vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I traveled to XXXX and accessed my XXXX account but was unaware that XXXX is not a supported country. It's ok that the account was locked at that time, but upon returning to XXXX XXXX, XXXX  XXXX, my account is still locked and support has not helped at all. I can not get through, I receive automated messages, and I need my account unlocked ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: LA

Complaint narrative:
I am writing to formally dispute the validity of a tradeline appearing on my XXXX credit report. As required under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), XXXX is obligated to ensure the maximum possible accuracy of information on consumer reports and to conduct a timely investigation of disputed items. However, the tradeline referenced below has not been validated within the required timeline, and I am requesting its immediate removal :

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 2025-01-09 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: LA

Complaint narrative:
I am writing to formally dispute the validity of a tradeline appearing on my XXXX credit report. As required under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), XXXX is obligated to ensure the maximum possible accuracy of information on consumer reports and to conduct a timely investigation of disputed items. However, the tradeline referenced below has not been validated within the required timeline, and I am requesting its immediate removal :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: CA

Complaint narrative:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-01-09 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On XX/XX/XXXX, an unauthorized in-store purchase of approximately {$1900.00} was made using my XXXX ( Synchrony Bank ) credit card at a XXXX store XXXX. I discovered this fraud after receiving a letter from Synchrony Bank about an unauthorized credit line increase request that I did not make. My physical card has been in my possession and unused for years, indicating a serious security breach. 

Timeline of Events : - XX/XX/XXXX : Unauthorized {$1900.00} purchase made at XXXX store - XX/XX/XXXX : Received letter from Synchrony about unauthorized credit line increase request Attempts to Resolve : XXXX. Contacted Synchrony Bank 's fraud department multiple times, spoke with numerous overseas customer service reps who barely understood me. 
XXXX. Submitted fraud complaint to fraud department, I was told there would be a follow up but I never heard back. 
XXXX. Bank never provided me with a reference number regarding my case. 

Documents Available : - Synchrony Bank letter regarding unauthorized credit line increase - Screenshot of fraudulent charges made on the card Desired Outcome : I want Synchrony Bank to : XXXX. Remove the fraudulent charges immediately XXXX. Provide detail on how my personal information was compromised XXXX. Implement proper security measures to prevent future unauthorized charges XXXX. Provide written confirmation of all actions taken This situation has caused significant distress and required substantial time to address. The combination of fraudulent charges and an unauthorized credit line increase request suggests serious identity theft concerns that Synchrony Bank has failed to address appropriately.

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 2025-01-09 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: CA

Complaint narrative:
I was a victim of identity theft from a Equifax data breach some years ago ( I believe 2015 ). I have been attempting to resolve this issue for several years, however the credit bureaus have refused to remove the fraudulent accounts. Due to this misreporting, I have lost job opportunities, I have not been able to qualify for a home and denied credit. My privacy and security has been violated with no recourse. I have attached my identity theft report and other supporting documents to support my claim. These accounts need to be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: CA

Complaint narrative:
I was a victim of identity theft from a XXXX data breach some years ago ( I believe 2015 ). I have been attempting to resolve this issue for several years, however the credit bureaus have refused to remove the fraudulent accounts. Due to this misreporting, I have lost job opportunities, I have not been able to qualify for a home and denied credit. My privacy and security has been violated with no recourse. I have attached my identity theft report and other supporting documents to support my claim. These accounts need to be removed 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 explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
Several months ago I applied to Rocket Mortgage as my XXXX XXXX XXXX dad passed on XX/XX/year> ( unexpected accident ) after purchasing house XX/XX/year> together. 

My fathers passing I lost {$4400.00} per month income and needed time to regroup so I could continue paying mortgage. I was phoned and told to wait for additional team information that refinancing wasnt going to help me. Then weeks later I got email stating my fathers passing wasnt a hardship?? 

My fathers income was important enough during underwriting but now my loss of household income isnt a hardship? Sounds predatory lending to me after all I never once hid why my father and I were purchasing house due to his girlfriend kicking him out of her house and due to blindness I had to take care of him etc. I also am XXXX. 

If knowing a XXXX XXXX XXXX could die at any moment why did they proceed with mortgage oh yes because they wanted what was in his savings account for closing costs etc not caring that my income would force me to lose my home as I only bring home {$2600.00} a month income. 

I merely wanted a forbearance for 6 months with repayment being at end of 30 year mortgage but Rocket Mortgage online says they are still reviewing my application for help and that they will reach out to me. Nobody has other than mailings telling me Im over 30 days late ( {$1500.00} will be late as if XXXX XXXX as I have 14 day grace period ). So why does my credit report says Im 30 days late for {$3000.00}????? Predatory lending!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: GA

Complaint narrative:
I am filing this complaint to report that Experian has consistently and inaccurately reported late payments on my credit report related to my XXXX account. Despite my repeated efforts to have this matter investigated and resolved, Experian has failed to correct the inaccuracies and continues to report the false information. These late payment entries are completely incorrect and have caused significant harm to my credit score and financial standing. 

Here is a summary of the timeline of events and the actions Ive taken : I first became aware of the false late payment entries on my credit report when I received a copy of my Experian credit report. The report indicated that I had several late payments on my XXXX account, but I have verified that I was not late on any payments during the stated periods. I immediately contacted Experian to dispute this inaccurate information. 
Over the course of several months, I have submitted multiple dispute requests to Experian, requesting that they properly investigate and verify the accuracy of these late payment entries. In each case, I provided supporting documentation showing that I was not late on any payments during the reported periods. Despite my clear evidence, Experian has continued to report the inaccurate late payments without conducting a thorough or proper investigation. 
Failure to Investigate : Under the Fair Credit Reporting Act ( FCRA ), Experian is required to investigate disputed information and correct any inaccuracies within 30 days. However, Experian has repeatedly failed to conduct a proper investigation into the disputed late payments. Instead, they have allowed these errors to persist on my credit report without verifying the facts or providing me with a clear response regarding their investigation process. 
As a result of Experians failure to correct these inaccuracies, my credit score has been negatively impacted, and I have suffered harm, including higher interest rates and denial of credit. The continued reporting of these false late payments is damaging my financial reputation and ability to obtain reasonable terms on loans and credit products. 
FCRA Violations : I believe that Experian is in clear violation of the FCRA, which mandates that credit reporting agencies maintain the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ) and promptly investigate disputes ( 15 U.S.C. 1681i ). By failing to correct the erroneous late payment entries despite my repeated requests and providing no explanation for the continued inaccuracies, Experian is in violation of my rights under the FCRA.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
XXXX is the XXXX amount midland credit management has me in collections for, cant tell me for who or what. Turns out they dont care either. Ive disputed it, they keep putting it on there over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: DISCOVER BANK
State: CO

Complaint narrative:
XX/XX/XXXX I was on the phone with discover card while setting up my first credit line. The lady on the phone said I can increase the secured credit line if I pay more towards the deposit through the 6 month period. So I put the minimum {$200.00} towards the line. I activate it today XX/XX/XXXX. I call up the number on the card and ask how to increase the deposit and the line, they said that's not possible. If I were given the correct information I would have waited to start a {$2500.00} line instead, or choose a different company all together. I'm worried that if I wait to graduate the card, I will not hit that baseline {$2500.00}. I expect a company to give the correct information, hold their word, or at least correct the mistake when they don't. This puts me behind on bigger plans. This is unprofessional, inconvenient and shady as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
I submitted a dispute to XXXX  on XX/XX/year> with the dispute reference # XXXX and it was verified it didnt belong to me. Account is still reflecting on my credit report.

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 US 1681b 2. They also have no permission to report ANYTHING using my info pursuant to 15 USC 1681 4.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: CA

Complaint narrative:
I requested documentation proof of me being late on this account. Self financial is reporting two late payments that are not accurate. If you can not supply this, Please DELETE these alleged late payment from my credit report per 15 USC 1681b. Your company is in clear violation of the law under 15 USC 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: CT

Complaint narrative:
I my name is XXXX XXXX XXXX XXXX ) and I was a client with Lexington Law since 2017 and beyond they had a settlement regarding fees that they were charging clients and sent out checks but I did not receive one at the time my last name was different and Lexington Law spelled my first name wrong ( XXXX XXXX ) ( XXXX XXXX ) I signed up with this company several times I have emails that was sent to me regarding updates on my credit report going back 2017 and my client number was ( XXXX ) I used 2 different email : XXXX and XXXX and when I called Lexington Law they stated it was another client with the same issue as me so can someone look into this and reach out to me regarding this matter. 

Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$1500.00} Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$1300.00} Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$10000.00} Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$800.00} Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$2700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: FL

Complaint narrative:
They violated my rights as a consumer under 15USC1681B and I need these items blocked and deleted off credit report as soon as possible

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 2025-01-09 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: FL

Complaint narrative:
They violated my rights as a consumer under 15USC1681B and I need these items blocked and deleted off credit report as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: AL

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-01-09 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: AL

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-01-09 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief