vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Sir, all three credit bureaus ( XXXX, XXXX, and Transunion ) have still not updated my credit reports with accurate information I had mailed to them months ago. 

The XXXX XXXX - My spouse and I have notified all three bureaus months ago that I am no longer an authorized user, but it still shows that I am. This is my wife 's account. Please see attached documents A and urgently request that that information is removed asap. 

The XXXX XXXX XXXX- the remaining debt of {$740.00}. needs to be removed from all three credit bureaus. The account was settled. XXXX took over the debt of $ XXXX ago and hired XXXX XXXX XXXX XXXX. XXXX XXXX sent me a settlement agreement that if I make a one-time payment of {$500.00}. the remaining balance of {$740.00} would be waived or settled. See Doc. B. I made the payment, but the information still shows on my credit reports.

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 2023-08-29 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
In XX/XX/2023 I used a Lowes Credit Card to purchase a new refrigerator. Lowes delivered the refrigerator, and it was defective. After confirming the defective status with a technician, I went back to Lowes in XX/XX/2023. 

I purchased a second new refrigerator, again on the Lowes Credit Card. This was a different refrigerator, it was a separate charge on the Lowes Credit Card. 

When the second refrigerator was delivered, Lowes took the defective unit with them. I asked if I needed to sign any paperwork, and I was told no. I was told the charge for the defective unit would be refunded within a few days. 

As of this writing, XX/XX/2023, I have not been refunded for the defective refrigerator that Lowes took with them. I have both called and gone to Lowes several times, and am always told the refund is " processing ''. 

Since Lowes is unable to help, today I have filed a dispute with Synchrony Bank, attached. I am asking for CFPBs assistance resolving this dispute.

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 2023-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
" NewRez '' took over my loan from " XXXX XXXX '' effective XX/XX/XXXX with 2 weeks notice. I had already scheduled my XX/XX/XXXX payment. XXXX XXXX transferred my account minus the XXXX payment that doesn't clear my little local bank until the XXXX. They showed that I was a month late. Subsequently, with other correspondence the verified that they received and credited this payment to my XXXX payment due. 

Currently, they are trying to show TWO DIFFERENT DUE DATES : their " CONTRACTURAL '' DUE DATE AND THE STATEMENT DUE DATE. This is not right. 
I am current on all payments even though I went through a XXXX XXXX Bankruptcy. It was discharged in XXXX, 2023 as stated by the letter of XX/XX/XXXX from NewRez. At that time the Trustee stated emphatically that all due amounts ( including those certified as paid by " XXXX XXXX '' ) were current. 

It is my belief that with NewRez trying to show that new ( unwilling ) customers are paying a month behind that in the end of the term homeowners will end up making an extra payment on their loans. 

You can not be current and then suddenly a month behind.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: FL

Complaint narrative:
The company continues to report the account as Charged Off every month. The account was charged off XX/XX/2023 and is not supposed to continue to report at Charged Off 5 years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
I applied for a capital one secured credit card using my passport and itin number. Then I closed the account because I couldn't use it, but they didn't refund my deposit. My account number is XXXX My ITIN XXXX Passport at the time of application is XXXX And keep asking me to provide files that I don't have.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: NJ

Complaint narrative:
Noticed after reviewing my credit report on XX/XX/XXXX accounts, addresses, and inquiries that do not belong to me, also XX/XX/XXXX my bank account was compromised for XXXX dollars. I am a victim of identity theft and would like all accounts and addresses removed from my credit report. Accounts listed below, XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXXXXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX EXPERIAN/ XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX EXPERIAN XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXXXXXX XXXX XXXXXXXX EXPERIAN EXPERIAN XXXX XXXX XXXX EXPERIAN XXXX XXXXXXXX XXXX XXXXXXXX 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 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: ID

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ID XXXX ( XXXX ) XXXX XXXX XXXX, 2023 Comenity Capital Bank XXXX XXXX XXXX XXXX, OH XXXX To whom it XXXX concern, On Saturday XX/XX/XXXX, I was made aware by XXXX Bank, that my XXXX credit card payment due on XX/XX/XXXX, in the amount of {$2000.00} was declined by my bank. I authorized that same day with the XXXX representative to process a payment of {$2100.00}. 
Subsequently I called my bank XXXX XXXX ( XXXX bank ) to inquire about why the XX/XX/XXXX payment was declined. The XXXX representative told me that XXXX ( XXXX ) did not receive a payment request from Comenity and that no payment was declined by XXXX ( XXXX ). 
On Monday XX/XX/XXXX, I called Comenity to dispute the fraudulent Finance charge of {$36.00} and the returned check charge of {$30.00}, I was told that the system at Comenity was down experiencing issues. I called back on Tuesday XX/XX/XXXX the Comenity representative to dispute the fraudulent charges and I was transferred to a supervisor who instructed to write a dispute letter with an attached bank statement showing enough balance on the XXXX ( XXXX ) account. 
I enclosed my XXXX bank statement showing sufficient funds around XX/XX/XXXX, and an account record showing that no request of funds was denied by XXXX. 
I am requesting a refund of the fraudulent charges and a compensation for the time and aggravation that Comenity bank caused me. 

Sincerely yours,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I have numerous emails from affirm from XXXX XXXX stating I owe them & XXXX from XXXX XXXX. 
I do not have a visa XXXX in my XXXX XXXX profile, nor do i have this account. 
I believe Affirm is doing some kind of fraudulent activity. 
They are asking for my banking information, driver 's license, passport and social security number, which i will not give them. 
Even if i wanted to give it to them my account is frozen, I believe its fraud because on XX/XX/XXXX, they took unauthorized funds of {$10000.00} which i knew nothing about to open a savings account with affirm. 

I think the whole company is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: GA

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. 

has violated my rights. Or list of inquiries 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 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 2023-08-29 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: AR

Complaint narrative:
My husband and I have a mortgage through XXXX XXXX XXXX XXXX . In XXXX I called and tried to get help with out loan due to inflation costs we started to struggle with payment. After months of moving me from one plan to another they sent us a letter stating we were approved for the Covid-19 Recovery Standalone Partial Claim ( the " Plan '' ). 
In this letter one of the bullet points states, ' We will waive any late charges, fees, or penalties assessed to your on or after XX/XX/2020. 

I have called the numerous times and have filed disputes with Transunion, XXXX, and XXXX and resulting in them not taking off the payments. We have 5 late payments showing on our report and we are unable to get another loan to move to a different house with a smaller mortgage. I also expressed our home 's ac went out. We have been living in 90 degree temperatures because of our credit. They are continuing to refuse to remove the late payments. 
Thank you so much for your help on this matter. 


*They are also not explaining to consumers what types of things are covered for Covid-19 payment relief. Meaning I had to ask after months if inflation was part of this plan. I believe the company is doing this to many other people and are going to cause them to loose their homes.

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 2023-08-29 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: AR

Complaint narrative:
My husband and I have a mortgage through XXXX XXXX XXXX XXXX . In XXXX I called and tried to get help with out loan due to inflation costs we started to struggle with payment. After months of moving me from one plan to another they sent us a letter stating we were approved for the Covid-19 Recovery Standalone Partial Claim ( the " Plan '' ). 
In this letter one of the bullet points states, ' We will waive any late charges, fees, or penalties assessed to your on or after XX/XX/2020. 

I have called the numerous times and have filed disputes with XXXX, XXXX, and Equifax and resulting in them not taking off the payments. We have 5 late payments showing on our report and we are unable to get another loan to move to a different house with a smaller mortgage. I also expressed our home 's ac went out. We have been living in 90 degree temperatures because of our credit. They are continuing to refuse to remove the late payments. 
Thank you so much for your help on this matter. 


*They are also not explaining to consumers what types of things are covered for Covid-19 payment relief. Meaning I had to ask after months if inflation was part of this plan. I believe the company is doing this to many other people and are going to cause them to loose their homes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: WI

Complaint narrative:
I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: GA

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX**** Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX  opened up one account under my name totally fraudulently I sent proof to them that account doesn't belong to me. They were willing to remove it about 6 months ago and they did. Now a debt collector ( XXXX XXXX XXXX ) is trying to collect something I don't owe

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 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I filed a lost baggage claim with XXXX XXXX XXXX ( XXXX ) in XX/XX/2023 ( Claim # XXXX ). This is an advertised benefit offered by JP Morgan Chase issued Chase Sapphire Reserve credit card. 6+ months later, I am yet to receive a response for it. I havebeen asked to provide a number of clarification / additional documents which I have immediately provided. Yet my claim remains pending. I have called every week, and unable to reach a claims examiner over the phone. Literally every week, I receive the same response - " your callback is scheduled for 24-48 hours '' and " our large claims volume has slowed processing ''. I lost my bag after my wedding and am missing valuable items which me and wife need to replace. It is unacceptable that I have not been compensated for this long. The claim is for $ XXXX worth of lost items. I am disappointed that Chase continues to have a relationship with XXXX XXXX XXXX  ( XXXX ) for travel insurance services despite such poor customer services and issue resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay. I kindly urge you to rectify this situation immediately and ensure that my account accurately reflects my history of on-time payments.

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 2023-08-29 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: GA

Complaint narrative:
Upon reviewing my updates, the incorrect information was found in my reports which has been taken care of due to written appeals I sent, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of ACCOUNTS that are still reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-29 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 recently found that there are several fraudulent items on my credit report that dont belong to me. I do not have any idea regarding these fraudulent accounts on my credit report. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report 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
Consumer complaint received 2023-08-29 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: FL

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that dont belong to me. I do not have any idea regarding these fraudulent accounts on my credit report. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report 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 explanation
Consumer complaint received 2023-08-29 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: IL

Complaint narrative:
Please remove this erroneous account from my credit report as it is not mine and I did not authorize anyone to use it. I have attached the necessary documents to support my claim.

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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
XXXX XXXX ( XXXX ) notified me both about a late payment and foreclosure. I had a total of {$70.00} overdue for a month. This was the result of an escrow analysis that was performed in the first quarter of 2023 an emailed to me. The email likely went to spam as I did not receive either a letter or phone call. 
I called on XX/XX/XXXX as a result of a letter from XXXX stating home was to be foreclosed. I called them for an explanation and they informed me I was behind by {$70.00}. My payment had increased by {$70.00} in XXXX to be applied in XX/XX/2023 moving forward. CM also reported me late for the month of XXXX, even though I had paid {$1600.00} on XXXX. XXXX explained shortage was taken from escrow account and I paid and additional amount of {$140.00} on XX/XX/XXXX, to account for the shortage in XXXX and XXXX. 

This late report is impacting my ability to obtain credit. The {$70.00} were taken out of escrow for the month of XXXX and I made an extra payment in XXXX to cover that. XXXX, please explain why I am being reported late. I have never had issues with any other mortgage service providers ; XXXX continues to conduct themselves egregiously.

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