vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-08 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: MA

Complaint narrative:
I am writing to formally dispute inaccurate information on my Experian credit report. On XX/XX/XXXX, I contacted Experian regarding the following incorrect information on my credit report. To this date, they have not responded. Below, I have provided the details of the inaccurate information and the required corrections : The following account is not mine : Creditor : XXXX, XXXX. 
Account Number : XXXX Open Date : XX/XX/XXXX Credit Limit : {$900.00} Please remove it from my credit report. 

You are reporting the XXXX XXXX  XXXX XXXX account incorrectly : Date Opened : XX/XX/XXXX Reported Balance : {$2300.00} I dispute the reported balance, as I believe it to be lower. 
Remove the information regarding the Past Due amount, as this account is closed and charged-off. 
Please mark this account as disputed to prevent its negative influence on my credit score. 

The information on the XXXX XXXX  XXXX XXXX account is inaccurate : Date Opened : XX/XX/XXXX Reported Balance : {$680.00} The reported balance is higher than I remember. 
Remove the Past Due amount as this account is closed and charged-off. 
I plan to contact the creditor to clarify the reported data. 
Until corrections are made, please mark this account as disputed. 

I request verification of the XXXX  XXXX account : Date Opened : XX/XX/XXXX Reported Balance : {$6300.00} The reported balance is inaccurate, and I believe it should be lower. 
Remove the Past Due amount as this account is closed and charged-off.

Please mark this account as disputed while I resolve my dispute with the creditor. 
Also, verify the Date Opened, Date of Status, and First Reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank
State: OH

Complaint narrative:
I had an account with first progress a XXXX  credit card with a {$200.00} limit. I had called to close the account and paid off the balance in full. I asked for proof to be mailed. A month later still no statements mailed and my access to the app and online portal was locked effectively preventing me from monitoring or paying on the account. It is a violation of federal law not to provide an account statement. I called in and the agent claimed the account was still open and when asked why he said a late fee had been charged. Come to find out they had not closed the account but instead had charged late fees for XXXX XXXX and XXXX months after it was closes and paid. When asked why three late fees and there should have been no balance they refused to provide or mail statements they just claimed the charges was valid. Ibmade a request to remove the fraudulent late fees which the entire remaining " balance '' on the card is just the fees. I have not used the card since paying it off since it was closed. First Progress is using deceptive banking practices such as fee gouging and refusing to provide account access to be able to even pay or monitor the account to charge over {$120.00} in fees on the card since it was closed. I even paid one of the fees when I closed the account not knowing it had been added. Since then two additional fees have been added to the closed account. This is illegal and to this day XXXX am refused accounting statements

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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: FL

Complaint narrative:
Still reporting Inaccurate Information, disputed letters has been submitted with no actions according to FCRA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I am writing to formally dispute several hard inquiries that have appeared on my credit report, which I believe to be unauthorized. The purpose of this letter is to request a thorough investigation and, if appropriate, the removal of these inquiries from my credit report. 


I have carefully reviewed my credit report from your bureau, dated [ XX/XX/XXXX ], and have identified the following hard inquiries that I do not recognize and did not authorize : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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: LEXISNEXIS
State: LA

Complaint narrative:
I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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: CBC Companies, Inc.
State: LA

Complaint narrative:
I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Venmo would not process my request to pay out. Kept getting message saying to try again later. For days, I tried to process from different devices, through mobile and desktop sites, through app, removed and reinstalled app but kept getting same message. In accordance with message, try later can be as soon as you receive the message. So I tried repeatedly and eventually I got a message saying the account was locked. At no time did Venmo provide a warning stating the account would be locked for any reason like multiple attempts. Why it was locked is still unknown. FYI, Venmo reps have told me the try again later message has been happening for years and that they get hundred to thousands of calls about it. Obviously, theres a software issue that Venmo ( PayPal ) is just ignoring. 

Initially, I contacted them by phone. Follow up communications were through email. I requested my account to be unlocked. XXXX XXXX tried to force me to give them copies of my ID my identification had already been previously confirmed and I was not going to give a copy of my ID out. 

I advised XXXX XXXX that my banks new security protocols now required me to provide details on what caused the lock out before they would allow me to re-established an account link again. XXXX XXXX refused to provide any details on the lock out. I advised XXXX XXXX that without lock out the details, my bank wouldnt allow me to use Venmo any longer. XXXX XXXX didnt care so I requested the account to be permanently closed and deleted. Initially he refused to do anything with the account and said I would have to do it, through the accounthello XXXX, the account is locked! Later, I requested confirmation that the account was deleted. He kept providing two different answers, one of which, clearly indicated that they were not going to honor my request and that they were keeping the account ( in a locked status ). I asked him to connect me to his legal department more than oncehe refused. He also told me that even with a cancelled account ( not a deleted account ), that they retain a lot of my account information. I requested a detailed list of which specific itemshe provided a cut & paste generic list from their terms and conditions. I again request specifics and got the same cut and paste ( I assume he was doing this again to antagonize me ). 

Based on what I have been told by XXXX XXXX, Venmo is not going to explain what action or actions caused the account to lock and my locked Venmo account will not be deleted ( and that theyre going to keep my personal data ). 

XXXX XXXX definitely needs a lot more training ( or supervision ) before he should be handling customers. In most companies, hed be subject to disciplinary actions. There are lots of other companies other than Venmo ( a PayPal companywho is just as bad ) to use, and thats what Ive done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: National Credit Adjusters, LLC
State: VA

Complaint narrative:
XXXX XXXX does not operate in my State of Virginia. It is illegal and also illegal to come after me but they keep selling my so called debt and putting it on my credit reports AFTER I HAVE ALREADY HAD IT REMOVED!! It was just recently been put back on my report in XXXX of 2023 and that is a complete falsehood.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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: CAVALRY INVESTMENTS, LLC
State: LA

Complaint narrative:
I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Gurstel Law Firm, P.C.
State: NE

Complaint narrative:
A debt collection agency sent a summons and order of garnishment in aid of execution without sending a letter stating the amount of the debt or the ability to dispute or what the original debt was for, which was sent to an address of a family member and not my own address of 3+ years. This letter was sent by mail XX/XX/2023 with a response limit of 3 days to an address I do not reside at with no verification of the debt. I have made multiple calls in an attempt to retrieve information regarding this assumed debt. I have also written a letter asking for these documents listed for verification of the debt. I should not be having my wages garnished for a debt I am unaware of let alone with out prior contact or attempt to aware me of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
My car was totalled in XXXX. My insurance company has tried paying off my car in XXXX but they do not show any payment and keep trying to get me to make my monthly payments. I have made several attempts to call Bridgecrest to get this straightened out but it is always a random person that gives me no information other than we show no payment. I have asked for me and my insurance company to have one person to work this out and they refuse to give me a name and extension or anything. My insurance company has to talk to some random person, not even someone we are both in communication with. This seems like a scam to me. A reputable business should have someone you can talk to, to get things handled and situated with both me and my insurance company. All I can do is sit back and make monthly payments on a totalled car that my insurance company sent a check to, because they will not transfer me to anyone that can assist me or my insurance company. It is very frustrating and I can't keep making car payments on 2 cars

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Hello, On XX/XX/2022 I opened a checking account with Chase when they offered a {$400.00} bonus with requirements which I completed on time. The completed requirement they are denying me is the Direct Deposit which was completed on time, XX/XX/2022. See the offer & direct deposit from my employer attached using a company called XXXX ( a XXXX XXXX XXXX ). After closing the account I opened an account at XXXX XXXX & those deposits are noted as Direct Deposit. 

I spoke to a representative three times & walked into the bank. No one wanted to listen. 

I feel like I was lied to. Surely, they should be up on how employees/independent contractors are paid by using other means of direct deposits. Or, perhaps they just didn't feel the amount of the deposit wasn't high enough. There was no limit indicated by Chase. 

Thank you for your help! I sure am relieved to know you are here to protect consumers. You were very quick to respond with great results when I reached out when I helped my sister & a client who needed help with their loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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:
Mixed File : Mixed credit report of another person with a similar name with mine and is causing all their debts to show up on my 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 non-monetary relief
Consumer complaint received 2023-09-08 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: NJ

Complaint narrative:
I reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate that's why I am reaching out to you. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( XXXX ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on 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 non-monetary relief
Consumer complaint received 2023-09-08 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: FactorTrust, Inc.
State: LA

Complaint narrative:
I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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: LA

Complaint narrative:
I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on 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 non-monetary relief