vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint under the provisions of the Fair Credit Reporting Act ( FCRA ), as Experian has failed to adequately address my concerns regarding the accuracy of my credit score and the factors influencing it. 

On XX/XX/year> and XX/XX/year>, I contacted Experian to dispute inaccuracies related to my credit score. Specifically, I believe my credit score does not accurately reflect the information contained in my credit report. This discrepancy may be due to errors in how the score was calculated or weighted, or inaccuracies in the underlying data being used.On XX/XX/year>, my credit score decreased significantly due to a 60+ day late payment reported to Experian. However, Experian has been unable to provide me with the specific account and the late payment does not appear on my credit report. I have also contacted all creditors with which I have a relationship and all have confirmed that my accounts are in good standing. Note : After contacting both XXXX and XXXX, neither credit bureau reported a late payment or changed my credit score like Experian. 

Despite my efforts to dispute this matter directly with Experian, I was advised by three Experian representatives separately to hire a third-party credit advisor, which I believe is an inappropriate redirection of my legal right to dispute under the FCRA. Experian failed to provide adequate support in initiating an investigation into my dispute. I explicitly asked several times if there was an additional help I could receive from Experian to address the error to my credit score and was told no. I have spent over two hours attempting to resolve this issue with Experian, making more than 25 phone calls to their customer service. Unfortunately, the majority of these calls ( over 75 % ) were routed through automated messaging systems that either disconnected the call or aggressively promoted an upgrade to a paid Experian membership, rather than providing the assistance I needed. 

Under the FCRA, I am entitled to have Experian investigate disputes related to both the accuracy of the information on my credit report and the calculation of my credit score, as the score is derived from their reported data. Experians refusal to directly investigate my dispute constitutes a violation of my rights under the FCRA and fails what they are legally obligated to do under 15 U.S.C. 1681i ( a ).

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 2024-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
Sent a letter of validation to midland credit management XX/XX/year>. Asking for them to send proof that I owed them a debt. And to stop reporting to credit bureaus. They sent me back a statement from the credit card company. They did not stop reporting to the credit bureaus and they also called me about the debt multiple times after the letter was sent. They back dated their letter to XX/XX/year>. I received the letter XXXX with the copy of the credit card statement. Not their ownership of the debt. Mcm account XXXX I would like something showing that I owe midland credit management. And a detailed statement of how they came to the balance I owe them. And proof of ownership by mcm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: NY

Complaint narrative:
I am a victim of identity theft, which resulted in a fraudulent account being opened with XXXX XXXX XXXX. I did not authorize or have any involvement with this account. 

Details of the Fraudulent Account : Company : XXXX XXXX XXXX Fraudulent Amount : {$30000.00} Fraud Began : XX/XX/year> XXXX  : XX/XX/year>XXXX  I submitted a dispute to Experian, including supporting documentation like my FTC Identity Theft Report, proof of address, and a copy of my drivers license. Despite this, the fraudulent account has not been removed. 

This inaccurate account is negatively affecting my credit report. Under the FCRA, I have the right to dispute and correct fraudulent or inaccurate information.

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 2024-12-16 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: MO

Complaint narrative:
I had a loan with XXXX XXXX around XXXX. XX/XX/XXXX I received a letter from XXXX a debt collector for XXXX XXXX XXXX XXXX stating that as of XX/XX/XXXX I owed {$2900.00} from an account I originally had with XXXX XXXX XXXX. 

XX/XX/XXXX I sent XXXX and XXXX XXXX XXXX XXXX all my bank statements from XX/XX/XXXX thru XX/XX/XXXX totaling {$3200.00} explaining that I did not owe that debt to them or XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX reported the outstanding debt on my credit report. 

On XX/XX/XXXX I wrote TransUnion Credit a letter disputing the debt. I sent them all my bank statements as well. They sent me a letter back on XX/XX/XXXX stating the following : Investigation Results- Verified as Accurate and Updated. This debt remains on my credit 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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Alliance One, Inc.
State: MO

Complaint narrative:
I had a loan with XXXX XXXX around XXXX. XX/XX/XXXX I received a letter from AllianceOne a debt collector for XXXX XXXX XXXX XXXX stating that as of XX/XX/XXXX I owed {$2900.00} from an account I originally had with XXXX XXXX XXXX. 

XX/XX/XXXX I sent AllianceOne and XXXX XXXX XXXX XXXX all my bank statements from XX/XX/XXXX thru XX/XX/XXXX totaling {$3200.00} explaining that I did not owe that debt to them or XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX reported the outstanding debt on my credit report. 

On XX/XX/XXXX I wrote XXXX XXXX a letter disputing the debt. I sent them all my bank statements as well. They sent me a letter back on XX/XX/XXXX stating the following : Investigation Results- Verified as Accurate and Updated. This debt remains on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
My mortgage payment was on automatic payment. The escrow account was apparently short and an additional {$62.00} dollars needed to be added to our monthly payments. Because my mortgage is on autopay the original mortgage amount was paid without the additional {$62.00} I was unaware was owed at the time. The original mortgage amount was taken out of my bank account and put into an account called " unapplied funds '' on XX/XX/year>. I was not notified of this via phone until XX/XX/year> at which time I made the {$62.00} payment immediately via my bank account, bringing my account current. Despite this payment being made, Carrington Mortgage reported to the Credit Bureau that I was delinquent with payment. My credit score in turn went down XXXX points when I previously had a great credit score. Despite contacting Carrington Mortgage I was met with a condescending employee who did not want to help me or hear my concern. The second employee I spoke with in escalations expressed that they would dispute this with the credit bureau if they were me. I asked if someone from Carrington could reach out to them credit bureau on my behalf and was told that this would not happen. While I would understand reporting someone who is truly delinquent with a payment meaning they did not make any payment, I do not understand reporting someone who was short {$62.00} and was unaware but made the additional payment right away once notified. Carrington waited to report me to the credit bureau right after they received my {$62.00} payment making my account current. I am very disheartened as this is a big hit to my credit. I did not choose Carrington Mortgage as my lender, my mortgage was sold to them. I do not feel confident that I am in good hands, especially after researching Carrington, it appears many people have had similar issues to me. My credit score is now significantly impacted for years to come because Carrington does business this way, rather than contacting a customer prior to the 30 days, they wait and contact after so they can charge a late fee and report someone to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/year>, I received a letter from Equifax confirming that the XXXX XXXX XXXXXXXX account ( partial # XXXX ) had been deleted from my credit report after my dispute. However, when I recently updated and reviewed my credit report, I discovered that this same account was reinserted without proper notification, in direct violation of the Fair Credit Reporting Act ( FCRA ). Under 15 USC 1681i ( a ) ( 5 ) ( B ) ( ii ), if a previously deleted item is reinserted into a consumers report, the credit bureau is required to notify the consumer within five business days of reinsertion. This notification must include the name, address, and phone number of the entity that provided the information. In this case, no such notification was provided to me, which is a clear violation of the FCRA. Furthermore, this unauthorized reinsertion raises concerns about the accuracy of my credit report under 15 USC 1681e ( b ), which mandates that credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. By allowing the reinserted account to appear again after its deletion, Equifax failed to meet its legal obligations to maintain an accurate report and prevent consumer harm. Additionally, Equifax has also disregarded my rights under 15 USC 1681i ( a ) ( 1 ) ( A ), which grants consumers the right to dispute inaccurate or unverifiable information. Once an account has been deleted following a dispute, the burden of proof lies with the furnisher or bureau to verify its legitimacy before reinsertion. In this case, no verification or explanation has been provided. This violation has caused unnecessary distress, confusion, and potential harm to my financial reputation. I am requesting immediate removal of the reinserted XXXX XXXX XXXX account, a full investigation into why it was reinserted without proper procedures, and confirmation that the credit reporting agencies are adhering to FCRA requirements to prevent further harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: FL

Complaint narrative:
I need your support to resolve the problem of a false account showing on my credit report. This has had a negative effect on my reputation as a customer, and I am asking for these accounts to be removed due to their inaccurate reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: GA

Complaint narrative:
Dear CFPB Representative, I am writing to express my deep frustration and concern regarding inaccurate information on my credit report, which has caused significant hardship and emotional distress. Despite my best efforts to address these errors with the credit bureaus and the creditor ( s ) involved, the situation remains unresolved, leaving me in a difficult financial position. 
I recently reviewed my credit report and discovered that theres at least 18 INACCURATE These errors are both unjust and harmful. I immediately contacted the credit bureaus to dispute the inaccuracies and provided supporting documentation, but the errors persist. 
These inaccuracies have caused the following harm : Financial Setbacks : My credit score has been unfairly impacted, causing denials of credit applications and increased financial strain.

Emotional Distress : The inability to resolve this matter has been overwhelming and has undermined my confidence in the credit reporting process. 
Higher Costs : I have faced higher interest rates and unfavorable terms on financial products as a result of the errors. 

The FOLLOWING reporting derogatory allegations of are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or NOTCOMPLIANT to regulatory federal reporting laws and or standards and MUST be eradicated IMMEDIATELY.

My Rights as a Consumer : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to accurate, complete, and verifiable information on my credit report. The ongoing presence of these inaccuracies demonstrates a failure by both the credit bureaus and the creditor ( s ) to comply with these legal requirements. 

Actions Taken : MUTIPLE DISPUTES WITH CRAs, Requested the creditors to investigate & provide VALIDATION OF DEBT. I haven't received any validation of these negative remarks that's on my credit report. 

PLEASE CHECK ALL THE ATTACHMENTS BELOW

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 2024-12-16 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: GA

Complaint narrative:
Dear CFPB Representative, I am writing to express my deep frustration and concern regarding inaccurate information on my credit report, which has caused significant hardship and emotional distress. Despite my best efforts to address these errors with the credit bureaus and the creditor ( s ) involved, the situation remains unresolved, leaving me in a difficult financial position. 
I recently reviewed my credit report and discovered that theres at least 18 INACCURATE These errors are both unjust and harmful. I immediately contacted the credit bureaus to dispute the inaccuracies and provided supporting documentation, but the errors persist. 
These inaccuracies have caused the following harm : Financial Setbacks : My credit score has been unfairly impacted, causing denials of credit applications and increased financial strain. 
Emotional Distress : The inability to resolve this matter has been overwhelming and has undermined my confidence in the credit reporting process. 
Higher Costs : I have faced higher interest rates and unfavorable terms on financial products as a result of the errors. 

The FOLLOWING reporting derogatory allegations of are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or NOTCOMPLIANT to regulatory federal reporting laws and or standards and MUST be eradicated IMMEDIATELY. 
My Rights as a Consumer : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to accurate, complete, and verifiable information on my credit report. The ongoing presence of these inaccuracies demonstrates a failure by both the credit bureaus and the creditor ( s ) to comply with these legal requirements. 

Actions Taken : MUTIPLE DISPUTES WITH CRAs, Requested the creditors to investigate & provide VALIDATION OF DEBT. I haven't received any validation of these negative remarks that's on my credit report. 

PLEASE CHECK ALL THE ATTACHMENTS BELOW

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 2024-12-16 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: AL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: FL

Complaint narrative:
I have been trying to go over my 3 Lowe 's account with customer service who does not speak very good english or understand. But each time I call I get someone in the XXXX. I get put on hold or go from customer service back an fourth to fraud division for hours on hold? My 1st Lowe 's card number XXXX, I have not used this card for several years. I noticed someone had starting having problems with the card in XXXX. So I filed a fraud alert with the credit Bureaus and all my credit card companies. I noticed someone was charging items on my Lowe 's card, I filed fraud dispute on these charges. So they agreed to send me out a new card which I did not receive, when I called about my new card it was discovered that someone had called in and changed my address, plus phone number to a XXXX address. XXXX XXXX XXXX XXXX XXXXXXXX IL. XXXX phone # XXXX, XXXX, XXXX, in which I do not recognize. The new replacement card was sent to the address above. So I had that card replaced with Account number XXXX. Again I did not receive my card, that is when I called in and had my account closed and filed fraud dispute again. For some reason I am still receiving bills and Lowe 's keeps ruining my credit. Please straighten this out or send it to someone who can. I have not used any of these lowes/synchrony card since XXXX. Synchrony has tried to collect on debts that I did not make, Paypal/Synchrony, HomeDepo/Synchrony, Lowes/Synchrony , and several other /Synchrony Credit Cards that someone else had applied for and used??

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 2024-12-16 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: MD

Complaint narrative:
I'm submitting my complaint about fraudulent information on my credit report resulting from identity theft. I submitted a block and delete request to TransUnion under 15 USC 1681c2, including my FTC Identity Theft Report and all required documents. However, the fraudulent accounts listed below remain on my report, despite the legal requirement to remove them within four business days. Please find attached my dispute letter, FTC Identity Theft Report # XXXX, and supporting documentation. 


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 non-monetary relief
Consumer complaint received 2024-12-16 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: ME

Complaint narrative:
Im thankful that I took a screenshot at what I applied for with Capital One Venture One card that said I was pre approved and to finish filling out the application. The card was 0 % apr for 15 months on purchases and balance transfers..after I completed the online application it said that I was approved for the Venture One Card..I applied in XXXX, I don't remember date. I received the card for I wanted to transfer an XXXX balance..I 'm seeing on the account that my APR is 29 %!! Hello. I called and I was told, I need to have the card for 11 days before a balance transfer is offered..so I called again today the Venture one card and spoke to a manager, oh yes XXXX XXXXXXXX!!. I told her what I applied for and WAS APPROVED for is not the card that I was sent..the Venture one manager @ XXXX on XX/XX/year> said well you weren't approved for the Venture one card with the 0 % but was approved for the regular Venture one, not the promotional one..I told her to change it..she said she couldn't. I said that's deceitful and I wasn't told that I didn't qualify for the promotional one..she said I would have been notified, I was not..if I haven't taken a screenshot of what I applied for, I'd be screwed right now..the whole purpose was to use the 0 % for a balance transfer, no at 29 %. SO the call was recorded, I'm livid i told her to close all of my capital One credit cards and I hung up on her..I called my cap one SAVOR credit card told her the situation, she could have cared less, I asked her to close both the Venture and Savor card {$8000.00} worth of credit ... I kept my XXXX XXXX  card with them. I also said that I wasn't happy that they pulled my credit to send me a card that I didn't apply for. Help me please, this is just wrong. And the savor card was closed for deceitful practices, I don't t need a credit card from someone like Capital One

Company response to consumer: Closed with explanation