vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-17 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: MOHELA
State: FL

Complaint narrative:
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: CT

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-07-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2023-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The items found within my credit report that I listed on the attached FTC report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts and unauthorized inquiries. All is being investigated by the FTC. Please see the attached report along with the XXXX data breach claim and remove the following accounts and inquiries from 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 2023-07-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The items found within my credit report that I listed on the attached FTC report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts and unauthorized inquiries. All is being investigated by the FTC. Please see the attached report along with the Equifax data breach claim and remove the following accounts and inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2023-07-17 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: CT

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report. I have attached supporting documents that substantiate my claim. Your prompt resolution of this matter is greatly appreciated.

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 2023-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
Opened a checking account with First National Bank on XX/XX/2023 with the promise of reward of {$600.00} credit to my account if I had direct deposit in the amount of {$1500.00} in the first XXXX days and automatically make XXXX car payments with the same account. Both requirements were met and First National Bank only paid {$300.00} to the account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
After viewing my credit report I saw that there were multiple accounts I did not authorize. Nor did I benefit from any transactions listed in this report. These items are from unauthorized use of my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I have been customer of Victoria Secrets for XXXX  years. when i went to pay online it prompted me to reapply. The inquirie needs to be removed. I called VS and spoke to a supervisor by the name of XXXX who said there is nothing they can do and dispute it with my credit bureaus. I am not understanding why they are unable to remove this hard inquiriy since it was there website having issues and i have been a member for XXXX  years. I actuallly had to call in and pay because their system wasnt recognizing me as an existing customer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I am responding to your contact about a debt you are trying to collect. You filed on my credit report on XX/XX/2023, and identified the debt as from CashNetUSA as mine but I haven't received any information regarding this or had the right to dispute. Please supply the information below so that I can be fully informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc.
State: NY

Complaint narrative:
Procollect calls on a daily basis for XXXX XXXX XXXX and XXXX XXXX i have already spoken with them about these accounts but they continue to call daily

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 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
My Bankruptcy case was filed on XX/XX/2017 and is still showing on my credit reports on all 3 Bureaus. I have attached the bankruptcy papers. 

Thank you

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 2023-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2023 XXXX  XXXX XXXX Consumer Reporting Department XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Subject : Cease and Desist Reporting to Consumer Report - Account # XXXX and Account # XXXX Dear Sir/Madam, I am writing to formally request that XXXX XXXX  XXXX cease and desist from reporting the following accounts to my consumer report : Account Number : XXXX Account Number : XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute the accuracy of information being reported to consumer reporting agencies. Upon careful review of my credit report, I have reason to believe that the reporting of these accounts is inaccurate or misleading. 
I am requesting that XXXX  XXXX XXXX refrain from reporting any information related to these accounts to any consumer reporting agency. This includes but is not limited to credit bureaus and any other entities that collect and maintain consumer credit information. 
I expect that XXXX  XXXX XXXX will promptly investigate the accuracy of the information being reported, correct any inaccuracies, and update my credit report accordingly. Until such investigation is completed, I request that you refrain from reporting any further information regarding the mentioned accounts. 
Please provide written confirmation within 10 days of receiving this letter, acknowledging your compliance with this cease and desist request. Failure to comply with this request may result in legal action being taken against XXXX  XXXX XXXX in accordance with the FCRA and other applicable laws. 
Thank you for your attention to this matter. I trust that XXXX  XXXX XXXX will take immediate action to address my concerns and ensure the accuracy of the information being reported. 
Sincerely, 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 2023-07-17 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:
Dear Sir/Madam, I am writing to file a complaint regarding the failure of credit bureaus to update the late payments reported on my XXXX XXXX and XXXX XXXX XXXX. This failure is in direct violation of the Fair Credit Reporting Act ( FCRA ) and its corresponding provisions. 

Under the FCRA, credit reporting agencies are required to accurately report consumers credit information. In this case, I have evidence and documentation showing that late payments were inaccurately reported by the aforementioned creditors. 

I have made every effort to rectify this situation by disputing these late payments with the credit bureaus. However, despite providing the necessary documentation and evidence supporting the corrections, the credit bureaus have failed to update the inaccurate information within the required timeframe. 

This failure not only affects my creditworthiness but also undermines the purpose of the FCRA, which is to ensure fair and accurate reporting. I believe this situation merits investigation and appropriate action to enforce the provisions of the FCRA. 

I kindly request that the Consumer Financial Protection Bureau take immediate action to address this matter and ensure that the credit bureaus promptly update the reporting of late payments on my XXXX XXXX and XXXX XXXX accounts as required by law. It is crucial that my credit report accurately reflects my payment history. 

Thank you for your attention to this complaint. I trust that the Consumer Financial Protection Bureau will thoroughly investigate this matter and take the necessary steps to rectify the credit bureaus noncompliance with the FCRA.

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 2023-07-17 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:
Dear Sir/Madam, I am writing to file a complaint regarding the failure of credit bureaus to update the late payments reported on my XXXX XXXX and XXXX XXXX XXXX. This failure is in direct violation of the Fair Credit Reporting Act ( FCRA ) and its corresponding provisions. 

Under the FCRA, credit reporting agencies are required to accurately report consumers credit information. In this case, I have evidence and documentation showing that late payments were inaccurately reported by the aforementioned creditors. 

I have made every effort to rectify this situation by disputing these late payments with the credit bureaus. However, despite providing the necessary documentation and evidence supporting the corrections, the credit bureaus have failed to update the inaccurate information within the required timeframe. 

This failure not only affects my creditworthiness but also undermines the purpose of the FCRA, which is to ensure fair and accurate reporting. I believe this situation merits investigation and appropriate action to enforce the provisions of the FCRA. 

I kindly request that the Consumer Financial Protection Bureau take immediate action to address this matter and ensure that the credit bureaus promptly update the reporting of late payments on my XXXX XXXX and XXXX XXXX accounts as required by law. It is crucial that my credit report accurately reflects my payment history. 

Thank you for your attention to this complaint. I trust that the Consumer Financial Protection Bureau will thoroughly investigate this matter and take the necessary steps to rectify the credit bureaus noncompliance with the FCRA.

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 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
To Whom It May Concern : XXXX XXXX Capital One Account No : XXXX I have contacted Captial One Credit card services several times about the incorrect reporting of the balance they show I owe. 

The outstanding debt has been paid in full, but it is still showing on my credit report with an open balance of {$820.00}. 

I sent a letter to all three credit reporting agencies with proof the debt has been settled through Capital One 's third-party collecting agency XXXX XXXX XXXX but XXXXXX/XX/XXXX, I received an alert from XXXX showing the credit bureau added a statement to my credit file that reads, description 1 " consumer disputes- reinvestigation in process '' and 2 " amount in high credit is original charge-off amount. '' By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: CO

Complaint narrative:
I am writing to file a formal complaint regarding an account listed on my credit report, which I believe to be inaccurate and unjustified. Despite my previous attempts to address this matter directly with the reporting entity, they have failed to respond or provide any documentation supporting their claim, as required by the Fair Credit Reporting Act ( FCRA ) under Section 609. 


I have made multiple attempts to resolve this issue by sending both mail and email communications to the creditor, requesting validation of the alleged debt in accordance with the provisions of the FCRA. Specifically, on XX/XX/, I sent an email formally requesting proof of the debt in question. Regrettably, despite the considerable time that has passed, I have received no response or acknowledgment from the creditor. 

Under the FCRA, Section 609 ( a ) ( 1 ) ( A ), consumers have the right to request verification of any disputed debt from the reporting entity. Failure to respond to such a request within 30 days of receipt constitutes a violation of this federal law. Furthermore, Section 611 ( a ) ( 5 ) ( A ) of the FCRA mandates the removal of inaccurate or unverifiable information from credit reports.

Given the lack of response and failure to provide any supporting evidence, I believe it is evident that the creditor 's reporting of this debt is erroneous and inaccurate. Therefore, I kindly request your intervention and assistance in addressing this matter promptly.

I kindly request that the Consumer Financial Protection Bureau take the following actions to rectify this situation : Initiate an investigation into the alleged debt and the creditor 's failure to respond to my previous communications as required by law. 
XXXX the creditor to provide me with the requested validation of the debt in question within the statutory time frame. 
Instruct the credit reporting agencies to remove the disputed account from my credit report until such time as the creditor has provided sufficient evidence to substantiate their claim. 
Take appropriate enforcement actions against the creditor for their non-compliance with the FCRA. 
Enclosed with this complaint, please find copies of my previous correspondence to the creditor, including the email dated XX/XX/, as evidence of my attempts to resolve this matter amicably. 

I greatly appreciate your attention to this serious matter and your assistance in helping me rectify the inaccuracies present in my credit report. Please feel free to contact me should you require any further information or documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I have a Ashley Store Card with Synchrony Bank.I have minimum payment of {$36.00} made on XX/XX/XXXX but my payment date on XX/XX/XXXX they charge me a late fee of of {$30.00} with no grace period but waive {$30.00} but still have to pay {$67.00} on XX/XX/XXXX instead paying the minimum.I cant afford to paid the {$67.00} only can paid the minimum so going to charge another late fee where I be in default.Seen to me Synchrony Bank price gouging.This to me illegal seem to me there so be a grace period put in place.Should file a lawsuit.

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 2023-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
They keeping calling me for the last XXXX years and XXXX months from different phone number morning and night repeatable. I'm sick of it the most recent call I have is on XX/XX/XXXX XXXX XXXX. 2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dynamic Recovery Solutions, LLC
State: FL

Complaint narrative:
InXX/XX/XXXX i received notice through my XXXX  app tht my credit score was decreased XXXX points due to a collection and i was furious.i looked at my app and it said ther was a collection from dynamic solutions and i called them to verify the debt and they could not. they said they could not find me in their system on a recorded line. i then said so its safe to say you guys dont have me in there because thats not my debt and the information is incorrect and they said yes. So i called XXXX and disputed it. ALSO NOONE EVER CALLED ME TO TELL ME I HAD A SUPPOSED DEBT OR SEND ME A LETTER ABOUT IT OR TELL ME HOW TO GET RID OF IT EXCEPT THAT THEY WILL HANDLE IT.

Company response to consumer: Closed with explanation