vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
On XX/XX/XXXX I checked my card balances as I do most days. Noticed that my Care Credit was lowered by {$2500.00}. I called and spoke to several people who were rude and " couldn't tell me anything aside from it was Synchrony 's decision based on a credit report from XXXXXXXX XXXX 

XX/XX/year> it was XXXX due to the XXXX, I did pay most cards off the first of the year. By XX/XX/year> is was already up to XXXX and has only moved up since then. 

On the notice I did receive, it said something to the effect that I did not have any mortgage transactions on my report as one of things they based their decision on. I just went through a divorce and am renting until I figure out my next life move. Me not having a mortgage should not impact my credit score, that's a judgement toward my personal being. 

I used that card for XXXX  work, I had a XXXX XXXXl in XXXX that cost XXXX and I get that interest free for 6 months, which I always pay off on time. This totally messed me up for XXXX thing, I needed a XXXX, which I was putting off until I paid the XXXX XXXX XXXX Second, doing what they did, my credit score went DOWN XXXX points because lowering my limit put me at the top of the credit to card balance ratio leaving me {$30.00}. Third I was so mad at them I paid the balance off on XX/XX/year> and they still have not credited my account. 

I don't know what to do or where to go to fight this anymore.

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 2024-04-12 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: NC

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 XXXX 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 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax, XXXX  and XXXX  are all reporting false inaccurate information. I want to File auto dealer fraud XXXX XXXX finance None of my documents that I requested match or support the transaction. I went to the XXXX XXXX dealership who ran up to 5 applications over a week for no good reason and they provided me a lender whose terms changed once it came to signing with was XXXX. The Declaration page has XXXX yet XXXX is now listing themselves as the lien holder and reporting inaccurate information to credit bureaus. Documents have False Signatures Never signed or agreed to any of the Terms with XXXX XXXX I have included a letter, emails to XXXX corporate office and screen shots

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX, XXXX  and experian are all reporting false inaccurate information. I want to File auto dealer fraud XXXX XXXX finance None of my documents that I requested match or support the transaction. I went to the XXXX XXXX dealership who ran up to 5 applications over a week for no good reason and they provided me a lender whose terms changed once it came to signing with was XXXX. The Declaration page has XXXX yet XXXX is now listing themselves as the lien holder and reporting inaccurate information to credit bureaus. Documents have False Signatures Never signed or agreed to any of the Terms with XXXX XXXX I have included a letter, emails to XXXX corporate office and screen shots

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 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced

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 2024-04-12 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: MD

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced

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 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NV

Complaint narrative:
On XX/XX/2024, I received an administrative settlement of an " alleged debt '' from XXXX XXXX XXXX, Reference No. # XXXX in an attempt to collect an alleged debt in the amount of {$18000.00}. Without notice Toyota Motor Credit Corporation corresponded with XXXX XXXX XXXX, in regard to the amount in question. Toyota Motor Credit Corporation is currently the reporting agency on my report with Account XXXX. XXXX, for the alleged debt that XXXX XXXX XXXX, claims is owed. Respectively trespassing on my XXXX, XXXX, and XXXX consumer credit reports. Toyota Motor Credit Corporation and XXXX XXXX XXXX, erroneously reported to me a contractual debt and that a civil dispute exists with us which is false, there is none to my knowledge. I've requested that these agencies validate these alleged debts, and produce the original contract to verify their claims against me. It has been almost XXXX month and there has been no response to my notice. In accordance with the Fair Credit Reporting Act these reporting agencies have violated my rights as a natural person, and living human being numerous times. 15 U.S.C. 1681, Section 602 A. states that I have the right to privacy. 15 U.S.C. 1681, Section 604 A, Section 2, states that a consumer reporting agency can not furnish an account without my written instructions. I demand in these instructions that the accounts Account XXXX. XXXX, Account XXXX. XXXX that are listed above, be removed according to 15 U.S.C. 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-04-12 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: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-04-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I have a Kay Jewelry credit card that I have had for 20+ years, now under Comenity Bank . My account was paid off for several years and I received notice in XXXX XXXX that I had to use it or I would lose it. I used the card for a random purchase in XXXX, and quickly thereafter ( XX/XX/XXXX ) made a {$200.00} payment, leaving a balance of {$73.00}. That cashier 's check from my bank was not cashed until XX/XX/XXXX. Two weeks later XX/XX/XXXX, I made another payment ( same way through my banks web bill pay ) to pay the balance of {$73.00} off. I accidentally set the payment for {$270.00} ( which would have left a XXXX credit on my account ). XXXX XXXX, I receive a call from Comenity stating that my payment was late. I did not understand what happened, and checked with my web bill pay, and could see that the check was sent in XX/XX/XXXX. So I informed the representative on the phone, and they said they would wait for the check. Later in the month, I received a letter from my bank processing center along with the check they sent to Comenity, and a letter from Comenity stating that my payment was being returned. On XX/XX/XXXX I spoke with another representative from Comenity who stated that my account is now 30 days past due and they have added a {$35.00} fee to my balance. I explained that my pay-off payment check was returned to me late XXXX, and that I would pay it while she was on the phone. She then waived the XXXX fee, and since they would not accept my credit card as payment, I sent the remaining {$73.00} from my bank bill pay ( all this on XX/XX/XXXX ). On XX/XX/XXXX, I received a notification from the credit bureau that a derogatory was put on my credit report.i went in and checked what it was, and it was a 30 day late from Comenity Bank ( Kay Jewelers ). I then called my bank, who informed me that Comenity presented my check through the banking system on XXXX, and it was paid on XX/XX/XXXX. I called Comenity, and asked why they reported to the credit bureau that I was 30 days late, and they said they didn't receive my check until XXXX, and that put me to 30 days, and also notified me that they added another {$35.00} late payment fee, as well as rescinded the previous waiver, leaving a new balance of {$79.00} ( both late fees plus interest ). I explained everything that happened, to no avail, so to be done with them, I paid the erroneous charges with .y debit card. I feel that they victimized me by returning my check to me ( very late after receiving it ), allowing them to assess new charges, as well as applying my payments late so that they COULD assess those charges. I have electronic evidence from my bank showing when the checks were sent, and when they were cashed, as well as the payoff check that they sent back to me in XXXX. This was all unethical and predatory. I have good credit, and pay my bills on time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
On XX/XX/XXXX my XXXX XXXXXXXX XXXX accounts ( checking and savings ) had been frozen for garnishment based on a judgement made against me in XXXX. I understood this action, and worked immediately to open a new bank account to pay the debt collector, Midland Credit Management. I was able to pay the full amount of {$2000.00} as soon as I got my new debit card in the mail on XX/XX/XXXX. I was told that the amount of {$2000.00} would clear my debt and that paperwork to release my bank account would be submitted to XXXX XXXX within 24-48 hours. I waited patiently for the release of my account, but it never happened. I called MCM to check on the status of my case on XX/XX/XXXX and the representative told me I owed {$1.00}. When I told him I had paid my debt in full, he placed me on hold and said " not to worry about the {$1.00} '' which I believe was interest that had accrued since the date I had paid them, indicating that they had not closed my paid-off account. Furthermore, my payment does not reflect on their website. It shows that I have a balance of {$2000.00}, and " payment history '' is blank, which is inaccurate. When I ask about these things, they tell me they can not give me any information beyond that " the account is paid off and closed. '' I have asked several times for proof that I have paid the debt and for the paperwork to be submitted to my bank, so that my account may be released. I asked for these things to be done again by phone on XX/XX/XXXX and again on XX/XX/XXXX. On XX/XX/XXXX, I was told that " XXXX '' would speak to the attorney at MCM, and I have not heard back or gotten any resolve since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
i have a mortgage with Select Portfolio Services ( XXXX ) a decade ago i was informed that my property had been placed in a flood zone and i would have to purchase additional insurance, at first i did not search for insurance instead allowed them to purchase for me and attach payments through and escrow payment each month. 2 years ago i sought out and purchased insurance on my own, ( XXXX XXXX ) less expensive and more coverage. XXXX reported my current flood zone as X SPS sent me a letter ( attached ) that they have the flood zone as AE, after correspondence with SPS they agreed to terminate my XXXX XXXX XXXX and accepted my XXXX policy. The policy is now up for renewal and i am getting the same message from SPS ( letter attached ), in fact i have found out that flood zone X does not require additional insurance at all. I have since sent notification to SPS of my intent to pursue what ever resources are available to me to resolve this issue. I have attached documentation including a letter i sent to SPS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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: MS

Complaint narrative:
The information on my consumer report is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion Credit Dispute Department XXXX XXXX XXXX XXXX, PA XXXX XXXX  Dispute Department XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Credit Dispute for Account Reporting Violations Dear Sir/Madam, I am writing to dispute the accuracy of information on my credit report, specifically regarding the accounts listed below. As per the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that the information reported on my credit file is accurate, fair, and substantiated. In accordance with 15 USC 1666b, creditors are obligated to provide timely information as outlined in section 1637b, which they have failed to do so. 

I am requesting proof that the required information was mailed or delivered 21 days before the payment due date, as mandated by law. Failure to provide such validation would render late payment reporting invalid, thus requiring the removal of these derogatory marks from my credit report. 

The accounts in question are : XXXX. XXXX XXXX  Account Number : XXXX XXXX. XXXX XXXX  Account Number : XXXX XXXX. XXXX XXXX  Account Number : XXXX XXXX. XXXXXXXX XXXX  Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX I request that you conduct a thorough investigation into these matters and provide me with documented proof of compliance with the aforementioned consumer protection laws. If such evidence can not be provided, I expect the inaccurate reporting to be promptly removed from my credit file. 

Please inform me of the steps taken to address this dispute and the resolution thereof. You may contact me at the provided phone number or email address to discuss any further information required to facilitate this process. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
Hello my name is XXXX XXXX XXXX XXXX, this is my credit reports ( all 3 Credit reporting bureaus ) story. 
Since XX/XX/XXXX All three credit bureaus had denied me be the XXXX XXXX XXXX  my credit report for 18 years now except for once in XXXX and when I tried to fix all the inaccuracies and lies on my credit report, They ( all 3 bureaus ) immediately shut me down and locked me out again and it's been since XXXX since I've been able to obtain any one of my three credit reports. Its like they are all working in concert with each other to prevent me from exceling in life. After I sent them copies of my state ID and Social Security card they keep telling me I'm not me I do believe that's 18 violations on top of all the other Inaccuracies on my credit reports. From what I saw in XXXX XXXX XXXX has my name in 100 different derivatives XXXX  yes that would make a person look fraudulent Under 15 US Code Subsection 1681 n - civil liability for willful noncompliance. 

I was on the phone with XXXX just 5 minutes ago again ( XX/XX/XXXX XXXX XXXX  EST ), and the guy I was talking to ( XXXX ) told me I am not sending you your credit report. until after I send it to the maintenance department to fix the inaccuracies. Then it will be sent to you. 
That in itself, shows willful noncompliance. 

I wish I could attach files, but I can't. Because they haven't given me my credit report since XXXX was six years before that in XXXX. Once again after multiple times of sending them copies of my ID and Social Security card XXXX XXXX.

Company response to consumer: Closed with explanation