vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Grain Technology, Inc.
State: TX

Complaint narrative:
Hello I have a account with Grain for almost a year now the company is big on how they allegedly helps everyone obtain credit with no credit check which is great. What they don't tell you is you make one mistake you are on your own. I have several credit cards and I discovered the best way to insure all your payments are paid on time when due is by selecting auto pay set it and forget it. Which is how my Grain account has been operating I would get an email stating my payment was received been set up on auto for almost a year. All of sudden at the last minute I received my statement in my email I opened it to see it said I was 30days late which made no sense seeing how Im set up on auto pay. So I immediately reached out to them could get anyone on the phone due to holiday so I sent a chat message. I finally get a reply stating we are sorry but out third party company lost a connection to your bank then she sends me a link to pay. I go ahead and immediately pay it up i owed 40.00 and i paid 60 the account is practically paid off as it is I always stayed within 30 % of my credit limit and never been late until I find out at the last minute my bank needed to be relinked. Well and email would have been nice or any type of notification I didnt get anything until the last minute. As a result of the I end up with a 30 day late which is very unfair to me based on why this happen. Most companies will notify you after yo missed your payment date apparently they just wait 30days so you can get a negative impact to your credit. This has caused me to not be able to get my pre approval for my home very disturbing. I hope you can help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Good Morning! 

This is not the first time that I try to fix and innacurate item on my report, the Credit Bureaus have failed to continue with the correct process, they have stop answering the letters and are not willing to work with me by showing me proof that these accounts are accurate. 

I will load all the letters that Ive sent since last year.

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 2022-01-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: American First Finance, Inc.
State: KY

Complaint narrative:
American First Finance reached out to me regarding a debt collection for couches purchased at a store called XXXX XXXX. I advised them that I never initiated a loan or purchased any couches from a company called XXXX XXXX. They sent me a document to fill out regarding fraud which I completed and returned. However, they continue to state that I got a loan and purchased the furniture. I spoke to another rep who then stated that I purchased the items from XXXX XXXX  XXXX. I advised that I purchased my daughters bedroom set from there, but it was paid in full with cash and that I did not obtain a loan. I have sent them proof of the transactions, I proved that I paid in cash and they continue to state that I purchased couches. I was advised to get a police report. However, when I called down to the police station I was told that it happened to long ago and that they can only take a statement. I'm at a loss and do not know what further steps to take.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
ON XX/XX/2021 I SUBMITTED A LETTER TO XXXX TO VALIDATE SEVERAL INACCURACIES ON MY CREDIT PROFILE THAT WERE SERIOUSLY DAMAGING MY ABILITY TO OBTAIN CREDIT. NOT ONLY DID THEY NOT RESPOND BUT THESE ERRONEOUS ACCOUNTS HAVE REALLY MADE IT HARD TO OBTAIN HOME MORTGAGES, AUTO LOANS, AND LINES OF CREDIT. THERE HAS BEEN NO VALIDATION OR CORRECTION OF THESE ERRORS AT ALL. I UNDERSTAND AS A CONSUMER THAT CREDIT COLLECTION COMPANIES ARE GIVEN THE PRIVELAGE TO REPORT ACCOUNTS AND THAT THEY MUST BE ACCURATE. I HAVE BEEN DISPUTING THESE INACCURACI FOR 7 MONTHS ....

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 2022-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
ON XX/XX/2021 I SUBMITTED A LETTER TO XXXX TO VALIDATE SEVERAL INACCURACIES ON MY CREDIT PROFILE THAT WERE SERIOUSLY DAMAGING MY ABILITY TO OBTAIN CREDIT. NOT ONLY DID THEY NOT RESPOND BUT THESE ERRONEOUS ACCOUNTS HAVE REALLY MADE IT HARD TO OBTAIN HOME MORTGAGES, AUTO LOANS, AND LINES OF CREDIT. THERE HAS BEEN NO VALIDATION OR CORRECTION OF THESE ERRORS AT ALL. I UNDERSTAND AS A CONSUMER THAT CREDIT COLLECTION COMPANIES ARE GIVEN THE PRIVELAGE TO REPORT ACCOUNTS AND THAT THEY MUST BE ACCURATE. I HAVE BEEN DISPUTING THESE INACCURACI FOR 7 MONTHS ....

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 2022-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX days and I have not received any investigation results. This is unacceptable! Please fix 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 2022-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
I have attempted on four occasions to dispute a bankruptcy that is being reported on my credit report. I attempted on the following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and each time the credit bureaus will report that the information on my credit report regarding bankruptcy is accurate and correct. Each time the credit bureaus will not give me evidence that the information is accurate and correct. I am asking that the bankruptcy be deleted because the information is inaccurate and correct. When I contacted the court, I was informed that they did not send any information to any credit bureaus therefore I would like to know where the information come from that is being reported on my credit report.

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 2022-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
I have attempted on four occasions to dispute a bankruptcy that is being reported on my credit report. I attempted on the following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and each time the credit bureaus will report that the information on my credit report regarding bankruptcy is accurate and correct. Each time the credit bureaus will not give me evidence that the information is accurate and correct. I am asking that the bankruptcy be deleted because the information is inaccurate and correct. When I contacted the court, I was informed that they did not send any information to any credit bureaus therefore I would like to know where the information come from that is being reported on my credit report.

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 2022-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rent Recovery Solutions
State: NC

Complaint narrative:
In XXXX of XXXX, I spoke with a representative at Rent Recovery Solutions about their report on my wife and I credit. The report says collections/chargeoff. I have paid the balance off and was told by a representative at the Rent Recovery Solutions that the report will stay on my credit even though I have paid the balance. I then contacted CFPB and they helped me submit a complaint ( # XXXX ) against the company Rent Recovery Solutions XXXX The company responded and said that removing the report from my credit would take a some weeks to process. I contacted Rent Recovery Solutions in XXXX and they said that it takes 90 days to be removed from my credit report starting the day I reported the error to them in XXXX. It is XX/XX/XXXX and it is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After calling into the EQUIFAX service center NUMEROUS times and being disconnected in regards to this subject, NUMEROUS times, I requested that they please remove any and all Fraud Alerts in regards to my credit file per their instructions. 

My contact number has long been outdated and they do not provide any way for me to update it and I can not even talk to my own creditors because of this Alert. 
I asked in writing that they please, remove it as quickly as possible so I may regain positive control with a few of my creditors and get a merchant services account setup for my business. 

I have never been subjected to so much misdirection, erroneous information and lack of customer service in regards to my credit file, from any of the bureaus, as I have with Equifax, making it so difficult to A ) get a hold of someone there and B ) Get anything done in a timely manner. 

Unbelievable they are still allow to access and manipulate. people 's credit file. 
Also, on the business side they have completely misreported my businesses ' credit file by the LACK of reporting my dealings with Vendor but thats a issue for another time. I need them to release my credit fraud alert asap!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Credit reporting, credit repair services, 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 XXXX accounts on my credit report that I do not recognize and did not authorize. I am a victim of identity theft. Below are the accounts : XXXX XX/XX/XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account # : XXXX XXXX  XX/XX/XXXX Account # : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account # : XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Account # : XXXX XXXXXXXX XXXX  XX/XX/XXXX Account # : XXXX XXXX XXXX  XX/XX/XXXX Account # : XXXX XXXX XXXX XXXXXX/XX/XXXX Account # : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account # : XXXX XXXX XXXX XXXX XX/XX/XXXX Account # : XXXX XXXX XXXX XXXX XX/XX/XXXX Account # : XXXX XXXX XXXX  XX/XX/XXXX Account # : XXXX XXXX XXXX  XX/XX/XXXX Account # : 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 2022-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

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 2022-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I received my direct deposit as usual on the XXXX of XXXX. I made a external transfer from my prepaid to my real bank. I called them to see how long transfers take. They told me 2-4 business days. There website also states 2-4 business days. I called back in 2 days because it was still showing pending. They kept telling me they couldnt find my account. So I kept calling after being hung up on. I finally spoke with someone she told me 3-5 days. The same people kept answering the phones but changing there names to somebody elses. I waited the 4th day and called back an she told me it would arrive to me the next day. XXXX  came the XXXX and the XXXX and my transfer was showing still pending. Today is the XXXX its been a whole week since I made my transfer and its still showing pending. This bank is holding my funds for no apparent reason. I received a call from my family stating I need to be there right away because my grandfather is on XXXX XXXX  in the hospital, my phone got cut off, and me and my kids had to stay in a hotel because of this. We got kicked out. My vehicle got repossessed and this bank is putting me through hardship and distressed. I want my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I received a notification that a collection account had been added to my credit report. The company is Convergent Outsourcing, and according to my credit report, the alleged company they are collecting on behalf of is XXXX. Over the past 6 months, this account has appeared on my credit report under several collection companies, including XXXX XXXX and XXXX XXXX XXXX. It appears that these are some sort of junk debt buyers, and each time that I request debt validation they were unable to verify the account as belonging to me and subsequently deleted the accounts from my credit reports. I have contacted XXXX several times regarding this, but apparently this error has not been fixed. I filed a complaint against XXXX with my Attorney General and the FCC on XX/XX/XXXX regarding this matter. Furthermore, as far as this Convergent Outsourcing account listed on my credit report, they have violated the Fair Credit Reporting Act by placing this erroneous, frivolous account on my credit report. I did not receive notice via mail regarding this account before it was placed on my credit report, nor did they provide validation of the account. So again, this is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that Convergent Outsourcing offices provide me with competent evidence that I have any legal obligation to pay them. At this time I will also inform Convergent that if their office continues to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if this negative mark continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and XXXX for the following : Violation of the Fair Debt Collection Practices Act Defamation of Character This is a request for validation made pursuant to the Fair Debt Collection Practices Act.

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 2022-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX AND THE XXXX XXXX breach and may have gotten into the wrong hands.

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 2022-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed with the credit bureaus that inaccurate information reporting on my credit report. I have not heard anything regarding the status of the investigation from the credit bureaus. There is inaccurate reporting on my credit report from the same creditor and I'm unsure why there will be so much inaccuracy from the same creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I am having a continued issues with the Synchrony Bank issued XXXX ( XXXX ). As per the offer extended to me when I opened the account the bank offered XXXX points for each dollar spent after first {$1000.00} spent on XXXX purchases in calendar year. This threshold was met in XXXX of 2021. 
Subsequently in the XXXX of 2021 I spent {$1800.00} resulting in XXXX points still to be credited to the account. When I brought the issue to the bank I was told that the customer service is not authorized to address this issue but to only ask a third party vendor managing the program to issue the points. Synchrony Bank supervisor has given me a number XXXX x XXXX to contact the vendor directly but unfortunately I was then told that the number given was fake and it doesn't deal with XXXX branded cards. In the meanwhile the account with existing XXXX points has been frozen at this level leading me to the conclusion that Synchrony Bank does not want to credit the due points so the points can be redeemed at the lower value as the value redemption goes up after XXXX points level. 
It is utterly unethical and reprehensible that the Synchrony Bank would be cheating consumers in such brazen and shameless way as to not even address it in an honest and comprehensive manner. In my previous communication the Synchrony Bank tactic is to extend the processing time of the issue by requesting more time to address it and then to simply ignore the issue.

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