vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-20 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: IL

Complaint narrative:
I am writing again because Im fed up with the lack of action regarding the accounts on my credit report that are still in litigation. Ive contacted you repeatedly to address this issue, but nothing has been resolved. These accounts are inaccurately reported and are negatively affecting my credit score.

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 2024-12-20 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: MS

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I noticed unauthorized inquiries on my credit from XX/XX/year>.

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 2024-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
I am a Sam 's Club  XXXX XXXX XXXX holder. The card is issued by Synchrony. The company sent me multiple emails informing me of a special limited-time offer. The offer goes like this. Synchrony will award me {$10.00} if I make a purchase on insurance, gym membership, Internet, utilities, cellphones & landlines, and streaming services between XX/XX/XXXX and XX/XX/XXXX, AND a second consecutive bill the following month. I can earn up to {$50.00} in total. 

I did all of that. I made - Two payments to XXXX on XXXX and XXXX. 
- Two payments to XXXX XXXX XXXX XXXX on XXXX and XXXX - Two payments to XXXX on XXXX and XXXX - Two payments to XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX - Two payments to XXXXXXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. 

After two months, I had not received any rewards as promised. So I called the company on XX/XX/XXXX to complain and ask for what I was owed. The customer agent did not know anything about this campaign and tried rushing me away. After that, I filed a complain to the XXXX XXXX XXXX XXXXXXXX. They sent me today a note saying that they deposited a {$10.00} credit to my account. I do not believe that is enough. I should have got {$50.00}. 

I could not contact them in anyway. I could not email them. I could not send them a message. What's the point of calling if the agents don't know anything?

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 2024-12-21 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name XXXX XXXX XXXX XXXXXXXX Account Name 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 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 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I would like to dispute these inaccurate accounts on my credit report. 

Equifax : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, and again on XX/XX/XXXX, I received a notice I was impacted by the Equifax Data Breach Settlement. I submitted my claim form for the Equifax data leak, along with my change of address. Since then, I have submitted several forms, but they refuse to acknowledge that I am part of the settlement. I have all the paperwork for my claim submission ; however, they continue to deny my compensation. The Equifax settlement operator insists that I am not part of the settlement. At one point, I was told they couldn't find my claim, and then I was informed that it was submitted after the due date, despite my claim clearly stating that it was submitted on XX/XX/XXXX, well before the XX/XX/XXXX deadline for paperwork submission. 

Additionally, I have proof that I was impacted by the breach, but they will not accept my evidence, which includes the dates filed, the receipt received, and all corresponding emails. It is frustrating that I can demonstrate my claim was filed before the deadline, yet they refuse to recognize it. 

Why won't Equifax take responsibility for their wrongdoing, especially when the documentation clearly shows that my claim was submitted on time? I have been fighting this matter since XX/XX/XXXX and have all the necessary records. I urgently request your assistance in resolving this issue, as this credit company refuses to acknowledge its errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account name XXXX XXXX XXXX, Account number XXXX, 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 : Also states a consumer reporting agency can not furnish a account without my written instruction.

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 2024-12-20 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: SC

Complaint narrative:
In accordance with the Fair Credit reporting act XXXX account name XXXXXXXX XXXX XXXXXXXX, Account number XXXX, 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 a account without my written instruction.

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 2024-12-20 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: SC

Complaint narrative:
In accordance with the Fair Credit reporting act XXXX account name XXXXXXXX XXXX XXXXXXXX, Account number XXXX, 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 a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: GA

Complaint narrative:
Since XX/XX/2024, I have sent written requests to have inaccurate information removed form my report. As of today, none has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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:
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 2024-12-21 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: FL

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 2024-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Quite silly. The right hand at Shellpoint NewRez does not know what the left hand is doing. Quite simply, using my XXXX XXXX XXXX Checking Account, I enrolled in Bill, XXXX XXXX XXXX XXXX  payment service. NewRez shows up as a " XXXX XXXX XXXX '', and there is no option to enter address information because they are a recognized enrolled payee. 

It is unfortunate that NewRez does not keep their enrollment with XXXX  up to date with an accurate zip code and possibly other information. As a result, payments made to NewRez may be rejected. NewRez will improperly charge a late fee because funds/payments sent to NewRez gets rejected. When I contacted NewRez, they simply state that they are not enrolled in Bill and they act like they don't know their own company. 

I refuse to pay the late fee charged, and NewRez through another representative, agrees that they are in-fact a registered payee with XXXX and XXXX XXXX XXXXXXXX XXXX can pay.

What has apparently happened is that NewRez was involved with a merger/acquisition by Shellpoint and a new XXXX enrollment was created, however, the NewRez information had not been updated. These are NewRez issues, not my issue. NewRez must remove a second late fee added to my account due to the fact that NewRez chose to deny their enrollment with Bill but instead provided false information and refused to work with me to resolve. They MUST remove the second late fee added for the same reason without further delay.

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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows :

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 2024-12-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have asked at least 8 time to show me proof of debt or take off my report after I asked 4 times to remove as this is not my debt. 

Also they show XXXX as a debt twice on my report and its NOT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: GA

Complaint narrative:
Since XX/XX/2024 I have sent several written responses to have all inaccurate and none authorized reporting removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: GA

Complaint narrative:
Since XX/XX/year> I have sent several written responses to have all inaccurate and none authorized reporting removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: MS

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

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 2024-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
On Tuesday, XX/XX/2024, I deposited into my Citibank Savings Account, which is tied to my checking account and another savings account, two checks in the amount of {$4500.00} ( one check for {$4000.00}, another for {$500.00} ) via mobile deposit. The following day, on XXXX, XX/XX/2024, Citibank restricted my accounts pending a XXXX investigation because the checks were deemed fraudulent. On Friday, XX/XX/2024, following the investigation by Citibank 's fraud department, I was informed my accounts would be subject to closure. I subsequently went to the branch to withdraw all remaining funds from my accounts except for the account which the {$4500.00} checks were deposited into. 

That same day, on XX/XX/XXXX, I opened an account with another banking institution ( XXXX ). 

On Tuesday, XX/XX/XXXX, I was told by Citibank that there was no pending balances on my account. The following day, Wednesday, XX/XX/XXXX, Citibank told me that I can deposit the checks elsewhere as they did not clear, and both the financial issuer of the check ( XXXX XXXX ) and the maker told me to make a deposit into my new Chase account. XXXX then told me the following day, Thursday, XX/XX/XXXX, that the funds from the check were cashed by Citibank and they placed a hold on my account. Citibank told me today, Friday, XX/XX/XXXX, that the funds were posted and I needed to get verification from the makers of the check who gave it to me. After two calls on the same day to the bank, I was then told the phone call was not enough, and I need to provide business documents demonstrating ownership of the maker, business articles, and other proofs, which I lack because I am a student who received a scholarship check. As of now, I have to go to a Citibank branch tomorrow or Monday to submit additional documents, and my account remains locked. My XXXX account also remains locked as well, and I am not sure what to do.

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 2024-12-21 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent Account name XXXX XXXX, Account number XXXX, 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 : Also states a consumer reporting agency can not furnish a account without my written instruction.

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 2024-12-21 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: PA

Complaint narrative:
XXXX has several accounts of my credit report that have been charged off/closed/paid. Since I was never provided with a 1099c tax form showing how these cases were handled, there is no way of disputing the accuracy of the balance owed regarding said accounts, which remain on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: PA

Complaint narrative:
XXXX has several accounts of my credit report that have been charged off/closed/paid. Since I was never provided with a 1099c tax form showing how these cases were handled, there is no way of disputing the accuracy of the balance owed regarding said accounts, which remain on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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