vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I called Equifax 3 times on XX/XX/XXXX to address my credit report that shows no credit line history at all! XXXX and XXXX properly reports all of my credit cards on their credit history. My resolving credit line information was correctly reported on Equifax credit reports last year in XXXX, but now it is blank. Equifax reps all claim that since my credit line history is now blank, they can not dispute anything and to reach out to my banks to send the information. My banks already confirmed that all XXXX credit reporting agencies are receiving the information. It is improbable that all my banks stopped sending the information only to Equifax when my banks ' reps all confirm that they do on a monthly basis ( e.g., after billing cycle ends or every XXXX week of the month ). 

At least XXXX of my credit lines was incorrectly reported on a relative 's account who disputed it back in XX/XX/XXXX and had it correctly removed from their account, but that credit line was never properly placed back into my credit history file. In fact, now all of my revolving credit line history is gone! Equifax reps and supervisors are refusing to look into prior disputes on other accounts that are related to my credit lines and how all of my resolving credit lines are missing. Even after asking the relative to call and get the dispute number from last year to help Equifax track down XXXX of my missing credit lines, Equifax said that they can not open up the dispute to investigate! They claim that all of my credit card issuing banks ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, etc. ) have never sent them my information when that is false because they were all there on a prior Equifax report last year! 

Equifax refuses to own up to the problem that's caused on their end and keeps telling me to contact my banks and stonewalling me. Their dispute resolution process is unhelpful and is jeopardizing my mortgage loan. I need to close on my first home in less than XXXX  days and my loan XXXX is saying that I need a credit score from all XXXX credit reporting agencies in order to qualify for the loan. Equifax failing to address this issue on their end that may prevent me from closing on my house in time and lose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
I have a XXXX  charge card to XXXX XXXX through XXXX Bank. I owed XXXX I lost work due to winter and I could not pay. I asked them to close the account as to which they will not do and have charged me so much interest and late fees due to them not closing the account that I now owe {$340.00}. They keep charging me almost {$100.00} per month in late fees and interest. The limit on the card is only {$200.00} and has not been used for a very long time. I want the account closed and to settle on the amount as I asked them last month.

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My identity was stolen I did not open various accounts credit cards etc in my name XXXX XXXX XXXX XXXX loans XXXX  loan and utilities

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-04-19 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
First of all, they closed all three accounts without notice when they were all in good standing. Now if i am late one day, they are calling me which seems to be every day. I have told them to stop calling my work phone number and gave them another number they could call and it stopped for a while but now they are calling me every day multiple times a day. People get behind and i have told them but nothing sinks in. I have a business to run and they need to stop calling my work number and call the phone number i have provided. Also i keep getting emails to change my address but the online portal wont allow it. I pay my bills just a little late it not like i can go run up a card again. This is starting to feel like harassment. I will never recommend synchrony for as long as i live.

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 2024-04-19 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: CA

Complaint narrative:
I am writing to challenge the presence of a fraudulent item currently listed on my credit report. Despite sending my initial dispute letter and the required documentation to the Federal Trade Commission ( FTC ) in accordance with your guidelines, this item remains on my credit report. After contacting the creditor linked to this item, they acknowledged its fraudulent nature. Consequently, the item has been removed from XXXX and XXXX. I have also provided the company with all necessary documentation to substantiate my claim. 

Bankruptcy XXXX  XXXX Discharged Reference : XXXX Date Filed XX/XX/year> Court US BKPT CT 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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report.

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items.

The identity of the entity or entities responsible for conducting the verification process.

Any documentation or evidence used to substantiate the accuracy of the disputed items.

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
i recently took a look at my consumer report and noticed a unauthorized account on my report i did not apply for or authorize which violated my rights and i would like it removed asap seeing it had a negative affect on 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 2024-04-19 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 recently took a look at my consumer report and noticed a unauthorized account on my report i did not apply for or authorize which violated my rights and i would like it removed asap seeing it had a negative affect on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Dear CFPB : In XX/XX/year>, I received an email invitation to apply for a Capital One Quicksilver credit card that came with a promotional bonus of {$200.00} if I spent {$500.00} within XXXX months. I applied and was approved for a {$3000.00} credit limit. I met the {$500.00} spending requirement before the XXXX months timeframe but noticed the promised {$200.00} bonus did not reflect on my online account.

I called Capital One and was told by the customer service agent that I was not eligible because the bonus was only meant for customers with 'excellent credit '. He insisted I applied for a variant of the Quicksilver card for customers with 'good credit ' which did not come with a bonus. I told him I had/have excellent credit with an average score of XXXX out of a possible XXXX and was sure I applied for the right card.

He then transferred me to a supervisor who did not resolve the problem and only escalated the matter with a promise that someone would get back to me. I have no confidence this escalation would lead to a satisfactory outcome.

It seems to me Capital One is dealing a sleight of hand and has no intention of fulfilling its advertised promise of a bonus.

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report.

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items.

The identity of the entity or entities responsible for conducting the verification process.

Any documentation or evidence used to substantiate the accuracy of the disputed items.

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: NJ

Complaint narrative:
I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: NJ

Complaint narrative:
I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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 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 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 explanation
Consumer complaint received 2024-04-19 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: FL

Complaint narrative:
The late payment showing on my report are completely inaccurate. I keep immaculate records of payment history across all my bills and accounts, and there should be no late payment showing here. Inaccurate late payment like this is preventing me from obtaining credit that I'm trying to apply for because it's affecting my credit worthiness. Please be aware that inaccurate credit information can't be reported.

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 2024-04-19 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: TX

Complaint narrative:
After reviewing Consumer laws I have found out that in accordance with the fair reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. XXXX XXXX  Account # XXXX 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 an account without my written instructions. 15 U.S.C 1681 ( 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 on 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate. These inaccuracies are stopping me from obtaining credit for my family.

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 2024-04-19 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: TX

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX regarding the unauthorized reporting of accounts on my credit profile, which has resulted in financial harm. I am deeply concerned about the violation of my consumer rights as outlined under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2.

I have identified the following accounts that have been reported without my written permission : Account # XXXX : XXXX or [ XXXX ] Account # XXXX : XXXX or [ XXXX ] According to 15 USC 168162 , I have not provided written permission for XXXX XXXX XXXX to include any information pertaining to these accounts on my credit profile. Additionally, the FCRA mandates that furnishers of information to consumer reporting agencies, such as XXXX XXXX XXXX, have a duty to provide accurate information. Section 1681s-2 ( a ) ( 1 ) ( A ) explicitly prohibits the reporting of information with actual knowledge of errors.

The unauthorized reporting of these accounts has caused me significant financial harm, including : XXXX. Damage to my credit score, resulting in higher interest rates and decreased access to credit opportunities. 
XXXX. Costs associated with disputing inaccuracies on my credit report, including fees for credit monitoring services and legal assistance. 
XXXX. Loss of opportunities or benefits due to the negative impact on my credit history, such as being denied loans or employment opportunities. 

In addition to financial harm, I am deeply distressed by the violation of my consumer rights and the impact it has had on my financial well-being. The unauthorized reporting has caused me considerable anxiety and stress, as well as frustration at the disregard for my privacy rights. 

Furthermore, I have identified XXXX violations on the reported accounts, including the failure to provide me with real proof of these accounts with a wet signature, as required by law. 

As a result of these violations and the inaccuracies found on the reported accounts, I demand compensation of {$1000.00} per violation. Additionally, I insist that both accounts be removed from my credit profile immediately. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against XXXX XXXX XXXX for their non-compliance with federal regulations. I also demand that XXXX XXXX XXXX cease all reporting activities related to my accounts Thank you for your prompt attention to this matter. I look forward to a resolution that upholds my consumer rights, ensures fair and accurate reporting practices, and addresses the financial harm I have suffered, including the compensation I have requested.

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My identity was stolen I did not open various accounts credit cards etc in my name XXXX credit cards XXXX loans auto loan and utilities

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
My identity was stolen I did not open various accounts credit cards etc in my name XXXX credit cards XXXX loans auto loan and utilities

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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