vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

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 2024-05-09 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: GA

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

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 2024-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
I have sent this company a XXXX adhere this company has refused to adhere to the federal guidelines by ignoring my request in my attempts to resolve this matter the company is not legally bonded and or insured to collect in the state of XXXX. please have this company cease all XXXX activities this my last attempt to complain outside of court. 

XXXX XXXX # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: NJ

Complaint narrative:
" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 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: NJ

Complaint narrative:
" Your agency is in violation! 
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.

Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ;  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 2024-05-09 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Beginning in XX/XX/XXXX my Phillips 66/Synchrony gas credit card had several unauthorized charges. I notified the bank on XX/XX/XXXX. Since that time I've been informed 12 times in writing and over the phone that the card has been cancelled and the account closed. But the unauthorized charges have continued through XX/XX/XXXX. I have opened claims for unauthorized activity 5 times. The first 2 were approved and the charges reversed. The last 3 times I've been informed that the charges aren't fraud because they are pending and are not billed to my account. But they have been billed to my account. I am now receiving e-mails saying i owe over {$14000.00} on a credit card with an $ XXXX. limit. They are also threatening to add penalties if I don't pay. All the charges are unauthorized. Why has Synchrony allowed the fraud to go over their limit and continue for so long?

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 2024-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: MS

Complaint narrative:
Apple XXXX was hacked and my Apple Card alone I have had since XXXX and I have not been able to access or receive statements because my phone was hacked. Each time I have tried, XX/XX/XXXX and henceforth till XX/XX/XXXX I have run into difficulty and presently still unable to use the card. The phone number XXXX and email address XXXX unable to use. The Apple sources are not friendly, I go to the Apple Store in XXXX, XXXX at least monthly and in XXXX I went each week, and have not receive the help I really need. I'm just an after thought and I need some assistant, My card is paid off but on the phone whomever still had access to my XXXX, XXXX, XXXX XXXX which I had to closed the account which showed my card was paid of and they some how they reversed the charging my account. Thank you for your assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-09 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:
Received a notice from XXXX stating that there was an attempt to open a XXXX credit card through XXXXXXXX XXXX but that it was declined. Checked credit report through Equifax and saw that a hard inquiry occurred on XX/XX/2024 for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which was not requested by me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
The reason for me closing this credit card was because the harsh interest fees I was receiving once I brought that to the companies attention. They agreed they werent going to charge me for the fees anymore, but I decided to close the account the late fees they are charging me {$40.00}. It is absurd and it makes it difficult for me to pay off the account. I dont receive late fees all the time but the way they are Accepting the payment I have to pay it in full. How am I ever going to close the account when they harshly charge me all these fees the card was originally a {$700.00} limit when I close the account they charged me {$700.00} again it was at {$1300.00}. The balance is at {$800.00}. Its been the same for months. Ive been paying hundreds of dollars seem as if my balance is staying the same then theyre hitting me with these fees. It needs to Stop.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: MIDFIRST BANK
State: MI

Complaint narrative:
We were first presented with an opportunity to ease the financial burden of paying our mortgage by researching the CARES act. XXXX XXXX, our mortgagor at the time, had a loan forbearance program that helped us pause payments on our mortgage temporarily. 
This provided great financial relief to our family since my wife was unemployed during most of the pandemic. 
We continued our forbearance until XX/XX/XXXX, thats when we contacted XXXX XXXX and they had us complete a Mortgage Assistance Application. We completed the application as instructed, because we were under the impression that the amount owed from the forbearance would be added to the backend of our mortgage, so that our payments didnt go up or we wouldnt have to pay back {$40000.00} all at once. We continued calling and following up with XXXX XXXX, but we never got an answer of where we were in the process. It got to the point where our credit score was affected negatively. In XXXX, XXXX, and XXXX of XXXX we started to make our regular payments so as not to have any more bad remarks added to our credit scores. At the end of XX/XX/XXXX, we were contacted by XXXX XXXX and after explaining our situation they suggested we complete a loan modification. During the modification we were instructed to make partial payments until it was completed. We kept making the partial payments until XX/XX/XXXX, which is also when our mortgage was sold to Midland Mortgage. We contacted Midland who said that they had no idea we were in the middle of a modification, so they offered to start the loan modification process all over again for us. It wasnt until XX/XX/XXXX that the modification process was completed, and we would resume making regular payments. We are currently making are monthly mortgage payments without issue. It wasn't until we had a financial advisor look into our modification terms that he stated we may have been taken advantage of. We had a junior lien backed by HUD placed on our home for over {$100000.00}. On top of that our interest rate was raised to 7.25 from 5.135 %, the term of our loan went from XXXX years to XXXX years! and our payment was only reduced by around {$40.00}. We were taken advantage of as we were made to feel like this was the only solution opposed to selling our home. The other issue is that even though we agreed to the covid-19 forbearance terms, and made low payments as instructed during our loan modification we still received negative remarks for missed payments on me and my wife 's credit reports. We tried several times to dispute the remarks, but we keep getting the same answer that the reporting is correct, and we could dispute again. We literally feel like we are getting no help.

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 2024-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
BANK OF AMERICA Routing # : XXXX Account # : XXXX They deleted the savings account but left the checking. This was not my account

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 2024-05-09 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: Affirm Holdings, Inc
State: SC

Complaint narrative:
I sent certified letters to companies requesting information to be deleted and corrected. On XX/XX/2023 and on XX/XX/2023 I mail letters requesting correct errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: TX

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX Has violated my rights. 

I looked at my Experian and XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-05-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 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: NJ

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. 

Account name : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, has violated my rights. 


15 U.S.C. 1681section- 602 A. States I have the right to privacy 15 U.S.C. 1681section- 604 ; It also states a consumer 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 counting 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 response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: FL

Complaint narrative:
On XXXX I was contacted by XXXX via email ( attached ) demanding that I change my FTC Identity Theft report, as they claimed it " did not meet their requirements ''. I called XXXX XXXX XXXX at XXXX on the same day and spoke with an agent, who informed me that the blocking request was denied until I update the filing with the FTC to meet guidelines. I called the FTC at XXXX and spoke with a live agent who read over the FTC Filing and stated there was nothing in the report that wasn't in guidelines. The FTC helped me to rewrite the filing, and also submitted a complaint against XXXX for the daily denial of the blocking request, each day with a different reason. 

This complaint is being filed as an update to the FTC Identity Theft report, as a way to provide proof that I have provided all required documents in this blocking request, and to prove that XXXX is acting unlawful. 

This filing is also being sent to XXXX AND EQUIFAX as the updated FTC Report. 

Furthermore, EQUIFAX on XXXX DENIED my request to remove XXXX  noting that they verified the debt is mine, however this too is IDENTITY THEFT and has been included on the FTC IDENTITY THEFT report and is hereby ordered REMOVED!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XXXX I was contacted by EXPERIAN via email ( attached ) demanding that I change my FTC Identity Theft report, as they claimed it " did not meet their requirements ''. I called Experian Fraud Dept at XXXX on the same day and spoke with an agent, who informed me that the blocking request was denied until I update the filing with the FTC to meet guidelines. I called the FTC at XXXX and spoke with a live agent who read over the FTC Filing and stated there was nothing in the report that wasn't in guidelines. The FTC helped me to rewrite the filing, and also submitted a complaint against Experian for the daily denial of the blocking request, each day with a different reason. 

This complaint is being filed as an update to the FTC Identity Theft report, as a way to provide proof that I have provided all required documents in this blocking request, and to prove that Experian is acting unlawful. 

This filing is also being sent to XXXX AND XXXX as the updated FTC Report. 

Furthermore, XXXX on XXXX DENIED my request to remove XXXX  noting that they verified the debt is mine, however this too is IDENTITY THEFT and has been included on the FTC IDENTITY THEFT report and is hereby ordered REMOVED!

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 2024-05-09 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: AZ

Complaint narrative:
Since XX/XX/XXXX, I have contacted XXXX XXXX, demanding that they report my account ( XXXX ) correctly with XXXX, TransUnion, and XXXX. 

Despite my paying my loan on time every month since XX/XX/XXXX ; XXXX is not reporting my monthly on-time payments correctly each month.

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 2024-05-09 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: AZ

Complaint narrative:
Since XX/XX/XXXX, I have contacted XXXX XXXX, demanding that they report my account ( XXXX ) correctly with Experian, XXXX, and XXXX. 

Despite my paying my loan on time every month since XX/XX/XXXX ; XXXX is not reporting my monthly on-time payments correctly each month.

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 2024-05-09 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I have unauthorized items on my account & I want them removed.

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 2024-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to urgently address ongoing concerns regarding the negative entries listed on my credit report, which have not been appropriately verified or resolved despite previous communications with your department.

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 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
CHARGE-OFF DEBT HAS BEEN FILED AND IS NOW TAXABLE INCOME AND CAN NOT BE REPORTED TO YOUR CONSUMER PROFILE

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