vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-27 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: FL

Complaint narrative:
To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains late payment reported on XX/XX/XXXX for my XXXX account. Id have an excellent repayment record. Ive had a spotless record of on-time payments. The account XXXX XXXX ( Date Opened : XX/XX/XXXX ; Balance : {$3300.00} ) must be reviewed by you. You are reporting me as late for XX/XX/XXXX. I made my payment on time for this month, see attached account statement from XXXX XXXX for XXXX as proof of my payment. Im planning to apply for a mortgage, and its come to my attention that the missed payment on my record could hurt my ability to qualify. In the month of XX/XX/XXXX the payment made on XX/XX/XXXX I thought would be applied to my XX/XX/XXXX payment due on XX/XX/XXXX I was advise this payment was not applied to my XXXX payment after further investigation and speaking to multiple representative, also the payment made for XX/XX/XXXX I thought would be applied to XXXX XXXX since payment was also made in advance. This issue only current happening because of the makeup of making payments early. Once issue was explain and advise to me to avoid any further late payments make sure that bill are paid on time on the exact date due to avoid confusion. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment on XX/XX/XXXX. Thank you for your consideration, and I hope youll approve my request. Please remove this late payment from credit report due to issue was not explain correctly by multiple agents I also should not be penalized due to payments were made in advice and was not aware not going towards correct bill date. 



Best, 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 2022-12-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains late payment reported on XX/XX/XXXX for my XXXX account. Id have an excellent repayment record. Ive had a spotless record of on-time payments. The account XXXX XXXX ( Date Opened : XX/XX/XXXX ; Balance : {$3300.00} ) must be reviewed by you. You are reporting me as late for XX/XX/XXXX. I made my payment on time for this month, see attached account statement from XXXX XXXX for XXXX as proof of my payment. Im planning to apply for a mortgage, and its come to my attention that the missed payment on my record could hurt my ability to qualify. In the month of XX/XX/XXXX the payment made on XX/XX/XXXX I thought would be applied to my XX/XX/XXXX payment due on XX/XX/XXXX I was advise this payment was not applied to my XXXX payment after further investigation and speaking to multiple representative, also the payment made for XX/XX/XXXX I thought would be applied to XXXX XXXX since payment was also made in advance. This issue only current happening because of the makeup of making payments early. Once issue was explain and advise to me to avoid any further late payments make sure that bill are paid on time on the exact date due to avoid confusion. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment on XX/XX/XXXX. Thank you for your consideration, and I hope youll approve my request. Please remove this late payment from credit report due to issue was not explain correctly by multiple agents I also should not be penalized due to payments were made in advice and was not aware not going towards correct bill date. 



Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
Hello I have been going back and forth with this company since XXXX I filled a complaint with cfpb in XX/XX/XXXX but never heard back till last week they sent an email that they have sold this debt to a company called XXXX XXXX XXXX XXXX XXXX I tried to contact this XXXX XXXX to tell them not to attempt to report anything on my credit for 2 reasons one is that i have disputed this with affirm from day one and that this has been going on since XXXX which is 8 years they said they still don't have this account i

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My rights has been violated, 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may no treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My rights has been violated, 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may no treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I SENT EACH BEAURU A LETTER WITH ALL MY ACCURATE INFORMATION ON IT NAME ADDRESS PHONE NUMBER JOB I ASKED EACH OF THEM TO UPDATE ALL OF MY INFORMATION AND REMOVE ANYTHING INACCURATE. THEY HAVE FAILED TO DO SO

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 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mercedes Benz Financial Services
State: NJ

Complaint narrative:
In accordance with the fair Credit Reporting Act XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
***3RD ATTEMPT*** It has been over 30 days since my 2nd attempt and I have NOT received ANY correspondence. 

In my previous CFPB complaint, XXXX responded and gave pushback stating that the bank account I used to try and set up auto pay back in XXXX XXXX  and onward was an account that did not belong to me and that it was under a different name. However, this is NOT true. My wife ( XXXX XXXX ) and I are equal owners of this bank account. Please see the attached bank statement & copy of my check book that shows both names as proof. XXXX 's name shows first and mine shows second. We both have equal ownership to this bank account. You can also see that the bank account number in which XXXX rejected ( XXXX ) is the same account number that is on the bank statement & check book. I'm not sure if it's because XXXX 's autopay can only detect the first name listed on the bank account but I am 100 % on the account as an account owner. Therefore, Autopay was rejected for a false reason and this ultimately caused my mortgage to be late when I had full intent to pay and even tried setting up auto pay multiple times. I kindly ask XXXX to rectify the late payments on both my mortgage accounts please. Please look at the rejection letters from XXXX and the bank acct number they rejected due to supposedly not being mine. Then look at the bank acct number on the bank statement and check book. Here you'll see that I, XXXX XXXX, am in fact an owner on the bank account.

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 2022-12-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX**3RD ATTEMPT*** It has been over 30 days since my 2nd attempt and I have NOT received ANY correspondence. 

In my previous CFPB complaint, XXXX responded and gave pushback stating that the bank account I used to try and set up auto pay back in XXXX XXXX  and onward was an account that did not belong to me and that it was under a different name. However, this is NOT true. My wife ( XXXX XXXX ) and I are equal owners of this bank account. Please see the attached bank statement & copy of my check book that shows both names as proof. XXXX 's name shows first and mine shows second. We both have equal ownership to this bank account. You can also see that the bank account number in which XXXX rejected ( XXXX ) is the same account number that is on the bank statement & check book. I'm not sure if it's because XXXX 's autopay can only detect the first name listed on the bank account but I am 100 % on the account as an account owner. Therefore, Autopay was rejected for a false reason and this ultimately caused my mortgage to be late when I had full intent to pay and even tried setting up auto pay multiple times. I kindly ask XXXX to rectify the late payments on both my mortgage accounts please. Please look at the rejection letters from XXXX and the bank acct number they rejected due to supposedly not being mine. Then look at the bank acct number on the bank statement and check book. Here you'll see that I, XXXX XXXX, am in fact an owner on the bank account.

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 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been trying to purchase a home since XX/XX/2021. My lender along with other banks have not been able to obtain my credit report from equifax. There is no block or freeze. Equifax will not provide my score or file to any lender. I have called equifax 5 times over the last 12 months. When I do finally speak to them they tell me I need to verify my identity by sending in a copy of my DL and Social Security card. The representatives at equifax have all told me that a block was out on my credit file by equifax, not me.I have done this 5 times. Once they get the documentation from me they then send me a letter saying my dispute has been resolved. They have done nothing. I recently tried to refinance my vehicle with my credit union. I was denied by them and they sent me a letter stating the reason why is because I do not have a credit file with equifax. No one at equifax seems to understand how to fix my issue. I just need help getting equifax to release my credit file and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
About XXXX  yr ago I had XXXX XXXX take over and pay my bills. I have made every payment but one ( due to moving back to Ohio from Texas ). I was also on a reduced payment d/t Covid and a XXXX XXXX, but continued to make payments every month. 
I had both a Walmart accout ( they sold the account to XXXX XXXXXXXX, who sold the account to Synchrony Bank, ( account ending in. # XXXX, ) XXXX XXXX  has the account listed as Walmart/XXXX  XXXX, but all payments are made to Synchrony Bank and are up to regular agreed upon amount. 
Synchrony bank is also being paid for account ending XXXX listed as Synchrony bank/ Sams and every month the bill has been paid ( proof to follow. When I went with XXXX XXXX the Walmart and Sams account together equaled more than {$7500.00}. And Im down to about {$2000.00} for both accounts, proof to follow. So synchrony bank has listed both accounts as written off. I have contacted them several times and they have told me because I had to make reduced payments they can show it as written off I spoke with XXXX last week. I told him it was false reporting and he said I was wrong. Im a XXXX yo XXXX  and have no record of late payments, BUT WAS DENIED CREDIT D/T Synchrony refusal to show the account as being paid on. 
Now. I have contacted XXXX and they refuse to fix this error and now I cant contact them at all. ( when I call a phone message comes on and asked me for my information which I give and it tells me its incorrect and cuts the phone off. Im printing them. They sent me a copy of the credit report, but refused to upgrade my income, or return dress this problem with synchrony. Please help me fix 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 2022-12-27 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: FL

Complaint narrative:
CFPB + Transunion, The companies below have many inaccuracies on my Transunion credit report : - XXXX  XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX Attached to this complaint are : - My drivers license - My social security card - My mailing address - My dispute letter I am looking to have these credit accounts removed from my Transunion credit report for many blatant inaccuracies they refuse to fix.

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 2022-12-27 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: OK

Complaint narrative:
I have tried mailing and uploading these supporting documents but getting nowhere. Please pass these documents to Experian, XXXX and 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 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I SENT EACH BEAURU A LETTER WITH ALL MY ACCURATE INFORMATION ON IT NAME ADDRESS PHONE NUMBER JOB I ASKED EACH OF THEM TO UPDATE ALL OF MY INFORMATION AND REMOVE ANYTHING INACCURATE. THEY HAVE FAILED TO DO SO

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 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I SENT EACH BEAURU A LETTER WITH ALL MY ACCURATE INFORMATION ON IT NAME ADDRESS PHONE NUMBER JOB I ASKED EACH OF THEM TO UPDATE ALL OF MY INFORMATION AND REMOVE ANYTHING INACCURATE. THEY HAVE FAILED TO DO SO

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have a Bank of America unlimited cash rewards credit card. I am unable to use it after the transaction got declined. I received no fraud alert. I called when I logged into the app. The representative said they couldnt help me and hung up. 

I am traveling overseas. I opened this card. This is XXXX. I cant even make a payment on this card as it wont let me- the app is saying suspicious activity detected review them first.

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 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, 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: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. An account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
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 an 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 or 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 accurate.

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 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
2 BANK OF AMERICA Credit Cards are being reported on my XXXX Credit Report, we are a victim of identity theft.

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