vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-28 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: GA

Complaint narrative:
In continuation of my prior communication regarding the disputed late payment entry recorded on my credit report, I am writing to underscore the urgency of reevaluating this matter and to emphasize the potential ramifications of non-action on your part. As previously articulated, the erroneous inclusion of a late payment entry erroneously attributed to my XXXX XXXX XXXX XXXX account for the month of [ XXXX ] has significantly and detrimentally impacted my creditworthiness and financial status. 

Despite the gravity of this issue and the imperative necessity for its expeditious resolution, I have yet to receive confirmation of any measures taken to rectify the inaccurate entry on my credit report. This lack of responsiveness and apparent delay in addressing the matter falls short of acceptable standards and fails to acknowledge the urgency and severity of the current situation. I have independently confirmed with XXXX that they have updated the status of this entry to reflect it as paid as agreed. I possess the updated documentation from this investigation as evidence. 

Given the ongoing failure to resolve this dispute in a timely manner, I wish to reiterate my intention to terminate my account with the aforementioned creditor and explore alternative options offered by other creditors. It is abundantly clear that the present circumstances necessitate immediate action to mitigate the harm inflicted by the erroneous reporting on my credit 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
Consumer complaint received 2024-04-28 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: MO

Complaint narrative:
FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each erroneously reported item on my credit file.

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 2024-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mobiloans, LLC
State: CA

Complaint narrative:
Requested 3x 's to verify this debt belongs to me with no reply

Company response to consumer: Untimely response
Consumer complaint received 2024-04-28 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I got an XXXX  XXXX and ultimately was offered a {$2000.00} loan from care credit / synchrony bank.. I accepted the loan at a 12 month 0 interest payment plan .. as time went on, the 12 months was up and all of a sudden I owe {$2600.00} after paying {$1600.00} because I apparently opted for minimum payment due on a 12 month term? But then they proceeded to tell me I called it in to change but would not provide me record of this call I had supposedly made, that is because I would never do that knowing I opted for a 0 % interest plan. I spoke to a foreign manager who proceeded to yell at me and would not help in any way, I was then stuck on a hold like for 3 hours knowingly that no one was going to pick my call up.

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 2024-04-28 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
On XX/XX/2024 i received an alert from XXXX XXXX regarding a decrease in limit from Synchrony/Amazon , which said my limit will be lower from {$600.00} to {$310.00}. This now leave me with {$15.00}. I have always paid on time and above the minimum payment. The letter said I had no real estate, collections and high limits, which was on my credit report when I applied over a year ago. This also plummets my credit score because my debt to ratio now is over 85 %. I have {$290.00}, my limit was {$600.00} and NOW its decreased to {$310.00}, with a {$290.00} balance with {$15.00} left. This is unacceptable and my credit limit needs to be at {$600.00} again. This is a bullying tactic to forcible close my card like they did with my XXXX XXXX because I didn't use it for six months. This act plunged my credit score by XXXX points. Synchrony is doing it AGAIN! When you answer if you are XXXX, which I am this is a disservice to XXXX and XXXX Americans. Studies have shown XXXX and XXXX Americans have a hard time getting approved, maintaining and getting credit increases. This is not acceptable behavior following the Truth in Lending Act. Now my credit score with be affected again with only {$15.00} left to spend.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I am writing to file a formal complaint against Wells Fargo regarding their refusal to allow me to open an account online, which has adversely affected my ability to manage my car loan account and resulted in late payments on my credit score. 

In XX/XX/year>, I entered into a car loan agreement with Wells Fargo to finance the purchase of a vehicle. As part of my banking preferences, I attempted to open an account with Wells Fargo online to facilitate payments and manage my loan account conveniently. However, despite multiple attempts and inquiries, Wells Fargo has consistently denied my requests to open an account through their online platform. I have been unable to view my loan balance, make payments, set reminders, or set up auto-pay since inception of the loan. Instead, I relied on receiving phone calls from a Wells Fargo representative to remind me to pay my loan each month after the due date. They were unable to add my card or account to recurring pay automatically because I had to have atleast two months on time payment and then call back to set up myself. I have XXXX  and can not remember on my own, nor can I even keep a calendar. 

As a result of Wells Fargos refusal to provide online account access, I have encountered significant challenges in making timely payments on my car loan. Without the ability to manage my account online, I am forced to rely on alternative, less efficient methods of payment, which have led to late payments and negative repercussions on my credit score. 

I believe Wells Fargos actions constitute a violation of consumer protection laws and represent unfair and deceptive practices. By denying me access to online account management, Wells Fargo has failed to fulfill their obligations as a financial institution and has caused undue harm to my financial well-being. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate enforcement action against Wells Fargo to ensure compliance with consumer protection regulations. Additionally, I seek assistance in resolving the issue of online account access and obtaining compensation for any damages incurred as a result of Wells Fargos actions, and/or having the late payments that were unfairly reported removed from my credit history. They have made me unable to apply for a mortgage, get an apartment ( no co-signer available to me ), or get a credit card, further causing me to incur late fees and high dollar value security deposits. I WAS LATE BECAUSE I MOVED AND GOT A NEW PHONE NUMBER, CAUSING ME TO BE UNABLE TO RECIEVE LATE PAYMENT REMINDERS I AM ALSO UNABLE TO LOCATE A LOAN OR ACCOUNT NUMBER.

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 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
When I was a XXXX  at the XXXX XXXX XXXX, my identity was stolen and credit cards were made without my knowledge. On my credit report it shows the address XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX, which I have never lived in. With my stolen identity, they maxed out XXXX credit cards and never paid any of the balance. One was a Saks Fifth Avenue card and the other was a Capital One Walmart Rewards card with a limit of XXXX XXXX The card was mailed to the XXXX XXXX address and they used the card on XX/XX/2022 as I was told by Capital One 's fraud department. I sent them proof of my work schedule and me at work in a restaurant in XXXX XXXX, XXXX  with time stamp, date stamp and XXXX location stamp. I physically wasn't present in the Walmart located in XXXX XXXX and Capital One did their investigations for the past 2 years are still deeming it not fraud and that it is my responsibility. Due to this, my credit score has dropped from XXXX 's to a low of XXXX and was on the rise to XXXX when Capital One decided to send it to collections and dropped again to XXXX. The card had months of delinquent payments as I was unaware of its existence. Capital One refuses to sent me a copy of my application for the credit card and the monthly statements. When I had first called, they had a different email and telephone number on file. I tried to remove this address from my credit file from XXXX and Capital One is deeming it my fault and therefore won't let me remove this address from my credit file which Capital One did their investigations that show I made the card online from that address I never lived in. I am stuck in a circle that Capital One has made as I filed for fraud so many times and their investigations show through the credit bureaus this address in which the cards were made and I can't remove the address from my credit report from these bureaus. I had lost my wallet many years and I was randomly called one day by XXXX XXXX police that they had pulled over a driver who was carrying around my Driver 's Permit. The amount was XXXX $ and due to late fees and interest, it has ballooned to over XXXX XXXX The card was made XXXX of XXXX  and was used XX/XX/2022 and it was used with a physical card at a Walmart in XXXX XXXX when I was working at a restaurant all day that day in XXXX XXXX, XXXX. I will be attaching proof of time stamped, date stamped and XXXX  stamped photos that I was in XXXX XXXX the entirety of my cards being made and used in XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: LEXISNEXIS
State: NJ

Complaint narrative:
Beginning on or around XX/XX/2024, I notified LexisNexis of inaccurate and illegal reporting. The company responded without addressing my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank sent me a credit card via US Mail, in which I did not authorize or activate. When I called them to close this account, they closed the account and reported it to all XXXX credit bureaus dropping my score in the low XXXX XXXX from over XXXX. I worked with Synchrony Bank to correct this issue however they have refused to fix the issue. 

I DID NOT authorize the opening of this account, therefore the entry on my credit report is fraudulent.

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 2024-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I have a inaccurate inquiry from pentagon federal credit union

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 2024-04-28 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: PA

Complaint narrative:
I did not have a contract with both companies that have been listed on the dates they are reporting that the account is was opened. Each time I dispute it they change the date. I've tried to dispute these items with XXXX XXXX Equifax and they don't seem to care not resolve this issue. Its incredibly difficult to get someone on the phone, they don't follow through with their investigation. Allow these companies to access my sensitive data and post damaging misinformation on my credit report is grossly neglectful and irrisponsponsible of credit reporting agencies. Especially when I've brought this to their attention many times! Its violated my right to fair treatment and privcacy of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: TX

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I've reached out to Equifax about the reporting of my credit. I have no score nor any accounts. Equifax told me to notify my monitoring company and I did and XXXX XXXX referred me back to Equifax so this is a back and forth thing and nothing has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: FL

Complaint narrative:
I was looking to my credit report and noticed that there were hard inquiries that are not mine there.

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 2024-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
The company violated The Servicemembers Civil Relief Act ( SCRA ) time of account when collection was during military XXXX to a XXXX XXXX overseas. Supporting military orders and document was sent to the company with no respond back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: TX

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with fraud alerts or security freezes — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
One main I see this in accurate inquiry on my credit report That wasnt approved by me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: FL

Complaint narrative:
I have recently review my credit report and I found a fraudulent activity on my account please help me to remove this fraudulent activity to obtain credit it's really harming me and my family

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 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
When I was a student at the University XXXX XXXX, my identity was stolen and credit cards were made without my knowledge. On my credit report it shows the address XXXX XXXX XXXX, XXXX XXXX, NY XXXX, which I have never lived in. With my stolen identity, they maxed out 2 credit cards and never paid any of the balance. One was a XXXX XXXX XXXX card and the other was a XXXX  XXXX XXXX XXXX card with a limit of XXXX XXXX The card was mailed to the XXXX XXXX address and they used the card on XX/XX/2022 as I was told by XXXX XXXX 's fraud department. I sent them proof of my work schedule and me at work in a restaurant in XXXX XXXX, Michigan with time stamp, date stamp and Geo location stamp. I physically wasn't present in the XXXX located in XXXX XXXX and XXXX XXXX did their investigations for the past 2 years are still deeming it not fraud and that it is my responsibility. Due to this, my credit score has dropped from XXXX 's to a low of XXXX and was on the rise to XXXX when XXXX XXXX decided to send it to collections and dropped again to XXXX. The card had months of delinquent payments as I was unaware of its existence. XXXX XXXX refuses to sent me a copy of my application for the credit card and the monthly statements. When I had first called, they had a different email and telephone number on file. I tried to remove this address from my credit file from Equifax and XXXX XXXX is deeming it my fault and therefore won't let me remove this address from my credit file which XXXX  XXXX did their investigations that show I made the card online from that address I never lived in. I am stuck in a circle that XXXX XXXX has made as I filed for fraud so many times and their investigations show through the credit bureaus this address in which the cards were made and I can't remove the address from my credit report from these bureaus. I had lost my wallet many years and I was randomly called one day by XXXX XXXX police that they had pulled over a driver who was carrying around my Driver 's Permit. The amount was XXXX $ and due to late fees and interest, it has ballooned to over XXXX XXXX The card was made XXXX of 2022 and was used XX/XX/2022 and it was used with a physical card at a XXXX in XXXX XXXX when I was working at a restaurant all day that day in XXXX XXXX, Michigan. I will be attaching proof of time stamped, date stamped and geolocation stamped photos that I was in XXXX XXXX the entirety of my cards being made and used in XXXX XXXX, New York.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 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: TX

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with explanation