vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-18 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: WI

Complaint narrative:
My Lowes credit card was closed as of yesterday. I received a letter stating they pulled a XXXX XXXX report and my score had dropped from the XXXX to XXXX and I now have multiple delinquencies and late payments. When I called to question this, I was told it would have to be resolved with XXXX XXXX and given no other option to have my account re-opened or pull the credit report again. I called XXXX XXXX. They are mailing me a letter with my credit report as they could not give me a number over the phone, but they were able to tell me that what lowes sent me about my credit report is not correct. I was instructed to call them back. I called Lowes again and was not offered any resolution. Only after I complained did I get an option of filing a dispute, but was told now that the card is closed they would not be able to open it back up even if I am correct about their error. I do not believe a dispute was filed as the rep on the phone did not give me any opportunity to answer any type of questions to file it.

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 2024-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: ALLY FINANCIAL INC.
State: MT

Complaint narrative:
The vehicle was repossessed against contract conditions and terms

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: TX

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records 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 2024-10-18 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: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of the Equifax data breach and as a result I'm also a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Thank you. As well as letters were sent to Equifax XXXX XXXX and XXXX Demanding to comply with a method of verification used to verify any of this information that is on my report that is inaccurate with no reasonable or legit answer as of yet so clearly this is all apart of my data being exposed. Because of this blunder of this company I have been unable to purchase a home, I have been denied work and I have tremendously struggled financially trying to fix this problem that WAS NOT caused by me and I demand it be fixed immediately! 

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that all credit reporting agencies block all of the accounts, collections and hard inquires identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this complaint be sent to me via email to the email provided and a new updated credit report be mailed to the address listed on file as current. Please block and delete the following XXXX, XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 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: IL

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of the XXXX data breach and as a result I'm also a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Thank you. As well as letters were sent to XXXX XXXX XXXX and Experian Demanding to comply with a method of verification used to verify any of this information that is on my report that is inaccurate with no reasonable or legit answer as of yet so clearly this is all apart of my data being exposed. Because of this blunder of this company I have been unable to purchase a home, I have been denied work and I have tremendously struggled financially trying to fix this problem that WAS NOT caused by me and I demand it be fixed immediately! 

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that all credit reporting agencies block all of the accounts, collections and hard inquires identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this complaint be sent to me via email to the email provided and a new updated credit report be mailed to the address listed on file as current. Please block and delete the following 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 2024-10-18 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: VA

Complaint narrative:
Hi, there are items on my credit report that have resulted from fraud to which I never benefitted from. These have been previously deleted but the items keep coming back, I have reported them to the federal trade commission but they are not removed from my 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 2024-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XXXX XXXX dollars - XXXX XXXX - XX/XX/XXXX This is a Bank of America account with about XXXX XXXX dollars, when I call they have no trace of my account and have told me there is nothing they can do about my money. Plz help me recover my money as I will pay you extra once we get the account back. The owner of the account is XXXX XXXX or my other name ( ( XXXX XXXX ) ) XXXX : they did call and hang 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 2024-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK
State: IA

Complaint narrative:
I attempted to get my number updated and became increasingly agitated with each call I had to make. Each rep gave different information and failed to help with my requests. Finally getting so upset halfway through my day still trying to get answers and now a complaint logged with them directly Im having to contact the CFPB. Multiple people did not know their complaint process and said a formal resolution is not provided to the complaintant which forces me to go through CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-18 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: TX

Complaint narrative:
Since XX/XX/XXXX, I have made repeated attemptsby phone, mail, and written responsesto resolve inaccurate information on my credit report with XXXX, TransUnion, and XXXX. Despite my efforts, they continue to report inaccurate details on several accounts. 

One account I have specifically disputed is with XXXX XXXX XXXX. XXXX, for instance, is not reporting any record of my last payment. For the information to be accurate, all aspects of the account must be fully and correctly reflected on my credit report. As of XXXX latest report on XX/XX/XXXX, there is still no update regarding my last payment. In this case, the account should either be updated with accurate information or removed entirely. 

XXXX is similarly reporting inaccuracies on this same account, listing the last payment date as XX/XX/XXXX, with a last report date of XX/XX/XXXX. This information is inconsistent with both XXXX and TransUnion. According to the Fair Credit Reporting Act ( FCRA ), credit reports must reflect 100 % accurate information. Incomplete or inconsistent reporting violates this standard. 

Additionally, there are other accounts on my credit reportsuch as those with XXXX XXXX XXXX XXXX XXXX XXXX XXXXthat are also inaccurately reported across all three credit bureaus. I have contacted XXXX, TransUnion, and XXXX multiple times since XX/XX/XXXX to request thorough re-investigations into the accuracy of these accounts. Unfortunately, none of the bureaus have taken the appropriate steps to address these issues. 

These reporting inaccuracies are negatively impacting my financial well-being. The failure of all three credit bureaus to adequately investigate and correct these discrepancies is a direct violation of my legal rights under the FCRA. This negligence on their part not only undermines my financial standing but also demonstrates a broader pattern of disregard for consumers in similar situations. I demand immediate attention and correction of these inaccuracies.

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 2024-10-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Interest rate
Company: Figure Technologies, Inc
State: CA

Complaint narrative:
I got a heloc from Figure Lending. 
I have been paying for over a year now. 
When I looked recently my principle has stayed the same. 
My monthly payment is XXXX. Dollars. 
When I asked them why my principle has not gone down they told me the only way is to make extra payments because the XXXX a month only covers the interest. 
That's extreme. 
The original loan amount was XXXX. 
The current ballance is still XXXX. 
About 18 months of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: MO

Complaint narrative:
XXXX to XXXX I have made a complaint against TransUnion in reference to XXXX account that was being reporting. I have attempted to invoice since removal and receiving my proof of claim. I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

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 2024-10-18 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am a victim of Identity theft, my information has been used fraudulently and as a result there are items on my credit report that I never was associated with nor benefited from. This is causing me immense XXXX XXXX XXXX XXXX I filed an FTC report as I was instructed to by Equifax and I have sent in this report but these fraudulent items still remain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I reached out requesting that the XXXX Account be removed from my credit file. I reached out to the company and they stated the account was closed. But they put on my credit file that the account is charged off. This is not legal under code 15 USC 1681b ( 2 ), creditors are not to report any negative items with written consent, this is considered identity theft.

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 2024-10-18 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: NJ

Complaint narrative:
I am a victim of Identity theft, my information has been used fraudulently and as a result there are items on my credit report that I never was associated with nor benefited from. This is causing me immense anxiety and XXXX nights, I filed an FTC report as I was instructed to by Experian and I have sent in this report but these fraudulent items still remain.

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 2024-10-18 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: KY

Complaint narrative:
I received a copy of my credit report and found fraudulent information reporting on my credit report. I would like for these items. Be removed off my critter port because it is 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 explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
CREDIT COLLECTION SERVIC XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Reported a debt collection for a third party, that I didnt know what was this debt all bout. They posted on my my credit report. I wanted it deleted. 
Stated it comes from Original Creditor Name : XXXXXXXX XXXX XXXX XXXX. I did not know about this company either. DId not receive any call or letter from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: PA

Complaint narrative:
RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that tXXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$8300.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting 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 non-monetary relief
Consumer complaint received 2024-10-18 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 am writing to report inaccuracies in my credit report that I discovered after an in-depth investigation. These inaccuracies are significantly affecting my credit score and causing me considerable stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I've submitted multiple letters to Experian regarding five accounts. These five accounts in particular are not all on XXXX and XXXX. In fact Experian refuses to remove accounts that they say are quote on quote verified. I asked for their method of verification none was given. A violation. I've also received stall letters and sued Experian in court. I may sue again if this matter isnt deleted. 

XXXXXXXX XXXX XXXX {$850.00} XX/XX/XXXX XXXX. XXXX {$840.00} XX/XX/XXXX XXXX. XXXX {$870.00} XX/XX/XXXX XXXXXXXX XXXX XXXX {$3100.00} XX/XX/XXXX XXXX. XXXX XXXX XXXXXX/XX/XXXX this account is showing a late payment. XXXX is not reporting any late payments. Please have them prove the late payment by showing a copy of their bank statement. That would show exaclty when the payment was made.

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 2024-10-18 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report and found several items there to be inaccurate.

Under the 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : 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 explanation
Consumer complaint received 2024-10-18 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: KY

Complaint narrative:
TransUnion I demand TransUnion provide the original instrument on the underlying obligation from XXXX XXXX XXXX XXXX XXXX XXXX XXXX generally accepted accounting principles for this aleded collection account. 

I demand TransUnion to remove these three hard acquires as I did not authorize them immediately with rapid rescore. 

Hard inquiries XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX I demand XXXX to change the account foXXXX XXXX XXXX from not current on XXXX XXXX, XXXX, XXXX, and change to current as this is a violation of 15 usc 1681 ( a ) ( d ) ( 2 ) ( A ) ( I ) so i demand it be corrected immediately with rapid rescore. 

I demand XXXX to remove this hard, acquire as I did not authorize it immediately with rapid rescore Hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX I demand XXXX remove these hard, acquire as I did not authorize it immediately with rapid rescore Hard inquiries XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I demand XXXX provide the original instrument on the underlying obligation from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  generally accepted accounting principles for this aleded collection account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
Paypal offered a bonus for XXXX reward points if i completed direct deposits in total of {$5000.00}. 

They offered this promotion to me in XXXX ( which I completed ) and again in XXXX this same promotion was shown on my account offers page. 

I completed all requirements for this bonus again and they showed on the rewards page that the offer was tracking as i made the first {$2500.00} deposit and then again it showed completed when I made the second {$2500.00} deposit in the required timeframe. 

I have the screen capture of this attached to this complaint. 

Paypal told me that an account could only receive this promotion 1 time. That language is not show in the terms and the reward was tracking in their system. 

Had I known that I was not " eligible '' for this promotion I would not have direct deposited my funds with Paypal.

Company response to consumer: Closed with explanation