vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: LendingPoint Holdings LLC
State: NY

Complaint narrative:
I used LendingPoint to obtain a loan for {$15000.00} to pay for the cosmetic dentistry work. 
The loan terms were interest free for 2 years and the loan was initiated in XXXX. 
I made a few payments manually and then set up automated payments monthly, but unfortunately, I failed to set them up correctly and the automated payments were not made. After some time ( around XX/XX/year> ) I realized that I didn't have the payments reflected in my monthly account statements and I called LendingPoint asking whether they received any payment. The confirmed that the payments were not received. 
Meanwhile, I didn't receive a single email, letter, or phone call from the company notifying me of defaulting on the loan. 
When I tried to reenroll in the automated payments, the LendingPoint representative stated the loan had been sold tot he third party. It took another couple of months and weekly back and forth with the company to understand what happened as they initiated an internal investigation. Eventually, they confirmed that there was a mistake and my profile was marked as 'DO NOT CONTACT ' hence no communication received. I asked to reinstate the loan and automated bigger payments and they denied the request. It took them 2 months to give me the third party name ( XXXX  ), however, they still didn't provide me with the contact number. LendingPoint negligence and carelessness resulted in the severe damage to my credit history. In addition, they still haven't disclosed the new terms of the loan they sold to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am reaching out to formally dispute the inclusion of a bankruptcy on my credit report, as this entry is inaccurate. I have a letter directly from the court that clearly confirms this bankruptcy should not have been reported to your agency or reflected on my credit report. Despite this official documentation, the bankruptcy still appears on my record, which is both alarming and unjustified. Additionally, the involvement of an unauthorized third party in this matter further complicates the situation and raises concerns about the accuracy and security of my personal information. This makes the issue even more serious, as it not only reflects an error in reporting but also a breach of trust regarding the handling of my sensitive data.

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 2024-10-28 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: PA

Complaint narrative:
To whom this may concern, my name is XXXX XXXX XXXX, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1681-2 ( a ) and ( c ) and 15 U.S.C 1681-B, to demand the immediate removal of the accounts listed on my credit report. These accounts were added without my express written consent, violating my rights! Federal law prohibits reporting any credit information without direct authorization, and the lack of my consent renders these listings both authorized and potentially indicative of identity theft. I am therefore demanding the prompt deletion and permanent removal of all the referenced accounts.

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 2024-10-28 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: PA

Complaint narrative:
To whom this may concern, my name is XXXX XXXX XXXX, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1681-2 ( a ) and ( c ) and 15 U.S.C 1681-B, to demand the immediate removal of the accounts listed on my credit report. These accounts were added without my express written consent, violating my rights! Federal law prohibits reporting any credit information without direct authorization, and the lack of my consent renders these listings both authorized and potentially indicative of identity theft. I am therefore demanding the prompt deletion and permanent removal of all the referenced accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING

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 2024-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: CO

Complaint narrative:
On XX/XX/2024 I opened a dispute regarding XXXX XXXX XXXX XXXX 

The dispute was regarding the item not being in the delivered package. I also supplied both XXXX and CashApp the card issuer of my debit card that I am doing the dispute through a police report from XXXX XXXX Police Department that I filed when the missing item was discovered since the value of the scooter was over {$1000.00}. 

XXXX informed me that CashApp as refunded the transaction back to them, but has not yet distributed it to my account. I have received no update or information from CashApp, nor the temporary credit required from Regulation E. 

Every time I attempt to reach out to CashApp, I am met with " We have no information for you '' leaving me no other choice but to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: DISCOVER BANK
State: PA

Complaint narrative:
After reviewing my credit report, I discover accounts that I did not authorize. I'm sorry that I did not recognize or apply for about further investigation. I realized that my personal information was exposed, and several data breaches as well.

I have no recollection of applying for any of these accounts in question, and they are negatively, negatively. Oh, my gosh! Impacting my credit per section 50, Usc, 1,681 c dash 2. Any fraudulent accounts. That I did not authorize or signed a contract for must be removed off my credit report in 4 days.

These these fraudulent accounts are not only damaging my credit, but also causing me significant stress and XXXX Okay, I have no connection to these accounts, and urgently request their immediate removal to prevent to prevent any further harm to my financial well being

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: NY

Complaint narrative:
These account is not showing maximum possible accuracy according to 15 U.S.C. 1681e ( b ) please view attachment for detail

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 2024-10-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I opened a Rooms-To-Go Synchrony card for {$1800.00} and signed a contract for 60 months interest free. The interest free was to last from XXXX of XXXX to XXXX of XXXX which Synchrony confirmed was correct today on the phone. Twice ( at least a year a part ) I have checked my statement and realized I was getting charged interest each month. The 1st time sometime in early XXXX I called and they said it was a system error and they would correct the account. I checked my account today XX/XX/XXXX and they have begun charging interest again as far back as XXXX of XXXX ( which is as far as my online statements will show ). It is unfair to have a 0 % interest contract for 60 months and be charged interest at 34.99 % when I have never missed a payment and was never notified of any changes to the original contract. Also Synchrony said it would take 30-60 days to reflect the changes to my statement/account which I think is incredibly too long of a waiting period to correct an issue that was internal and not my fault.

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 2024-10-28 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: NY

Complaint narrative:
Online merchant XXXX automatically charged me for XXXX subscriptions in the amount of {$91.00} each for a total of {$180.00}, orders were placed on XX/XX/XXXX and XX/XX/year>. They never shipped out these products, and I tried numerous times to contact them, but their customer service line is disconnected, no response back to my emails, no responses back from social media DM 's, their social media account comments are also limited. 

I contacted my Macy 's American Express card to dispute these XXXX charges that were made using this card, and both disputes were denied without reason. I have reopened the disputes, called numerous times to be hung up and not given a reason why I can not get my money back for my losses.

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 2024-10-28 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: MI

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am reaching out to formally dispute the inclusion of a bankruptcy on my credit report, as this entry is inaccurate. I have a letter directly from the court that clearly confirms this bankruptcy should not have been reported to your agency or reflected on my credit report. Despite this official documentation, the bankruptcy still appears on my record, which is both alarming and unjustified. Additionally, the involvement of an unauthorized third party in this matter further complicates the situation and raises concerns about the accuracy and security of my personal information. This makes the issue even more serious, as it not only reflects an error in reporting but also a breach of trust regarding the handling of my sensitive data.

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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: MN

Complaint narrative:
I have asked Waypoint for the original account number & how old the debt is. I did have a XXXX account more than 7 years ago. When i called XXXX directly they told me, they do use waypoint but could not find any delinquent accounts under my name, previous emails, or previous addresses. One account showed in their system with no information. I asked why they could not take it off if they are the ones on my credit report, and they told me to reach out to waypoint for verification. When i did they wanted my social security and a XXXX  to look up my account. The same thing XXXX XXXX did. When I refused to pay XXXX XXXX  they said they can't help me.

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 2024-10-28 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: AL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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 need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: PA

Complaint narrative:
The fraudulent entries on my consumer report remain despite multiple disputes. These unauthorized items are the result of documented identity theft and were never authorized by me. Your continued reporting of this information violates federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: FL

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: FL

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-10-28 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$1600.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$420.00} XX/XX/XXXX XXXX, IN XXXX {$96.00} XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 non-monetary relief
Consumer complaint received 2024-10-28 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: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief