vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: CA

Complaint narrative:
I HAVE ATTACHED PROOF FROM XXXX PROVING THAT I HAVE BEEN A VICTIM OF A DATA BREACH AND VICTIM OF FRAUD AND IDENTITY. THEFT ACCOUNTS WERE OPENED, USING MY NAME AND PRIVATE INFORMATION, AND THESE ACCOUNTS WERE NOT OPEN BY ME AND ARE A RESULT OF IDENTITY, THEFT, AND POWER OF ATTORNEY FRAUD. I DID NOT GIVE THESE COMPANIES, PERMISSIBLE, PURPOSE OR CONSENT, AND I WAS NEVER CONTACTED TO VALIDATE THE ACCURACY OF THESE ACCOUNTS. EXPERIAN, XXXX, XXXX, AND ALONG WITH THE CREDITORS, ARE IN VIOLATION OF FCRA FEDERAL LAW. You may be held liable pursuant to title 15 USC 1681o and Title 15 USC 1681n. Pursuant to FCRA 605B and title 15 USC 1681 c-2 I must demand these accounts to be removed within four business days as permitted by federal law. Please provide me with a purchase agreement and not a copy of a contract. Failure to block and remove the accounts may result in initiation of arbitration or lawsuit against your company.

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 2024-05-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Newport Intermediate Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX, and I am a customer of North Lane. I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) to address the misleading practices and customer service misconduct I have encountered with North Lane. On Monday, XX/XX/year>, I made a {$14.00} ( and some change ) gas purchase using my North Lane prepaid card at XXXX XXXX. Subsequently, a hold was placed on my account, preventing me from accessing my funds. ( Witch is not my grievance ) Upon contacting North Lane, I was given conflicting information about the hold. 
Encountered : I experienced the following issues : Misleading information provided by North Lane representatives regarding their involvement in placing the hold.Failure to acknowledge responsibility for the hold despite evidence in the terms of service agreement.Wasted time and frustration due to conflicting information and lack of transparency.Evidence Provided : I am willing to submit the following evidence : Screenshots of the terms of service agreement highlighting relevant clauses. Request for Action : I request the following actions from the CFPB : Investigation into North Lane 's practices regarding customer service and transparency.Enforcement of regulations to ensure fair treatment of consumers.Compensation for any damages incurred as a result of North Lane 's actions.Conclusion : In conclusion, I urge the CFPB to take action against North Lane to address the misleading practices and customer service misconduct I have experienced. Despite their terms of service clearly stating otherwise, North Lane representatives denied responsibility for the hold on my account, causing unnecessary confusion and inconvenience. I appreciate your attention to this matter and your commitment to protecting consumers ' rights.Contact Information : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I made payments on a consumer payment plan or similar.

Somehow a payment was not applied. 

Now I had XXXX accounts with the bank. 

XXXX payment was {$51.00} the other maybe {$34.00}. 

The {$34.00} somehow was not applied and then the account was charged off. 

I made both payments. 
Now I only have XXXX account and it is inactive and they will not say if payment will restore the 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 2024-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: GA

Complaint narrative:
The scammers created the fake digital wallet address ( XXXX XXXX ), and scammed me to transfer XXXX XXXX in XXXX network from [ Cyrpto.com ] to its fake digital wallet address above. 

XXXX Monday, XX/XX/XXXX at XXXX, XXXX XXXX was sent to its fake digital wallet ( Transaction Hash : XXXX ) -On Wednesday, XX/XX/XXXX at XXXX, XXXX XXXX was sent to its fake digital wallet ( Transaction Hash : XXXX ) -On Thursday, XX/XX/XXXX at XXXX, XXXX XXXX was sent to its fake digital wallet ( Transaction Hash : XXXX ) -On Thursday, XX/XX/XXXX at XXXX, XXXX XXXX was sent to its fake digital wallet ( Transaction Hash : XXXX ) -On Friday XX/XX/XXXX at XXXX, XXXX XXXX was sent to its fake digital wallet ( Transaction Hash : XXXX ) The scammer used this digital wallet to scam me that the new stable coin is being released, and that I should be investing. My question is how [ Crypto.com ] does not provide any spot checker for its consumers to verify whether it is a legit digital wallet. It is against consumers right to know. The [ Crypto.com ] provides all the conveniences in transferring and sending digital coins, yet it does not provide any solutions or preventative methods not to be scammed by scammers. Or [ Crypto.com ] should have ways to reverse the transaction that was involved in fraudulent activities. I notified the [ Crypto.com ] right after the scam in XXXX, and I was told that there is nothing they could do. I recently found about CFPB complaint who can stand for consumers right to be protected and that is why I am submitting a claim again. 

[ Crypto.com ] published the article called [ Crypto Remittance Scams : What They Are and How to Avoid Them ] on XX/XX/XXXX at <XXXX XXXX XXXXXXXX, but it is even a year after the scam occurred. I am disappointed how they were negligent about these scamming incidences for a year until they take an so called action by publishing the article that simply said be careful. It is very unresponsible for this gian big tech company like [ Crypto.com ].

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XXXX days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: NC

Complaint narrative:
how were these accounts verified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  according to 15 U.S.C. 1681 section 604 A section 2. it states a consumer reporting agency can not furnish a account without my written instructions

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 2024-05-06 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: AZ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the predatory lending practices and inaccurate reporting of information by XXXX, a creditor with whom I have a loan agreement. It comes as no surprise to me that XXXX ranks among the top 100 companies with complaints to the CFPB, given my firsthand experiences with their unethical conduct. 

XXXX has consistently reported inaccurate information to all three major credit bureausTransUnion, XXXX, and XXXXregarding late payments on my account. These late payments have been reported inconsistently, with varying information provided to each credit bureau. Despite my repeated attempts to rectify this situation and request validation of the data reported to the credit bureaus, XXXX has failed to provide satisfactory documentation or proof of the reported late payments. 

Moreover, XXXX employees have resorted to harassing tactics, repeatedly calling me after I escalated my concerns to the CEO via email. Despite my legitimate requests for documentation and proof of the reported late payments, these employees have dismissed my inquiries and even claimed that such documentation does not exist. 

For over two years, I have diligently made payments on my loan, yet due to XXXXXXXX XXXX predatory lending practices, the balance has decreased by less than 15 percent of the original finance amount, despite paying {$650.00} per montha significant financial burden for me. Adding insult to injury, XXXX has failed to send regular statements regarding my account, further complicating matters. 

The inaccurate late payments reported by XXXX have severely damaged my credit and financial reputation, making it challenging for me to access credit and financial services. Despite my efforts to resolve this matter with XXXX, they have shown no willingness to rectify the situation or provide me with the necessary documentation. 

Therefore, I implore the Consumer Financial Protection Bureau to intervene and conduct a thorough investigation into XXXXXXXX XXXX predatory lending practices and inaccurate reporting to the credit bureaus. I ask that XXXX be held accountable for their actions and that they are required to provide me with the documentation and proof of the reported late payments as requested. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take appropriate action to address these issues and protect consumers like myself from predatory lending practices and inaccurate credit reporting. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: AZ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the predatory lending practices and inaccurate reporting of information by XXXX, a creditor with whom I have a loan agreement. It comes as no surprise to me that XXXX ranks among the top 100 companies with complaints to the CFPB, given my firsthand experiences with their unethical conduct. 

XXXX has consistently reported inaccurate information to all three major credit XXXX, Equifax, and XXXXregarding late payments on my account. These late payments have been reported inconsistently, with varying information provided to each credit bureau. Despite my repeated attempts to rectify this situation and request validation of the data reported to the credit bureaus, XXXX has failed to provide satisfactory documentation or proof of the reported late payments. 

Moreover, XXXX employees have resorted to harassing tactics, repeatedly calling me after I escalated my concerns to the CEO via email. Despite my legitimate requests for documentation and proof of the reported late payments, these employees have dismissed my inquiries and even claimed that such documentation does not exist. 

For over two years, I have diligently made payments on my loan, yet due to XXXXXXXX XXXX predatory lending practices, the balance has decreased by less than 15 percent of the original finance amount, despite paying {$650.00} per montha significant financial burden for me. Adding insult to injury, XXXX has failed to send regular statements regarding my account, further complicating matters. 

The inaccurate late payments reported by XXXX have severely damaged my credit and financial reputation, making it challenging for me to access credit and financial services. Despite my efforts to resolve this matter with XXXX, they have shown no willingness to rectify the situation or provide me with the necessary documentation. 

Therefore, I implore the Consumer Financial Protection Bureau to intervene and conduct a thorough investigation into XXXXXXXX XXXX predatory lending practices and inaccurate reporting to the credit bureaus. I ask that XXXX be held accountable for their actions and that they are required to provide me with the documentation and proof of the reported late payments as requested. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take appropriate action to address these issues and protect consumers like myself from predatory lending practices and inaccurate credit reporting. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: CA

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
We have the vast majority to get loan current. However they are not will to move the due date 7 days which is needed to meet that amount they are requesting. By not allowing the additional 7 days they add on another month of mortgage which leaves us short to making the full payment and they are not willing to take a partial payment and schedule the remainder for after the 7 days that is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: AZ

Complaint narrative:
I found out that someone had fraudulently opened a Discover Card in my name with a credit line of {$4500.00} on XX/XX/XXXX and within 2 months of activity and non payment, Discover increased the line of credit to XXXX. The credit card was opened using a XXXX XXXX and all subsequent correspondence were addressed to 'said " XXXX XXXX XXXX I never opened this account nor the XXXX XXXX XXXX By the time I noticed this fraud on my credit report, I attempted to call Discover however they said it was already turned over to collections. I contacted the collections company they gave me and called XXXX XXXX XXXX XXXX. They sent me paperwork and I successfully filled it out and sent to them. I called and confirmed receipt of paperwork and then asked for 'verification of debt '. They sent me partial statements however I called back and asked for the original application and the months of statements I was missing. The account was opened on XX/XX/XXXX and I only received XX/XX/XXXX to XX/XX/XXXX. I never opened this account. Instead of sending me the remaining information they presented me with a summons and now I will be engaging my attorney in an attempt to rectify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
My initial call was of a charge-off placed on my credit report. { XXXX XXXX }. After discussing that matter the service representative asked can they assist me with anything else. I informed her that I noticed that criminal history was on my credit report I would like to have it removed. She stated that I would have to send a letter requesting that I have it removed. I became irate and asked her, are you serious? Your company didn't send me a letter asking me permission to put my information on my credit report. And now you are saying I must submit a letter requesting for removal. I don't understand how they can do 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 non-monetary relief