vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-09 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: FL

Complaint narrative:
I paid off my credit card to XXXX  balance and then the auto payment went through the next day. I asked them to return the funds for the 2nd payment and they returned both payments by mistake. I spoke to the bank and they were supposed to delete the 30 day late from my credit report becuae it was the banks error that caused the late payment. The account is showing the XXXX balance yet the 30 day late rating remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
A charge was made to my credit card ending in XXXX on XXXX XXXX which when reviewing my status, I called Bank of America fraud area to open a claim, which they told me in 3 days that it is not possible to approve my claim, which I called again to dispute the response and again they rejected my claim, but this time indicating that they would send me their response to credit reports ( I found this as a threatening way against me, to stop continuing with the dispute, which I called the bank again and I still have no response, it is XXXX dollars, but What hurts me the most was that I have been with them for 4 years, trusting my money and my company, and when I need their help they treat me like a stranger, their way of responding to a client who trusted them

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 2024-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
Opened a GM Rewards Credit Card issued by Marcus by Goldman Sachs in XX/XX/XXXX, in connection with a promotional offer on a new car lease. 
Put {$3300.00} on card as part of new lease. 
In verbal discussions with the dealership and marketing materials for the card, it was represented to me that under the promotional offer, nothing would be due for one year as I was on a 0 % interest promotional offer. I confirmed with the dealership that I can pay off the entire balance in one year and not owe any more than the initial charge. 
On XX/XX/XXXX, I was charged a late fee of {$29.00} on the minimum payment of {$32.00} not made. 
On XX/XX/XXXX, I called and spoke with a representative at Marcus, who explained that those were not the terms of the card and that monthly payments were still due. 
I have not used the card for anything other than the initial payment to the GM dealership. 
I asked for a waiver of the late fee and report of late payment on my account to credit agencies to account for the confusion. 
First agent was unable to grant waiver, escalated to supervisor. 
I will maintain my monthly payments from now on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Received mail from XXXX  ( school loans ) Settle at {$0.00}!!! 
ON CREDIT REPORT INACCURATE PLEASE UPDATE ON ALL 3 MAJOR CREDIT REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
Our mortgage was sold from Home Point Financial to Mr Cooper in 2023. Mr Cooper has numerous data breeches and we suspect is selling our private information to marketers. We continually receive dubious offers from companies pretending to be Mr Cooper. We feel very exposed now that our loan is being managed by this company. We have very good credit and stable finances. We were not consulted on the sale of our mortgage and would NOT have chosen Mr Cooper to do business with based on the company 's reputation and our experience with them. We are concerned it is only a matter of time before we are caught-up in a disastrous online identity crisis. We feel trapped into doing business with a company that we would NOT like to do business with. 

Let this complaint serve as notice to Mr Cooper, when their next breech happens or we get fooled by one the many online scams that originates from our relationship with Mr Cooper, we have record of prior warning and will hold them responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-04-09 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: FL

Complaint narrative:
" In light of recent investigations brought upon Equifax, I find that my consumer file is beingXXXX, XXXX irresponsibly tampered with. Over the past **4 years* | have made several attempts to remind you of your duty pursuant 15 USC 1681 . It appears you're intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. I am making this call as another attempt to have these errors corrected on my consumer report. 15 USC 1681 ( A.5 ) says that after the reinvestigations. all of the unverified information must promptly be removed. You can see in32 vour system that this account was previously disputed without being thoroughly investigated XXXX not be vaifelor validated. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: GA

Complaint narrative:
The account open date is XX/XX/2019. The date that is considered the open date has been inconsistently reported. XXXX the opening date is XXXX XXXX. If the information is coming from the original creditor, the opening date should be the same. We can not say these are 100 % accurate so it is deemed INACCURATE. This inaccurate information falsely manipulates the credit worthiness, and it is hurting my ability to obtain credit. Equifax failed to investigate this account properly after I repeatedly asked to have the account updated. Your negligence has once again violated my consumer rights. I am demanding a deletion of the following account XXXX XXXX, Account number XXXX. I have attached a copy of my credit report and highlighted that inconsistent and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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: GA

Complaint narrative:
The account open date is XX/XX/2019. The date that is considered the open date has been inconsistently reported. XXXX the opening date is XXXX XXXX If the information is coming from the original creditor, the opening date should be the same. We can not say these are 100 % accurate so it is deemed INACCURATE. This inaccurate information falsely manipulates the credit worthiness, and it is hurting my ability to obtain credit. Equifax failed to investigate this account properly after I repeatedly asked to have the account updated. Your negligence has once again violated my consumer rights. I am demanding a deletion of the following account XXXX XXXX, Account number XXXX. I have attached a copy of my credit report and highlighted that inconsistent and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
In XX/XX/2023, I took out a medical loan with Synchrony Bank\Care Credit . Although I had good intentions to pay this debt back, I experienced several hardships ( Loss of employment, relocation required with short notice, etc. ) and I was unable to pay the debt. However, now I am settled and I do wish for the opportunity to get on a payment plan with Synchrony Bank\Care Credit . My account # is XXXX and I am seeking payment plan arrangements. I have reached out to them but have not heard back regarding payment plan arrangements.

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 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate in regards of the reporting, inaccurate amount and dates are being reported

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Dear Equifax I am disputing the account ( s ) stated in this document. Previously, I disputed this account information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FDCPA, I have contacted the collection agency myself, and they have failed to validate that this is indeed my debt. I have copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation to pay this debt to these collection agencies. This debt is not mine. The Fair Credit Reporting act. requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court. 



including a small claims court in my area. This is my warning. I demand you to delete these items at once. 




XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, -. I have no recollection of authorizing this credit pull and I demand this to be removed. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: Experian Information Solutions Inc.
State: SC

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 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 2024-04-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: GA

Complaint narrative:
They are saying I violated terms of direct deposit agreements and user agreements the account was closed... so I talked with multiple agents and finally got to one who helped with the situation and sent me a link to verify my identity. I submitted the files and the agent reopened my account and now 5 days later the account was reclosed saying the same thing when I haven't violated the terms anymore ... they are telling me that I am ineligible for a refund and once I stated about contacting this firm they stated I am eligible and will be mailing a check but my bills are do and I have all my money on here... this has been a hindrance on my life right now please help me with this and for this not to happen to anyone else

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Charge off account Account # XXXX Amount {$11.00} Thank you for reading my request about this account with this company I am writing today during my quarterly review of my account listed on my credit report I noticed that this account was charged off transunion XXXX. I am requesting that your company please forward me copy of the 1099 c that was issued bye the company when they charged this debt off wit iRS which is required bye law for all debt over XXXX $ please also enclose a printed copy of payment history or you may also send them to me at my email XXXX please do not send any marketing or other account information to this email I have no desire to have spam at this location in I track everything bye standard usps mall at my home address listed above you are violating 15 U.S.C 1681 of fair credit reporting Act I will not hesitate to file law suits if your company keep reporting inaccurate information to credit report that the company charges off I am ask for a full validation of this account thank you sincerely

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 2024-04-09 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: WA

Complaint narrative:
( SEE ALL ATTACHED DOCUMENTS TO THIS COMPLAINT ) XXXX XX/XX/XXXX Dear Experian, There is information on the consumer credit report you have assembled with my name, XXXX XXXX, that is a result of identity theft. I did not initiate, nor did I provide any instruction for the identified transactions to be furnished on my consumer credit report. I am now requesting that you block and remove the specified information from my report within four days as specified by law. My request to block is not being made in error, nor is my request to block being made on the basis of material misrepresentation of fact by me, relevant to the request to block the identified transactions. I obtained no possession of goods, services, or money as a result of these fraudulent transactions. The identified transactions are not information related to any transactions by me as the consumer. Please block and remove the following items as soon as possible. 

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 I have mailed your identity theft department all documents as well. 
Regards, 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 2024-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: TRANSWORLD SYSTEMS INC
State: AL

Complaint narrative:
Contact by phone was instructed to contact my healthcare providers because the medical provider was unable to verify insurance coverage. I agreed and process will be initiated at the writing of this email. Let me be clear I am a retired civil servant on XXXX XXXX XXXXXXXX and I have medical insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have always made sure that payments on this account are made promptly, never allowing them to be overdue. I am uncertain as to why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be made.

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 2024-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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: AL

Complaint narrative:
I'm making this complaint against the Experian credit reporting agency. I'm a victim of identity theft. I have a fraudulent account that's reflected on my credit report that's not mine. The alleged account that's reflected on my credit report is XXXX XXXX XXXX XXXX. The alleged debt was sold to another Debt buyer. I started a dispute process with the collecting agency via a dispute letter and I have yet to receive a response to what I requested. I notified Experion of identity theft and filed an Identity theft report with the Federal Trade Commission. Experion temporarily barred the Information and removed the account just to reinstate the information. Experion has been very unprofessional with this matter and will not give me a clear explanation as to why they reinstated this fraudulent information on my credit report that's damaged my credit report. I forward all the necessary documentation to the Experian credit reporting agency via certified mail and with the proper Identity theft report on 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 non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: FL

Complaint narrative:
Did a rental application no application fee is at the cost of XXXX no such thing I no longer wanted to go with this unit so I didnt go further I didnt sign no lease anything of that nature I have email in communication and receipt sent that I had a balance of XXXX and few month down the line I received a collection as if they sold my profile to collection and I owe nothing at all its been deleted off my XXXX and XXXX and now is affecting only my XXXX and collection never hit on my XXXX to begin with

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 2024-04-09 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: PA

Complaint narrative:
FCRA 605B mandates the elimination of any erroneous accounts from my credit profile. Can you review the paperwork? A few of the mentioned accounts display inaccuracies concerning reporting, amounts, and dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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: PA

Complaint narrative:
I believe FCRA 605B mandates the elimination of any erroneous entries from my credit dossier. Can you review the records, please? Some of the enumerated entries are flawed concerning their reporting, with inaccuracies in amounts and dates.

Company response to consumer: Closed with non-monetary relief