vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I purchased a camera for my small business using a 12 month 0 % interest offer from comenity bank ( through XXXX XXXX XXXX XXXX ). I divided the total by XXXX so that I could pay it in full before the interest expired and paid XX/XX/XXXX of he amount early every month, never late. I paid the final amount due 5 days before the statement due date not realizing they made the 0 % due date before the final statement date. The 0 % date was XX/XX/XXXX and I made the payment on XX/XX/XXXX. It was listed in small print on the bill that the 0 % expired on XX/XX/XXXX, but I believe it is more than reasonable to assume I would have XXXX statements to pay the 12 months no interest. I believe they intentionally make the statement dates due after the 0 % offer expires so that people will have to pay interest fees. They charged me ( a small business owner ) {$970.00} interest. I also accidentally paid the final payment {$0.00} too short. I paid that as soon as I got the new statement and realized what happened. 
I called and asked for them to remove the finance charges and spoke to at least XXXX people on two occasions. I was told I had to request an investigation online through their messaging which I did. After a few months hey sent me a letter dated XX/XX/XXXX saying the charges were valid and the case was closed. My balance is now up to {$1100.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-29 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: TX

Complaint narrative:
" Method of Verification Dispute Notice : Request to Reinvestigate & Delete Inaccurate personal infomation I am composing this letter to formally file a complaint about the inaccurate personal information that appears on my credit report. I discovered confidential information that does not belong to me while reviewing my credit report, including [ specific details such as an incorrect name, address, and Social Security number ]. I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies, as this erroneous information may have a detrimental impact on my creditworthiness and financial standing. Your immediate attention to this matter is greatly valued, and I am in anticipation of a prompt resolution to guarantee the accuracy and integrity of my credit report. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I received letters from Regions Bank stating that I have a credit card that I don't remember sign up for Upon inquiring about this concern with XXXX XXXX XXXX, she attempted to sign me up for a new line of credit, and subsequently revoked my current credit line.

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 2024-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX is reporting inaccurate, false information which is a clear violation of the FCRA and violates my rights which the DATE OF LAST ACTIVITY IS BEING REPORTED, just disputing an account shouldn't not re-set the date of last activity this is considered an administrative event it can only be reset by making a payment for which I've never did it's shows on my credit report as XXXX please delete 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 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to express my continued concern regarding ongoing issues with my Equifax credit reporting. Despite numerous attempts to resolve the matter, I am still experiencing difficulties with my credit score not being reported to lenders or third-party services. 

I have complied with your request to submit a copy of my Social Security card and a photo for account verification purposes due to a previous account split. I have sent this information twice, and it has been confirmed that they received the documents. However, the problem persists, and the issue has been escalated multiple times without resolution. 

I kindly request your urgent assistance in addressing and resolving this matter. Your prompt attention to this issue would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
In XXXX we refinanced the house for {$190000.00} with GMAC Mortgage. We refinanced again in XXXX to take advantage of the interest rate drop again using GMAC Mortgage. 

In XXXX refinanced a second time with a mortgage for {$170000.00} to satisfy the amount remaining on the mortgage from XXXX, which we had been paying on for XXXX  years. However, during that refinance process no " satisfaction of mortgage '', " lien release '' or " discharge of mortgage '' for the XXXX mortgage for {$190000.00} that was filed with the XXXX XXXX XXXX of Deeds ( XXXX, Massachusetts ) so it appears that we have two mortgages on our property.

We have been trying to work with XXXX to see if they can help and they referred us to GMAC ( not helpful ). My attempts to contact Ally Bank have not been successful since they do not recognize my SS # or the loan number I have. I have also spoken to the XXXX XXXX XXXX XXXX XXXX, who are listed on the settlement statement ( HUD-1 ) document. After explaining the issue, they checked their archives and said they did not have a discharge statement even though the body of the HUD-1 indicates that the Principle Balance Of Payoff Loan to GMAC MORTGAGE LLC PAYOFF was XXXX. The person I spoke with at XXXX XXXX speculated that because GMAC Mortgage and Ally Bank were the same entity with just a name change it is likely the process was handled internally and the discharge of mortgage was not processed and recorded with the County Registry of Deeds. I submitted a complaint with the Federal Reserve Consumer Help Center about Ally Bank because I have not been able to get through to a person to request assistance with this problem, their response " Please be advised that the entity you are inquiring about is subject to oversight by the Consumer Financial Protection Bureau ( CFPB ) for certain consumer protection laws and regulations. Which is why I am now filing a complaint here.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

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 2024-07-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

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 2024-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

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 2024-07-29 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

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 2024-07-29 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: TX

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: NY

Complaint narrative:
On XX/XX/year> XXXX XXXX ran my credit report without my authorization. I have not applied for any products from them and did not give them permission to run my report. 

On XX/XX/year> XXXX XXXX  ran my credit report and caused my my scores to drop due to an unauthorized inquiry. I never game them permission to run my report and never gave them my info to pull my credit file. 

Both these companies accessed my file without my permission and I will like these hard inquiries to be removed from my credit file. they have caused my scores to drop after months of hard work to raise my scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: FL

Complaint narrative:
Company has not resolved the issue they never provided me with their findings or factual proof the originally deleted the information to turn around and state that they are putting it back on my credit file because it has been verified. None of the information belongs to me per the law they have not provided me with significant evidence as well as they haven't provided me with the documents requested. I have not received original contracts with my signature or anything please delete asap before I tend to my lawyers. I will attach the original request of mine again for this is the 100th time doing this correct this asap.

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 2024-07-29 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: FL

Complaint narrative:
Company has not resolved the issue they never provided me with their findings or factual proof the originally deleted the information to turn around and state that they are putting it back on my credit file because it has been verified. None of the information belongs to me per the law they have not provided me with significant evidence as well as they haven't provided me with the documents requested. I have not received original contracts with my signature or anything please delete asap before I tend to my lawyers. I will attach the original request of mine again for this is the 100th time doing this correct this asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
i requested information in good faith. I feel this is unfair and illeagal and fradulant and not equitable. I disputed this inacurate information numerous times before contacting CFPB. Pls remove frm consuonsumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SG and Associates
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 that I have the right to privacy. 15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1681 c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 explanation
Consumer complaint received 2024-07-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 explanation
Consumer complaint received 2024-07-29 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: Experian Information Solutions Inc.
State: MD

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 explanation
Consumer complaint received 2024-07-29 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: IN

Complaint narrative:
On XX/XX/year> I contacted XXXX in regards to some accounts that appear on my report. I am currently incarcerated so there is no way I could have opened these accounts. I have submitted the necessary documents to dispute said accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 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: IN

Complaint narrative:
On XX/XX/year> I contacted XXXX in regards to some accounts that appear on my report. I am currently incarcerated so there is no way I could have opened these accounts. I have submitted the necessary documents to dispute said accounts

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 2024-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.

Complaint narrative:
Dear Coinbase Support Team, I am writing to formally lodge a complaint regarding my ongoing difficulties in accessing my Coinbase account. I originally created this account while residing in the United States but have since returned to my home country, XXXX. Unfortunately, I no longer have access to my XXXX phone number, which has prevented me from logging into my account. 

Over the past several months, I have made numerous attempts to resolve this issue through Coinbase 's verification process, submitting various documents including my passport, government ID, and an electricity bill. Despite these efforts, I have been unable to regain access to my account. 

I am deeply disappointed with the lack of responsiveness and assistance from Coinbase 's customer support. Despite multiple requests for help, my situation remains unresolved, and I have not received adequate support or communication from Coinbase. This experience has been highly frustrating and concerning, especially considering the financial nature of the services Coinbase provides. 

As a customer, I expect a higher standard of service and a more reliable process for resolving such critical issues. The current situation not only undermines my confidence in Coinbase 's services but also raises serious concerns about customer support and account security. 

I am now reaching out in the hopes of finally receiving the assistance necessary to regain access to my account. If this issue is not resolved promptly, I may be forced to escalate the matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) due to the lack of adequate support and resolution provided by Coinbase. 

Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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