vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-25 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: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-08-25 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: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have hard inquiry from OPORTUNXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Somebody trying to applied personal loan under my name. But I never applied in any loan yet, So i also received email from XXXX regarding data breach. Can you please help me that inquiry in that credit report. I don't authorize it. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 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: DC

Complaint narrative:
In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 15U.S.C 1681 Section 602 A, States I have the right to privacy 15 U.S.C.1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instruction. 15U.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 conviction and crimes which antedates the report by 7 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

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 2024-08-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: WY

Complaint narrative:
I requested confirmation on the debt when National Credit Adjusters called me. They sent the information, however, they have no standing to collect the debt. No where in the contract does it say that it can be collected by a third party. In-fact the contract at page XXXX which is attached specifically states that " WE MAY REPORT ANY INFORMATION ABOUT ANY LOAN WITH US TO CREDIT BUREAUS. '' " We '' being XXXX XXXX and not National Credit Adjusters. National Credit Adjusters nor any collection agency are listed in the contract and thus must remove this from ALL of my credit reports immediately and cease contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: NJ

Complaint narrative:
Did not authorize XXXXXXXX XXXX XXXX via XXXX XXXX XXXX to access my credit report its against the law to access the consumer report without there permission.

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 2024-08-25 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I made a one time purchase and the associate offered promotional financing so I applied and opened a credit card for the offer. No other purchase was ever made on this account. 

I setup auto pay so this would be paid off before accruing any interest. The promo plan term length was either an 18 month deferred plan. 

In reviewing my statement the promo plan was never applied. I called the bank and they refused to honor the promo plan that was sold to me. 

If it was not for the promo plan offer I never would have opened this 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 monetary relief
Consumer complaint received 2024-08-25 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Target, in an act of utter indecency and immorality and abject lack of compassion, continues to charge me late fees even though I do try to pay on time their outrageously high interest rates!

There are a cruel lot! Indeed they are!

And so I want my Target credit card immediately cancelled and all fees removed!

FURTHERMORE and very seriously, the prices on Target 's shelves often do not match up at the check-out counter and I have complained to the XXXX XXXX, New Jersey Department of Consumer Affairs and the XXXX XXXX Prosecutor! 

A company that can't keep its prices straight is demanding my pay its " fees ''? NO WAY!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-25 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: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Hi, I opened a PNC Virtual Wallet account on XX/XX/year>, at the PNC branch in XXXX, IL, using a coupon code I received via mail from PNC Bank. XXXX XXXX, a XXXX XXXX and XXXX XXXX, assisted me in setting up the account and confirmed that I would receive a {$500.00} bonus upon meeting all the conditions specified in the mail. 

I have met all the conditions as communicated by XXXX XXXX, but I have yet to receive the {$500.00} bonus. When I contacted PNC Bank, I was informed that I would not be receiving the bonus because I had previously closed an account within the last XXXX months. However, I specifically asked XXXX XXXX about this before opening the account, and she assured me that, since this was a named mail offer, I would be eligible for the bonus. 

Please assist in resolving this issue and ensure that I receive the {$500.00} promotional bonus as promised. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-25 00:00:00
Product: Mortgage — Conventional home 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: Rocket Mortgage, LLC
State: SC

Complaint narrative:
The email below is from Rocket Mortgage. I called into get help with my monthly payments due to my wife not working because of health. The first statement is false I was paying XXXX monthly scrambled to pay the original modification of {$590.00} and am now being told my payments are {$840.00} they denied my modification after accepting payment because I didn't answer their call to accept the modification ( Scam Likely. ) Was never told anything about making payments in full or that I didn't qualify until XXXX  days into the process. I have attempted to correct this with them pointed out they created this issue by misleading information and multiple departments and personnel asking for more information and then approving but not contacting me with any further information or details. There solution is for me to pay in full with penalties and interest and delist my home for sale. 

I had the opportunity to review the account further and we can not enter loan back into previous plan due to the payment amount received, even with the error and us approving the mortgage for an option, the payments are required to be paid in full each month and you send us {$580.00} instead of {$590.00}. 

There is no active plans to enter you into as the home is listed for sale. Any applications will be denied if the home is on the market. I would highly recommend either bringing the loan current or delisting the property and showing us proof and reapplying for another workout option or continue to try and sell the home. 

Internal coaching is being provided for how the interaction and application got filled out to begin with. I apologize for how it seemed like the home could be for sale and you be able to enter into a plan, but we dont offer that to any of your clients. Its either or, if selling, applications will always be denied. If not selling and not on the market, we can

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
Midland Credit Management XXXX : Customer Service Department XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Cease and Desist Demand Dear Midland Credit Management, I am writing to formally request that you immediately cease and desist from all communication and collection activities related to the alleged debt associated with my account. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and any other applicable federal or state laws. 

Cease and Desist Request : I hereby demand that you : a. Cease all forms of communication with me, including phone calls, letters, and emails, concerning the alleged debt. 

b. Cease any further collection activities related to this account. 

c. Provide written confirmation within XXXX  days that you have complied with this request. 

Consequences of XXXX : Please be advised that if you fail to comply with this cease and desist request, I will consider taking appropriate legal action to protect my rights. This may include filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or seeking legal remedies available under the FDCPA. 

No XXXX of Rights : This letter does not constitute a waiver of any of my rights, claims, or defenses, all of which are expressly reserved. 

I trust that you will handle this matter promptly and in accordance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 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: FL

Complaint narrative:
The company XXXX XXXX has unlawfully reported late transitions to the credit bureau TransUnion that is affecting my credit.

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 2024-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Novo Platform Inc.
State: IN

Complaint narrative:
I am writing to request an immediate resolution to a critical issue with my business account. My name is XXXX XXXX XXXX, and I am the account holder. 

Issue Summary : 1. Negative Balance : My account has been left with an unexpected negative balance of {$150.00}. According to applicable laws and regulations, banks are required to ensure that accounts are not left in a negative balance and are held responsible for correcting such issues promptly. 
2. Returned Check : A legitimate check deposit, confirmed by XXXX XXXX, was returned with a refer to maker notation. This returned check has contributed to the negative balance. I was informed that Novo Business Banking specialists should have contacted XXXX XXXX XXXX Department for clarification. However, no resolution has been achieved, suggesting a lack of action or diligence on Novos part.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: CA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 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 am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. I did not give my authorization. I am writing your office today because I am a victim of fraud. An unknown individual used my personal information in the past to obtain credit from XXXX XXXX XXXXXXXX XXXX XXXX XXXX, and other banks without my knowledge or consent. 
I filed a complaint with XXXX XXXX Police department and I attach a copy of the card containing the case number with this letter. 

This matter concerning the XXXX XXXX XXXXXXXX and XXXXXXXX XXXX accounts has been resolved with Transunion in the past and reposted again recently by the creditor. It is illegal for this information to be reposted in my personal credit file when it was deleted and blocked in the past due to fraud. Please delete and block these fraudulent accounts from my credit report as they are fraudulent information. I'm expecting that the credit bureau will help me with this matter, I want to thank you in advance.

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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-08-25 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: Experian Information Solutions Inc.
State: CA

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 explanation
Consumer complaint received 2024-08-25 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I Reviewed my Consumer Reports and noticed that I had XXXX payments on an account that I was never late for XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX  : XXXX Please investigate and provide Proof With statements showing that these payments were late, If proof can't be provided, I demand these payments be updated to on time as they should be as I was Never late. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 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: EQUIFAX, INC.
State: CA

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 XXXX XXXX XXXX. 

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

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2024-08-25 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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 explanation