vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-14 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: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I was in Old Navy making a purchase and was told that if I applied for the Old Navy credit card, I would receive $ XXXX off the purchase I was making in store that day. I agreed and they said the transaction and discount would be applied immediately to the card, pending my application approval. My application was approved but they said there was an issue and the promotion was not working. I said the only reason I was applying for the card was to get the promotion that they told me I would receive, so if I wasn't receiving it, I no longer wanted the card. They said it was too late, I already submitted my application and I would have to contact the credit card company to rectify it. The credit card company also said there was nothing they could do when I called. I was coerced and lied to to apply for the credit card. I want that reflected on my credit report so that they opening and closing of this account does not impact 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 2024-07-14 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: KY

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days To following information on my credit report is the result of identity theft and should be blocked : accounts number ; XXXX BALANCE XXXX $ As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information sheeld be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 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: KY

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days To following information on my credit report is the result of identity theft and should be blocked : accounts number ; XXXX  BALANCE XXXX $ As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information sheeld be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 explanation
Consumer complaint received 2024-07-14 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: MI

Complaint narrative:
On XXXX XXXX I notice items on my XXXX credit report that I did not consent which brought to my attention identity theft that violate my rights pursuant to the Fair Credit Reporting Act ( 15 USC 1681c-2 ) and the Fair Debt Collection Practices Act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-14 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:
On XXXX XXXX I notice items on my XXXX credit report that I did not consent which brought to my attention identity theft that violate my rights pursuant to the Fair Credit Reporting Act ( 15 USC 1681c-2 ) and the Fair Debt Collection Practices Act

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 2024-07-14 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Every time I make a payment on my Lowes Credit card ( Synchrony Bank ), the payment wholly applies to my special apr rate, not what I have just purchased ( which has a much higher rate ). I am able to call and have the payment reallocated, but you have to pay close attention to statements and call after every payment. The payment portal doesnt give an option as to how to apply the payment, and it defaults to what will cost the consumer the most in interest.

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 2024-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX ( XXXX ) XXXX XX/XX/year> Barclays Bank Delaware Credit Dispute Department XXXX XXXX  XXXX XXXX, DE XXXX Dear XXXX, Subject : Follow-Up on Dispute of Inaccurate Credit Report Information Underage Account Thank you for your response dated XX/XX/year>, regarding my dispute of the Barclays View Mastercard account XXXX in XXXX. 

I am writing to reiterate my position that the account was opened illegally while I was under the age of XXXX without a cosigner and without the means to independently make payments. 

According to the Credit Card Accountability Responsibility and Disclosure Act ( CARD Act ) and Consumer Financial Protection Bureau ( CFPB ) guidelines, specific requirements must be met when issuing a credit card to individuals under the age of XXXX. The CARD Act mandates that individuals under the age of XXXX must either demonstrate an independent source of funds sufficient to repay any debts incurred with the credit card or have a parent or another person who is at least XXXX XXXX XXXX cosign the credit card. Here is a direct reference to the policy for your convenience : The CARD Act requires people under age XXXX to have a parent or other person who is at least XXXX XXXX XXXX cosign the credit card if they cant demonstrate an independent source of funds sufficient to repay any debts incurred with the credit card. 

At the time this account was opened, I was under the age of XXXX and did not have a cosigner nor the means to independently make payments, which clearly violates both the CARD Act and CFPB regulations. Therefore, the account should never have been approved, and its presence on my credit report is erroneous and damaging. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution of this issue. 

Sincerely, XXXX XXXX XXXX XXXX. 

Enclosures : - Previous Correspondence Copy of Identification

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 2024-07-14 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: NJ

Complaint narrative:
Subject : Complaint Regarding Inclusion of Income Information on Credit Report Dear CFPB, I am writing to file a formal complaint against Transunion for including income information on my credit report, which I believe is a violation of the Fair Credit Reporting Act ( FCRA ). Enclosed is documentation of my previous inquiries request for Investigation and reinvestigation for the account XXXXXXXX XXXX XXXX Account Number XXXX it has been updated the pay status as charged-off which is considered income. The IRS Clearly defines a charge-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes the reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge-off is Income. 
Upon reviewing my credit report I got from Transunion today XX/XX/year>, I noticed that income information has been reported. According to the FCRA, specifically 15 U.S. Code 1681b ( b ), consumer reporting agencies are restricted in the type of information they can include on a credit report. The Act does not permit the inclusion of income information as part of a consumer 's credit file. The presence of this information on my credit report is therefore in violation of federal law. 

Enclosed are copies of relevant documents to support my complaint, including a copy of the credit report showing the inclusion of income and my identification documents. 

I am demanding a deletion of the following account : XXXX XXXX  - Account Number 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 2024-07-14 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: NJ

Complaint narrative:
Subject : Complaint Regarding Inclusion of Income Information on Credit Report Dear CFPB, I am writing to file a formal complaint against Transunion for including income information on my credit report, which I believe is a violation of the Fair Credit Reporting Act ( FCRA ). Enclosed is documentation of my previous inquiries request for Investigation and reinvestigation for the account XXXX XXXX XXXX XXXX it has been updated the pay status as charged-off which is considered income. The IRS Clearly defines a charge-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes the reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge-off is Income.

Upon reviewing my credit report I got from Transunion today XX/XX/year>, I noticed that income information has been reported. According to the FCRA, specifically 15 U.S. Code 1681b ( b ), consumer reporting agencies are restricted in the type of information they can include on a credit report. The Act does not permit the inclusion of income information as part of a consumer 's credit file. The presence of this information on my credit report is therefore in violation of federal law. 

Enclosed are copies of relevant documents to support my complaint, including a copy of the credit report showing the inclusion of income and my identification documents. 

I am demanding a deletion of the following account : 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 non-monetary relief
Consumer complaint received 2024-07-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have tried with FTC and CFPB to delete an address that is not mine from my credit report. The only address that should exist in my report is my ID. 

XXXX XXXX XXXX XXXX XXXX fl XXXX Please delete any other addresses, just leave the one named above.

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 2024-07-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc
State: TN

Complaint narrative:
I attended school at XXXXXXXX XXXX  in XXXX, Tennessee in XXXX  I began having XXXX and other XXXX XXXX XXXX XXXX XXXX XXXX. XXXX weeks after the beginning of that semester, I contacted the office to let them know I was going to have to unenroll due to the health conditions that I was experiencing. The office took several weeks to get everything together. A few months afterward, I received a phone call from a debt collection company, XXXX and XXXX. The person that I spoke with told me they were representing XXXX XXXX  and were looking for repayment of the student debt. I told this person that I was unable to pay anything on this account because I am a XXXX individual who receives Social Security and SSI. I do not even get {$1000.00} a month. The person that I was talking to began asking me to take another loan or ask a family member to either pay or loan me the money to pay the account. I found this very rude and inconsiderate and hung up. However, they are continuing to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This is my second complain against this company. I request all late fees to be refunded due to their faulty interface that causes my payments to ring late even when put on automatic withdrawals. I attempted to fix the issue more than once and have not been able to follow the instructions given due to the faulty system. 

See complaint : 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 2024-07-14 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: FL

Complaint narrative:
there are collections and hard inquiries on my credit report that i did not approve. 

XXXX XXXX opened XXXX amount of : ( 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 2024-07-14 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: FL

Complaint narrative:
there are collections and hard inquiries on my credit report that i did not approve. 

XXXX XXXX opened XXXX amount of : ( 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 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
My credit reports show different information across all three bureaus, so its inaccurate. This has led to denials for housing and a car because it looks like I missed multiple payments. As a result, my kids and I have had to stay in XXXX XXXX, XXXX, and XXXX XXXX I have tried to dispute it so many times and nothing so this is my last option before I seek legal advice. 

The car I bought was a lemon. Ive spent money on it since day XXXX, and right after I got it fixed, they picked it up the next day, even after I told them it was just repaired. They sold it, took the gap insurance, and didnt provide proof of the remaining amount. Whenever I needed an arrangement, it was because of issues with the vehicle, and I can get copies of my receipts from every dealership that worked on it. 

When I bought the car from XXXX, the mechanic told me they sold me a bad vehicle. There have been multiple recalls on XXXX XXXX, and I had no idea. XXXX  kept telling me I had a warranty, but the dealership said the warranty was expired and covered nothing, even though it was filed in my paperwork. I even mentioned all this when filling out the extension forms. They denied my last extension after I put in an extra {$1500.00} after just a year of having it. It was a XXXX  XXXX XXXX. 

When they picked up the car, they locked me out of the app. They towed the vehicle from a closed location and came on their day off just to add more fees. They wanted to pick it up the day it was fixed because I kept communicating that I would pay the mechanic and then make a payment to them afterward. It felt like they just wanted the car to resell after I got it running.

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 2024-07-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
i have no knowledge of ever taking out a XXXX XXXX XXXX  loan for XXXX dollars i requested information and havent received anything

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DigniFi
State: IL

Complaint narrative:
15 USC 1692-c If a consumer notifies a debt collector that the consumer refuses to pay, the debt collector must cease all communications with the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 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: NY

Complaint narrative:
Trans Union was told they were reporting late a payment made to XXXX on time. They did not correct it. 

The bank rep XXXX XXXX of XXXX response team did a terrible job responding to a serous error at XXXX. She was completely dishonest about a bank error In XXXX when we made a payment they MIS PROCESSED. When escalating to the executive office XXXX XXXX was not HONEST when she claimed we gave the account number and agreed to the reps confirmation. She never admitted that NO PAYMENT WAS EVER put in to our account even though she heard it called in. 

Today a kind woman investigated and said she saw an error she had not seen before in the system which was our regular checking acct number in for the XXXX payment but listed as a debit payment. Why it never was processed. XXXX XXXX hid this! 

We originally thought it a wrong account digit. INSTEAD TODAY we learned from another phone rep that they had it in their system in XXXX as a debit card with our CHECKING ACCT NUMBER. She finally told us what went wrong. 

Meanwhile the rep XXXX wrote a letter hiding the facts and then went back and added four more lates that were on time payments after XXXX as the month before- in effect worsening the problem. They wrote a snide letter making themself right when ah honest XXXX rep explained what she found today. 

We have paid down XXXX in 5 months to help finalize a problem account. 

We have screenshot after screenshot of dozens of calls left on hold only reaching a rep less then half the time. 

We can fax over the account given with a balance the whole month of XXXX far exceeding their wrongly listed returned payment. IT WAS NOT PUT IN. 

Meanwhile Transuniion has not demanding the recording or taking our XXXX statement showing no payment was presented. We can fax the full monthly statement and show the account number, dates and balances for all of XXXX, plus no payment submitted by XXXX who admits they erred today. 

We need Transunion to review the bank statement and request XXXX give the payment account details for XXXX so that it can be revealed to have been made. Therefor the XXXX, XXXX, XXXX, XXXX payments were not late. All payments since XXXX were four times the iminium payment or so. 

There was no reason to not read the bank statement.

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