vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-05 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: GA

Complaint narrative:
I am writing to formally request the blocking and deletion of unauthorized accounts and inquiries on my credit file. I am a victim of a data breach, and under FCRA 605 ( b ) and 15 USC 1681c-2 ( a ), I am exercising my right to have these fraudulent items permanently removed from my credit report. 
The following accounts were not opened by me and should be immediately blocked and deleted 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 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 XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

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 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement XXXX  days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

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 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

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 2024-11-05 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:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that 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 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My XXXX XXXX XXXX card went into debt due to natural disasters like Covid 19 i lost my job, house, car, money and everything and experienced homeless. I was now able to pay my XXXX store credit card off in a settlement in XXXX and they promise me to delete it off my credit report in 30 days. So far they havent and it shows negative on my report and we are almost in middle of XXXX. They dont have a direct number for this problem. And XXXX doesnt do business with the debt XXXX no more so they cant even help me even though they sold my debt and stopped working with all debt collecters. I got approved for a new XXXX card account and would like the old account removed because its paid in full

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 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My XXXX XXXX XXXX card went into debt due to natural disasters like Covid 19 i lost my job, house, car, money and everything and experienced homeless. I was now able to pay my XXXX store credit card off in a settlement in XXXX and they promise me to delete it off my credit report in 30 days. So far they havent and it shows negative on my report and we are almost in middle of XXXX. They dont have a direct number for this problem. And XXXX doesnt do business with the debt collectors no more so they cant even help me even though they sold my debt and stopped working with all debt collecters. I got approved for a new XXXX card account and would like the old account removed because its paid in full

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 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: CA

Complaint narrative:
My XXXX XXXX XXXX card went into debt due to natural disasters like Covid 19 i lost my job, house, car, money and everything and experienced homeless. I was now able to pay my XXXX store credit card off in a settlement in XXXX and they promise me to delete it off my credit report in 30 days. So far they havent and it shows negative on my report and we are almost in middle of XXXX. They dont have a direct number for this problem. And XXXX doesnt do business with the debt collectors no more so they cant even help me even though they sold my debt and stopped working with all debt collecters. I got approved for a new XXXX card account and would like the old account removed because its paid in full

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 2024-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Synter Resource Group, LLC.
State: PA

Complaint narrative:
Representative XXXX XXXX ( XXXX, XXXX ) began contacting me in early XXXX about an amount due to XXXX XXXX XXXX. He initially worded his communications to give the impression he worked for XXXX. As such I communicated with him the issue with the billing and offered resolutions. He kept pressing to pay an amount, any amount. 

Once he contacted me via email, it became clear he was with a debt collection service and was not working for XXXX or in a position to address the billing issues with our account. On XX/XX/XXXX I responded to his email in no uncertain terms that I do not feel I owe the debt and requested he stop communicating with me. 

XXXX XXXX did not respond to this message and proceeded to call me again twice on XX/XX/XXXX ( both went unanswered ) and email as well. I once again responded to the email and asked that he not contact me any further. That same day, I called XXXX XXXX back and, after many misleading and confusing statements from him, meant to get me to keep the debt claim open and/or pay amounts to him, I firmly disputed the debt owed and asked him to stop contacting me. 

As of now, I have successfully filed a dispute internally with XXXX to have the billing amounts corrected and they confirmed as much on XX/XX/XXXX. However, I am still receiving emails from XXXX XXXX, which, due to his lack of response to any of my responses, I believe are simply automated at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX XXXX, 2024 I SENT A REQUEST TO ALL THREE BUREAUS ( XXXX, XXXX, TRANSUNION ) requesting an investigation into items i believed were inaccurate. I have not received any response or acknowledgement that the investigation has begun.

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 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX XXXX, 2024 I SENT A REQUEST TO ALL THREE BUREAUS ( XXXX, EQUIFAX, XXXX ) requesting an investigation into items i believed were inaccurate. I have not received any response or acknowledgement that the investigation has begun.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: EGL US, LLC
State: CA

Complaint narrative:
I applied for loan with BMG Money company for XXXX {$.00} XX/XX/XXXX application # XXXX XXXX declined application XXXX times from XX/XX/XXXX up XX/XX/XXXX varying from various miscellaneous reasons such as missing statements filling out fields incorrectly during application process. On XX/XX/XXXX applications XXXX set a penalty for XXXX day wait before opportunity to access the same application. On today XX/XX/XXXX it was acknowledged that the application again met all requirements however their underwriter had made a mistake in verifying my actual income from being XXXX and not being ssa. I was told that upper management of course could not rectify this issue or do anything about it other than to send a message over to there staff team saying hey, that was incorrect. I was apologized to however was not left with any concrete resolution from management by phone, email, or in writing regarding this situation. 
The website and text messages state that reasons for denial for application would clear be outlined in declination letter, however they were not. 
I feel like the company has failed to correct this issue with application and I have also let them know and provided all documentation. I feel that after XXXX applications stating that a denial due to a mistake on there own behalf is unacceptable and is an act of discrimination when they do not take any steps at rectification. 
I feel like any error on a companies part especially in the field of finance and dealing with applicant social securities numbers calls for an immediate flag for rectifying a situation requiring a resolution and lead staff team assurance for fixing the issue at hand and understanding that an apology is a very shallow and undermining act of discrimination because there is no rectification for just cause other saying that to try again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: IL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2024-11-05 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: SC

Complaint narrative:
I have learned that my credit report contains some incorrect information. I am requesting that the three bureaus remove this incorrect information. Such misinformation damages my credibility. If the three bureaus do not take action, I am prepared to file a case against them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: SC

Complaint narrative:
I have learned that my credit report contains some incorrect information. I am requesting that the three bureaus remove this incorrect information. Such misinformation damages my credibility. If the three bureaus do not take action, I am prepared to file a case against them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I did a {$300.00} cash advance on my Capital One credit card in XXXX of 2018. This amount HAS been paid. I am still being charged interest on this cash advance. It looks like I am being charged approximately {$7.00} a month in interest. If that's true then Capital One has made approximately % XXXX in interest on this cash advance. They can't or won't tell me exactly how much has been paid in interest. They can't or won't tell me when the interest charges will stop. This seems to be an extremely high interest rate and it seems like Capital one has MORE than made their money back and then some.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I was scammed by a scammer on XXXX whereby he told me to buy XXXX gift cards then XXXX shall reimburse me XXXX  times as much I spent on XXXX gift cards and I was scammed I asked my financial institution BofA and XXXX XXXX to reverse charges made on my cards to buy XXXX gift cards they refused to reverse charges and XXXX co also refuses to refund my money and I made complaints to fbi ftc as well. Still not get refund for my XXXX gift cards purchase?

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 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 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: TX

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: GA

Complaint narrative:
I am writing to formally request the blocking and deletion of an unauthorized account and inquiries on my credit file. I am a victim of a data breach, and under FCRA 605 ( b ) and 15 USC 1681c-2 ( a ), I am exercising my right to have these fraudulent items permanently removed from my credit report. 
The following account was not opened by me and should be immediately blocked and deleted : XXXX. XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} Additionally, I request the removal of the following unauthorized inquiries : XXXX. XXXX  - Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX, XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have closed a credit card account ( XXXX Credit Card by XXXX XXXX XXXX XXXX ) in XX/XX/XXXX after paying off all the remaining balance before the statement due date. 
I never had any late payment with the account since opening in XX/XX/XXXX. I thought I closed the account for good without any future issues. 
However, in XX/XX/XXXX XXXX reported to all credit rating agencies that I was late over 30 days on " trailing interest charge '' of {$63.00} which I did not see on the last statement but I promptly paid anyway in hope XXXX would delete the late payment record. 
As a result, my FICO score went down by XXXX point from XXXX along with other credit agency scores. This XXXX late payment is the only negative spot on my otherwise spotless credit report on all my over 10 accounts in the last 20 years. 
I've made all the payments for the XXXX Credit card in accordance with the monthly statement before closing it. I am now in extreme difficulty getting a credit or any other critical loan for my living.

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 2024-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with explanation