vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-01 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: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-05-01 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: TX

Complaint narrative:
Every month the payment balance for the loans are not updated at each credit bureau, the last reporting dat is list as XXXX, but none of them updated the balances. As of XX/XX/XXXX, the balances remain the same. 

The total balance remaining is {$3500.00}, EACH bureau should have this balance. Each individual loan total should be updated according to the documents attached from 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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Every month the payment balance for the loans are not updated at each credit bureau, the last reporting dat is list as XXXX, but none of them updated the balances. As of XX/XX/XXXX, the balances remain the same. 

The total balance remaining is {$3500.00}, EACH bureau should have this balance. Each individual loan total should be updated according to the documents attached from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Every month the payment balance for the loans are not updated at each credit bureau, the last reporting dat is list as XXXX, but none of them updated the balances. As of XX/XX/XXXX, the balances remain the same. 

The total balance remaining is {$3500.00}, EACH bureau should have this balance. Each individual loan total should be updated according to the documents attached from XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Sent a message to Wells Fargo regarding fees being charged on my credit card for non-interest balance transfer. Instead of correcting the issues they tagged more fees for the balance transfer which i had already paid previously.

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 2024-05-01 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: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
This is regarding American Express chargeback dispute XXXX and I already provided American Express with the return tracking which shows the merchant signed for the return and received it. 

I am not sure if American Express chargeback team is being incompetent here or just XXXX against me because I am XXXX and this XXXX and I am disputing with is run by XXXX males. The issue is that I RETURNED the damaged product I received. First off I shouldnt have to pay for a product that arrived damaged. Second off I RETURNED it right back to the merchants address. The merchant have me many options to return including dropping it off at one of their satellite / other local stores etc. I paid for my own return shipping and had it returned to the merchants store address and XXXX tracking shows it was signed for by the store itself so there is NO dispute the store has it back. The store has lost the return since its been almost a month since it was delivered to them returned to them. I am owed my full money back for this order. 

This is regarding American Express chargeback dispute XXXX and I already provided American Express with the return tracking which shows the merchant signed for the return and received it. I also provided the return label which shows the merchant address was where it was shipped back to. I am owed my full money back for this return of the damaged product.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-01 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 non-monetary relief
Consumer complaint received 2024-05-01 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: TX

Complaint narrative:
I asked the bureaus to update my address but they dont ever do it. 

I need these addresses removed immediately as information attached to creditor reports of other people with similar names and addresses keeps being reported to mine. 

XXXX XXXX XXXX XXXX ( Address not mine ) XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( Address not mine ) XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Address not mine ) XXXX XXXX, TX XXXX XX/XX/XXXX I only live here : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX  Account # : - XXXX ( UNVERIFIED ) XXXX XXXX Account # : - - XXXX ( UNVERIFIED ) XXXX XXXX  XXXX Account # : - XXXX ( UNVERIFIED ) XXXX XXXX  XXXX Account # : - - XXXX ( UNVERIFIED ) XXXX XXXX Account # : XXXX ( UNVERIFIED ) XXXX  XXXX Account # : - XXXX ( UNVERIFIED ) XXXX XXXX Account # : XXXX ( UNVERIFIED ) XXXX XXXX Account # : XXXX ( UNVERIFIED ) XXXX  Account # : XXXX ( UNVERIFIED ) XXXX XXXX XXXX Account # : XXXX ( UNVERIFIED )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: TX

Complaint narrative:
I asked the bureaus to update my address but they dont ever do it. 

I need these addresses removed immediately as information attached to creditor reports of other people with similar names and addresses keeps being reported to mine. 

XXXX XXXX XXXX XXXX ( Address not mine ) XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX ( Address not mine ) XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Address not mine ) XXXX XXXX, TX XXXX XX/XX/XXXX I only live here : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX Account # : - XXXX ( UNVERIFIED ) XXXX XXXX Account # : - - XXXX ( UNVERIFIED ) XXXX XXXX  XXXX Account # : - XXXX ( UNVERIFIED ) XXXX XXXX  XXXX Account # : - - XXXX ( UNVERIFIED ) XXXX XXXX Account # : XXXX ( UNVERIFIED ) XXXX  XXXX Account # : - XXXX ( UNVERIFIED ) XXXX XXXX Account # : XXXX ( UNVERIFIED ) XXXX XXXX Account # XXXX XXXX ( UNVERIFIED ) XXXX Account # : XXXX ( UNVERIFIED ) XXXX XXXX XXXX Account # : XXXX ( UNVERIFIED )

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 2024-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Midland Credit Management has been attempting to collect and threaten to sue for a debt not belonging to them, not only do they not have a valid contract verifying the debt belongs to be but they also do not have a license to practice to collect debt in my state. They are reporting inaccuracies to my credit report which is hurting my score terribly. 
Emails began as early as XX/XX/XXXX, I have submitted several disputes to credit bureau as well as a debt validation letter to collector between XX/XX/XXXX and present. There are several inaccuracies reporting to my credit report. 
The amount they are requesting is for {$1500.00} The last letter was mailed XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am filing this complaint to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and satisfactory validation has not been provided. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
On XX/XX/XXXX, I purchased a couch, mattress, and box spring from AshleyFurniture.com using the " 60 Month 0 % APR '' promotion. Those items were not charged to my card until over a month later on XX/XX/XXXX. 

My receipts state that the purchases were made with " 60 Months XXXX XXXX ''. 
The payments for this card are managed through MySynchrony, and when payments began, I set my account to AutoPay the correct monthly amount to pay down the balance within the 60 months. 

On XX/XX/XXXX, I opened the MySynchrony dashboard while budgeting to check the balance, and then I found that I had been charged interest at a rate of 9.99 % every single month since payments began in XXXX of XXXX. 

I immediately went to MySynchrony support to ask why this was happening, and they directed me to XXXX because " the vendor sets the terms. '' I then reached out to chat support on AshelyFurniture.com and explained the issue. They stated, " 60 month promotions are only for in-store purchases. '' This may be the case now, but was not when I purchased in XX/XX/XXXX. I asked for the number to their finance department and was given that number ( XXXX ). Before calling the finance department, I called the general support line and was told the same thing, " 60 month promotions are for in-store purchases only. '' I then called the finance department and spoke to XXXX. I explained the situation and she said that she would take it to her managers and get back within 3-5 business days. To be fair, this means I should hear back by XX/XX/XXXX. XXXX also stated that the promotion code could have been inputted incorrectly, but she could make no promises. 

I have the receipts to prove " 60 Months Promotional Financing '' but I have not been given a copy of my original promotional agreement. I know it was 0 % APR, as that was the only deal I was willing to take at that time. The current APR they are charging me is 9.99 %, roughly {$30.00} per month in interest charges. I have requested that they retroactively credit all interest charges back to my balance and continue with the origianl 60-month 0 % interest deal as promised. 

Receipts have been attached to this complaint.

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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The 3 CRAs have been furnishing and reporting numerous accounts with many inaccuracies that I removed in the past! Now when I go back and look their reporting a Bankruptcy ( which by 15 USC 1681i ( 4 ) and 15 USC 1681 ( i ) 5 ) which Bankruptcy courts DO NOT REPORT SUCH PRIVATE INFORMATION to the CRAs and I am distraught by their actions! Also their reporting accounts that are not reporting 100 % accuracy and I will list the accounts below! 
Experian : XXXX  XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX. XXXX Bankruptcy XXXX XXXX XXXX XXXX  XXXX Bankruptcy

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 2024-05-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: FL

Complaint narrative:
I never in my life had sprint I lost my wallet the year of 2022 with my social security number and identification in and ever since then stuff started popping up on my credit report PLEASE REMOVE THIS FROM MY CREDIT FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
I did a pledge pledge loan with Navy Federal paid it all up to {$50.00}. It was a {$3000.00} loan. They reversed it and put it towards my negative accounts wins. I told them someone was stealing money out of my account. They say I authorized it {$6000.00} came up missing out of my account not to mention the unauthorized charges after I informed him of this they reversed my payment of {$2900.00} into the negative account and now theyre on my report saying that I owe {$3000.00} but I have paid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: IN

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. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE this fraudulent information from my credit report.

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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud

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 2024-05-01 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), my rights have been violated : 1. Under 15 USC 1681 ( a ) ( 2 ) ( a ) ( i ), which states that a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the payment. 

2. Pursuant to 15 USC 1681 section 604 ( a ) ( 2 ), which outlines the permissible purposes for which consumer reports can not be furnished without written instructions, any violation of these provisions constitutes a breach of my rights. 

3. My rights have also been infringed upon under 15 USC 1666b, which specifies that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Therefore, any reporting of late payments on my credit report is inaccurate and should be rectified accordingly. 

XXXX XXXX - XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: VA

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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 non-monetary relief
Consumer complaint received 2024-05-01 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: VA

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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 non-monetary relief
Consumer complaint received 2024-05-01 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:
I recently checked my credit report and I see some incorrect information that is affecting my credit report and my ability to obtain credit at the moment, can you please investigate this account? 
account- XXXX account number- 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 2024-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: MO

Complaint narrative:
I have this debt collector acting as if I own {$2500.00} on a debt they trying to collect and posing as XXXX XXXX XXXX. I never had a title loan with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Hello I sent a letter to all 3 agencies plus XXXX XXXX about non verifiable information on my report. They have responded that its accurate and verified but the court clerk and pacer both stated that they do not report information to credit agencies. 
This information is being unlawfully reported and they refuse to remove it from my report. when I responded to their letter saying its verified I never received a responded after 60 days. 

this notice also serves as my rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! 
You are improperly reporting an alleged Public Record to the credit bureaus that is clearly in noncompliance with recognized XXXX Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit. Without being certifiably compliant with XXXX reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less a public record that was not even reported to you by the alleged Court of record. I formally contest the reportability of the alleged Public Record.

Company response to consumer: Closed with explanation