just can not ignore anymore as this has been negatively impacting my life and credit score making me unable to achieve financial freedom and stability.

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 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the handling of my rental screenings report by TransUnion. 

I have recently been denied for every rental application that utilizes TransUnion rental screening services. Upon contacting TransUnion 's rental screening department, I was informed that the denials are due to inquiries on my credit report. However, these inquiries stem from my attempts to apply for rentals, which seems unjust. 

Furthermore, I was told that I lack sufficient credit history, categorizing me as a " risk '' to potential renters. In light of the current housing instability and increasing homelessness rates, I believe this practice is discriminatory and should be reconsidered. 

The lack of transparency and the inability to address these concerns have hindered my ability to secure adequate housing. I respectfully request that this matter be investigated and urge TransUnion to reevaluate its rental screening processes to ensure fair treatment for applicants like myself. 

Thank you for your attention to this serious matter. I look forward to your prompt 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 2024-10-02 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: MS

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2024-10-02 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: PA

Complaint narrative:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: NC

Complaint narrative:
I am writing to formally notify you that I have been a victim of identity theft, resulting in XXXX fraudulent accounts on my credit report. These unauthorized accounts were added without my knowledge or consent and require immediate resolution. 

ACCOUNTS -XXXX XXXX  XXXX XXXX XXXX XXXX XXXX An official identity theft report has been filed with the Federal Trade Commission ( FTC ), and I am requesting the prompt removal of these fraudulent accounts to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have a XXXX credit card listed on my credit report that was a credit card my mom opened for me that was linked to her credit account when I was XXXX. I never used that credit card and her account was originally used to pay for tires she had bought for a car. Now her balance that she owes is showing on my credit XXXX whole years later. she gave me the credit card as a backup in case I ever had a flat tire. I easily disputed this issue with XXXX and was able to get it corrected but Equifax literally won't even let me submit a dispute and just keeps telling me that it " can't process my request right now ''. I'm in the middle of trying to buy my first car and I have to dispute this first and I can't because all Equifax servers seem to be completely broken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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: DC

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
The company said I had a credit freeze, I called the credit bureau and they said I dont. When I called them back to tell them. Theres no freeze they ran my my credit without my permission. Now I have XXXX hard inquiries! From them and when call Im placed on hold and they said the supervisor will call me back. I never received a phone call back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are wrong address listed on my credit report. 
The only address that should be listed is my current address. 
XXXX XXXX XXXX. 
XXXX XXXX FL XXXX. 

My report has not been corrected.

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 2024-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I received a life insurance check for {$130000.00} and went to put it into my bank account through the bank 's ATM on XX/XX/XXXX. While I was doing that, I changed my mind and decided that I should go into the bank to deposit it, so I cancelled the ATM deposit. I went into the bank on Monday XX/XX/XXXX where I deposited it into my account with the help of a bank associate. Later that day, I went to the store and when I tried to use my debit card, it was declined. I called the bank in the store and I was told over the phone that the bank decided to close my account. On Tuesday XX/XX/XXXX I went into the bank to see if I could withdraw funds from the bank so I can deposit the funds into my new bank account, but I was told that I was not allowed to remove funds from my account. I called the bank customer service number and was told that the account would be closed XX/XX/XXXX and the funds would be mailed in a check once the account is closed.

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 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
The time line : I contact XXXX on XX/XX/XXXX and XX/XX/XXXX to pay off my balance and late fee. I ask to pay my balance and the agent tells me XXXX XXXX they have my bank info on file I ask him to pay it off along with the {$15.00} late fee. 

XX/XX/XXXX I check the account again and see a pending balance. I call again to pay and ask the agent they say there was a remaining balance - I pay again. {$23.00} In XX/XX/XXXX I get a surprise mail that tells me of another balance. I call again to tell them I previously called to pay all the balances. ( But it looks like the late fee was accumulated from {$2.00} interest fee as per account history, I realized this today when I was viewing the account history. XXXX usually tells the late fee is related to pay date or remaining balance, none of the agents told me about this {$2.00} interest fee that caused late fees ) I pay off the {$14.00} late fee balance in XXXX and to be done with this, I ask to close my account/credit card. 

XX/XX/XXXX XXXX check my credit card and XXXX XXXX and notice that my score dropped drastically, it was XXXX points the first time I had issue with XXXX and XXXX points as of now cause of the charges that kept occurring after I paid off my balance with a representative and closed my XXXX credit card. The current account balance is {$110.00} which initially occurred after {$2.00} interest fee kept growing and doubling every month since I closed the account. 

XX/XX/XXXX XXXX I speak to XXXX and they promised to dispute all the charges. At this point XXXX cant put all my full trust in XXXX as they failed to fix the problem in my first and second attempt. My XXXX XXXX already dropped by over XXXX points and I dont want this to damage me any further I am submitting this complaint because XXXX XXXX to communicate the details of this credit card when a store agent stopped me while shopping to get me to sign up for a credit card for a discount. And the associates that I called didnt fully address my issues which caused further complications.

Company response to consumer: Closed with monetary relief