vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I need billing statements for a legal proceeding. I requested statements at the beginning of XXXX. Truist sent statements for XXXX, XXXX, and the available months in XXXX, however they failed to provide statements back to XXXX as required and clearly requested. I requested again and did not receive any response even though I allowed a few weeks for them to complete the request. When I called today, they said they were unable to complete the second request ( no notice provided ), but they would submit another request. I requested to speak with a supervisor to emphasize the urgency of the request, and after multiple holds, I was told no supervisor was available. They also informed me that statements were not available before XXXX until I pressed the representative and she said they could do research. Considering that I have been requesting these for a month and a half and nothing before XXXX has been received, I believe they have failed to retain appropriate records.

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 2024-04-12 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: NY

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 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
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 2024-04-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Better Mortgage, Inc.
State: VA

Complaint narrative:
I applied for a Home Equity Line of Credit ( HELOC ) through Better.com. They sent me XXXX checks : A check made out to XXXX for {$15000.00} to pay off a balance, which was overnighted to my primary residence in Virginia. 
A check made out to XXXX for {$21000.00} to pay off another balance, also sent to my primary residence. 
As of XX/XX/2024, XXXX has received their payment. However, the check sent to XXXX hasn't been received yet. Meanwhile, XXXX, who handles my autopayments, hasn't removed me from their system despite my request. I'm asking Better.com to reissue a check to me so I can pay XXXX directly. Alternatively, they can send a wire payment directly to XXXX for the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: MO

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and 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 2024-04-12 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: MO

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and 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 2024-04-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In late XXXX, XXXX, someone opened several credit cards in my name. I called the various credit bureaus and all cards were closed, including the one at Capital One. Unfortunately, Capital One refuses to send me anything that shows that i opened an account. They sent me several requests to pay their outstanding bill, but i never opened an account. When I call, I always am sent to a call center overseas, and then i get a letter saying that they looked into it and their records say i owe them money. Can they do this? I'm so frustrated because this has been going on for near eight months. I'm beyond frustrated. Can you help me??

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: GA

Complaint narrative:
I took out a {$400.00} loan from this company mid XXXX. I went online and paid off early XX/XX/24 and noticed I was charged {$130.00} when the payoff amount was {$380.00} ( XXXX on XX/XX/24. I was charged these XXXX amounts. I called the company several times inquiring about why XXXX payments were taken out of my account. They lied and said I called in on the XXXX off XXXX to pay off and then gave another excuse that they could not refund me because the payment had gone through ( they took out ). I had this loan for about XXXX  days and I should have been charged the {$400.00} plus any interest it accrued. I calculate they overcharged me by {$90.00} by having me to make payoff amount and XXXX  month 's payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Credit Dispute for Account Reporting Violations Dear Sir/Madam, I am writing to dispute the accuracy of information on my credit report, specifically regarding the accounts listed below. As per the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that the information reported on my credit file is accurate, fair, and substantiated. In accordance with 15 USC 1666b, creditors are obligated to provide timely information as outlined in section 1637b, which they have failed to do so. 

I am requesting proof that the required information was mailed or delivered 21 days before the payment due date, as mandated by law. Failure to provide such validation would render late payment reporting invalid, thus requiring the removal of these derogatory marks from my credit report. 

The accounts in question are : XXXX. XXXX XXXX  Account Number : XXXX XXXX. XXXX XXXX  Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX I request that you conduct a thorough investigation into these matters and provide me with documented proof of compliance with the aforementioned consumer protection laws. If such evidence can not be provided, I expect the inaccurate reporting to be promptly removed from my credit file. 

Please inform me of the steps taken to address this dispute and the resolution thereof. You may contact me at the provided phone number or email address to discuss any further information required to facilitate this process. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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: MI

Complaint narrative:
I opened this car loan in XX/XX/2020- which right after this car loan was opened, we had a world pandemic. This car reported lates on my credit report when it should not have - the entire world shut down due to COVID, I was unable to work and XXXX XXXX XXXX knew that and with the government assistance not coming through fast enough and unemployment was impossible to get, there were some lates that happened that were out of my control. XXXX reported a 30 and 60 day lates on my credit report. None of this should have happened in the first place, these lates were out of my control due to the pandemic.

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 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute unauthorized inquiries listed on my credit report, which were conducted without permissible purpose, thus violating federal law. Pursuant to 15 USC 1681b, credit inquiries must be made with permissible purpose, and any inquiries made without such purpose are considered unauthorized. 
The inquiries in question were conducted without my consent or authorization and were not initiated for any legitimate business need. As a result, they do not meet the requirements outlined in the Fair Credit Reporting Act ( FCRA ) and must be removed immediately. 
Furthermore, these unauthorized inquiries also violate 15 USC 1681e ( b ), which mandates that credit reporting agencies must ensure the accuracy of the information they report. By including unauthorized inquiries on my credit report, the credit bureaus have failed to uphold this requirement, thereby further violating federal law. 
I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that the unauthorized inquiries are promptly removed from my credit report. Additionally, I urge the Bureau to hold the credit reporting agencies accountable for their failure to comply with the FCRA and other relevant consumer protection laws. 
Enclosed with this letter is a list of my credit report highlighting the unauthorized inquiries below. 

XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 2024-04-12 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: 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.

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 2024-04-12 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: TX

Complaint narrative:
Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, TransUnion, & XXXX didn't make sure it was reporting 100 % correct. 
In accordance with the FCRA and Metro 2 compliance reporting standards. 
Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, TransUnion, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.

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 2024-04-12 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: TX

Complaint narrative:
Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, XXXX, & Equifax didn't make sure it was reporting 100 % correct. 
In accordance with the FCRA and Metro 2 compliance reporting standards. 
Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, XXXX, & Equifax have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
The information on my consumer report is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Please find the attached record of the account being deleted XXXX. 

I contacted Transinion previously to have an investigation completed yet they havent provided me with anything.

Transunion failed to properly investigate and resolve my previous dispute. 

XXXX has provided me with the attached letterhead stating I have no account. If the merchant is unable to locate the alleged debt, how does transunion still hold me responsible. 

XXXX, XXXX have deleted the account. Transunion continues to illegally use my name and information to further cause me economic distress

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 2024-04-12 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: NY

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 2024-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
Commencing on or about XX/XX/2024, I fell victim to two multi-layered scam operations run by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Coinbase account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge 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: FL

Complaint narrative:
I disputed a charge, including where there is NO signed charge receipt and Synchrony denied my dispute and told me in writing that I would receive a letter explaining their decision within 7-10 business days, and as of today XXXX, which is 13 business days since THEY said I would receive the letter, NO letter has arrived. The letter could easily be attached in the message portal they provide but they haven't bothered to even do that. After sending message after message in the portal about the status of the letter, I get generic emails telling me there are messages for me to read and either I get an error OR no messages to view. I need that letter to consider potential legal action regarding my dispute. I gladly give my permission for anyone to view this complaint AND what most likely will be a subsequent complaint for denying my valid and solid evidence dispute. A copy of the email explaining when I would receive a letter regarding my dispute is enclosed/attached.

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 2024-04-12 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 have items on my report that are still not removed after being requested

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 2024-04-12 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: MO

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2024-04-12 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: GA

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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: CA

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 2024-04-12 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: CA

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