vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-13 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: FL

Complaint narrative:
you are reporting the incorrect balance and credit usages on my credit report. You have XXXX XXXX, experian, XXXX and credit seames reporting inaccurate information which is effecting me from getting a mortage loan. 
I have also paid all XXXX  credit collections on my credit and asking that they are removed off my credit report. 
I have XXXX  credit card reporting XXXX balances and you are reporting incorrect balances

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 2024-05-13 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: AZ

Complaint narrative:
I did not allow fraud alert on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I did not allow fraud alert 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 explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I did not allow fraud alert 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 2024-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION
State: IN

Complaint narrative:
I opened an account with Truist and was able to deposit a small opening balance. I had difficulty creating an online account to manage the account and was informed via email and mail that the account was not opened due to fraud. The letter mentioned that any funds would be returned via check. 

I then received additional mailings suggesting the account was open, as well as additional mailing the account was closed. A couple of months later I was informed via mail that my account statement included a maintenance fee which prompted me to call. I was informed on that call that my account was closed and so nothing could be done and that my balance was sent via mail less the maintenance fee. 

Truist received an interest free loan and then tacked on a fee on top of it for an account they told me was not opened in the first place.

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
Consumer complaint received 2024-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: CA

Complaint narrative:
My son went to the XXXX XXXX at XXXX XXXX and incurred charges with a copay of 15 % of the reimbursement. As is the practoce for some reason in XXXX XXXX XXXX XXXX California hospitals and medical providers attempt to collect more than the coinsurance amount. In this case, the charges were {$10000.00} but the allowed in network charges produced an overall copay of less than {$700.00} divided between the hospital and the XXXX. Both of these were paid. Since then the XXXX  has been trying to collect an additional {$30.00} and the hospital an additional {$250.00} on top of what my insurance paid and the {$700.00} I already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: FL

Complaint narrative:
I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments.

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 2024-05-13 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: IN

Complaint narrative:
I completed a payment deferment package for the month of XXXX and XXXX of XXXX. At the time this was done, I had made a partial payment of {$150.00} and was waiting on an additional of {$300.00} that was mailed. I was advised that this would cover my XX/XX/2024 payment by GM reps. I am now being reported as over 60 days past due and this is not true. I am due for XXXX and as of today I am 30 days past due but no longer. I have been speaking to a manager by the name of XXXX and she's told me twice that the issue was resolved and that the reporting was corrected however this is not the case and I am still showing 60+ days delinquent. I do not want to lose my vehicle for inaccurate reporting. No one has truly corrected the issue of reporting or the amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: MA

Complaint narrative:
I am once again reaching out to address the unresolved dispute that I have previously brought to your attention concerning inaccurate and misleading account. Despite my prior communications, your department has not adequately addressed the concern, and the presence of this account continues to have a detrimental impact on my credit scores.

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 2024-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Please remove the inaccurate accounts being reported 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 explanation
Consumer complaint received 2024-05-13 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: NC

Complaint narrative:
I have requested on numerous occasions to have item removed from all credit bureaus, as this item is over seven years old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 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:
FCRA 605B, I believe, mandates the removal of any incorrect accounts from my credit report. Could you check the documents, please? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates being reported.

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 2024-05-13 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: NY

Complaint narrative:
I am writing this letter in reference to my previous dispute submitted to your agency. I am deeply frustrated by the lack of resolution and your agency 's continuous failure to remove the unapproved and unverified negative items from my credit report. As a responsible consumer, I have diligently monitored my credit history, and I find it incredibly distressing to see my efforts undermined by the persistence of these entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've always made sure that payments on this account are made on time, never allowing them to become overdue. I am unsure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be corrected.

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 2024-05-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These inquiries were made without my consent, and I have no knowledge of them. Please have them removed.

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 2024-05-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Hello, Today XX/XX/2024 I tried opening the savings account from my phone with the opening bonus offer code XXXX which would allow me to earn a bonus on the money that I would be keeping in my account. 
Offer Url - https : //www.capitalone.comXXXX Halfway through the application process, I was asked to verify my identity through id card upload which was failing from the Capital One app. The app asked me to contact Capital One and get in touch with the agent. 

Upon, contacting the bank as directed, my call was transferred multiple times and I was introduced to an employee XXXX, who opened my account without the bonus code. 
Additionally, I was asked by the app to deposit funds, which I did for XXXX XXXX 

The next person XXXX did a quick check and confirmed that the code was not applied and the updates can not be made. This would mean that I would miss out on XXXX $ that I was promised before opening an account. 

I asked them to close the account then, to which they said, the account can not be closed as there is a XXXX $ transaction in progress and I need to wait for it to get through and then request for closure. 

Frustrated by this whole experience, I tried getting in touch with a manager to register a complaint. Eventually, I was connected to XXXX ( emp id XXXX ) and she registered my complaint and gave me this complaint number - XXXX. 

She however did not help provide an email address where I could raise this concern to the customer protection department. 

I strongly feel this is a clear practice of scamming/click-baiting customers into opening an account with Capital One and then not providing bonuses that were promised after 3-6 months. 

I request you to please look into this and help notify Capital one higher-ups of these shady practices. 

Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: FL

Complaint narrative:
I was reviewing my consumer report and noticed some inquiries that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: KEYCORP
State: OH

Complaint narrative:
On XX/XX/XXXX I went to the XXXX XXXX of KeyBank to open a checking account and apply for a credit card. Relationship Mgr/Personal Banker XXXX XXXX XXXX XXXX pointed me in the direction of the KeyBank secured credit card and told me specifically that after 1 year of on time payments it would upgrade to an unsecured card and my deposit would be returned. This information directly influenced my decision to apply for the card. XX/XX/XXXX this card has still not graduated despite on time payments. Keybank still has my deposit and customer service was unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION
State: CA

Complaint narrative:
My son went to the emergency room at XXXXXXXX XXXX and incurred charges with a copay of 15 % of the reimbursement. As is the practoce for some reason in XXXX XXXX XXXX XXXX California hospitals and medical providers attempt to collect more than the coinsurance amount. In this case, the charges were {$10000.00} but the allowed in network charges produced an overall copay of less than {$700.00} divided between the hospital and the physician. Both of these were paid. Since then the physician has been trying to collect an additional {$30.00} and the hospital an additional {$250.00} on top of what my insurance paid and the {$700.00} I already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.

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 2024-05-13 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: GA

Complaint narrative:
I write to bring to your attention a grave discrepancy within the records maintained by your esteemed agencya matter of profound significance that warrants immediate redress. It has come to my attention that an unauthorized bankruptcy filing has been attributed to my name, a grievous error that not only transgresses the bounds of legality but also egregiously violates my constitutonal rights. 

Furthermore, I must draw your attention to additional inaccuracies permeating my credit report. Specifically, the bankruptcy in question was filed a decade ago, rendering its continued presence within my financial dossier wholly unwarranted and patently erroneous. Such discrepancies undermine the integrity of my financial standing and compromise my prospects for future endeavors. 

The inclusion of this unauthorized bankruptcy not only besmirches my reputation but also precipitates significant financial detriment, casting an unjust pall over my creditworthiness. Therefore, I implore your agency to undertake immediate and decisive measures to rectify this egregious oversight. 

I caution that failure to expeditiously adress these concerns will compel me to pursue legal recourse without hesitation. I stand resolute in my commitment to utilize all available legal avenues to seek redress for the damages incurred as a consequence of your agency 's negligent reporting practices. 

In summation, I urge your agency to exercise due diligence in expunging the unauthorized bankruptcy from my record forthwith, thereby safeguarding my financial integrity and forestalling the necessity of protracted legal proceedings.

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 2024-05-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I opened this account with XXXX to fix my daughter 's car and tried to take advantage of the interest free they offered for a XXXX  months period. 
I was on time on my payments except XXXX time when XXXX did not post the payment and charged me the interest, which reluctantly I paid. I asked for the payoff amount on XX/XX/2024, paid it off and I closed the account out of frustration... 

But they kept charging late fees on I don't know what. The account is closed and I did not charge anything since. 

Here are the payments I made ( not sure why they did not include the interest thy unlawfully collected ) : XXXX from Account {$82.00} XXXX from XXXX 's checking {$1700.00} This was the XXXX I asked for and I paid in full and closed the account. 
XXXX from XXXX 's checking {$150.00} XXXX from XXXX 's checking {$100.00} XXXX from XXXX XXXX checking {$150.00} XXXX from XXXX 's checking {$100.00} XXXX from XXXX 's checking {$100.00} XXXX from XXXX 's XXXX {$70.00} XXXX kept sending them messages on their website XXXX the payoff initiated, but they kept sending generic responses XXXX I called them twice, was connected to a foreign individuals with a heavy accent that we could not understand each others... I got nowhere. 

I appreciate your help on the matter. 

Thank you, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-13 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 formally dispute the fraudulent account listed on my credit report, which is negatively impacting my credit score. This account was opened fraudulently and does not belong to me. Despite previous attempts to rectify this issue, the account continues to be erroneously reported on my credit profile, causing significant harm to my financial standing. 

Upon discovering the unauthorized account, I immediately took action to dispute its validity with the respective creditors and reported the incident to the relevant authorities. Despite providing extensive documentation and evidence proving the fraudulent nature of the account, it remains unresolved and continues to detrimentally affect my creditworthiness. 

This inaccurate reporting not only tarnishes my credit history but also undermines my financial integrity. As a responsible consumer, I have diligently upheld my financial obligations, and it is unjust that my creditworthiness is compromised due to fraudulent activities beyond my control.

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