vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-20 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-06-20 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
When reviewing my credit report in XX/XX/year>, I noticed a synchrony bank account on it that I never opened. It was a huge amount ( close to $ XXXX ) that I was shocked to see as I hadnt opened it and had never seen information about it. I never received statements, emails, calls, anything. 

I have filed police reports ( locally and with the FTC ), frozen my credit, and contacted all 3 credit bureaus. Synchrony still wont accept that the account is fraudulent and wont provide information about the opening of the account ( including signature pages ) or proof that the statements were sent to me. I do know that that synchrony claims I made payments from a bank in XXXX Georgia, a place I have never been and to which I have no connection. Synchrony will not send information about the bank the payments were made from. It wont provide signatures used to open the account. It wont provide merchant information about what was purchased to create a $ XXXX bill. It wont give any information despite my many requests for such information. 

I did not open this account, know of its existence before I saw it on my credit report, use the account or make payments on the account. Ive been disputing it since the day I discovered it. I dont know what else to do. Synchrony wont answer my questions or remove it from my report. Please 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 2024-06-20 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: CA

Complaint narrative:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
These items have been deleted by XXXX and XXXX but Transunion continues to report this. These loans report multiple times on Transunion and this company has already been sued and is in a big settlement for the deceptive practices that were used to get people in these type of loans who could not afford them. Also I know my rights have been violated because of reinsertion. I know, The credit bureau must provide the consumer with a letter notifying them that the information will be reinserted. I have not received this. I have sent mail and disputed these fraud accounts and they are still on my credit report please remove I am a victim.

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 2024-06-20 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: CA

Complaint narrative:
I want to discuss my recent review of the credit report acquired from your bureau. Upon certain scrutiny, I noticed the existence of reported late payments on my accounts and I disputing this incorrect information. 

I have done necessary steps to address and find out any postponed payments. I am amused to inform you that other credit bureaus have already took off these late payments from their records. I am peculiar about the discrepancy in reporting between your bureau and others. 

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 2024-06-19 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Several months ago Citi bank sent me a notice that the terms of my Home Depot store credit card would be changing from a risk based model to a fixed 29.99 % APR. I have never been late, never missed a payment, and always pay the account as agreed. 

I called them and demanded justification for the unwarranted change in the card terms. They're response was that they didn't have one, it was a business decision that affected everyone. 

However, they recently sent me a promotional offer for a " valued cardmember '' that listed the advertised rate for the credit card as the original risk based model that I signed up for. XXXX % APR based on credit. If it was a business decision that affected all card holders, then why are they still advertising a risk based interest rate? Are they falsely advertising, or are they discriminating against me by only raising my interest rate and not everyone 's as they claim?

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 2024-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX, XXXX Consumer Financial Protection Bureau Attention : Complaints Division XXXX XXXX XXXX XXXX Washington, XXXX XXXX Subject : Formal Complaint Against Wells Fargo Dear Sir/Madam , I am writing to file a formal complaint against Wells Fargo for violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically in relation to the collection account placed on my credit report without providing validation information as required by 12 CFR 1006.34 ( b ) ( 5 ).

As per the regulation 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have not been given the opportunity to dispute the alleged account, nor have I received full validation of the debt, including the original signed contract bearing my signature. I am hereby requesting the collection agency to provide me with the necessary validation documents, including any proof of certified mail delivery with confirmation. 

Furthermore, I assert my rights under the Fair Credit Reporting Act ( FCRA ) that if the collection agency is unable to verify and validate the debt, I demand the immediate deletion of the account from my credit report. 

It also has come to my attention that Wells Fargo has been engaging in unfair and deceptive practices by furnishing inaccurate information to consumer reporting agencies without the required disclosures mandated by law, in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681 - S2 ( 7 ) ( A ). I am deeply concerned about the disregard for my consumer rights and the potential harm this has caused to my credit standing. 

In light of these violations and unethical breaches, I am formally revoking any authorization for Wells Fargo, its subsidiaries, agencies, etc to contact me through any means, including email, text, calls, or any other form of communication. I expect prompt action to rectify these issues and ensure compliance with the relevant laws governing debt collection practices and my consumer rights. 

I appreciate your attention to this matter and look forward to an expeditious resolution. 


Thank you for your time in addressing this serious issue. 

Sincerely, 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 2024-06-20 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: PA

Complaint narrative:
My account with XXXX XXXX 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 in XX/XX/XXXX and XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


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

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 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: VA

Complaint narrative:
Continue to report an accurate and unverified information on my consumer report. Further damaging my report and character, Making it hard to establish new Credit, Employment opportunities, and new home. This invalid information has caused me emotional distress and has made things difficult

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 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: VA

Complaint narrative:
Continue to report an accurate and unverified information on my consumer report. Further damaging my report and character, Making it hard to establish new Credit, Employment opportunities, and new home. This invalid information has caused me emotional distress and has made things difficult

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
I did not receive any paper work at all it just appeared on my credit report from cavalry portfolio services so I contacted them and they said they were trying to collect on a dept from XXXX  years ago I said I never received anything from them so they told me it was given to XXXX XXXX XXXX witch I've made multiple phone calls to with new help I finaly made XXXX last call to them and spoke to a XXXX XXXX and he's said he was going to send me information on this its been XXXX weeks haven't received anything yet I made several calls back finaly got in touch with him his response was he forgot and I said that's not very professial seeing I'm trying to resolve this he said sorry and would get right on it so as of XXXX  XX/XX/2024 I have not received anything I made a call today asked for him and the man I spoke to said he's never heard of XXXX XXXX and if this is from XXXX years ago how is this thrown on my credit report now don't make sense and now my credit is destroyed and I need help here thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SOP Pioneer Partners LP
State: TX

Complaint narrative:
I received a letter from XXXX XXXX XXXX, dated XX/XX/2024, and another sometime in XXXX, I believe, offering XXXX different settlement amounts, which I was unaware of until after receiving a phone call in late XXXX from XXXX of your representatives extending a different settlement amount. I wasnt aware of who you were and still am confused. When I received a few text messages, one on XX/XX/XXXX from your company, I thought, is this a scam? At that point, I responded that I declined to pay. The next text came on XX/XX/XXXX ; I guess I missed that XXXX, but on XX/XX/XXXX, again, I declined to pay. This brings me to where we are now ; Im requesting all your documentation, which gives you the authority to collect this debt from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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: WI

Complaint narrative:
My account with XXXX XXXXXXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXXXXXX XXXX XXXX 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 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 on those accounts to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX, XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 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: Cascade CISS Holdings, LLC
State: CA

Complaint narrative:
On XX/XX/2023 CREDIT PLUS performed a hard inquiry on my credit report. I am extremely careful about the information on my credit report and the accounts that are open. Recently, I checked my credit report on the XXXX website and discovered that Credit Plus had checked my credit. Before this, I had sent them multiple letters asking them to please provide me with the correct and proper documents showing that I was the one who applied with them, but they have failed to do so. Please see the attached FTC report at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I made a very large online purchase from the online clothing merchant XXXX XXXX XXXX. On XX/XX/XXXX, within the merchant 's mandated timeframes and methods, I requested a return merchandise authorization and return label that was subsequently mismanaged by the merchant and all attempts to correspond with the merchant to remedy the situation went unanswered between XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I filed a full, comprehensive dispute with my credit card issuer, Chase Bank, however, failed to accept and/or properly document pro-offered evidence and XXXX crucial, subsequent messages from Chase were relegated exclusively to a demonstrably obscure part of my online Chase account between XX/XX/XXXX and XX/XX/XXXX. Without any commonly standard follow-up attempts via phone, text, or email, critical information and evidence was not able to be relayed in a timely manner and the dispute was ultimately decided against me. Furthermore, Chase refused to escalate the dispute, evaluate any new evidence, or reconsider their decision based on the egregious breakdowns and stop-gaps within their own communications portal. As of XX/XX/XXXX, XXXX XXXX XXXX had received {$2000.00} of returned merchandise without ever issuing a refund or responding to emails, calls, or complaints, and Chase failed to adequately inform, counsel or protect me with regards to this matter having finally closed the dispute in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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: MI

Complaint narrative:
Hello, in XXXX of 2023 there was fraud done on XXXX of my XXXX  XXXX cards. I was a victim of fraud last year in XXXX. purchases was made on all three of my XXXX  XXXX credit cards. i called XXXX  XXXX and they never reached back out about the update on yhe investigation. They just closed all three of my XXXX  XXXX credit crads, so I thought I did not have to deal with them anymore, even though i eas sad i could not use or have my credit cards anymore and i was with them for years. Fast forward I noticed even though they closed my accounts and I could jot lof back into credit card accounts that they was reporting late charges on my credit files with all three credit bureaus. which affected me drastically, i called XXXX  XXXX and they said they could not do anything even though the fraud in fact did happen on account. Now I cant purchase home or do anything because of my credit files. Please help get these XXXX  ones off my credit.

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 2024-06-19 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: MI

Complaint narrative:
Hello, in XXXX of 2023 there was fraud done on XXXX of my XXXX  XXXX cards. I was a victim of fraud last year in XXXX. purchases was made on all three of my XXXX  XXXX credit cards. i called XXXX  XXXX and they never reached back out about the update on yhe investigation. They just closed all three of my XXXX  XXXX credit crads, so I thought I did not have to deal with them anymore, even though i eas sad i could not use or have my credit cards anymore and i was with them for years. Fast forward I noticed even though they closed my accounts and I could jot lof back into credit card accounts that they was reporting late charges on my credit files with all three credit bureaus. which affected me drastically, i called XXXX  XXXX and they said they could not do anything even though the fraud in fact did happen on account. Now I cant purchase home or do anything because of my credit files. Please help get these XXXX XXXX off my credit.

Company response to consumer: Closed with explanation