vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-19 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Late payment after changing address Want to remove from credit

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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I have had it with Experian 's handling of my issues with the way they are reporting my personal information. There are wrong addresses on there that I have never even lived at. In response, I have gotten letters from them requesting information that I already sent out ( a utility bill with my current address, my ID with my current address, etc ). 

I mailed them the requested information on XXXX, XX/XX/XXXX, XX/XX/XXXX, At this point mailing them so many times out is messing with the security of my information. I mailed them a follow suit letter as well on XX/XX/XXXX showing that XXXX fixed the errors on my personal information in my report and that experian is obligated by FCRA laws to follow suit by also updating my information so it matches. 

I have included files that show that Experian has received the information they are YET AGAIN requesting. 

The only information on my credit report should be my current address : XXXX XXXX XXXX XXXX XXXX, OR XXXX my current phone number : XXXX and my current employment status : XXXX  Student at University XXXX XXXX XXXX This week, XX/XX/XXXX I received XXXX letters from experian after I submitted my previous complaints with the CFPB. XXXX of those letters are asking for the information I have already sent over XXXX TIMES!!!!!!!! I sent my current utility bill from XXXX, and I even included my XXXX that contains my SSN! 

I have sent an OVERWHELMING amount of evidence to get the wrong information removed and have the right information stated on my credit report. Experian is especially messing with my ability to move at the moment since whenever my credit is pulled, they see the erroneous previous addresses. 

I HAVE ATTACHED EVIDENCE THAT SHOWS I MAILED MY EVIDENCE MULTIPLE TIMES ALONG WITH THE LETTERS.

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 2024-08-19 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 2024-08-19 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Context : Synchrony 's online portal combines different cards for ease of access such as Amazon and TJMaxx/Marshalls, etc. TJMaxx Card Services reported late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX even though autopayment ( that successfully works for the Amazon Card ) was set up through the Synchrony online portal. 

On XX/XX/XXXX, we called Synchrony for clarification asking why the autopayment wasn't working & why the website wouldn't allow us to initiate the payment using the portal. They did not explain but focused on collecting the debt. We further expressed our frustration that the website wasn't working but we paid the {$27.00} late fee because we wanted to resolve the situation quickly ; customer service agreed to refund us the {$27.00} late fee & told us to expect the credit on our next bill in XXXX. 

The {$27.00} credit did not happen in XXXX. 

On XX/XX/XXXX, another autopayment was declined & we were charged a {$38.00} late fee. When we called to rectify on XX/XX/XXXX, we asked why autopayment wasn't working, they said our bank information was bouncing. We confirmed our autopay was set up & paid the {$38.00} late fee using the account. When we told them we did not receive the refund awarded to us in XXXX, the agent told us they can only refund us one-time {$38.00} late fee. They said we would receive the credit the next month. 

The {$38.00} credit did not happen in XXXX. 

On XX/XX/XXXX, another autopayment was declined & we were charged a {$38.00} late fee. When we called to rectify, we spoke to another Manager who said our autopay was never set up correctly & still was not set up correctly. She said that they had been trying to reach us since XXXX to no avail which is incorrect ; we've called them every month this occurred because it is negatively affecting our credit & experience with the card company. We explained we were told several times the late fee would be credited to us & none of those times did we receive them. Manager said she can only refund us one-time {$38.00} late fee. She said we would see the credit within 48 hours. 

Synchrony Customer Service team was deceptive & provided misinformation when we were trying to rectify the nonpayment issue. Several times we were promised credits for late charges & those credits were not received.

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 2024-08-19 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: NY

Complaint narrative:
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, EXPERIAN, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of bogus ACCOUNTS AND addresses. 


The account in my name that stems from the identity theft : XXXX XXXX XXXX acct # XXXX A copy of an FTC report listing the Accounts opened in my name is enclosed. My consumer FICO credit report now contains fake accounts as a result of this Identity Theft. A copy of your consumer FICO credit report, which includes the aforementioned bogus account. The aforementioned accounts as reported, are unfamiliar to me. The Accounts listed above is the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint # XXXX and A Police Report # XXXX XXXX XXXX as official documentation from the US Federal Trade Commission demonstrating that the Accounts listed above are all the product of fraud and identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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:
I'm setting up to offer my misgiving concerning the tried records on my credit report. On various events, I have raised the issue of errors in these records, and have continually alluded to that they be all around separated. In spite of my undertakings, I in a little while clearly can't get any objective or repairing movement. These misguided records are genuinely hurting my credit report and deterring my ability to happen with a regular life. The antagonistic outcomes of these slips up have caused tremendous challenges for me, and I'm left with no choice next to battle for your assistance with keeping an eye on what's going on at the earliest doorway. I carefully request that you direct a thorough assessment concerning the fundamental of these tried records. It is basic that the pivotal advances are taken to enable and change my credit report immediately. With your help, I really want to restore the exactness and customariness of my credit record so I could recuperate control over my money related thriving. I really urge you to present this matter your for the most part absurd suggestion and take a catalyst action. Your coordinated effort and moving in settling this issue rapidly would be gigantically critical. Thankful to you without skipping a beat for your perception and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
As I checked my profile I realized there were some hard inquiries that did not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing and sending this complaint with absolute certainty and extreme frustration, there are a lot of errors on my credit report that I just can not ignore anymore as this has been negatively impacting my life and credit score making me unable to achieve financial freedom and stability.

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 2024-08-19 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am filing this complaint because my credit reports show several unauthorized inquiries that I did not initiate or approve. These inquiries have appeared without my consent, and despite reaching out to the credit bureaus to have them removed, they remain on my reports. My disputes have been ignored or dismissed without proper investigation, leaving these inaccurate inquiries to negatively impact my credit score. This situation is both alarming and unjust, as these inquiries are not a result of any actions Ive taken. 



EQUIFAX Listed below are the Inquiries that are being challenged INQUIRY - XXXX - XXXX INQUIRY - XXXX XXXX XXXXXXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX - XXXX XXXX Listed below are the Inquiries that are being challenged INQUIRY - XXXXXXXX XXXX XXXX XXXX XXXX INQUIRY - XXXXXXXX XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX - XXXX INQUIRY - XXXX XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXX XXXXXXXX XXXX INQUIRY - XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXX  XXXX INQUIRY XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX - XXXX INQUIRY XXXX XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXXXXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX IncorrectPersonalEmployers XXXXXXXX XXXX XXXX XXXXncorrectPersonalEmployers XXXX XXXX XXXX  IncorrectPersonalEmployers XXXX XXXXXXXX XXXX XXXX IncorrectPersonalCurrent addresses XXXX XXXX XXXX XXXX IncorrectPersonalPrevious addresses XXXX XXXXXXXX XXXX XXXX IncorrectPersonalPrevious addresses XXXX XXXX XXXX - Incorrect

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am filing this complaint because my credit reports show several unauthorized inquiries that I did not initiate or approve. These inquiries have appeared without my consent, and despite reaching out to the credit bureaus to have them removed, they remain on my reports. My disputes have been ignored or dismissed without proper investigation, leaving these inaccurate inquiries to negatively impact my credit score. This situation is both alarming and unjust, as these inquiries are not a result of any actions Ive taken. 



XXXX Listed below are the Inquiries that are being challenged INQUIRY - XXXX - XXXX INQUIRY - XXXX XXXX XXXXXXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX - XXXX EXPERIAN Listed below are the Inquiries that are being challenged INQUIRY - XXXXXXXX XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXXXXXX XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXX XXXXXXXX INQUIRY XXXX XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXX  - XXXX INQUIRY - XXXX XXXX - XXXX INQUIRY XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXXXXXX INQUIRY XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXX XXXXXXXX INQUIRY XXXX XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX - XXXX INQUIRY XXXX XXXX XXXXXXXX - XXXX INQUIRY - XXXXXXXX XXXX XXXX XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX IncorrectPersonalEmployers XXXXXXXX XXXX XXXX IncorrectPersonalEmployers XXXX XXXX - IncorrectPersonalEmployers XXXX XXXXXXXX XXXX XXXX IncorrectPersonalCurrent addresses XXXX XXXX XXXX XXXX IncorrectPersonalPrevious addresses XXXX XXXXXXXX XXXX XXXX IncorrectPersonalPrevious addresses XXXX XXXX XXXX - Incorrect

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 2024-08-19 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: NJ

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: IL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX, While on a plane from XXXX to the United States I received a security message regarding a charge of {$420.00} at a XXXX in XXXX California. I responded to the message stated I did not recognize the charge and upon landing at XXXX I called the recommended number to report and dispute the transaction. It was not possible for me to make this transaction as I was not present in the country at the time and had my debit card on my person. When On the phone with the Claims agent I contacted from the number XXXX, i specified that this is fraud for the reasons mentioned such as not being in the country and having my physical card on my person as well as utilizing my card via chip while traveling. I also stated I would like to have a new card delivered and open a fraudulent claim on the transaction. I was told I would receive a phone call and email once the claim was resolved. 

XXXX The Claim was resolved and the transaction was deemed authorized but I received no direct communication other than a letter in the mail. 

XXXX XXXX I received a letter in the mail stating that my claim of fraud was denied and the transaction in question was authorized. I then called the claims department the following Monday to be informed that they can not reopen my claim as it was already decided. Additionally when i requested formal documents from the claim review it was stated that it would take 60-90 days which would place any inquiries I make about this instance of fraud invalid as they are not within Wells Fargo 's stated period. When requesting the names of the individuals I had spoken with to issue my claim with Wells Fargo in an effort to collect information for a claim to the proper regulatory channels that information was denied to me. I was informed by a secondary agent on XXXX that the individual who originally filed my claim misfiled it as a dispute rather than fraud and this is why they are unable to reopen my claim. I have multiple forms of proof that I was not in the country at the time of the transaction as well as the security messages and bank statements showing my prior transactions were overseas with my physical card. My claim as of right now is being denied on the basis of " Wells Fargo has ways of determining if a transaction was authorized or not '' according to the primary claims department agent I spoke to on XXXX. The misfiling of my claim should not fall onto me as it is not my error in the resolution of this issue however it is barring me from reclaiming the money that was fraudulently used to purchase {$420.00} of goods from a XXXX in 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 monetary relief