vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-28 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: NV

Complaint narrative:
XX/XX/2022 Dear XXXX XXXX I am writing to request the removal of a late payment from my credit report in regards to XXXX XXXX XXXX. I understand that a late payment can have a negative impact on my credit score, and I am eager to improve my creditworthiness. I am a XXXX veteran and run a charitable 501c3 organization XXXX I am asking that credit one remove the late payments and I am attaching actual screenshots from my bank account which demonstrates that the payment was indeed not late.

I have made multiple attempts to rectify this late payment, but it remains on my credit report despite my efforts. I am now reaching out to Department of Veteran Affairs for legal assistance in this manner.

I have been a responsible borrower many years and have always made timely payments on all my other credit accounts. I believe that removing this late payment from my credit report will better reflect my creditworthiness and demonstrate my commitment to financial responsibility.

I again, respectfully request that you remove this late payment from my credit report. I understand that this is not an easy process and may require additional documentation from me. Please let me know what steps I need to take to make this happen. I can provide more documentation in addition the documents I am currently providing with this letter.

Thank you for your time and consideration. I look forward to resolving this matter and improving my credit score. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
In XXXX, I was one of the victims of the Equifax data breach. To obtain compensation for the inconvenience caused, I had to file a claim. According to media reports, Equifax assumed that most people would not bother to submit a claim, and if the total claims exceeded {$31.00} XXXX, the payment to each claimant would be reduced. As one news report stated, " Customers have very little recourse, '' which was reminiscent of Equifax 's business practices. Despite this, my claim was approved. 

In XX/XX/XXXX, I received my first notification that the claim would be paid. However, so much time had passed that the law firm handling the matter did not have my current address, and they informed me that they would need to issue another check. In an email, they stated : " We wanted to let you know that we have received your request to reissue the check, and settlement payment will be reissued as soon as possible. '' I have not heard from them since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
At XXXX XXXX  on Friday XX/XX/2023 I received several emails from Bank of America, asking me to verify my email, stating that my online application is in progress for a SafeBalance Banking account and then another email that it was approved. 
The confirmation number for this account is : XXXX. 

I called Bank of American at XXXX on Friday XX/XX/2023 and spoke with XXXX from the Fraud Department and explained everything to her. 
I told that I received these emails about an account opening, stated that email had my maiden name and not my married name. 
I then provided her with my address and full name. She confirmed that there is no account under my name. I did tell that I have a Bank of America Credit Card ( which I hold with my husband. My husband had opened it and later added me to the credit card account )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: FL

Complaint narrative:
I am writing to file a formal complaint against TransUnion for their negligence in updating my credit report to reflect that an account with XXXX XXXX has been paid in full. Despite numerous disputes with documentation and proof of payment, TransUnion has failed to update my credit report and this has caused significant harm to my financial standing. 

I have sent TransUnion multiple documents proving that the account with XXXX XXXX has been paid in full, but they have not taken any action to update my credit report. This has caused my credit score to suffer and has resulted in me being denied credit and loan applications.

I have made several attempts to resolve this issue with TransUnion, but they have not been responsive. I have contacted their customer service department multiple times, but they have not taken any action to resolve the issue. 

I demand that TransUnion immediately update my credit report to reflect that the account with XXXX XXXX has been paid in full. I also request that TransUnion compensate me for any damages that I have suffered as a result of their negligence. 

I appreciate your attention to this matter and look forward to a prompt resolution.

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 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, 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:
Tried to remove wrong addresses and was unable, I do not live at these addresses nor can I be reached there. I am trying to prevent identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Checkr, Inc
State: AZ

Complaint narrative:
As a driver for XXXX, I am required to get a yearly screening to continue my employment. Checkr began my background check on XX/XX/2023. It has now XX/XX/2023. I have been unable to work since XX/XX/2023. Checkr states the reason the background check is taking so long is because of limited court resources in XXXX XXXX Arizona. I have contacted the clerk of the court for the Superior Court of Arizona. Checkr has not submitted a background check request for me I have been unable to work for XXXX for the last 30 days. I have had to borrow thousands of dollars to avoid eviction, pay my bills, and buy groceries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: MD

Complaint narrative:
I am writing to request your assistance in removing erroneous late payments from my credit report. The late payments in question were reported by two companies : XXXX and XXXX XXXX XXXX XXXX XXXX XXXX 

I have been a responsible borrower and due to a mistake on the part of these two companies, my credit report now shows late payments that are not accurate. By law both companies have been issued a request for compliance to an OPT OUT of sharing personal nonpublic financial information to 3rd parties. 

I am requesting that you intervene on my behalf and assist me in having these late payments removed from my credit report. I have attached copies of my credit report and any supporting documents that may be helpful.

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 2023-04-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I leased my XXXX XXXX XXXX in XX/XX/XXXX and in XX/XX/XXXX American car centers Aka American Financial went Into Bankruptcy and closed their doors. I am now left with no answers. A company called West Lake portfolio is now harassing me for payments and collections when I have never been late on my payment since XXXX. They can not give me a new contract, we have canceled my warranty that I had with my lease. and they do not have any title information. I did make payments to them in the last month because theyve been harassing me threatening to take the vehicle. If I dont pay. Every time I make a payment, they tell me I still owe more money for past due payment with American Financial I did send them an email with all of my payments that were made up but they still show I have a balance and I dont. Why am I paying a collection agency when my car was not even in Collections, I cant get any answers. I cant sell my car or trade it in because nobody has a clear title on it because the companies and bankruptcy and I live in Florida and from what I understand our titles are in a trust. I dont know what to do. They are not reporting to the credit agencies and now American Financial has been removed from my credit stating that my loan was 100 % paid off. I have copies of everything.

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 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On XXXX I sent a letter to the credit bureaus, my U.S. POSTAL SERVICE CERTIFIED MAIL RECIEPT tracking numbers are ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is in regards to remove personal information that is reporting incorrectly, and to make sure that all my credit reports match up. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. also according to 15 USC 6802. no Financial Institution can share my information with third party people. THESE ARE CLEAR VIOLATIONS OF MY FEDERALLY PROTECTED CONSUMER RIGHTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I have not received my court ordered XXXX settlement. Why are keeping my check? 
Your banking activity towards customers has not changed. Please explain why?

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 2023-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: P&B Capital Group, LLC
State: TX

Complaint narrative:
I XXXX XXXX asked the company to verify the debt by sending copy of the contract to my home address. Im not sure who the company is and they are not complying. Hopefully, I can receive some answers by filing this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Comerica
State: CA

Complaint narrative:
My DirectExpress statements are showing multiple duplicate charges and the bank is refusing to acknowledge them even though it shows on all of the statements that there are multiple duplicate charges and the money leaving my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: TX

Complaint narrative:
As I have reviewed my credit reports for my auto loan with Flagship credit acceptance and all three bureaus there are many inaccuracies on my credit report from my auto account. I had XXXX last year and lost my job, which caused me to have to seek the need to get payment deferral, so that my payments would not go into default. I received the payment extensions but they are not reflected on my credit report as paid for those months that were extended where no payment was needed for that said month and deferred to end of contract. In addition, there numerous calls from company that became very harassing and threatening. Also, According to Federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, this ACT is not being abided by reporting accurate data. From the dates of XXXX, XXXX, XXXX, and XXXX of XXXX  all dates are reporting inaccurately. 
Because these are in violations, the entire account needs to be deleted off of my reports immediately. Or I will be seeking monetary relief for the in accuracies.

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 2023-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I transferred the full balance on this credit card to another lender who paid the last bill in full. Now the bank ( Truist ) is charging me {$31.00} interest on a XXXX balance. 
When I called them they stated to me I had not been making payments but that is not correct. In the past 90 days I sent them the following pymts : I paid {$150.00} with check # XXXX, on XXXX. 
I paid {$140.00} with check # XXXX on XXXX. 
I paid {$150.00} with check # XXXX on 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 2023-04-28 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: PA

Complaint narrative:
I am experiencing significant XXXX due to the presence of this account on my credit report. Despite providing all necessary documentation to have it removed, it continues to negatively impact my credit score and overall financial well-being. I urgently request that you take action to remove this account from my credit report, as it is causing me undue stress and anxiety. I implore you to consider my situation and take prompt action to rectify this issue.

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 2023-04-28 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: AL

Complaint narrative:
On XX/XX/XXXX I received an email fro XXXX XXXX stating to visit the store before my loan can be approved. I was at work at this time and had no knowledge of it. I called at XXXXXXXX XXXX on XX/XX/XXXX and XXXX XXXX who then advised me to call law enforcement to report it as fraud. I called XXXX XXXX again and XXXX XXXX who advise me to send her my police report via the email she sent attached with all requirements on XX/XX/XXXX. I received my police report XXXX because it was a corrected one from XX/XX/XXXX that wasn't filled out correctly. On XXXX I called XXXX XXXX and XXXX XXXX and she stated she will send me a relief letter in the mail in 7-10 business days but allow 60 days to be removed from my credit report. I waited until XXXX and called Equifax and XXXX XXXX. She advised me that she see the request to remove the inquiry and to allow 30 days and game me XXXX as a confirmation number. I checked my report on XX/XX/XXXX and the inquiry is still there. I called equifax at XXXX and XXXX XXXX which told me she see the notes for the inquiry to be deleted but it still show on my credit. Now she tells me she don't see the info that XXXX XXXX sent to them for it to be deleted. I asked for a supervisor and XXXX XXXXXXXX. He advised me that XXXXXXXX XXXX reported again in XXXX and readded admission of inquiry therefore its still on my credit. I have all of the paperwork even the letter from XXXX XXXX. I just want this removed from my credit file. I can prove I was at work and no computer access to even file online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I contacted XXXX and Synchrony Bank/Care Credit because on my credit report Im showed as an authorized user on XXXX with a balance that is showing at XXXX  %. I dont have said account. I have contacted them numerous times. Care Credit says they have no record with the account attached to my name. That they are happy to clear it up with XXXX immediately. I need this to deleted off my report immediately.

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 2023-05-01 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: WI

Complaint narrative:
This is my last Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove any inaccurate information which were fraudulent within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX, WI 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 2023-04-28 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: TX

Complaint narrative:
On XXXX XXXX XXXX alerted me of a score decrease. Equifax was sent a Police report on XXXX by fax at ( XXXX ) regarding an account that has been reporting on my credit file for some time. Equifax Information Services LLC. has refused to remove the account even with the supplied information from XXXX Police Department. The investigation was completed on XXXX, with no results provided. Equifax Information Services LLC has violated the FCRA 15 1681, by reporting an account that is not 100 percent accurate. Attached is the credit report, as well as the dispute letter and police report that was supplied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: OneMain Finance Corporation
State: AZ

Complaint narrative:
OneMain Financial imprperly obtained my credit report as there was no permissible purpose. I never entered XXXX XXXX 's site to ask for any loans. Furthermore, it is OneMain Financial that gave me a hard inquiry on my credit reports, NOT XXXX XXXX. 

This is an unacceptable response from OneMain Financial. If this is not rectified immediately, I will refer this to the OCC and will seek legal advise when when warranted. I will not let this company ruin my credit when I NEVER authorized it nor any of its partners to check my credit report on or about XX/XX/2023. 

This is OneMain 's UNACCEPTABLE investigation and answer to my first complaint : " OneMain records indicate that on XX/XX/2023, you received an offer to apply for a OneMain loan through the XXXX XXXX website, a financial services website that helps consumers find personal loans. Specifically, on the XXXX XXXX website, you provided information to determine if you had loan offers from participating lenders. Based on the information you provided, XXXX XXXX showed you available loan offers. You selected the OneMain offer. After selecting the OneMain offer, you were redirected from the XXXX XXXX website to the OneMain website to complete the OneMain loan application. ''

Company response to consumer: Closed with explanation