vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-28 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: NY

Complaint narrative:
I am writing to formally raise a dispute with TransUnion concerning inaccuracies present on my credit report. I initially reached out to TransUnion on XX/XX/XXXX, and as of the present date, I have not received any response regarding the issues I brought to their attention. The following is a comprehensive overview of the inaccuracies that require prompt resolution XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
Dear EXETER FINANCE, I received a copy of my credit report and I have found the following items listed below to be in error. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I NEVER gave EXETER FINANCE any written instructions to furnish any information STATING LATE OR UNPAID STATUS on my consumer report which is a violation of 15 USC 1681b. These companies have caused severe stress and anxiety due to the abusive and unfair practices. You all should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers!

These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 
EXETER FINANCE - XXXX I was never late on XX/XX/2022 for this account please update the account as Paid/Current. THE ACCOUNT WAS PAID IN FULL ON TIME. 

By the provisions of the Fair Credit Reporting Act, All three Credit Reporting Agencies should be reporting the same exact and accurate information. 

EXETER FINANCE- PAID IN FULL NO LATE PAYMENTS I demand these items be investigated and ANY late payments be removed from my report, and I demand that you provide me with concrete evidence and ALL documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I am not asking for verification of the account, but physical evidence for verification of payment history. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report reflecting the requested changes. 

Respectfully, XXXX : XXXX BENEFICIARY Without Prejudice, All Natural Inalienable Rights Reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
A letter was sent to me about 2 weeks ago from Chase credit card stating that someone one has filed a credit card ( CHASE FREEDOM Visa Signature ) under my name and using my Social Security Number and they wanted me to call them to verify it was me who filed the application. So I called them up and said that it wasn't me who filed the application thus it may be ID theft. So Chase took the appropriate actions toward this incident and also sent me another letter stating on how to prevent ID theft in the future. Some the actions that I took include placing a credit freeze and placing a credit alert in all the major 3 credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: NY

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report, which I reported to TransUnion on XXXX Despite the time that has passed since my initial contact, I have not received any response from TransUnion regarding the concerns I raised. Below, I have outlined the inaccuracies that require immediate attention and correction : Account Information : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$340000.00} Issue : The account has never been overdue. I request that TransUnion correct this inaccurate information on my credit report. 
Account Information : Creditor : XXXX ( Account # : XXXX ) Date Opened : XX/XX/XXXX Balance : {$1700.00} Issue : The account has never been overdue. I request that TransUnion rectify this inaccurate information on my credit report. 
Account Information : Creditor : XXXX XXXX  ( Account # : XXXX ) Date Opened : XX/XX/XXXX Balance : {$6200.00} Issue : The account has never been overdue. I request that TransUnion correct this inaccurate information on my credit report. 
Account Information : Creditor : XXXXXXXX XXXX ( Account # : XXXX ) Date Opened : XX/XX/XXXX Balance : {$55000.00} Issue : The account has never been overdue. I request that TransUnion rectify this inaccurate information on my credit report. 
Account Information : Creditor : XXXX ( Account # : XXXX ) Date Opened : XX/XX/XXXX High Credit : {$5000.00} Issue : I request the removal of the late payment entry for this account. 
Account Information : Creditor : XXXX ( Account # : XXXX ) Date Opened : XX/XX/XXXX High Credit : {$2500.00} Issue : The account has never been overdue. I req

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 2023-08-28 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Over the past two days, Comenity Bank has called me 4 times within 60 seconds. They do not leave a message. On one instance, I had answered and told them to only contact me by mail - to which they then hung up on me. They have not respected my request. They are harassing me. The number that keeps calling me is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 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: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I made a deposit of my unemployment check to my Huntington checking account on XXXX I received an email from the bank stating that my deposit was available as of XX/XX/XXXX - this email was delivered to me XXXX 

Ive called several times and have been told that theyre investigating my deposit and verifying information. 

The last time I called they advised that my account was high risk and will be closed. Ive still yet to receive my deposit in any form. 

I received a letter stating that my deposit would be available XXXX and still nothing. No further communication has been received from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-08-28 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I did not consent to authorize nor benefit from the listed accounts and inquiries on my consumer report. 
Please see the attached documentation.

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 2023-08-28 00:00:00
Product: Credit card — Store credit 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I havent had a card since XX/XX/2022 I have disputed the transactions the merchants send reports that I made purchases when I did not. I do not have a card in my possesion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
This is an update to an ongoing issue. 

Equifax allows easy acces to 3rd parties and restricts the natural person to whom the report pertains to. Malicious intent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Under 15 US Code 1681i ( 7 ) Method of verification, this account is in violation it was reported without valid evidence. I have provided proof that the Bankruptcy courts do not report information to the credit reporting agencies. The bankruptcy court is listed as a furnisher on my credit report without valid evidence that it should be there, this is a violation. I demand that the accounts be removed from my credit report permanently. Can you provide evidence that supports your claim that the accounts are accurate? Did you use certified documents during the investigation, and if so, what were they? Please provide any information that was passed on to the original creditor during the investigation. I also need to know the cost of the documents used, the name of the person you spoke to at the original creditor 's office, as well as when and for how long the conversation took place. I would appreciate if you could provide the name of the person from your company who spoke with the original creditor during the verification process.

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 2023-08-28 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: IN

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your 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 2023-08-28 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: LA

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 XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: KY

Complaint narrative:
My husband and I recently purchased a modular home from XXXX homes and financed with Vanderbilt Mortgage. At closing we were told that we would not be charged for XXXX days once we started occupying the home. They had us close in XXXX signing all the closing paperwork. The delivered and set up the home. The loan had not been booked. At the beginning of XXXX we still dont have electric or HVAC and they booked the loan. The home does not have a certificate of occupancy and none of this was told to us while applying for the loan, during the process, or at closing. I feel this is a deceptive practice to consumers especially if they are not familiar with the loan process. This loan was not set up as a construction loan, yet was handled as one. The money was showing as disbursed to XXXX homes and I have no budget or invoices to know if any money should have been owed back to me on the loan if the contractors didnt go over budget. Now we have a home that cant be occupied that we will be paying a full payment on not interest while its still technically in a construction phase.

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 2023-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc.
State: VA

Complaint narrative:
My name is XXXX XXXX I requested a 2 month deferment from GM Financial due to the serious nature of my XXXX  I have been with the company for years and because i have to do XXXX for the next 12 weeks I asked if I can get just 2 month deferment and customer service told me they couldn't help me so I emailed XXXX XXXX who is the CEO of the company but some girl XXXX returned my call and told me I exhausted all of my 8 deferments throughout the years, When covid hit and they did the deferments that should not have gone against my personal deferments I didn't start the pandemic so I should not have had to lose my deferments for nationwide pandemic, that should of been courtesy from the government I feel GM Financial is being very unfair due to the circumstances at hand. I am not asking to not pay it I am asking to put it to the back of the loan. Can you please help with this unfair company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: VA

Complaint narrative:
BRINKS XXXX ACCOUNT / NETSPEND CORPORATION On or about XX/XX/XXXX, I received a package in the mail to my home that contained a fully ready to use pre-paid debit card. The card was embossed with my name and a new account number. There were all the customary legal disclosures and activation instructions including a ACH instructions for me to send to my payroll company for direct deposit. 
Only issue, I didn't ask for the card nor did I authorize its issuance. I have never provided my personal information to Brinks XXXX XXXX. The company would not tell me where they got my information or how they used it to send me a card. The company said they often collect info from vendors and sometimes use it for marketing. 
This is a marketing tactic that is highly risky and deceptive

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