vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-23 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:
This grumbling to TRANSUNION was the aftereffect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the Federal Credit Reporting Act, nor did they respond to it.

As a result, I am writing this complaint to ask for help blocking or deleting the items in question because they found to be illegal and incorrect.

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 2024-05-23 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: 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 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 2024-05-23 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: MD

Complaint narrative:
Under the Fair Credit Reporting Act, the accounts listed below have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX Account Number XXXX, and XXXX XXXX Account Number XXXX have violated my rights. 

Upon reviewing my Equifax, report on XX/XX/year>, I was deeply troubled to find that some information is incomplete and inaccurate. This has had a direct and negative impact on my financial standing, a situation that the Fair Credit Reporting Act is designed to prevent, as stated in 15 USC 1681 ( e ) ( b ).

Additionally, according to 15 USC 1681, if information is found to be inaccurate or incomplete after any reinvestigation, the consumer reporting agency must promptly delete or modify that information based on the results of the reinvestigation and notify the furnisher of the information.

Moreover, according to 15 USC 1681s-2, no information relating to a consumer should be furnished to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Last Thursday ( XX/XX/2024 ) I stopped by the ATM machine for Truist Bank located at the XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, NC XXXX ) to withdraw some money. I was in the middle of selecting how much cash I wanted and it displayed a message that it was retaining my card and then another message saying it was in middle of update. I went inside the bank where the teller told me this ATM keeps cards every week and the bank does nothing about it. She told me they come on Wednesdays to service it and get the retained cards. So, I went back today ( XX/XX/2024 ) to get my card and the teller says there were no cards and she does not know where it is. On top of that the temporary card she gave me last week does not work at all. A bank with practices like this is totally unacceptable. Now I must wait for a replacement card. Truist cares nothing about quality customer support and it really shows.

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 2024-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Recovery One, LLC
State: NC

Complaint narrative:
I hired safe lite to replace my driver side window. They did. Poorly. As I had to go back. 

I had to pay in full. You cant receive the service without paying. 

I have a bill from XXXX roadside. On XX/XX/31 for XXXX Never used that service nor have I heard of it. 

Some weeks ago I receive one single letter on Friday that I have by Monday to pay safelite a second time. 

It feels like a scam. Why bc I paid.

I disputed the debt. Ive been trying to call safelite but. Alas you can not get a person using their phone system. 

At the least. I would very much appreciate someone looking into this matter. 
much appreciated thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I opened a TJ Maxx account from synchrony Bank months ago and when I saw the way they were treating me with the Lowes home improvement account. I hurried and paid the TJ Maxx account off and I closed that account. I reapplied for a TJ Maxx account because now I work there. I just received a letter in the mail from synchrony bank that they denied me because of poor credit history paying my bill with them. Well that bill was paid on time all the time and it was paid off. There are some bad shenanigans going on with synchrony bank and Im telling you what if Im the one and only person that does a class action thats whats gon na happen because Im tired of being throttled when Im doing the right thing!

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 2024-05-23 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: MD

Complaint narrative:
Under the Fair Credit Reporting Act, the accounts listed below have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX Account Number XXXX, and XXXX XXXX Account Number XXXX have violated my rights. 

Upon reviewing my Experian, report on XX/XX/2024, I was deeply troubled to find that some information is incomplete and inaccurate. This has had a direct and negative impact on my financial standing, a situation that the Fair Credit Reporting Act is designed to prevent, as stated in 15 USC 1681 ( e ) ( b ).

Additionally, according to 15 USC 1681, if information is found to be inaccurate or incomplete after any reinvestigation, the consumer reporting agency must promptly delete or modify that information based on the results of the reinvestigation and notify the furnisher of the information. 

Moreover, according to 15 USC 1681s-2, no information relating to a consumer should be furnished to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: MI

Complaint narrative:
I checked my credit report on XX/XX/XXXX using XXXX XXXX and XXXX XXXX. I've noticed account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. That it is reporting a 30 day late delinquency for XX/XX/XXXX. This is not accurate, true, unsupported, derogatory and damaging incorrect information. TransUnion has not performed a investigation into this matter. 
I have disputed this same incorrect information with XXXX. They have since REMOVED the XXXX XXXX XXXX XXXXe from my Equifax credit profile. See Attached Documents According to 15 U S C 1681i 5 They are suppose to Update, MODIFY, OR DELETE the account. According to 15 U S C 1681 e b - Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. According again to 15 U S C 1681 s-2 Reporting information with actual knowledge of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
TransUnion did not perform any investigation into this knowing error reporting on my credit profile. See Attached Documents to support my complaint. It will prove that after disputing with XXXX. In regards to the same TransUnion error with XXXX XXXX XXXX XXXX. That XXXX removed/Deleted the account. After finally recognizing and accepting my proof of support information. That they removed the account completely. 
I am requesting that TransUnion remove this account from my TransUnion credit profile as well. Now that TransUnion knowing of this error and is still reporting inaccurately.

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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute several late payments that have been incorrectly recorded on my credit report. I noticed these errors while reviewing my records. Over a month ago, I sent letters to address this issue, but I have not received a response or any satisfactory proof. 

I am kindly requesting your assistance to resolve this matter quickly and accurately. These inaccuracies are negatively affecting my credit score and causing unnecessary stress. 

Please investigate these entries and correct any errors promptly. I appreciate 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 non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute several late payments that have been incorrectly recorded on my credit report. I noticed these errors while reviewing my records. Over a month ago, I sent letters to address this issue, but I have not received a response or any satisfactory proof. 

I am kindly requesting your assistance to resolve this matter quickly and accurately. These inaccuracies are negatively affecting my credit score and causing unnecessary stress. 

Please investigate these entries and correct any errors promptly. I appreciate 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 2024-05-23 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: TomoCredit Inc.
State: WI

Complaint narrative:
This company advertised a credit line and credit reporting & 2 months free with purchase of a membership I purchased the membership with that promise and never received a service! I reached out to the company multiple times they have no working phone number. I have went through great emotional distress over this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-05-23 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: FL

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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: NY

Complaint narrative:
I am writing this letter to bring to your attention the theft of my identity on a purchase made on XX/XX/year>. I only realized this after receiving several concerning emails in XXXX. I called the bank and to my surprise they confirmed that I had an account balance for {$7500.00} from XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, NY XXXX. I obtained a copy of the receipt by presenting myself at that establishment which the Police Department asked me to get in order to file the crime. They gave it to me without proof of ID, Im assuming this is the way they used my identity. Furthermore they have confirmed that what ever was purchased was not delivered to my apartment and no signature was received. I only used my Ashley/Synchrony bank card/account once several years ago at an Ashley Store with a credit limit of {$1000.00}. I have never used the card/account again or requested a limit increase. 
I need your help in this matter, applying an extended fraud alert, and removing this from my credit report. I've attached all the proof I could collect. 
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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2024-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wife sent funds via XXXX from Wells fargo after they sent the tickets. They then pulled the tickets back. We alerted Wells fargo of the scam and they have done nothing but send a letter to chase. It has been 3 months and nothing. Do not use XXXX or Wells Fargo.

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 2024-05-23 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: GA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2024-05-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I disputed a charge on my account that should not be there as a company owes me money for returned product and I was not given credit. It is a large amount. To dispute a charge you have to call and wait on hold FOREVER. It took almost an hour to get to an actual person then no one could help because they claim their system is slow and you can't understand what any of them are saying. Finally they sent me a link to upload documentation for my dispute, which I did immediately. I had no issues uploading the documentation after going through the hassle of putting everything into their weird format that doesn't allow large documents. Then the charge reappeared on my credit card statement. I tried calling again and was put on hold FOR OVER AN HOUR while everyone claims their system is slow and there are no notes from my previous call. This is ridiculous. Additionally, every time I log into my credit card online, it forces me to reset the password to a new password EVERY SINGLE TIME so it takes quite awhile to log in just to check. Then because I'm waiting on hold for so long I have to redo that multiple times while waiting on the phone. This is absolutely ridiculous, it's like their strategy is to frustrate you into giving up so you just pay the false charges. They need to fix this. Finally over two hours later they say they need a receipt for a service. What receipt for what service??? The whole point of the dispute is that that's not my charge. I uploaded the documentation already.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: NJ

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 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