vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-16 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: FL

Complaint narrative:
I have tried to contact Equifax several times to have an account removed from my credit report that contains many inaccurate information. They continue to claim that the information has been verified or updated. I reached out to the original creditor and they stated that they did not supply nor verify the inaccurate information listed. The same item appeared on XXXX with different inaccurate information and XXXX deleted and blocked the item. I would like Equifax to do the same. I have attached my drivers license and social security card for identification verification purposes. I have also attached a copy of the item on my credit report with the inaccurate information highlighted. As well as the letter submitted to Equifax. I would like for Equifax to remove this item from my report and send me the proof immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-08-16 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I have 7 credit card accounts with Synchrony Bank. They have begun charging me a junk fee of {$1.00} per month to mail me a paper statement. The bank is showing net earnings of {$640.00} XXXXXXXX XXXX XXXX. They can send paper marketing material via US Mail but then charge me to produce and send a monthly paper document reconciliation of my account? This is corporate thievery and I can not believe the US Government allows this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: FL

Complaint narrative:
I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and addresses I do not recognize are continued here. 
XXXXXX/XX/XXXXXXXX XX/XX/XXXXXXXX Balance : {$2300.00} XXXX XXXXXX/XX/XXXXXXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXXXXXX XXXX Balance : {$1100.00} XX/XX/XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$300.00} XXXX XXXXXX/XX/XXXXXXXX Balance : {$640.00}XX/XX/XXXXXXXX XXXX ( Original creditor : XXXXXX/XX/XXXXXXXX Balance : {$580.00} XXXX XXXX LL XXXX Balance : {$930.00} XXXX XX/XX/XXXX ( Original creditor : XX/XX/XXXX XXXX Balance : {$870.00} XX/XX/XXXX ( Original creditor : XX/XX/XXXXXXXX Balance : {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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:
I have sent a dispute to this company in XXXX and in XXXX and received no response from the credit bureau. I contacted some of these companies directly and they have removed the account off my credit report and closed the accounts that do not belong to me. I sent this information along to the credit bureau and they refuse to remove it off my credit reports. I also sent a dispute back in XXXX all via mail and receive no response or updates from the credit bureau. They are reporting incorrect information that they refuse to remove and this is a violation of my rights.

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 2024-08-16 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: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XX/XX/XXXX, XXXXXXXX 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 2024-08-16 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: TX

Complaint narrative:
My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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: CA

Complaint narrative:
I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 


I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed 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 2024-08-16 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: NJ

Complaint narrative:
I am writing to address a serious concern regarding the handling of my private information. As outlined in the Fair Credit Reporting Act ( 15 USC 1681 ), it is crucial for consumer reporting agencies to handle information with fairness, impartiality, and respect for privacy. Equifax and XXXX are both responsible for ensuring that my private data is managed correctly and securely. 

According to 15 USC 6801, financial institutions have a duty to protect the privacy and confidentiality of their customers information. Since you act as financial institutions in this context, you are required to uphold this standard. Additionally, 15 USC 1681 requires that any consumer report can only be provided based on my explicit written instructions. I have not given my consentneither verbal nor writtenfor any of my information to be shared with third parties. 

Further, under 15 USC 6802 ( b ) ( c ), you must inform me of how I can exercise my right to prevent the disclosure of my nonpublic personal information. However, I have not been given this explanation, which is a clear violation of the law.

Moreover, 15 USC 1681c ( a ) ( 5 ) prohibits the reporting of adverse information that is more than seven years old. Yet, my report includes such outdated information without my authorization. This is unlawful.

Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) states that information must not be reported if it is known or should be known to be inaccurate. I am concerned that Equifax and XXXX are not maintaining the necessary procedures to comply with this requirement, as specified under 15 U.S. Code 1681e.

According to 12 CFR 1016.7, I have the right to opt out of your reporting services at any time. Therefore, I am formally opting out of your reporting services effective immediately. 

Please confirm the receipt of this notice and take prompt action to correct these issues. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
I recently deposited cash funds of XXXX ( received only an amount of {$680.00} ), citizens bank runs a very slow process on dispersing funds I have been waiting for XXXX business days no updates no nothing. Negligence to the fullest extent. The funds are need and this is wrong! The machine was glitchy and was stuck on a loading screen for approximately XXXX min. And spat out a XXXX $ bill. I notified clerks also.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
For three years I have had an Auto Loan from Ally Auto an online company. For the past eight ( 8 ) months I have not been able to access my loan information to make my payment, get a payment history or see my balance. I am forced to pay a processing fee of XXXX each month to pay by phone to a third party payment processing center ( which I do not know is getting applied to my loan ). Each month I am forced to call Ally to try to get this matter fixed. I have spent many, many hours on the phone with customer service only to get the run around. I am told my situation will get escalated to the " triage '' This does not happen. I have had customer service hang up on me. I can not talk to a supervisor, I get put on hold for hours and then the phone on their end get disconnected. I spend a minium of 4-5 hours per month begging for help. I have XXXX  status and I can not take this abuse. It has cause me much stress. This is the 2nd loan with Ally Auto. The first Auto loan was taken over by a credit union and put in previous partners name basically stolen from me with out my signature. I can not take this any longer. I am ready to take legal action on the first loan and the current one. I need help ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/XXXX of XXXX I filed a complaint with the XXXX. I also filed an identity theft report affidavit with the XXXX XXXX XXXX. And my complaint I added attachments of this affidavit and proof of incarceration capital one says that they didnt receive, the proof of incarceration from The XXXX  Complaint. They responded shortly after the complaint through the XXXX  Saying that the complaint was still being investigated and at the same time sent me a letter through the mail On XX/XX/XXXX saying they didnt find any fraud and investigation. Then in XXXX, they sent another response through the XXXX saying the complaint was still being investigated. So I contacted them regarding this confusion and they inform me that they didnt receive my proof incarceration that I had attached to my previous complaint. So I asked them for a way to fax them this proof of XXXX  on XX/XX/XXXX and I did so the same day along with another copy of my identity theft affidavit I contacted capital one again because I didnt receive any verification that they received my fax, and during this Call capital one inform me that XXXX of These Fraudulent accounts were sold to a collection company, XX/XX/XXXX. I asked him why it wasnt in the credit reports with XXXX XXXX and XXXX XXXX? They didnt have an answer for me. I asked him why it wasnt reported to the credit bureaus that they sold this fraud count under my name in XX/XX/XXXX they didnt have an answer for me. I asked him why this frozen account that was sold in XX/XX/XXXX wasnt reported to the XXXX  And they still didnt have an answer for me XXXX being violated, and my information is not only Being used in a fraudulent manner, but also being reported incorrectly and I want these accounts deleted immediately and if not, Im going to take legal action. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I received a hard inquiry on my credit report from XXXX XXXX, I have never applied for a XXXX XXXX card nor have I ever owned one. I reached out to XXXX XXXX and they told me there was nothing they could do for me. The individual attempted to open a credit card and did open a debit card with XXXX XXXX and Bank of America and used that debit card to make XXXX Purchases.

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 2024-08-16 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: TIDEWATER FINANCE COMPANY, INC.
State: IL

Complaint narrative:
The company has been improperly filing on my credit report. Ive reached out for them to stop and the didnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: ME

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2024-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Please reference : COMPLAINT ID # XXXX, SUBMITTED ON : XX/XX/year> and COMPLAINT ID # XXXX SUBMITTED ON : XX/XX/year> My daughter and I sent an endorsed check to Freedom Mortgage Loss Draft Department XXXX XXXX XXXX XXXX on XX/XX/XXXX @ XXXX. Much like the previous issues referenced, Freedom Mortgage is once again purposely holding our final insurance check and not releasing it as directed. 
This check has been reissued 3 times, originally sent as final ordinance/law/depreciation payment recovery. XXXX completed an inspection after our final roof repair and released the funds held in Escrow upon said inspection 's confirmation of over 95 %. 
We called to check-in on the status of the check being returned, endorsed, to us on XX/XX/XXXX. We were told that it was processed and showed waiting for final verification. It was confirmed that nothing else was needed, they noted the over 95 % inspection and stated it's a XXXX day process and it would be sent with the pre-paid overnight label we included. 
Today, XX/XX/year> we spent an hour and XXXX waiting to speak to someone. When a representative finally answered we were told an email was sent yesterday, requesting an updated adjusters report. Then he corrected and said it went to XXXX XXXX, after I stated no email was sent to us. We spent XXXX trying to clear up this nonsense. We requested to speak with the person reviewing and holding up releasing my funds and were told that department can not be reached by phone. 
Again, I am caught in Freedom Mortgages inept handling of our account. One hand never knows what the other is doing and apparently they don't talk to the other either. 
The fact that they don't bother to check the paperwork already in their possession, resulting in a needless drawn out recovery process is pure negligence. They have been in possession of the report. It clearly shows the breakdown of payments and the Replacement cost/Depreciation amount of {$7300.00} AND the XXXX and XXXX amount of XXXX. Anybody can add those amounts on a calculator and come up with the amount the check is for, {$13000.00}.

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 2024-08-16 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: TX

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 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 2024-08-16 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: FL

Complaint narrative:
I have tried several times to dispute an item on my credit report with TransUnion. This has been unsuccessful. Ive also reached out to XXXX XXXX XXXX XXXX also. I have been battling XXXX, XXXX, and XXXX throughout the years which has made it even more difficult to resolve this matter. The XXXX XXXX XXXX XXXX account on my report contains inaccurate and unverifiable information. I contacted XXXX XXXX again recently to get this information corrected. TransUnion stated they verified that the information was accurate with XXXX XXXX XXXX XXXX. XXXX XXXX confirmed that they did not receive any communication from TransUnion to verify the accounts accuracy. The account number is listed as inaccurate, the date opened is inaccurate, the high credit is inaccurate, the date of last active is inaccurate, and the date of last payment is inaccurate. TransUnion has different information being reported than XXXX. The informal XXXX has reported is also inaccurate. I have attached the dispute letter that Ive sent to TransUnion. I have also attached a copy of my drivers license and social security number for identity verification purposes. A printout from my credit report is also included. I am requesting that TransUnion delete and block this item from reappearing on my credit report as the information is inaccurate and unverifiable.

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 2024-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
Harrasment! XXXX XXXX at XXXX XXXX XXXX as well does not do his job, i sent him proof because i got XXXX and only went to the gym like 2 times for 10 minutes! XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX manager email is XXXX // XXXX ( XXXX ) XXXX he is not doing his job properly. I spoke to his employee in 2 ocassions since may and she spoke to him and told me he said that he will check out the email. Never called me or responded. Very immature and irresponsible! XXXX XXXX! I told him I have XXXX and was not cleared by my doctor to work out. That was in XXXX and also in XXXX!!! That is an act of discrimination because I XXXX XXXXXXXX limiting me from working out or using stair master or treadmill and this is causing so much emotional turmoil as well as this company now harrasing me and threatening me to pay before it goes to collections! From Aldous & Associates XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation