vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-12 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: CA

Complaint narrative:
XXXX XXXX XXXX, XXXX, XX/XX/scrub>XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a COLLECTIONS ACCOUNT opened by XXXX XXXX XXXX on XXXX under the account number ( XXXX ), an collection originally owned by XXXX XXXX and sold to XXXX XXXX XXXX This accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned accounts, or collections as reported. The aforementioned accounts, and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account, and collection are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( FTC Report Number : XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, and collections are the result of identity theft and fraud. 

Furthermore the collection company has made false reported attempts to actually investigate the original account. that in case was opened while i was incarcerated please see attached document proving me being incapable of opening the original account therefore invalidating their collection account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 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: TX

Complaint narrative:
I hope this message finds you well. I am writing to follow up on my previous request for assistance. As mentioned earlier, I have already provided all the necessary documents to address the issue regarding the item that does not belong 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 non-monetary relief
Consumer complaint received 2024-07-12 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
Apple purchase We never install XXXX and charge Apple Card XXXX XXXX. We reported but apple never accept refund or fraudulent charge with XXXX. I want this charge cancel but failed to cancel and say to pay I cant pay XXXX because me and my family cant purchase anything I want to cancel my XXXX account who make or purchase is not for us

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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:
XXXX XXXX XXXX XXXX XXXX XXXX werent opened by me. I was able to request a free copy of my report & notice the following account were reporting on my history. I am not aware as of yet who would open an account in my name without any authority given to have the rights to open these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX - {$1100.00} Needs Attention Overview You have 100 % left to pay on this collection. 

Balance {$1100.00} Highest Balance {$1100.00} Opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account status Open Type Derogatory Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX XXXX XXXX  Closed No Info See an error? 
SEE AN ERROR? 
If there's an error on your report, you can submit a dispute. 

DISPUTE AT TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2024-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
Dear Synchrony and Verizon, I appreciate your recent communication regarding the resolution of the rewards issue on my account. However, I regret to inform you that the promised rewards are still not linked to my account, and my current rewards balance remains at {$0.00}. Additionally, I am unable to log in where it says " already a cardholder '' it simply refreshes the page and won't let me access my account to see or use rewards. Furthermore, my app shows {$0.00} rewards available on my phone. 

This situation has been particularly disappointing as I had previously addressed this issue with both Synchrony Bank and the Consumer Protection Bureau. Synchrony Bank assured me that the issue would be rectified, yet it appears that the problem persists. 

On XXXX XXXX XXXX, I received a letter confirming that the rewards would be retroactively applied and reflected on my XXXX XXXX  statement. Unfortunately, this has not happened.

I have taken the time once again to gather and upload all relevant documentation to aid in the resolution of this matter. I respectfully request that you investigate this issue thoroughly to ensure that the promised rewards are accurately credited to my account and that future transactions are appropriately rewarded. 

Compliance and customer satisfaction are crucial, and I hope that this matter can be resolved promptly to avoid further escalation. Thank you for your attention to this issue, and I look forward to your swift resolution. 

Best regards,

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 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have called numerous of times and sent dispute letters asking them to remove addresses that doesn't belong to me & nothing has changed. their violating my privacy, I included bills for verification

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 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: GA

Complaint narrative:
I've submitted consumer statutes between XX/XX/XXXX and XX/XX/XXXX showing that XXXX does not have and has not ever had written consent to furnish personally identifiable information within my credit report. However, these loans are continually being reported within my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 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: GA

Complaint narrative:
I've submitted consumer statutes between XX/XX/XXXX and XX/XX/XXXX showing that XXXX does not have and has not ever had written consent to furnish personally identifiable information within my credit report. However, these loans are continually being reported within my consumer reports.

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 2024-07-12 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: WV

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America claims that I " jointly owned '' a closed account at their bank but will not furnish information to prove such. This account has harmed my credit. I have requested access to and/or proof of ownership both in writing and verbally XXXX  occasions but they refuse to comply. I have requested this information from XXXX  different associates. 
According to their own policies I am entitled to this information. 
One should not have to go to 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 2024-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc
State: CA

Complaint narrative:
I received a series of emails indicating that an account had been opened on Chime. The email address is a very old one that I never use. I never opened any account, but in order to report it the company says they have to verify my identity with personal information, which I will not do. They indicated that a debit card would be sent to me, and indeed I received it today XX/XX/24, It included a mail back coupon to have direct deposit set up with XXXX XXXX, which is tied to Chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: GA

Complaint narrative:
My account with ( XXXX XXXX XXXX, XXXX XXXX XXXX  ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 ( XXXX  REPORTING LATE ) 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 XXXX  days before the payment due date. 


( XXXX XXXX XXXX, XXXX XXXX XXXX  ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 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 2024-07-12 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: GA

Complaint narrative:
My account with ( XXXX XXXX XXXX, XXXX XXXX XXXX  ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 ( XXXX  REPORTING LATE ) 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 XXXX  days before the payment due date. 


( XXXX XXXX XXXX, XXXX XXXX XXXX  ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 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 2024-07-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Special Financing Company, LLC
State: PA

Complaint narrative:
On XX/XX/XXXX I hired a XXXX lawyer to help me Solve a XXXX  matter and he charged me a fee that was place in a XXXX institute as a loan. 
However, The Lawyer didnt serve my best interests and he was terminated on XX/XX/XXXX due to his lack of legal representation in my case and I myself had to resolve this matter with the XXXX without his legal expertise. 

As of today XX/XX/XXXX this bill was not adjusted or terminated with the termination of service from the attorney at this time Im not requesting a refund for money I had paid already but Im requesting that this Loan to annul and terminate with termination of attorney XXXX XXXX services do to improper legal representation under XXXX 's Unfair Trade Practices and Consumer Protection Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: CrossCountry Mortgage LLC
State: HI

Complaint narrative:
I have a mortgage for a home I own in XXXX. I have never made any late payments and I have never missed a payment. Back in XX/XX/XXXX I ran into some financial issues because I could not work due to my health. I reached out to my mortgage company to ask if they had anyway to help during times of financial hardship. They said I could apply for a forbearance. I applied and they gave me a XXXX  month forbearance. Meaning that from XXXX XXXX XXXX I would not have to pay my XXXX  mortgage. I followed all the steps of the forbearance plan and I started making my mortgage payments again on XX/XX/XXXX and the amount of the mortgage payments from XXXX XXXX XXXX were added to the end of my loan. Over the past XXXX  months I have spoke with several representatives from my mortgage company who assured me that this plan would not negatively affect my credit. Even though I was following an approved plan from my mortgage company, I found out that in XXXX my mortgage submitted to all XXXX credit bureaus that I was delinquent on my mortgage over XXXX  days and my credit score dropped by XXXX points in XXXX  day. I was shocked and alarmed that my mortgage company reported to the credit bureaus that I was delinquent when I had never missed XXXX payment and I never had any late payments either and I had been on a forbearance plan for XXXX months that was approved. I called the mortgage company and spoke with XXXX  different people who apologize and created a case that they said they were going to look into. They said that they would fix the problem with my credit and the credit bureaus. I also submitted a dispute with each Credit Bureau they said it would take about XXXX  days and I waited and then I received a letter from my mortgage company saying they responded to all XXXX credit bureaus. I went online and looked at the credit bureaus, and they still told the credit bureaus that I was delinquent and that nothing was changed. I talked to me XXXX or XXXX people on the phone that day from the mortgage company and everyone said they didnt know what to do and I saw that I have a dedicated loan specialist named XXXX XXXX and so I requested a call back from my dedicated Loan Specialist to get this figured out. I spoke with him on XX/XX/XXXX via phone and he said that even though I was on the approved forebareancd plan there was nothing that could be done about my credit. He was extremely unhelpful. He did not help me at all. He said there was nothing he could do for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 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: SC

Complaint narrative:
Re : Fraud Block Request Declined - Document Submitted Not Acceptable We received the fraud block request you recently sent to Equifax. 
Equifax takes cases of identity theft very seriously and investigates all such allegations thoroughly. However, we are unable to block the information you have identified because the document submitted does not appear to be a copy of an official, valid identity theft report. 
Examples of acceptable documents include : - A signed and official report filed with a Federal, state, or local law enforcement agency, the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information - An electronic Identity Theft Report filed online with the XXXX  at XXXX - A XXXX. XXXX XXXX XXXX Report I sent in a valid identity theft report that was filed online with the XXXX. You sent me back a generic response saying the accounts were verified and another saying the information above that the complaint was official. This is my XXXX  and XXXX attempt and submitting this official electronic identity theft report. This time Ive included screenshots from the official government site, as well as the corresponding emails that Ive received after submission of the complaints. 

This CFPB complaint has been led to request according to FCRA 605B ( 15 USC 1681c2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX  days of receiving this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Berlin-Wheeler, Inc. (Kansas)
State: AZ

Complaint narrative:
The XXXX is paid in full, all attempts to remove via disputes through XXXX, XXXX etc. have been denied. I have not relinquished my rights, titles, or interests to BERLIN WHEELER, and there is no existing contract between me and BERLIN WHEELER. I have requested from Berlin Wheeler on XXXX  occcasions my rights, titles, and interests solely between myself and Berlin Wheeler. I request that, unless the DEBT COLLECTOR can provide the contract demonstrating my transfer of rights, titles, and interest to them, they remove it from my credit report. I am specifically asking the DEBT COLLECTOR to produce the contract solely between them and me, wherein I signed over my rights, titles, and interest.

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 2024-07-12 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: NC

Complaint narrative:
I have submitted a report to the XXXX regarding the unauthorized credit inquiries, which are a clear violation of my consumer rights. 
I have disputed these inquiries with TransUnion, providing evidence and documentation to support my claim that I did not authorize these inquiries and that they are inaccurately listed on my credit report. 
Despite these actions and the clear provisions of the FCRA, TransUnion has failed to remove the unauthorized credit inquiries from my credit report, stating that they are accurate. This response is not in compliance with the FCRA, and it undermines the protection of my consumer rights. 

I am writing to request that TransUnion takes immediate and corrective action to address this issue in compliancewiththeFCRA. I am the primary consumer of the complaint and there is no XXXX  party involved. This complaint was not submitted in error. Attached you will also find my XXXX as proofofmyidentity and my Proof of Address.

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