vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I currently have a plan through Experian called XXXX premium for daily credit score report, monthly 3-Bureau credit reports and other various benefits for {$24.00} per month.

I was considering upgrading my plan in order to obtain monthly privacy scans and removals from the internet, so I reviewed their upgraded plans. Their website loaded a page which was a 3-column comparison ( attached ) of my CURRENT plan ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( also called XXXX for some reason? ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The " XXXX XXXX XXXX XXXX XXXX XXXX which includes the " monthly privacy scans and removals '' I was looking for, outlines as the very first and BOLDED bulletpoint that this upgraded plan includes " EVERYTHING IN CURRENT ( plan ) ''. However, if you scroll down, you'll see that this " upgraded '' plan only includes QUARTERLY 3-bureau reports, versus my CURRENT plan which includes MONTHLY 3-bureau reports.

How could it be possible that my current plan include MONTHLY 3-bureau reports and the " upgraded '' plan included only QUARTERLY reports, yet Experian is trying to charger me MORE money and, not only that, but they go so far as to mislead me ( and likely many many other consumers ) by falsely stating that the new/upgraded plan option includes " EVERYTHING IN CURRENT PLAN '' - when, in fact, it absolutely does not. This is a LIE and this is FRAUD .... from the largest credit bureau in the United States. Nice work Experian. 

NOTE : MY CONTACT PHONE NUMBER ON FILE IS WRONG/OUT-OF-DATE. MY PHONE NUMBER IS NOW XXXX. Please update your records accordingly. Thanks!

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 2023-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A CREDIT REPORT WAS PULLED IN XXXX AND XXXX DIDN'T APPEAR ON TRANSUNION. ANOTHER REPORT WAS PULLED IN XXXX AND XXXX APPEARED ON TRANSUNION. XXXX NEVER SENT AN NOTICES. PER MY INVESTIGATION, TRANSUNION IS REPORTING MY NAME SEVERAL DIFFERENT WAYS WHICH INDICATE THAT THERE IS FRAUD GOING ON WITH MY NAME, DOB AND SOCIAL. THIS ACCOUNT REPORTED TO TRANSUNION FROM XXXX DOES NOT BELONG TO 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 non-monetary relief
Consumer complaint received 2023-06-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I tried to fix this and contact the company on Monday XX/XX/XXXX, XXXX. I tried three months ago. I honestly, had forgotten about the bill as-well. But, they won't let me pay it directly from my bank because they say it's been denied. Than how am I supposed to pay it? I don't have an alternate bank account I can pay it with and that's hyper unreasonable to ask.

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 2023-06-21 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: CA

Complaint narrative:
I called your department after I purchased a credit report with XXXX XXXX on XXXX.2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was CHARGE OFF account on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud account on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with this account listed below, so please help me remove this charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and SSN for my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THIS FRAUDULENT ITEM : XXXX XXXX XXXX - Please block and remove this account from my credit report. This account does not belong to me. I never applied to this company. Plus, the continuous activity is weird. This is a fraud. Please remove this account immediately. 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX  XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address

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 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally request the cessation of reporting a late payment on my credit report. The late payment is associated with XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, an account I no longer have with the company, and I believe it is necessary to address the impact it has on my credit history, especially considering the challenges faced by everyone during and after the pandemic. 

To provide context, I want to emphasize that the late payment in question occurred over 5 years ago, and since then, I have diligently worked to improve my credit history and maintain responsible financial habits. Unfortunately, the lingering presence of this late payment has had a lasting impact on my creditworthiness and financial opportunities. 

Furthermore, the circumstances surrounding the pandemic have posed significant challenges for individuals across the country and around the world. The economic repercussions and financial hardships experienced by many during this period have been unprecedented. In light of these challenges, it is crucial for credit reporting agencies to exercise flexibility and understanding regarding negative entries on credit reports, especially those stemming from years ago. 

Considering the aforementioned points, I kindly request your assistance in ceasing the reporting of this late payment on my credit report. I no longer have an account with the company associated with the late payment, and its continued presence on my credit report creates an unfair representation of my current financial status and efforts to rebuild. 

I kindly ask that you review this matter with consideration for the hardships faced by individuals during and after the pandemic, and the impact it has had on their financial well-being. I believe it is essential to provide individuals with the opportunity to recover from such setbacks and regain financial stability without being hindered by dated negative entries on their credit reports. 

I kindly request that you provide me with a written confirmation once the necessary actions have been taken to cease reporting this late payment. Your prompt attention to this matter is greatly appreciated. 

Should you require any further information or clarification, please do not hesitate to contact me at XXXX or XXXX. I am committed to resolving this issue and ensuring the accuracy of my credit profile. 

Thank you for your understanding and consideration.

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 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I am writing to formally request the cessation of reporting a late payment on my credit report. The late payment is associated with XXXX XXXX XXXX XXXX XXXX XXXX, an account I no longer have with the company, and I believe it is necessary to address the impact it has on my credit history, especially considering the challenges faced by everyone during and after the pandemic. 

To provide context, I want to emphasize that the late payment in question occurred over 5 years ago, and since then, I have diligently worked to improve my credit history and maintain responsible financial habits. Unfortunately, the lingering presence of this late payment has had a lasting impact on my creditworthiness and financial opportunities. 

Furthermore, the circumstances surrounding the pandemic have posed significant challenges for individuals across the country and around the world. The economic repercussions and financial hardships experienced by many during this period have been unprecedented. In light of these challenges, it is crucial for credit reporting agencies to exercise flexibility and understanding regarding negative entries on credit reports, especially those stemming from years ago. 

Considering the aforementioned points, I kindly request your assistance in ceasing the reporting of this late payment on my credit report. I no longer have an account with the company associated with the late payment, and its continued presence on my credit report creates an unfair representation of my current financial status and efforts to rebuild. 

I kindly ask that you review this matter with consideration for the hardships faced by individuals during and after the pandemic, and the impact it has had on their financial well-being. I believe it is essential to provide individuals with the opportunity to recover from such setbacks and regain financial stability without being hindered by dated negative entries on their credit reports. 

I kindly request that you provide me with a written confirmation once the necessary actions have been taken to cease reporting this late payment. Your prompt attention to this matter is greatly appreciated. 

Should you require any further information or clarification, please do not hesitate to contact me at XXXX or XXXX. I am committed to resolving this issue and ensuring the accuracy of my credit profile. 

Thank you for your understanding and consideration.

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 2023-06-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened an XXXX XXXX Account ( XXXX ) with {$500.00} to be used a deposit for a secured Regions XXXX XXXX credit card. I later filed XXXX  XXXX ( Case XXXX ) and Regions WAS NOT listed because I didnt owe anything on the card and only creditors that money was owed to was listed on my petition filed by an attorney. 
Regions learned of my bankruptcy filing through their own channels and closed my credit card at the end of XXXX. Thats understandable. 
The problem is they wont release the money. A few transactions posted on the account ( I dont have access to the account but Id say less than {$100.00}, so they owe me the remaining {$400.00} ). Its been 3 months. After this happened, I was told by Regions Bankruptcy Department that theyd hold The remaining amount and possibly send it to the Bankruptcy Trustee. They havent. 
I responded negatively to a survey sent by Regions explaining my disagreement with this. A lady named XXXX called me from Regions Escalations and told me she did some research and agreed that nothing was owed and to close the account out I needed to go to a branch and close it. 
I went to the Regions in XXXX XXXX, Texas and asked XXXX to do such. She called Regions Card Services and was first told that the account is still open. Then they agreed it was closed. This is consistent with Regions each person has a different answer that contradicts the previous persons. XXXX submitted a request and the funds werent released. I called XXXX who was advised to send her request to another department. They responded to her that due to my bankruptcy filing ( which doesnt involve Regions, and I dont owe Regions on any other account ) that theyll hold this money until my XXXX  XXXX is XXXX or dismissed, 5 years from now. 
There are no cross collateralization clauses that would apply. I do not owe Regions or any of their subsidiaries anything on any other accounts. Regions isnt listed as a creditor. My bankruptcy payments are current via automatic payment. 

This isnt right or fair and we need to come to a resolution of either releasing MY money to ME or send it to the trustee as a payment on my bankruptcy. Holding it for 5 years without a valid reason is not a solution.

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 2023-06-21 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
On XX/XX/2022. I went into TitleMax on XXXX XXXX in XXXX Georgia took out a {$8000.00} loan. I have not missed a payment. I have been paying over the monthly amount to this day. I have given them over {$12000.00} back and for about four months now theyre saying I still owe them {$6000.00} and each month my monthly payment either goes up or down depending on how much money I give them over, my balance is not dropping. I tried contacting corporate office. There is only one man that answers the phone and does nothing but connect you to the office where you got your loan from. I tried speaking with them, asking them why my balance is not dropping and basically I was told unless I walk inside with the full amount, the balance is not going to go anywhere and I have six months to move out of my house me and my children because I cant afford this anymore and these people do not care they are taking advantage of people and they need to be stopped. I can not afford to keep paying them more than I paid for my car which was XXXX. I have been doing reviews on XXXX nothing is working. I I plan on finding a suitable affordable lawyer to look into this matter. I have asked for my paperwork so I could match up the numbers of interest from when I sign my life away they wont give me that as well. Unfortunately my home had a flood and all my important documents got damaged on TitleMax webpage. It wont let you even view your documents. I will be going back inside the store to ask for my paperwork again Im good with remembering numbers so I will see if it adds up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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: SC

Complaint narrative:
This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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: CA

Complaint narrative:
This is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof 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 2023-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof 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 non-monetary relief
Consumer complaint received 2023-06-21 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: NC

Complaint narrative:
I disputed addresses that I never lived at and they were updated instead of taking off. As well as inquiries that I had no knowledge of

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 2023-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I disputed this XXXX  XXXX bankruptcy several times with the credit bureau Transunion. In XXXX of XXXX  my dispute was completed, when the dispute was concluded the response was verified as accurate with US Bankruptcy court. I previously contacted the bankruptcy court and their response was that they do not verify records with any credit bureau or any entity for that matter their response is enclosed.

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 2023-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: CA

Complaint narrative:
Hello, Im here to make another complaint on a fraudulent bank account opened under my identity. Its causing major problems with my active bank account that I opened, XXXX XXXX XXXX XXXX. This is completely insane. Never was i a consumer of US Bank. This matter needs to be investigated.

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 2023-06-21 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: FL

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation