vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Information listed on credit report 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 2024-10-28 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: NC

Complaint narrative:
Information listed on credit report is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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

Company 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 2024-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
I am a victim of identity theft, I have no knowledge of these accounts I seen on my XXXX, XXXX and XXXX XXXX submitted claims with the cfpb in regards to these claims, I filed a police report in XXXX and XXXX regarding some of these same accounts. Please help me I am a XXXX XXXXXXXX XXXX/ Identity Theft Victim. These accounts listed aren't mines, please help me in just now getting on my feet and No one wants to rents to me. Because my score so low and so many derogatory remarks. These accounts are damaging my credibility please help me rectify this situation. 

XXXXXXXX XXXX XXXX  I never had a credit card in my lifXXXX XXXX XXXX XXXX Bridge crest XXXX I never lived in XXXX XXXX I live in XXXX ca. I had to come all the way out here to wait at the location until an officer came to do the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft, I have no knowledge of these accounts I seen on my XXXX, XXXX and XXXX XXXX submitted claims with the cfpb in regards to these claims, I filed a police report in XXXX and XXXX regarding some of these same accounts. Please help me I am a XXXX XXXX XXXX  Identity Theft Victim. These accounts listed aren't mines, please help me in just now getting on my feet and No one wants to rents to me. Because my score so low and so many derogatory remarks. These accounts are damaging my credibility please help me rectify this situation. 

XXXX XXXX ( I never had a credit card in my life ) Commenity bank XXXX XXXX XXXX I never lived in XXXX XXXX I live in XXXX ca. I had to come all the way out here to wait at the location until an officer came to do the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: OK

Complaint narrative:
I made a payment on the XXXX and they re refusing to release the payment. They wont release it till after my statement is due which is going to hurt my credit score.

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 2024-10-28 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I received an AMEX gift card that is worth {$100.00} from my employer and last week ( week of XX/XX/XXXX ), I tried to use it at the gas station, XXXX, and other retail stores in person but it didn't go through. I've tried researching online on how to use it and the general advice is that AMEX gift cards are basically unusable everywhere except a few in person and online stores. I don't want to have to go through a lot of steps to be able to use the value of the card. I would like to just convert this card to cash instead of guessing where it's going to be accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: RoundPoint Mortgage Servicing LLC
State: WA

Complaint narrative:
In XX/XX/year> roundpoint mortgage purchased my loan from XXXX XXXX. 

My payment had already been sent to XXXX so I called Roundpoint and they said they would help track it down. I sent proof of payment and conformation # of the payment. I never received a call back and assumed they had helped sort the issue. Come to find out they never intended to help but rather started charging me late fees. I ended up having to sort it with flagstar and the payment was made. 

Over 2 years I have called over and over again to have these fees removed and have been given nothing but lip service. Even once i was current on payment they keep charging late fees ON MY LATE FEES. I've called over XXXX times and have been told I would get a call back. The late fee of {$57.00} is now {$620.00}. 

This is predatory lending and I am appaled these banks are allowed to do this. I am asking for support. they clearly don't intend to fix it and apparently if they are allowed to do this why would they stop?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
After Hurricane XXXX, around XX/XX/XXXX, I contacted XXXX Comenity XXXX XXXX XXXX Generation Financial to inform them that I would not be able to make my XXXX payment, and I understood that my payment was deferred. Today, XX/XX/XXXX, I called again to request an additional extension due to the ongoing recovery process. The first representative informed me that he could not XXXX any current assistance for the XXXX payment due to assistance being provided previously. I asked what the final date would be to make payments to avoid a negative credit reporting and late fees, and he responded the XXXX which is the due date. I then requested a supervisor and was transferred to XXXX. 

During my next call, I spoke with XXXX, a Senior Account XXXX. She stated that while she could not XXXX an additional extension for XXXX, she could offer a {$15.00} credit, and that the late fee could be up to {$41.00}. When I requested transparent information regarding the late fee, she was unable to provide that, which felt unfair to me the consumer and deceptive in nature. 

I then asked to speak to her supervisor. XXXX told me to hold on and then disconnected the call without returning to me, even though I had provided my contact information. This lack of professionalism and communication is unacceptable, obscene, and abusive. 

My account has always been positive, and I have never experienced a natural disaster ; the purpose of my call was to seek assistance and gain information regarding my current situation. The inability to provide clear and transparent information about fees, along with the unprofessional handling of my call, raises serious concerns about my consumer rights. I have had this account for some years now with a perfect payment history, and my interaction regarding this matter make me feel deceived and unfairly treated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-28 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: MCT GROUP INC.
State: CA

Complaint narrative:
I am a human trafficking survivor these accounts listed aren't mine please help me rectify this. 

I have no knowledge or connections with any account listed. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have noticed accounts on my credit report that I did not open, suggesting potential fraud. Kindly remove and block these entries.

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 2024-10-28 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: NY

Complaint narrative:
Greetings, In accordance with the Fair Credit Reporting Act, Convergent Account # XXXX has violated my rights. Under 15 U.S.C. 1681 Section 602 ( a ), I am entitled to privacy, and 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions.

I am writing to file a complaint regarding inaccuracies on my credit report. Recently, I requested an investigation from the credit bureaus to ensure the accuracy of the information on my report. The credit bureaus concluded their investigation and reported that all the information was accurate. 

However, after receiving their response, I conducted my own thorough review of my credit report. During my investigation, I identified several inaccuracies that the credit bureaus failed to address, including Date opened and amounts. Despite the credit bureaus ' assertion that the information was accurate, my findings indicate that their investigation was insufficient and did not address the errors present in my report. 

Additionally, I have already filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding these inaccuracies, but the company has yet to address or resolve the issue. This has caused me considerable distress and may have impacted my credit score and financial standing. 

Thank you for your assistance in this matter. 

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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I was incapacitated, in the hospital for 2 months and I have a late payment reporting to the credit bureaus for 30 days for month XX/XX/2024. I got out of the hospital and made my payment by paying the balance off in full. I contacted XXXX  XXXX and asked for a One Time Customer Courtesy to remove the late payment reporting, I have never been late with them. Also a late fee was waived. They denied my request and I asked to submit another request with a supervisor on XX/XX/2024 and the supervisor told me that XXXX requests had been denied and they could not ask for another request. I decided to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have inquiries on my credit report that I didnt authorized. These inquires are all fraudulent, The Fair Credit Reporting Act ( FCRA ) Section 605B outlines the information needed to dispute fraud on a consumer 's credit file : Proof of the consumer 's identity A copy of an identity theft report Identification of the information in question by the consumer A statement from the consumer that the information is not related to a transaction they made XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I am writing to formally request the removal of a student loan from my credit report associated with account number [ Account Number ]. According to my records, this loan has been verified as closed, and I believe it should be removed from my credit report to reflect accurate information.

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( a ), negative information that is accurately reported must be removed after seven years from the date of the first delinquency. However, since this student loan has been verified as closed, it should not be impacting my credit profile any longer. 

The presence of this account, despite its closed status, is misleading and could adversely affect my creditworthiness. Therefore, I kindly urge the CFPB to take appropriate action to ensure that this account is removed from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I accidentally made a payment to my Walmart- capital one credit card. I disputed the payment to be returned to me, case # XXXX. I received a letter from Capital one dated XX/XX/year> stating there was an error and they had fixed it. I was direct deposited that amount to my bank. Sometime during that process capital one stopped doing business with Walmart and my credit card went to Capital one- XXXX. My account statement for XXXX now shows a transaction of XXXX which is the exact amount that was given back. Capital one is re charging me what was returned to me which is the amount disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: PA

Complaint narrative:
After reviewing my credit report, I discover accounts that I did not authorize. I'm sorry that I did not recognize or apply for about further investigation. I realized that my personal information was exposed, and several data breaches as well. 
I have no recollection of applying for any of these accounts in question, and they are negatively, negatively. Oh, my gosh! Impacting my credit per section 50, Usc, 1,681 c dash 2. Any fraudulent accounts. That I did not authorize or signed a contract for must be removed off my credit report in 4 days. 
These these fraudulent accounts are not only damaging my credit, but also causing me significant stress and anxiety. Okay, I have no connection to these accounts, and urgently request their immediate removal to prevent to prevent any further harm to my financial well being

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 2024-10-28 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: PA

Complaint narrative:
After reviewing my credit report, I discover accounts that I did not authorize. I'm sorry that I did not recognize or apply for about further investigation. I realized that my personal information was exposed, and several data breaches as well. 
I have no recollection of applying for any of these accounts in question, and they are negatively, negatively. Oh, my gosh! Impacting my credit per section 50, Usc, 1,681 c dash 2. Any fraudulent accounts. That I did not authorize or signed a contract for must be removed off my credit report in 4 days. 
These these fraudulent accounts are not only damaging my credit, but also causing me significant stress and anxiety. Okay, I have no connection to these accounts, and urgently request their immediate removal to prevent to prevent any further harm to my financial well being

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
After reviewing my credit report, I discover accounts that I did not authorize. I'm sorry that I did not recognize or apply for about further investigation. I realized that my personal information was exposed, and several data breaches as well. 
I have no recollection of applying for any of these accounts in question, and they are negatively, negatively. Oh, my gosh! Impacting my credit per section 50, Usc, 1,681 c dash 2. Any fraudulent accounts. That I did not authorize or signed a contract for must be removed off my credit report in 4 days. 
These these fraudulent accounts are not only damaging my credit, but also causing me significant stress and XXXX Okay, I have no connection to these accounts, and urgently request their immediate removal to prevent to prevent any further harm to my financial well being

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 2024-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: AZ

Complaint narrative:
I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX on XX/XX/year>. After reading my contract and doing some research, i have learned that I was not required to put down a down payment due to me being able to purchase the vehicle on credit. 
( 15 U.S. Code 1605- Determination of finance charge ) .I put down a deposit of XXXX XXXX Dollars. However, looking at my contract, it states that I made an deposit of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  which brings the total due for the car XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. The purchase amount in the window is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to 15 USC 1605, The finance charge does not include type payable in a comparable cash transaction meaning finance charges can not have cash or a down payment of cash involved.

Company response to consumer: Closed with explanation