vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to bring to your attention the fraudulent personal information linked to my identity. Certain accounts and transactions have been incorrectly associated with me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have promptly reported the incident. It is imperative to address this issue swiftly, given its adverse effects on both my financial well-being and personal reputation. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if necessary, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: IL

Complaint narrative:
I have a bankruptcy that i have disputed for almost 2yrs. I have asked for verification/validation of this and the bureau has yet to respond with the information. It is incorrect information and they are still reporting the inaccurate information with no proof of whom they spoke with and the phone number of said person as well as the Date and Time they spoke with them So that i can follow up with that person on this matter.

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 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: AXOS FINANCIAL, INC.
State: MD

Complaint narrative:
I have requested Axos bank to close my account months ago but still got a statement now. I called the bank several months ago to close my account and was told my accounts were closed, but they still sending me bills. 

It is abusing my information and not fulfilling their responsibility to delete my personal data upon requests. I called the bank again and was told that they would close my account- but i was told that months ago too!!! 

this is about account that seems im never able to close!!! plus the bank insists on keeping all my personal data for two years after repeatedly requesting to relate all my personal data! 

I was pretty much duped into opening an account by AXOS marketing info which had fine print that cheated users like me. Once I found out their supposed offer of reward comes with ridiculous terms i asked to close my account and its still not closed!!!! 

Please dont open an account with AXOS bank - dont do it!! you would be harassed from then forever by this institution!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I pay minimum promotional payments every month 6 month no interest if you pay minimum payments. If any other purchases are made you have to pay that payment. My minimum payment is {$30.00} I regularly pay more than that monthly. Example. {$30.00} {$30.00} {$50.00} {$50.00} etc. All payments after the minimum are supposed to satisfy any purchase made. I don't purchase much. Synchrony did not allocate my payments even though I overpaid monthly and allowed interest to accrue. I asked for the payments to be reapplied as they were misapplied and was told no. I asked for refund of overpayments and was told no.They let the balance roll over for month and charge interest. I called often to make sure payments went through. Synchrony did split a {$50.00} payment they took {$30.00} for the minimum payment and {$20.00} for the new purchased balance. There is no way to allocate funds when making a payment. All you can do is call. There is no receipt or way to tell how payments are being allocated. Customer service will tell you you owe {$69.00} bucks you make the payment and then accrue interest. Its a scam. I only owe {$30.00} minimum payment I paid {$200.00} some months when I didnt have to pay that much. They put the money towards the promotion and let any small purchases accrue interest. These are bad business practices. Several statements went by before interest was added to the account. I asked them to provide any of my conversations and how my payments were allocated and they refused to provide the information. I have zero balances on all my credit cards and a fairly high credit score. This should be stopped.

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 2024-06-09 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: IL

Complaint narrative:
I have a bankruptcy that i have disputed for almost 2yrs. I have asked for verification/validation of this and the bureau has yet to respond with the information. It is incorrect information and they are still reporting the inaccurate information with no proof of whom they spoke with and the phone number of said person as well as the Date and Time they spoke with them So that i can follow up with that person on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: IL

Complaint narrative:
I have a bankruptcy that i have disputed for almost 2yrs. I have asked for verification/validation of this and the bureau has yet to respond with the information. It is incorrect information and they are still reporting the inaccurate information with no proof of whom they spoke with and the phone number of said person as well as the Date and Time they spoke with them So that i can follow up with that person on this matter.

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 2024-06-09 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: TD BANK US HOLDING COMPANY
State: IN

Complaint narrative:
I noticed an online fraudulent charge on my credit card from XXXX for {$70.00} on XX/XX/XXXX. I did not authorize this charge. I notified TDBank on XX/XX/XXXX using their online " secure message '' application. I received an online automated response indicating that TDBank received the message. I sent XXXX follow-up messages on XX/XX/XXXX and XX/XX/XXXX. None of TDBank 's responses addressed the {$70.00} fraudulent charge. On XX/XX/XXXX I sent a letter to the address as directed for error resolution on the back of my credit card statement. I sent a follow-up letter on XX/XX/XXXX. This charge of {$70.00} is the only charge on this account and I have requested that all late charges and interest also be removed from my account. 

I have not received any response to these letters whatsoever.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. I understand that, according to the Fair Credit Reporting Act, Section 611 of the FCRA, you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that, under the FCRA, 15 U.S.C. & 1681i, every single one - even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and/or unverified aspects of any alleged derogatory accounts- must be promptly negated in its entirety, or the alleged accounts must be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts, or provide testimony and certification that you are adhering to mandated XXXX  XXXX XXXX formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and/or standards, and must be removed immediately.

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 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I have incorrect addresses and names on my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these addresses and name from my report, they are hurting my ability to obtain 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 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I RECEIVED   HARDSHIP PROGRAM MADE PAYMENTS ON TIME BUT HEY STILL REPORT ME AS 30 DAYS 60DAYS AND 90 DAYS LATE WHEN I MADE MY HARDSHIP PAYMENTS ON TIME 

THE COMPANY IS 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 2024-06-09 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: CA

Complaint narrative:
Experian XXXX XXXX and XXXX are disingenuous Additionally, XXXX entrepreneurs ' credit requests are XXXX times less likely to be approved than white entrepreneurs. These statistics underscore the persistent economic disparities. However, entities like Experian, XXXX, and XXXX are disingenuous in their practices. Despite having a FICO score of XXXX, Experian still required more information from me, such as my Social Security number and pay stubs. This kind of behavior undermines trust and adds unnecessary hurdles for individuals who are already facing economic disparities. It highlights a systemic issue of racism within the credit industry, where algorithmic biases can perpetuate discrimination against marginalized groups like XXXX. And that's what they're doing : lying.

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 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Hello, I am having issues with the credit buraue and false information repaorting on my credit. I have been sending latters since the begining of this year and no one has helped me. I recently applied for a hoem and was denied due to my credit report. 

I have attached the letters I have been sending,

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 2024-06-09 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: PA

Complaint narrative:
I am writing about an error on my credit report that needs to be updated asap. Upon reviewing my credit report, I discovered that there is a late payment reported for XX/XX/2023 from my XXXX  credit card account. This late payment is inaccurate and I reached out to the company directly to resolve this. 

I am attaching the letter from XXXX  credit card services, affirming that the reported late payment for XX/XX/2023 is to be updated to reflect as on time. This document provides clear evidence that the late payment was either a mistake or an oversight and should not reflect negatively on my credit history. 

As a responsible consumer, I take great care to ensure that my financial obligations are met in a timely manner. Therefore, it is imperative that this discrepancy be addressed promptly to avoid any unwarranted damage to my credit score and financial reputation.

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 2024-06-09 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act these creditors have violated my rights. 
Under 15 USC 1681 section 602 it states I have the right to privacy.

15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX, XXXX AND TRANSUNION and multiple creditors have reported late payments and they are as follows : XXXX. XXXX XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX These are accounts that I have not given XXXX, XXXX AND TRANSUNION my written instruction to report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-06-09 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act these creditors have violated my rights. 
Under 15 USC 1681 section 602 it states I have the right to privacy.

15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX, EQUIFAX AND XXXX and multiple creditors have reported late payments and they are as follows : XXXX. XXXX XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX These are accounts that I have not given XXXX, EQUIFAX AND XXXX my written instruction to report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 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: DISCOVER BANK
State: PA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. I understand that, according to the Fair Credit Reporting Act, Section 611 of the FCRA, you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that, under the FCRA, 15 U.S.C. & 1681i, every single one - even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and/or unverified aspects of any alleged derogatory accounts- must be promptly negated in its entirety, or the alleged accounts must be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts, or provide testimony and certification that you are adhering to mandated XXXX  XXXX XXXX formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and/or standards, and must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. I understand that, according to the Fair Credit Reporting Act, Section 611 of the FCRA, you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that, under the FCRA, 15 U.S.C. & 1681i, every single one - even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and/or unverified aspects of any alleged derogatory accounts- must be promptly negated in its entirety, or the alleged accounts must be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts, or provide testimony and certification that you are adhering to mandated XXXX  XXXX XXXX formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and/or standards, and must be removed immediately.

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