vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-31 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-01-31 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. the accounts listed below : XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to 15 USC 1681 SECTION 602A. states I have the right to privacy 15 USC 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 7 years. 15 USC 1681 S-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a 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 non-monetary relief
Consumer complaint received 2023-01-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
There was a company-wide mandatory closing of accounts into new accounts with new numbers associated with the institutions new name... etc. During this process there was a DEBIT, CREDIT, then DEBIT, resulting a " double debit '', ( it was not a " XXXX '', or a debit <old -- institution -- new -- >credit ). So this resulted in a unjustified debit or loss of XXXX digits in my account. 

My daughter, has been trying to help me unravel an answer as to why this has happened. We have continued to get less clarity and more complication. with " detail '' Spreadsheets of numbers and transactions, trying to prove that this is all just a " wash ''. I need answers as to this disappearing money.

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 2023-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LD Holdings Group, LLC
State: MD

Complaint narrative:
I mailed Loan Depot a notice of error with my mortgage account and error with reporting me 90 days late to credit bureaus, I also emailed them, talk on phone to there escalations department and attempted to remedy both errors with XXXX  All my attempts failed and im exhausted. I attached my payment history that they sent to me through the XXXX. It clearly shows I was never 90 days late. 



The second error I mailed, emailed and try to get helpful solution and with the assistance of The XXXX XXXX XXXX  was due to a miss mortgage payment in the month of XXXX that I was not notified about until end of XXXX in which caused this compiled effect of miss payments. I am attaching the email from Loan Depot XXXX XXXX XXXX admitting to an error in there system that my month of XX/XX/XXXX payment was recorded as paid due to a glitch in there system. I was notified of this at the end of XXXX and only because I called about my credit report. They could have attached that payment to my recent XXXX XXXX XXXX XXXX that ended in XX/XX/XXXX. This company reps have been very rude and condescending to me. Im asking for them to give me a helpful solution to this payment I was unaware of for 4 months and that they failed to notified me on. Instead I received incorrect 90 day credit report and Notice to XXXX Letters every month because I dont have the means to pay XXXX payment right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

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 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

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 2023-01-31 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: MO

Complaint narrative:
I have attach proof my account statuses for XXXX and XXXX that were never late. XXXX XXXX was paid off result in an overpayment. XXXX XXXX  listed on reports with a balance of {$31000.00} only show a remaining balance of {$1100.00}. XXXX XXXX was resolved after negotiation regarding restricted status. 

I am letting you know you did not have my written consent per 15 U.S. Code 1681b - Permissible purposes of consumer reports. You also need my written consent to report anything outside permissible purpose and by law must send required disclosures before you can report anything to my file. Nothing that is information can report to my file without permission. 15 U.S. Code 1692g - Validation of debts, I am the only one that can validate any of my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I opened a dispute through Synchrony Bank on XX/XX/XXXX, They said it would take unto 60 days to contact Ashley Furniture store to investigate. After the time passed, on XX/XX/XXXX I see a balance due with no letter or notification from Synchrony bank. 

Synchrony has failed to mail or emailed a resolution letter of their investigation that I opened XX/XX/XXXX, XXXX synchrony has failed to do a thorough investigation. if a proper investigation was done synchrony would have realized that Ashley made a mistake, a typo and so they sent me the wrong item, Ashely sent to my HOME Item : XXXX INSTEAD of Item : XXXX. 
I DID NOT authorize or approved for item Item : XXXX to be sent to my home. Cant you not see the typo Ashely made??? On XX/XX/XXXX I filed a dispute with Synchrony bank. I told Synchrony that Ashley store furniture has failed to provide me with the item I had originally purchased. They delivered the wrong item,. I was told by synchrony it would take up to 60 days for a resolution. Since Ashely couldn't get together my order correctly I requested a cancellation of everything ( which was only 1 queen bed and they have failed to cancel. I should not be responsible for an item I didn't purchase or approved. .I went to store located in XXXX XXXX on XX/XX/XXXX. I purchased a bed on display, called XXXX XXXX XXXX XXXX XXXX bed Item : XXXX ( ( which included storage ) as seen on their display model. Instead ASHLEY SENT the WRONG item. I received XXXX XXXX XXXX XXXX XXXX : XXXX. not the Upholstered version. AS you can easily see ASHELY made a mistake, they made a typo on my order, they entered Item : XXXX INSTEAD of Item : XXXX Therefore, I? d like to request a proper reasonable instigation, on said dispute said transaction, I? m terribly dissatisfied with Synchrony handling my case. I should in no way be responsable or pay for item that I didnt order or approve or received. Briefly, I? d like for synchrony to please correct the error on my account promptly. 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 explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Premium Credit Bureau
State: PA

Complaint narrative:
Placed unauthorized inquires on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is in response to complaint XXXX. Experian failed to explain their method of validation for the account that they are claiming to be late. I asked for bank transactions, statements, and all historical information regarding the account and Experian only mailed me that the account was verified. This is impossible because I was never late. This is my second cfpb complaint in which Experian has failed to follow FCRA regulations. As a consumer I am allowed to be provided with the name and documentation on how this account was verified and Experian has failed yet again to follow the law. I will be following up with the BBB to move forward with taking this to small claims court if a real investigation is not conducted, sufficient evidence is not provided, or the late payment removed from my 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 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
So I sent a letter off on XX/XX/2022. Here is my tracking # XXXX, XXXX, XXXX. To remove personal information that I dont not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my my federally protected consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. the accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to 15 USC 1681 SECTION 602A. states I have the right to privacy 15 USC 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 7 years. 15 USC 1681 S-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a 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 non-monetary relief
Consumer complaint received 2023-01-31 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 accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to 15 USC 1681 SECTION 602A. states I have the right to privacy 15 USC 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 7 years. 15 USC 1681 S-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a 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 2023-01-31 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXXXXXX, 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 1666B : 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 2023-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I sent a {$2000.00} payment on XX/XX/XXXX to Commenity Bank  for my XXXX Mastercard that did not post to my account until XX/XX/XXXX. 
I called the company on XX/XX/XXXX and they claimed they never received a payment. I then sent a payment for over {$4000.00} to pay off the card and sent it certified mail. 
The first payment then hit on XX/XX/XXXX, almost a full month after I sent it. 
I then checked my certified mail receipt and found that the company had received it on XX/XX/XXXX. They did not post the payment until the 10th, collecting more interest.

I immediately called and ask for a refund and explained the situation. They said they would issue a refund but it could take up to 15 days. I also said I wanted a refund of the interest charged since they didn't post either when they were received. 
They submitted a investigation and sent me something that said they confirmed it was received on the XXXX  which is not true. At that time they said they would send my refund but it would take another 15 days. 
I spoke with a supervisor, XXXX, just now and it still has not even been issued. I have proof of receipt and they have been holding my {$2000.00} for almost a month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Companies have not complied with Identity Theft laws, procedures, statutes, codes and rules, to block delete remove information within XXXX business days - complaint # XXXX, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XXXX XX/XX/XXXX I transferred XXXX Points on American Express for an offer at XXXX Points making it XXXX Points to their partner airline XXXX XXXX. Using our rewards account number. 

However, the points were not received by XXXX XXXX. 
I raised a ticket with American Express first on XXXX, then by calling the XXXX Department on XXXX XX/XX/XXXX. 

I received no update from American Express within the 10 days they stated it would take for an them to investigate. 

I called back on XXXX XX/XX/XXXX and American Express stated they had closed the ticket as XXXX XXXX had " confirmed '' that the points were credited. 

However, they had not been and I can provide ( and have offered to provide to American Express ) the screenshot of the XXXX XXXX XXXX XXXX 's account to show this. 

I am dealing with XXXX XXXX under separate cover, however American Express have failed to adequately investigate this and I am their customer and the points are part of their reward program. I have had to forcibly ask them to reopen a new investigation and get evidence from XXXX XXXX. There is a new case number as of today below. 

My Complaint is XXXX fold : ( XXXX XXXX American Express has not exercised a reasonable duty of care or appropriate controls to investigate an issue with interstate transfers of reward points that have gone missing, nor kept me updated in any manner. I have XXXX tracking/scanning and no letter has been sent/received ( address is correct ). 

( XXXX ) There is a gap in the terms of service that should a failure occur between American Express and a Reward XXXX they have selected that is not the customer 's fault that there is recourse or ability for the customer to " be made whole ''. This point lost of XXXX is a return economy ticket from New York to XXXX to see elderly parents. That has deprived me of the ability to use the points that the money I have spent using this card, combined with the annual fee I pay for, should provide and is marketed to customers as a benefit. 

I understand technology issues occur, however in this situation there needs to be improvement for customer protection where error occurs between American Express and their vetted rewards partner to avoid a gap in appropriate controls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC
State: MO

Complaint narrative:
This complaint involves ( 2 ) companies, XXXX XXXX and their collection agency, Wakefield Associates. I have disputed this account with both originator ( XXXX XXXX and the assigned collection agency ( Wakefield ). Neither has responded. They are " verifying '' the collection account electronically via XXXX and not provided a comprehensive response. 

I am disputing the account because I never received notification of the debt. 

I have requested validation of the debt via the following : provide method of verification ( MOV ), detailed account statement with dates and corresponding medical codes. Additionally, provide TRUE VERIFICATION, what details were used to verify this account, who did they talk to, what signed documents do they have, and how are you all contacting/communicating ( XXXX  and Wakefield ) XXXX 

I mailed certified letters to both and confirmed that they have received both, but still no response. Tracking information is enclosed.

Company response to consumer: Closed with explanation