vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
On XX/XX/year>, I tried to login to Equifax to review my credit report, it was blocked. I called the same day and was given the run around on the phone. 

On XX/XX/year>, I sent a copy of my Arkansas Drivers License and Social Security Card and requested my credit report be unblocked. I received a letter from them and basically they said they couldn't verify me. On XX/XX/year>, I sent a copy of my Arkansas Drivers license, Social Security card, and XXXX XXXX XXXX XXXX to self identify and my credit profile is still blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: MA

Complaint narrative:
I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CADENCE BANK
State: GA

Complaint narrative:
I applied for help in XX/XX/XXXX due to losing my job as a XXXX XX/XX/XXXX. I never missed a payment when I was employed. Once I depleted my unemployment I applied for a modification. The company denied my modification stating that I didnt live at my house. Which is incorrect I have documentation and address visage information from the post office stating when my address was changed a month after closing. The company did not uphold my pledge for help and they denied me from selling the home. Currently the mortgage is XXXX pass due and company collections calls me daily harassing me for payment. They purposely want to foreclose on my home because they are not operating in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
The Home Depot/CITI card wrongfully accuses me of making an in-store purchase of 112 cases of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) from its XXXX store located at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX on Thursday morning, XX/XX/XXXX. However, I never made such a purchase and never took possession of the 112 cases of flooring. Nonetheless, The Home Depot improperly charged my CitiBank card XXXX. XXXX the sum of {$7100.00} and refuses to erase the fraudulent charge. The Home Depot stands by this refusal despite knowing the precise date, time and location of the alleged transaction and the identity of the cashier ( XXXX ) who processed it. The Home Depot also stands by its refusal to erase the fraudulent charge despite its access to security footage that would confirm that I was not the purchaser of the flooring. On XX/XX/XXXX, The Home Depots Security Operations advised me that the missing flooring was picked up by XXXX at The Home Depots XXXXXXXX XXXX store. Later, Security Operations advised me this information was incorrect. I found out later that the flooring was picked up at the time of purchase at XXXX XXXX XXXX. I have proof that I was at work that day and a police report from XXXX XXXX XXXX stating that I was not the person that purchased or picked up the flooring. The Home Depot/CITI is charging me {$7100.00} for a purchase I never made.

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 2024-04-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have identified unauthorized inquiries on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: TX

Complaint narrative:
I am writing to express my deep disappointment with the lack of response to my previous dispute letters sent on [ date or dates ] regarding inaccuracies in my credit report. Despite your obligation under the Fair Credit Reporting Act ( FCRA ) to investigate and respond to consumer disputes in a timely manner, I have yet to receive any acknowledgment or resolution of my concerns.

As outlined in my previous correspondence, I have identified several discrepancies in my credit report that require immediate attention. These inaccuracies have the potential to adversely affect my financial standing and opportunities, which underscores the urgency of addressing them promptly.

I remind you of your responsibility under the FCRA to conduct a thorough investigation into the disputed items on my credit report and to provide me with a written explanation of the results within 30 days of receipt of my dispute letter. Failure to do so not only violates federal law but also undermines the integr
ity and purpose of credit reporting systems designed to ensure accuracy and fairness for consumers.

I hereby request that you expedite the investigation of my disputes and provide me with a comprehensive and transparent resolution at your earliest convenience. Additionally, I expect to receive written confirmation of the actions taken to rectify the inaccuracies in my credit report.

If I do not receive a satisfactory response within the specified timeframe, I will be compelled to explore all available legal avenues to enforce my rights under the FCRA, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel.

I trust that you will take immediate action to rectify this matter and uphold your obligations under the law. Thank you for your attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: NC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: TN

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-04-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Credit Fresh Holdings Inc
State: FL

Complaint narrative:
CreditFresh has so high fees that I can not pay my loan off even though I pay XXXX a month which doesnt touch my balance. The interest vs principal pay is ridiculous..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: IL

Complaint narrative:
I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.

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 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.

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 2024-04-30 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: NC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2024-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GB Collects, LLC
State: NY

Complaint narrative:
GB COLLECTS LLC has been contacting me for a debt that I don't owe. They have failed to provide any contract or any information regarding the alleged debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I WAS IN NJ RECENTLY, AND TRIED TO USE MY PAYPAL WORLD MASTERCARD. MY ORIGINAL CREDIT LINE WAS {$1500.00}. MY BALANCE WAS UNDER {$1000.00} AT THE TIME I TRIED TO USE IT ( XX/XX/2024 ). I TRIED TO USE IT AGAIN ON XX/XX/2024. I COULD NOT. I CALLED PAYPAL CUSTOMER SERVOCE AND THEY TOLD ME THAT THEY LOWERED MY CREDIT LINE TO XXXX XXXXXXXX-JUST LIKE THAT. I HAVE BEEN MAKING CONSISTENT, ON TIME, AND AMOUNTS WAY ABOUT THE MINIMUM PAYMENT EACH MONTH SINCE OPENING IT-AND THEY STILL LOWERED IT-AND WITHOUT ANY ADVANCE WARNING.

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 2024-04-30 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: TX

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: MD

Complaint narrative:
ILOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.

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 2024-04-30 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: TX

Complaint narrative:
I am writing to express my deep disappointment with the lack of response to my previous dispute letters sent on [ date or dates ] regarding inaccuracies in my credit report. Despite your obligation under the Fair Credit Reporting Act ( FCRA ) to investigate and respond to consumer disputes in a timely manner, I have yet to receive any acknowledgment or resolution of my concerns. 

As outlined in my previous correspondence, I have identified several discrepancies in my credit report that require immediate attention. These inaccuracies have the potential to adversely affect my financial standing and opportunities, which underscores the urgency of addressing them promptly. 

I remind you of your responsibility under the FCRA to conduct a thorough investigation into the disputed items on my credit report and to provide me with a written explanation of the results within 30 days of receipt of my dispute letter. Failure to do so not only violates federal law but also undermines the integrity and purpose of credit reporting systems designed to ensure accuracy and fairness for consumers. 

I hereby request that you expedite the investigation of my disputes and provide me with a comprehensive and transparent resolution at your earliest convenience. Additionally, I expect to receive written confirmation of the actions taken to rectify the inaccuracies in my credit report. 

If I do not receive a satisfactory response within the specified timeframe, I will be compelled to explore all available legal avenues to enforce my rights under the FCRA, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel. 

I trust that you will take immediate action to rectify this matter and uphold your obligations under the law. Thank you for your attention to this urgent matter.

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 2024-04-30 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: TX

Complaint narrative:
I am writing to express my deep disappointment with the lack of response to my previous dispute letters sent on [ date or dates ] regarding inaccuracies in my credit report. Despite your obligation under the Fair Credit Reporting Act ( FCRA ) to investigate and respond to consumer disputes in a timely manner, I have yet to receive any acknowledgment or resolution of my concerns. 

As outlined in my previous correspondence, I have identified several discrepancies in my credit report that require immediate attention. These inaccuracies have the potential to adversely affect my financial standing and opportunities, which underscores the urgency of addressing them promptly. 

I remind you of your responsibility under the FCRA to conduct a thorough investigation into the disputed items on my credit report and to provide me with a written explanation of the results within 30 days of receipt of my dispute letter. Failure to do so not only violates federal law but also undermines the integrity and purpose of credit reporting systems designed to ensure accuracy and fairness for consumers. 

I hereby request that you expedite the investigation of my disputes and provide me with a comprehensive and transparent resolution at your earliest convenience. Additionally, I expect to receive written confirmation of the actions taken to rectify the inaccuracies in my credit report. 

If I do not receive a satisfactory response within the specified timeframe, I will be compelled to explore all available legal avenues to enforce my rights under the FCRA, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel. 

I trust that you will take immediate action to rectify this matter and uphold your obligations under the law. Thank you for your attention to this urgent matter.

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 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Hello, When l logged into my chase app l saw an offer that stated a new program " XXXX XXXX XXXX '' and that the first transaction was free. 

I walked thru the prompts for the bellow transaction. When l submitted, there was a fee. So first transaction is free was untrue. 
I called chase right after l signed up for the plan and they stated you can't cancel, but if l pay my statement balance, l shouldn't incurr any fees. I did just that and l checked my statement, and l incurred my first fee of XXXX and the plan is still showing up in full with the entire XXXX months outstanding. 

Basically, they always get you for the initial fee, even if you pay it off early. 

And they refuse to credit your account for this fee. If l had not clicked their false advertisement of fisrt transaction is free and paid my statement in full for this transaction, like l always do, l would not have paid XXXX on this transaction. I feel this to be a junk fee that the bank is getting creative on and it's false and misleading. 
I paid my statement in full in XX/XX/XXXX, and it won't come off of my statement until the next statement. 

I have better cards that pay XXXX % cash back, and l will use those. 

Description XXXX Status XXXX Remaining principal {$XXXX} Remaining payments XXXX Plan start date XX/XX/2024 Original principal {$XXXX} Total payments XXXX Monthly fee {$XXXX Monthly plan payment {$XXXXXXXX} This includes the monthly fee. 

" Once a XXXX Chase XXXX appears on your statement, you can pay it off early without any penalties by paying your full statement balance. If you want to pay it off before then, you can pay your current balance. If you pay off a plan early, you wont incur any future fees for that plan. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-30 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I did a shopthrough purchase with XXXX XXXX XXXX XXXX : XXXX? XXXX With my freedom unlimited card ending in XXXX The term states I would get XXXX ultimate reward points if I click on the link and bought a subscription through the portal However, it has been over XXXX weeks and I have not got the XXXX ultimate rewards point, can you credit the XXXX ultimate rewards? The customer service rep on the phone is not helpful

Company response to consumer: Closed with explanation