vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-05 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: CA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately, i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates XX/XX/2024 XXXX I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-05-05 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC
State: AZ

Complaint narrative:
Never received any notice addressed to me of debt from the company. Was unaware of the debt until I saw it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 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: CA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately, i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates XX/XX/2024 XXXX I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-05-05 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: CA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately, i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates XX/XX/year> XXXX I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 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: NY

Complaint narrative:
Upon reviewing my credit report, I noticed that I had unauthorized hard inquiries that were never initiated by me. I also noticed a fraudulent account on my credit report under XXXX XXXX that once again has never been opened nor initiated by 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 non-monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I am writing to formally complain Lowe 's Home Improvement regarding multiple instances of unacceptable service, unprofessional behavior by delivery personnel, and the handling of damaged goods sold to me. This ongoing issue has caused significant inconvenience and distress, and repeated attempts to resolve the matter directly with the store have been ignored.

I purchased a refrigerator using my Lowe 's credit card from the Lowe 's store in XXXX, Illinois. The first delivered refrigerator arrived damaged. After contacting the store for a resolution, I was promised a replacement. During this interaction, the delivery personnel exhibited aggressive and rude behavior within my home, which I reported to the store management. The store manager acknowledged these issues and offered compensation for the poor service experienced. 
However, the replacement refrigerator delivered, also arrived with damages and was improperly installed. Specific issues included failure to install the shelves, and refusal to remove protective shipping materials such as tape. The delivery team insisted that it was my responsibility to complete these tasks, contrary to standard appliance installation procedures. I documented these issues through photographs and communicated them via email to the store manager, requesting a resolution. Despite these efforts, there has been no response to my emailedconcerns, from either XXXX XXXX or XXXX XXXX for over 3months despite having charged my credit card full price.

This pattern of behavior from Lowe 's staff, both in-store and during deliveries, reflects a disregard for customer satisfaction and standard business practices. I am seeking the FTCs intervention to facilitate a response from Lowe 's management regarding a resolution to these ongoing issues. It is unreasonable for a consumer to accept damaged goods and endure poor service without recourse.

I appreciate your attention to this matter and look forward to your support in resolving these repeated and unresolved issues with Lowe 's Home Improvement.

Thank you,

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 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Upon reviewing my credit report, I have discovered multiple instances of fraudulent entries that I did not authorize or consent to. These discrepancies are detrimental to my financial well-being and may impact my ability to secure credit in the future.

I am hereby invoking my rights under the Fair Credit Reporting Act ( FCRA ) to request that XXXX conduct a thorough investigation into these fraudulent activities. I request that any unauthorized information be promptly removed or corrected in accordance with the FCRA. 

I expect XXXX, XXXX, Experian to comply with the statutory requirements outlined in the 15 U.S. Code 1601 and to resolve this matter within the timeframe stipulated by law.

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 2024-05-05 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: PNC Bank N.A.
State: IL

Complaint narrative:
I am writing once again to express my ongoing frustration and dissatisfaction with the processing of my hardship requests by PNC Mortgage. Despite my previous complaint and efforts to resolve this matter through provided channels, it appears that the same issues persist, undermining my trust in your processes. 

I submitted an initial hardship request due to a leave of absence lasting six months. Contrary to my expectations of a comprehensive solution, I was only offered temporary relief for two months. This partial response failed to address the full duration of my hardship, prompting my subsequent complaint.

Following the partial resolution, I was advised to resubmit the same request. I complied, clearly stating my hardship would extend through XXXX. Yet, I received another inadequate response that only covered me until XXXX. This repetitive cycle of resubmissions without full consideration of my stated needs is not only exhausting but also inefficient and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 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: TX

Complaint narrative:
I have just recently learned that I am a victim of identity theft, I have taken al the steps to file police reports and etc reports and other actions to support my claim for these fraudulent accounts that have been opened in my name fraudulently, unfortunately the CFPB has failed me and my request in order to investigate these alleged allegations to support my claim for identity theft and these fraudulent accounts that have been opened in my name, I am respectfully asking for the CFPB to get involved in my claim and to help support my request and remove the fraudulent accounts that have been opened in my name without my consent, attached is supporting documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 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: TX

Complaint narrative:
I have just recently learned that I am a victim of identity theft, I have taken al the steps to file police reports and etc reports and other actions to support my claim for these fraudulent accounts that have been opened in my name fraudulently, unfortunately the CFPB has failed me and my request in order to investigate these alleged allegations to support my claim for identity theft and these fraudulent accounts that have been opened in my name, I am respectfully asking for the CFPB to get involved in my claim and to help support my request and remove the fraudulent accounts that have been opened in my name without my consent, attached is supporting documents to support my claim.

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 2024-05-05 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:
This account is consistently reporting a balance that's not correct, they closed the account and opened up another account number and extended me credit in that account, but kept the balance of the old account, also, the balance is not reporting correctly and is steady increasing despite payments being made. XXXX is not doing well by me and this account is killing my credit.

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 2024-05-05 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: TX

Complaint narrative:
This account is consistently reporting a balance that's not correct, they closed the account and opened up another account number and extended me credit in that account, but kept the balance of the old account, also, the balance is not reporting correctly and is steady increasing despite payments being made. XXXX is not doing well by me and this account is killing my credit.

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 2024-05-05 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: NY

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-05-05 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: NY

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: The Aligned Company DBA Extra
State: AZ

Complaint narrative:
My identity was stolen and used to open multiple accounts including one at XXXX also known as ALIGNED COMPANY. I notified XXXX of the identity theft multiple times and requested removal / block from my credit report. Although they have updated the account to show closed / paid, negative entries from past missed payments still appear, which affects my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Upon reviewing my credit report, I have discovered multiple instances of fraudulent entries that I did not authorize or consent to. These discrepancies are detrimental to my financial well-being and may impact my ability to secure credit in the future.

I am hereby invoking my rights under the Fair Credit Reporting Act ( FCRA ) to request that TransUnion conduct a thorough investigation into these fraudulent activities. I request that any unauthorized information be promptly removed or corrected in accordance with the FCRA. 

I expect TransUnion, XXXX, XXXX to comply with the statutory requirements outlined in the 15 U.S. Code 1601 and to resolve this matter within the timeframe stipulated by law.

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 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Upon reviewing my credit report, I have discovered multiple instances of fraudulent entries that I did not authorize or consent to. These discrepancies are detrimental to my financial well-being and may impact my ability to secure credit in the future.

I am hereby invoking my rights under the Fair Credit Reporting Act ( FCRA ) to request that XXXX conduct a thorough investigation into these fraudulent activities. I request that any unauthorized information be promptly removed or corrected in accordance with the FCRA. 

I expect XXXX, Equifax, XXXX to comply with the statutory requirements outlined in the 15 U.S. Code 1601 and to resolve this matter within the timeframe stipulated by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am writing to request verification of a debt that has been reported to credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of this debt. 

Details of the debt are as follows : Creditor Name : DSNB Macy 's Amount of Debt : {$1100.00} Date of Last Activity : Unknown I am requesting verification of this debt, including but not limited to : 1. Documentation establishing the validity of the debt.

2. Verification that the debt collector has the legal right to collect the debt. 
3. A copy of the debt purchase agreement between the original creditor and the debt collector including all the terms and conditions of the purchase agreement.

Please provide the requested verification within the timeframe prescribed by law. I understand that failure to provide verification may result in the removal of the debt from my credit report.

Thank you for your prompt attention to this 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 2024-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am writing to request verification of a debt that has been reported to credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of this debt. 

Details of the debt are as follows : Creditor Name : Synchrony Bank Amount of Debt : {$690.00} Date of Last Activity : Unknown I am requesting verification of this debt, including but not limited to : 1. Documentation establishing the validity of the debt.

2. Verification that the debt collector has the legal right to collect the debt.

3. A copy of the original debt purchase agreement between the original creditor and the debt collector, including all the terms and conditions that are included in the debt purchase agreement.

Please provide the requested verification within the timeframe prescribed by law. I understand that failure to provide verification may result in the removal of this debt from my credit report.

Thank you for your prompt attention to this 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 2024-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am writing to request verification of a debt that has been reported to credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of this debt. 

Details of the debt are as follows : Creditor Name : XXXX XXXX Amount of Debt : {$690.00} Date of Last Activity : Unknown I am requesting verification of this debt, including but not limited to : 1. Documentation establishing the validity of the debt.

2. Verification that the debt collector has the legal right to collect the debt.

3. A copy of the original debt purchase agreement between the original creditor and the debt collector, including all the terms and conditions that are included in the debt purchase agreement.

Please provide the requested verification within the timeframe prescribed by law. I understand that failure to provide verification may result in the removal of this debt from my credit report.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 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: NY

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 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: CT

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am writing to request verification of a medical debt that has been reported to credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of this debt. 

Details on the debt are as follows : Creditor Name : XXXX XXXX Amount of Debt : {$3100.00} Date of Last Activity : Unknown I am requesting verification of this debt, including but not limited to : 1. Documentation establishing the validity of the debt.

2. Verification that the debt collector has the legal right to collect the debt. 
XXXX. A copy of the original debt purchase agreement between the original creditor and the debt collector, including all the terms and conditions of the original debt purchase agreement.

Please provide the requested verification within the timeframe prescribed by law. I understand that failure to provide verification may result in the removal of this debt from my credit report. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation