vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I was signing up with care credit with XXXX dental to get work done. I gor a cleaning and x-rays. I got an estimate for the first round of work. I paid XXXX something. Thinking that was it. No other work was done. Looks like XXXX charged my insurance for those items. I paid care Credit for nothing apparently. Thought that was the end. Just got a call I owe XXXX. Now they want money for nothing. XXXX XXXX was very rude. I have disputed the charges. I need to know what I have to do to get rid of this.

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 2024-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: AR

Complaint narrative:
I was approved for a Truist checking account on XXXX XXXX XXXX with a {$400.00} bonus promotion code. That code required me to have a {$500.00} direct deposit as well as make 15 transactions with a debit card all within 90 days to qualify for. 

However I didn't receive a debit card for the account. 45 days later I called in to ask where my debit card was and they said there was an issue with funding the account and so it had XXXX dollars and thus was inactive and never got a debit card sent at all. I was told to transfer some money over and it would become active and a debit card would be sent. I put in the money that day around XX/XX/XXXX. 

I waited more and eventually called back in today Wednesday XX/XX/XXXX. They said that I had to order the debit card and that's why one wasn't sent. Now I have never had a bank not send me a debit card automatically. How am I supposed to know that if they don't say so? They just said out money in and one would be sent. 

Now a debit card is coming but it won't get here in time to be able to use the card for 15 transactions to post before the promo period expires XX/XX/XXXX. 

I called in again and had a XXXX hour phone call through multiple people trying to get an extension since this wasn't my fault and now I have a checking account I wouldn't have signed up for and hit my XXXX with an inquiry without the bonus. Eventually all of them said there was nothing they could do despite it not being my fault and being sorry. This is fraud to offer someone money to open account and then not give them the tools to meet the requirements. Especially something as fundamental as a debit card. 

Eventually they hung up on me. XXXX minutes later the supervisor I was working with called back and I missed it. I tried calling the number she left in her voicemail but it just took me to generic service and they couldn't get me back to her without another XXXX minute hold. Given success so far I said I was just going to file a CFPB complaint and skip that pain. So here I am. 

I just want to meet the requirements to get the money like we agreed.

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 2024-06-26 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: GA

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
There are several accounts on my credit report that I have no knowledge about

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 2024-06-26 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: FL

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a 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 explanation
Consumer complaint received 2024-06-26 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: GA

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-06-26 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: GA

Complaint narrative:
RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. XXXX. The inquiry was not authorized XXXX Date of Account : XX/XX/year> Please remove it from my credit report. XXXX XXXX XXXX  Account Number : XXXX .Validate the late payments. I have never been late on this account. XXXX Account Number : Please correct/update this inaccurate information on my credit report. XXXX XXXX Account Number : XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX  TRAFFICKING. Please correct/update this inaccurate information on my credit report. XXXX XXXXAccount Number XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!! Please correct/update this inaccurate information on my credit reportXXXX XXXX XXXX Account Number : XXXXPLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX TRAFFICKING

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: FL

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a 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 2024-06-26 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-06-26 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:
M

y accounts 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 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 reported to be removed/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.

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!

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 2024-06-26 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: MD

Complaint narrative:
In Accordance with FCRA, 15 us code 611 ( a ) ( 3 ) ( A ) this account is PAID and CLOSED therefore it shouldn't be reporting or shown as POTENTIALLY NEGATIVE. Pleased delete the RED POTENTIALLY NEGATIVE for XXXX XXXX. 


Account name XXXX XXXXXXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Original balance {$670.00} Highest balance - Terms 12 Months Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Current / Terms met 30 Past due 30 days XXXX Closed Payment history guide 30 days past due as of XX/XX/XXXX Balance history XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Additional info The original amount of this account was {$670.00} Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Your statement Comment Current : Account previously in dispute - investigation complete, reported by data furnisher Previous : None Reinvestigation info This item remained unchanged from our processing of your dispute in 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 2024-06-26 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: GA

Complaint narrative:
Please remove and block. 
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask that they be removed. You must take immediate action to delete this false information from my files.

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 2024-06-26 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: NJ

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

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 2024-06-26 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
On XX/XX/XXXX I spoke to XXXX XXXX XXXX XXXX Manager who reconciled and decreased the amount owed, since I was initially disputing the erroneous move out charges. The same day I called Genesis, debt collector and spoke to XXXX XXXX and emailed the updated amount and was told to call the next day if the amount has been updated in Genesis accounting system. Ive made at least 6 calls since then always being told to call back because Genesis has not heard from XXXX XXXX about the confirmed balanced owed. On XX/XX/XXXX, I called XXXX XXXX  at their Central Billing Dept and spoke to XXXX who confirmed the updated balance of {$330.00}. I was also told by XXXX that all correspondence should be done through Genesis. Genesis still says that havent received a confirmation regarding the new balance owed. All i want to do is pay these overpriced moveout charges so it will be removed from my credit report. Please help expedite.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
During this whole process I have continued to communicate with mortgage company of my condition even when in hospital XX/XX/year>, after XXXX XXXXXXXX XXXX. one week later I had XXXX XXXX in XXXX and XXXX and could have had XXXX XXXX 

Placed in hospital over a week with XXXX XXXXXXXX XXXX XXXXt during a time hospital had patience in hallways so full. When released I had XXXX XXXX for one week at home to add to the issues. 

I started out with XXXX XXXX, Shellpoint representive XXXX. Provided all documents requested in XX/XX/year> after I returned to work. 

I also had informed them I had applied for assistance in government program as directed. and was told why don't I allow them to do it instead. 

The government assistance person was XXXX XXXX in XXXX, Washington. XXXX XXXX XXXX He stated he was my referred provider for government. 

Later, Shellpoint gave me new representative to start over again XXXX XXXX in XX/XX/year>. 

Even now after receiving the letter stating all documents needed to modify earlier this month and reaching email from XXXX stating it would take XXXXive to seven days to have answer back from underwriting. 

When I emailed last week to follow up on status newer banking statements as they have asked every month for four months. My income is over XXXX every month.with XXXX  retirement from XXXX. 

I gave all tax returns and documents I didn't need before to help them assist me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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. XXXX XXXX XXXX According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 2024-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
In XX/XX/XXXX, I needed to purchase a new vehicle. I pulled my own credit report and found inaccuracies that needed to be corrected before I could apply for vehicle financing. I began the process of disputing unauthorized and unverifiable hard inquiries on my 3 credit bureaus. Some have been successfully resolved with the creditors directly. The remaining inquiries are still reporting inaccurately. Furthermore, these creditors are reporting different dates for the inquiries across the 3 bureaus. I contacted each company multiple times and was not assisted and no proof was provided to validate the inquiries or prove that I authorized my credit to be ran. The following are the inaccurate inquiries with Transunion : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXXXX requesting that these inquires be deleted immediately in accordance with my rights to accurate credit reporting.

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 2024-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

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 2024-06-26 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: MD

Complaint narrative:
According to FCRA section 605b it is illegal to report information on my credit report without my permission. Please remove from my credit report. Thank you.

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 2024-06-26 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: MD

Complaint narrative:
According to FCRA section 605b it is illegal to report information on my credit report without my permission. Please remove from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
Hello, This is about a Synchrony XXXX card. I payed my bill on time and received a confirmation email that I had payed XXXX dollars to the account on XXXX. It apparently never went through and used the wrong account number. I called them and explained that I was unaware of this and they refused to wave the late fee. I went ahead and payed the card off after trying to resolve this issue. When I went to pay, all of my saved accounts to pay with were gone. Seems suspicious to me. I dont feel like this was handled appropriately and feel like a victim here.

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