vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-22 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: CORELOGIC INC
State: FL

Complaint narrative:
I never authorized for my credit to be run and causing me so much inquires on my credit file.Please delete the inquiries as they are hurting me from becoming a home owner

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 2022-12-22 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: MIB Group, Inc.
State: MD

Complaint narrative:
WAS NOT MADE AWARE OF MY RIGHT TO OPTING OUT BY THE BUSINESS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: Pavilion Payments US BuyerCo, LLC
State: MD

Complaint narrative:
WAS NOT MADE AWARE OF MY RIGHT TO OPTING OUT BY THE BUSINESS

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 2022-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: IL

Complaint narrative:
On XX/XX/2022, I received a letter stating that my account was going to be closed if I did not make a purchase by XX/XX/2022. As a result, I did not receive this notice until after the provided deadline. On the same day ( XX/XX/2022 ), I checked my account and I did not see any notice that my account was closed. I contacted customer service about the notice and if there is anything I can do to keep my account open, and I was told that if I make a purchase my account will remain opened. After talking with customer service I made a purchase. 

On XX/XX/2022, I checked my bank account and saw that my account was now marked as closed. I contacted customer service and after speaking with multiple representatives I was told that there was nothing I can do to reopen my account. I explained that I did not received the letter until XX/XX/2022, and that I was told directly by a customer representative that my account will remain open if I made a transaction. In spite of those events, I was still told that there was nothing they can do to reopen. I was told that the customer representative did not tell me the truth, and I was also told that I should talk to my local post office and ask why I did not receive the letter in time but they did nothing wrong as they sent the letter on XX/XX/2022. 

Due to outside factors, I was not informed properly that my account was going to be closed on time, and I was lied to & tricked into using my card under the guise that it would protect my account. Now my account has been closed shortly after it was used to make transactions but before the balance can be paid off. I lost my oldest line of credit and now my credit score will be negatively impacted as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I never authorized for my credit to be run and causing me so much inquires on my credit file.Please delete the inquiries as they are hurting me from becoming a home owner.

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 2022-12-22 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: CrossCheck, Inc.
State: MD

Complaint narrative:
BUSINESS DID NOT MAKE ME AWARE OF MY RIGHT TO OPT OUT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: TX

Complaint narrative:
There is an inquiry that appears on my credit report that I did not authorize. I have notified both XXXX XXXX XXXX XXXX and Equifax and neither have resolved the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: Fidelity National Information Services, Inc. (FNIS)
State: MD

Complaint narrative:
BUSINESS DID NOT MAKE ME AWARE OF MY RIGHT TO OPT OUT

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 2022-12-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WA

Complaint narrative:
On XX/XX/XXXX, I made a payment over the phone with an representative from Carrington Mortgage Services. I was later informed by mail that the payment was not processed and was rejected by my bank despite funds available in my account. On XX/XX/XXXX, I paid {$11000.00} to Carrington via western union per the instructions on a letter I received from Carrington. The total amount paid was sent in 3 subsequent payments due to a transfer limit capping at {$5000.00}. In total, I sent {$5000.00} tracking # XXXX ( XX/XX/XXXX XXXX ) {$5000.00} tracking # XXXX ( XX/XX/XXXX XXXX ) {$1900.00} tracking # XXXX ( XX/XX/XXXX XXXX ) I was sent certified mail from Carrington about my mortgage not being paid on serval occasions. I called them to inquire why my account had not been updated and was told they didnt receive one of the {$5000.00} payments. They couldnt tell me why or where it was. XXXX XXXX confirmed they accepted it. Today, XX/XX/XXXX I received a text stating the payment posted to my account. Nobody can tell me why it took 20 days and what happened to those funds. I feel like they are negligently handling my account and its causing me stress. They should be accountable and yet they have no answers. I dont think their business practice are in sync with the law and would like this audited. They should not be sending me certified mailed about being behind on payments when they were given payment nearly XXXX weeks prior. Late fees imposed, negative reporting to credit agencies. This isnt right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: BetterNOI, LLC
State: MD

Complaint narrative:
BUSINESS DID NOT MAKE ME AWARE OF MY RIGHT TO OPT OUT

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I received notification about a new inquiry to my credit report. I called XXXX XXXX to inquire why they asked for.my info since I did not seek credit from them. I was informed that an account from XXXX XXXX had been.opened in my name. They are an online retailer that I had no contact with. XXXX XXXX put me thru to their fraud dept and I was told I would recieve info in the mail for this to be taken off my report. Well, 2 days later, I received a credit card from XXXX XXXX!! I just want this closed and taken off my credit report.

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 2022-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
BUSINESS DID NOT MAKE ME AWARE OF MY RIGHT TO OPT OUT

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 2022-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2022, I filed a dispute with TransUnion due to a collection is showing erroneous data on my credit report. The account was paid. The amount and status showing on the collection account is incorrect. The account is with XXXX. I also noted that the other credit reporting agencies do not show the account on them as a collection account. Furthermore, my credit reports has a lot of erroneous data that I have asked for TransUnion to delete several times. I can not understand why they would want to report incorrect information. Especially, when I, the consumer, ask for the credit file to be updated with accurate information. Please help! I just dont know what to do with this company. My credit score is drastically different from the other two reporting agencies. I am finding it weird. I hate to play the discriminatory card but it sadly starting to look that way.

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 2022-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
I had a vehicle loan thru Wells Fargo. They accused me of not making payments and repossessed the vehicle. I got vehicle in XXXX XXXX I believe and u had it for 2 years

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 2022-12-22 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: MI

Complaint narrative:
Fraudulent Hard Inquiries on my account. XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX XXXX XXXX, XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  inquired on XX/XX/XXXX, XXXX XXXX  inquired on XX/XX/XXXX, The XXXX XXXX on XX/XX/XXXX, XXXX  XXXX inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXX There are also addresses and names that do not belong to me. 

XXXX XXXX XXXX ID # XXXX and XXXX XXXX Name ID # XXXX Addresses XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are not addresses I have lived

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 2022-12-22 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Fraudulent Hard Inquiries on my account. XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX XXXX XXXX, XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  inquired on XX/XX/XXXX, XXXX XXXX  inquired on XX/XX/XXXX, XXXX  XXXX XXXX on XX/XX/XXXX, XXXX  XXXX inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXX There are also addresses and names that do not belong to me. 

XXXX XXXX XXXX ID # XXXX and XXXX XXXX Name ID # XXXX Addresses 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are not addresses I have lived

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Was offered a zero percent ongoing rate for cash advances by paying 4 % up front by Bank of America. I used the option advance XXXX and paid the one time fee. Then this month I was charged interest on balances I had not carried for 30 days because of the cash advance dollars used. So now I am paying daily interest prior to the 30 days on any charges because the 0 % cash balances are showing as unpaid balances. So in addition to the XXXX 4 % fee I paid, I just had to pay XXXX  dollars in interim interest I would not have us to pay if I did not use the 0 % advance. I will now go in and pay off it in its entirety after having paid them XXXX so I do not have to keep paying them $ XXXX a month for interim interest. It is a very deceitful practice to present it as a promotion that benefits the customer.

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 monetary relief
Consumer complaint received 2022-12-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
adding to my complaint - Complaint Number XXXX I have asked that all Medical Reported Debt be removed from my credit report - Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. 

Such as XXXX XXXX XXXX for {$1200.00} XXXX XXXX XXXX for {$9100.00} Also All student Loans - Related to XXXX XXXX need to be removed as well ( See Letter attached )

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 2022-12-22 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: MD

Complaint narrative:
THE BUSINESS DID NOT MAKE ME AWARE OF MY RIGHT TO OPT OUT

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 2022-12-22 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: Park Hill Holdings
State: MD

Complaint narrative:
THE BUSINESS DID NOT MAKE ME AWARE OF MY RIGHT TO OPT OUT

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 2022-12-22 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
so check this out, I went to get a job and was denied due to things on my report that don't belong to me. there is a car loan, things that went into collections and hard injuries that don't belong to me at all and they are a result to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
so check this out, I went to get a job and was denied due to things on my report that don't belong to me. there is a car loan, things that went into collections and hard injuries that don't belong to me at all and they are a result to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DIRECMANAGEMENT, INC.
State: AL

Complaint narrative:
XXXX of XXXX XXXX XXXX XXXX threaten to damage my credit by falsely accusing that i still owe rent on the unit she ordered me to vacate due to a rat infestation that she accused me of causing. This bogus collections is a result of retaliation from her after I repeatedly asked her to hire an exterminator to eradicate the problem, she instead send maintenance man to set traps, we caught 12 rats and they keep coming. I had had enough and called the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX to inspect the unit and they determined I did not cause this issue. After she received a call from them, she then told me to vacate the property in 7 days, when I only had 1 month left of my lease, I had no where to go but I left only to notice that she then empowered Direc Management Inc to report that I owe {$1500.00} on my credit report since. I do not owe this debt, this is a bogus collections, I have put this statement on my credit reports. I have reached out to them without any resolve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: TX

Complaint narrative:
The company is XXXX  Credit which is actually Synchrony Bank. I had a charge that I do not recognize on the account, I called XX/XX/XXXX to let them know as soon as I saw the charge. I asked them to dispute as fraud, and they assured me that they would take care of it. I paid off my entire balance, and left the amount for the dispute, as I can not pay for things I never bought, and I expected them to apply a temporary credit while undergoing investigation like they had promised. Upon further checking I noticed that the account did not ever receive the credit. I was being sent automated emails on XX/XX/XXXX about how my payment was due, and how I was now being charged a late fee for not paying, however I know that the credit card company is not allowed to do this, for a disputed amount. I called XX/XX/XXXX and spoke with a person named XXXX XXXX and she told me that the dispute wasn't entered and they had made a mistake. Now looking at the account I see that they are trying to charge me another non payment / late fee, and they are still asking me to pay for the disputed amount. I have not been sent any documentation via mail regarding a dispute, or email for that matter. I just would like the balance to be taken care of in the amount of {$130.00} and with their newly added late fees now {$170.00} I can not pay for something that is fraud, and it seems they do not wish to actually make the dispute for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-22 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: MI

Complaint narrative:
These accounts are not mine, fraudulent activity on my credit report. 

XXXX XXXX on credit report not opened by me. 

XXXX XXXX Account fraudulently opened, paid off XXXXXXXX Dept of EdXXXX payments 180 days past due as of XX/XX/XXXX to XX/XX/XXXX not on this account. The account was opened XX/XX/XXXX. 

STATE OF MI/OFFICE CHILD SUPPORT account never late and paid in full XXXX paid in full XXXX XXXX XXXX fraudulently opened

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 2022-12-22 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: HireRight Solutions, Inc.
State: MD

Complaint narrative:
WAS NOT MADE AWARE BY THE BUSINESS OF MY RIGHT TO OPT OUT

Company response to consumer: Closed with explanation