vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-21 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: CA

Complaint narrative:
Ive noticed several unfamiliar items on my credit report that I believe may indicate identity theft, as I did not authorize these accounts. I've raised this issue before, and Im now requesting that these accounts be removed from my report as soon as possible. Their presence is causing me significant stress and misrepresents my true credit history and financial management. If we cant resolve this matter promptly, I may have to consider legal action to protect my rights and seek a solution. These inaccuracies are seriously hindering my ability to achieve important financial goals, such as buying a home and supporting my family. I hope we can address this issue quickly. 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 non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have one Inquiry still showing on my credit report for XXXX that was open in XX/XX/XXXX it should have been closed in XX/XX/XXXX. 
XXXX XXXX XXXX bank was a settlement and should be removed from report XXXX, MI XXXX XXXX XXXX was a settlement and should have been removed from report open in XXXX. 
XXXX  was a settlement and should been removed from report open in XXXX. 
JARED COMENITY BANK was a settlement and should be removed from my report XXXX, oh XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I have one Inquiry still showing on my credit report for XXXX that was open in XX/XX/XXXX it should have been closed in XX/XX/XXXX. 
XXXX XXXXXXXX XXXX XXXX was a settlement and should be removed from report XXXX, MI XXXX XXXX XXXX was a settlement and should have been removed from report open in XXXX. 
TARGET was a settlement and should been removed from report open in XXXX. XXXX XXXX XXXX was a settlement and should be removed from my report XXXX, oh XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have one Inquiry still showing on my credit report for QVC that was open in XX/XX/XXXX it should have been closed in XX/XX/XXXX. 
XXXX XXXX XXXX XXXX was a settlement and should be removed from report XXXX, MI XXXX XXXX XXXX was a settlement and should have been removed from report open in XXXX. 
TARGET was a settlement and should been removed from report open in XXXX. 
XXXX XXXXXXXX XXXX was a settlement and should be removed from my report XXXX, oh 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 2024-10-21 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: TN

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
I submitted complaint to AMEX through CFPB ( case number XXXX ). American Express denies attempting to solicit a payment through assurances of card reinstatement. I would like AMEX to reopen my account as I was assured on the phone of this resolution ( over XXXX was paid to the account as I promised ). 

I, the consumer, honored my word to pay. Amex ( a reputable company ) should do the same ; especially when dealing with XXXX XXXX service members who risk their lives to ensure these companies can even exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: NY

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX ACCOUNT # XXXX. HAS VIOLATED MY RIGHT. 
12 U.S.C 1681 SECTION 602A. STATE I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 604 A SECTION 2 : IT ALSO STATE A CONSUMER

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 2024-10-21 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: NY

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX ACCOUNT # XXXX. HAS VIOLATED MY RIGHT. 
12 U.S.C 1681 SECTION 602A. STATE I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 604 A SECTION 2 : IT ALSO STATE A CONSUMER

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: MD

Complaint narrative:
This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXX XXXX XXXX XXXXXXXX Balance : {$6300.00} XXXX XXXX Balance : {$120.00} These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent Experian a letter asking why was my XXXX XXXX XXXX points lower than other credit bureaus? They refused to respond sent me an email when I requested a response by mail. They sent me an email requesting my identification driver 's license and electric bill. 
Now ask yourself how have they been posting my score to the public for years if the don't really know who I am? There are 4 major credit bureaus ( CB ) and scores very which one is right? A doctor or hospital could not make sound decisions for a procedure or treatment if blood work or x-rays came back with XXXX-4 different scenarios. Or a US military commander make a sound decision for a vital mission with 3-4 different scenarios. It can't be done for a successful outcome. People treat the CB like the Bible they are completely fallible too or there would not be a {$6.00} XXXX dollar industry of law firms that all they do is sue CB 's and credit repair companies. 
My main question is why is Experian so evasive so far off than other CB '? Experian openly admits they get their info from other CB 's They are a marketing company not a CB company offering you more credit cards personal loans car insurance that is a conflict of interest. 
Experian post my score at XXXX for months with no change when other CB 's have my score a XXXX XXXX. They all all use the same credit XXXX Which one is right. Please help the people Experian is running a scam a form of a Ponzi game.

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 2024-10-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
I applied for loss mitigation/loan modification & I thought my servicer ( Shellpoint ) could help. The new payments are {$350.00} higher than previous payments & I thought these agencies try to work with homeowners but I was told " we don't negotiate with homeowners ''. I'm XXXX & have equity in my home. I researched & this house would sell between $ XXXX, XXXX believe I owe around {$180000.00} so I'm just trying to understand why the payments would go up instead of the servicer keeping payments affordable. Raising it by {$350.00} doesn't help me a bit.

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 2024-10-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: GREENSKY OPERATIONS, LLC
State: VA

Complaint narrative:
My complaint is on XXXX XXXX  and Greensky because Greensky is the financing company that financed the transaction on behalf of XXXX XXXX. I feel I am a victim of unfair, deceptive and abusive acts in order to get me to purchase a service that I did not need. Now I am stuck with an XXXX debt that I would not have taken out. I reached out XXXX XXXX back XX/XX/year> because I kept having water seeping into my basement from what it looked like at the time the main water line and the black pipe that runs through the house. ( I learned in recent that it's called a stack pipe, and it was a plumbing issue ) I explained to them that I needed the basement dry as for I recently had XXXX XXXX  and needed to move back in this house due to unforeseen financial / issue and separation from my husband. I walked around the basement with this salesperson ( XXXX XXXX ) and showed her where the water was coming from. She advised that if they waterproofed the basement and added this triple pump that would stop any water from coming into the basement. Offered me to finance the project in which I did with a {$2900.00} deposit and {$8700.00} finance option through Greensky. In recent I had to pay a plumber and file insurance claims for plumbing issues all along having to spend and addl XXXX for the actual issue. Then the icing on the cake comes when I have a 5-year service plan that i paid for that doesn't actually mean warranty because the pump broke recently only for them to tell me sorry you are outside of warranty and the service plan does not mean they cover items just " service it yearly ''. I reached out to Greensky to find out how they protect and make sure of this, and the woman was nice and attempt to reach out to XXXX XXXX to mediate she wasn't able to get in touch with them was supposed to schedule a call back with me and their contractor and I never heard back from them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-21 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: IN

Complaint narrative:
This particular complaint is specific to XXXX. However, I have disputed with XXXX, Equifax, and XXXX, as well as the creditors a few times at this point. I have even gone further to send things to your company to still have the items on my report. I had to go and study and do my due diligence to find more support as to why these items must be permanently deleted from my reports. The following are the items that must be deleted according to 15 U.S.C. subsection 1681 et seq. 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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: IN

Complaint narrative:
This particular complaint is specific to XXXX. However, I have disputed with XXXX, XXXX, and Experian, as well as the creditors a few times at this point. I have even gone further to send things to your company to still have the items on my report. I had to go and study and do my due diligence to find more support as to why these items must be permanently deleted from my reports. The following are the items that must be deleted according to 15 U.S.C. subsection 1681 et seqXXXX 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 explanation
Consumer complaint received 2024-10-21 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: EQUIFAX, INC.
State: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I signed up with a company XXXX XXXX that promises over the phone that they would help settle my debt fast. 

The man who spoke with stated that I would need to stop making payments to my creditors, and that they will begin negotiations for a low settlement. They stated it will lower my credit but only for a short time while they quickly made negations and settled my debt. This all made sense and was all advertised to be something they get done quickly. 

A year past and they were only able to settle with one company. I called the company frequently throughout the year, following up asking why it was taking so long to settle with the last three companies. Every conversations I would have it was never clear. They would always have an excuse and they blamed it on the other company stating they were waiting to hear back. The last time I called and the reason why I stopped working with XXXX XXXXl was that they stated that in order to come to a settlement I would need to pay them more money. I was confused because I was told they would quickly negotiate a settlement with the companies and I would pay XXXX XXXX Instead they wanted the money upfront which was not explained to me over the phone. What did not make sense was they were not reaching any settlements so my creditors were not getting payed and my credit was destroyed when they promised my debts would be settled fast. 

I ended up having to pay them over a XXXX dollars in attorney fees to stop working with them. It was a complete disaster and lie from the beginning. This company has taken advantage of so many people by lying say they will work very fast at settling debts and I feel I deserve some justice. I had great credit before I signed up with XXXX XXXX and they destroyed my credit and now Im left with a horrible credit score.

I was hoping to get some information on how to dispute these charges on my credit report to explain my situation and see if this can be fixed. 

Thank you, 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 2024-10-21 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: LendingPoint Holdings LLC
State: CA

Complaint narrative:
I signed up with a company XXXX XXXX that promises over the phone that they would help settle my debt fast. 

The man who spoke with stated that I would need to stop making payments to my creditors, and that they will begin negotiations for a low settlement. They stated it will lower my credit but only for a short time while they quickly made negations and settled my debt. This all made sense and was all advertised to be something they get done quickly.

A year past and they were only able to settle with one company. I called the company frequently throughout the year, following up asking why it was taking so long to settle with the last three companies. Every conversations I would have it was never clear. They would always have an excuse and they blamed it on the other company stating they were waiting to hear back. The last time I called and the reason why I stopped working with XXXX XXXX was that they stated that in order to come to a settlement I would need to pay them more money. I was confused because I was told they would quickly negotiate a settlement with the companies and I would pay XXXX XXXX Instead they wanted the money upfront which was not explained to me over the phone. What did not make sense was they were not reaching any settlements so my creditors were not getting payed and my credit was destroyed when they promised my debts would be settled fast. 

I ended up having to pay them over a XXXX dollars in attorney fees to stop working with them. It was a complete disaster and lie from the beginning. This company has taken advantage of so many people by lying say they will work very fast at settling debts and I feel I deserve some justice. I had great credit before I signed up with XXXX XXXX and they destroyed my credit and now Im left with a horrible credit score. 

I was hoping to get some information on how to dispute these charges on my credit report to explain my situation and see if this can be fixed. 

Thank you, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is to inform you of the inaccurate information thats being reported on my credit report. These inaccurate addresses and names on my report is damaging my financial situation. Please remove immediately.

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