vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-31 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:
To somebody who can help me. I am deeply upset about the erroneous things I see on my credit report. These accounts are unverifiable, invalidated, inaccurate, and questionable. If everything is not reporting 100 % accurately it must be removed. I hope you find out what's going on to and who the inaccurate information belongs to. Can you all clear this up quick. It is my understanding that you will do an investigation immediately, a new credit report that reflect the updated changes should be sent.

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 2023-10-31 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:
To somebody who can help me. I am deeply upset about the erroneous things I see on my credit report. These accounts are unverifiable, invalidated, inaccurate, and questionable. If everything is not reporting 100 % accurately it must be removed. I hope you find out what's going on to and who the inaccurate information belongs to. Can you all clear this up quick. It is my understanding that you will do an investigation immediately, a new credit report that reflect the updated changes should be sent.

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 2023-10-31 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: GA

Complaint narrative:
I have disputed this item numerous times in the last years, Experian and/or creditor fail to investigate the matter and just brush me off with canned response that the information has been verified but fail to provide proof and method of validation. 
Creditor has demonstrated inconsistent reporting as seen in the attached XXXX XXXX report that I have high lighted the inconsistency across the XXXX major credit bureaus that demonstrates the creditor 's inconsistent reporting, FAIR CREDIT REPORTING ACT/REGULATION V Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumers dispute that the furnished information is inaccurate or incomplete. 
This inaccurate reporting is affecting my ability to obtain credit as seen in the attached adverse action letter from XXXX. 
The CFPB and XXXX needs to implement some kind of measure to hold not only the creditor ( XXXX ) but the credit reporting agencies responsible. I have been looking into XXXX XXXX and have seen where consumers can sue for remedy but the average consumer doesn't have the know how or the time to follow through and the credit reporting agency and/or creditors take advantage of that and do whatever the XXXX they want to and if the consumer pushes back most time they get blown off or they try to intimidate them.

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 2023-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
For the entire year I've been pleading with capital one to offer me a repayment plan for my XXXX accounts with them that I could actually afford. To date, capital one has REFUSED to offer me terms that are realistic, resulting in me missing payment after payment. Of course this has resulted in repeated negative hits on my credit report. It has become clear that capital one has NO INTENTION of helping me. Instead, capital one CONTINUES TO CHARGE MY ACCOUNT OVER THE LIMIT FEES, not because i personally went over the limit, MY ACCOUNTS ARE OVER THE LIMIT BECAUSE OF THE FEES. So in short, capital one is getting rich off of my inability to make my payments. I have been enduring SEVERE FINANCIAL DISTRESS for all of 2023. They continue to mail me letters with payment amounts that i can not make. I would like to add that capital one is the only creditor that I am behind on payments with. All my other creditors have removed the interest and lowered the payments, and I haven't missed any payments with any of those bills. Capitol one refuses to work with me. I have filed complaints in the past, but NO ONE is holding capital one responsible for anything... and I want to know why. If capital one removed all interest and late fees, and offered a repayment plan, let 's say {$50.00} on each account, I could likely be able to manage that. Instead, they are asking for payment amounts I just don't have. I am self employed and can never anticipate my income. If it weren't for my husband paying the mortgage with his pension, I would be homeless. XXXX is enough with capital one and their heartless practices. I can't afford small claims court, or even to fix my car to get there, even if i wanted to. Yet, capital one is getting rich off of the suffering of others!!! Moving forward, I am going to make small payments, and I know it won't be enough, but until capital one offers a solution that is actually something I can afford, they will get what they get from me. I will NEVER call the customer service number again, because they are useless, and only offer terms that i can not meet. It is past time for someone to hold capital one responsible, especially since there are so many customers like me with the same complaint. Before the pandemic and my current financial strain, I had always made my payments on time with capital one, and now that i am in a dire financial position, they just don't care, as CAPITAL ONE CONTINUES TO PROFIT OFF OF THE SUFFERING OF OTHERS, which should be considered criminal!!!!! I hope that someone finally puts an end to this insanity!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Netspend Corporation
State: NY

Complaint narrative:
They froze my cards on there own i tried 40 times to authenticate and provided documents they always told me " No problem we will lift the restriction " 40x 's they told me this and also my Case Worker at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I am 100 % XXXX Service Connected Veteran from the United States Marine.. The Bank is Brinks Bank & Trust Company, it is a Master Card Prepaid Debit card the even refused to update my informstion on the Brinks All Access Money Application.. Their # is XXXX XXXX The Compromised cards are XXXX XXXX XXXXXXXX XXXX and XXXXXXXX XXXX XXXXXXXX XXXX They charged me fees on these XXXX cards and then restricted them.. The two times the cards were delivered were left outside my apartment door on the floor with I being home both times.. Please help me.. Thank you so much.

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 2023-10-31 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: Source Receivables Management LLC
State: GA

Complaint narrative:
SOURCE RECEIVABLES HAS VIOLATED USC 1681A1AI BY NOT RESPONDING IN 30 DAYS TO MY DEBT VALIDATION LETTER THER RECEIVED ON XX/XX/2023 TRACKING # XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: GA

Complaint narrative:
To somebody who can help me. I am deeply upset about the erroneous things I see on my credit report. These accounts are unverifiable, invalidated, inaccurate, and questionable. If everything is not reporting 100 % accurately it must be removed. I hope you find out what's going on to and who the inaccurate information belongs to. Can you all clear this up quick. It is my understanding that you will do an investigation immediately, a new credit report that reflect the updated changes should be sent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX ct XXXX, nc, XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Dispute on Credit Report under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Dear TransUnion, In accordance with The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am writing to notify you of discrepancies on my credit report dated XX/XX/XXXX : XXXX. **Date of Birth** : My correct date of birth is XX/XX/XXXX, while the report lists XX/XX/XXXX. 

To resolve this dispute, I would like to refer you to this [ In accordance with The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am writing to notify you of discrepancies on my credit report dated XX/XX/XXXX : ]. 

Please investigate and correct the aforementioned inaccuracies as mandated by the FCRA. I anticipate your prompt attention to this matter. 

Sincerely, [ XXXX 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 2023-10-31 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:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SERVICEMAC, LLC
State: MA

Complaint narrative:
Every year I receive a threatening letter from ServiceMac stating that their records show my home insurance has expired, even though I ALWAYS pay my home insurance as soon as I receive the bill ( sometimes sooner! ) and pay in full. This year I sent payment in full on XX/XX/XXXX. Policy does not expire until XX/XX/XXXX! Service Mac does not provide an email address and demands I mail proof in a pdf format. I don't have a printer! They threaten to purchase the insurance and I will have to pay them whatever the cost is. If they believe my home insurance has expired they could easily check with the agent ( XXXX XXXX XXXX ( XXXX ) or XXXX XXXXXXXX XXXX XXXX XXXXXXXX, part of the XXXX XXXX XXXX ). I've had the same agency and insurer since ServiceMac bought my loan.

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 2023-10-31 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: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
CAINE & WEINER HAS VIOLATED 15 USC 1681 A1AI BY NOT RESPONDING IN 30 DAYS TO MY DEBT VALIDATION LETTER THEY RECEIVED ON XX/XX/2023 TRACKING # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX we agreed on a 24 month payment plan for XXXX XXXX XXXX. Upon our request ; we asked XXXX to send us proof that we signed a contract stating we agreed to pay for services over 24 months. We received from XXXX XXXX XXXX XXXX XXXX And XXXX form dated XX/XX/XXXX and the signature did not even come close to mine nor my wife 's signature. The form stated that we had agreed to a 60 month plan which was false. We also received a XXXXystem Purchase and Services Agreement dated XX/XX/XXXX. The signature on this form was no where close to mine nor my wife 's signature also. So these forms were fraudulently signed and stated we agreed to a 60 month plan instead of the 24 month plan we agreed to. 
The signatures on both forms do not even match, nor or they close to the same signature, which proves we did not sign these forms. 
Please review and respond to whatever steps we are to take next. 
Thanks! 
XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I called and have sent letters to Equifax due to noticing unauthorized inquires on my credit report and that maybe someone applied for something in my name and FRCA requires all unverified and unauthorized items must be removed from my credit report, but no one is assisting in getting this done. I am being told that I need to contact the original credit bureau and I have assured Equifax each time that I have but they give me no other options and tells me there is nothing they can do. This is very frustrating, and it does not comply with Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ct XXXX, nc, XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dispute on Credit Report under The Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq. 
Dear Experian, Pursuant to The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am bringing to your attention inaccuracies on my credit report from XX/XX/XXXX : XXXX. **Date of Birth** : My correct date of birth is XX/XX/XXXX, while the report lists XXXX. 


Attached are [ relevant documentation, if any, such as a birth certificate or employment verification ] to validate my claims. 

I request that you investigate and make necessary corrections as per the guidelines of the FCRA. 

Sincerely, XXXX 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 2023-10-31 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Someone apply for information on me and I didnt apply for dont no who this year and I didnt authorize for it

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 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My father, XXXX XXXX XXXX passed away on XX/XX/2023. He had a credit card with XXXX XXXX XXXX which was XXXX # XXXX that had about a {$47000.00} balance on it. I called the XXXX XXXX XXXXXXXX credit card company and told them that my father had passed away. They sent me information on how to go about resolving the account. I had not taken steps to resolve the account when I noticed that my personal credit score had gone down XXXX points due to a delinquent payment. I found out that XXXX XXXX XXXX pinned my dads credit card onto my credit report, which is fraud. I was neither a co-applicant on the card, nor an authorized user on the card. Can you please help me with the situation?

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 2023-10-31 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: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
Requesting lease addendum and all signed documents. XXXX only provided a tenant ledge with charges that were not validated. A bill is not a verified document.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: Netspend Corporation
State: MO

Complaint narrative:
XX/XX/XXXX they texted and said account has been locked, called and said different email reset and was working then later same thing call center so they cancelled my XXXX cards and it also showed I had XXXX others that were not mine XX/XX/XXXX got new cards activated and was fine then later that day texted again account is locked callled and email changed again reset user name and password, XX/XX/XXXX same thing reset and was fine afternoon locked again and then suddenly they said I had a old dispute that was from 2013 that I needed to pay started out at XXXX changed later to XXXX now XXXX and wants me to send them cash

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX XXXX {$35000.00} was charged on my Home Depot / Citi Bank credit card at the Home Depot store in XXXX XXXX XXXX. I live in XXXX XXXX and shop in the XXXX store. It looks like washing machine and some sort of straps were purchased. I did not make nor have any knowledge of this purchase. I called their fraud department and started a fraud investigation. About a month later they sent me a letter stating that I made the purchase and had to pay. No explanation! I called again and they sent me to their security department. They asked me a few questions and stated that the investigation could take up to 90 days. On XXXX XXXX I received the same letter stating that their investigation shows that I made the purchase and had to pay. Again no explanation! I have not called them again because the people I speek with do not help. I asked them to block my card and to not send me another one. They sent me another anyway and somebody tried to use that one. Any help you could provide will greatly appreciated. 
Thank 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 non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I mailed a check for {$330.00} to XXXX XXXXXXXX. XXXX. The check # was XXXX for {$330.00}. It was due XX/XX/2023. I sent it XXXX XXXX never cleared my bank. I called customer service at XXXX. They say we have no record of it? Then I told them to take it out electronically. Then I received a bill with a XXXX late fee and a XXXX interest fee total of {$440.00} XXXX XXXX acct # is XXXX. Today XX/XX/2023 I find out I have XXXX payments of {$330.00} taken from my bank acct. I think they held my check to garner late fee and interest. I have always been a good customer but these people are full of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
My SSN was on the dark web and they told me to contact you to do a credit freeze

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synovus Bank
State: NC

Complaint narrative:
I am writing to bring to your attention a critical matter concerning a credit dispute with First Progress Credit Card ( " 1st Progress '' ). Despite repeated attempts to resolve the issue, First Progress has failed to provide a response or undertake corrective actions as mandated by the Fair Credit Reporting Act ( FCRA ). The purpose of this correspondence is to formally document the aforementioned issue and request your intervention in rectifying this matter. 

Account Information : Account Number : XXXX Alleged Charge-off Amount : {$150.00} XXXX wish to emphatically state that I have never maintained or held any form of credit card issued by First Progress XXXX Notwithstanding this fact, First Progress has reported the alleged charge-off of {$150.00} on my credit report, which is not only inaccurate but also severely detrimental to my creditworthiness. 

Furthermore, I have made diligent efforts to rectify this erroneous reporting by sending XXXX written disputes to First Progress on the following dates : XXXX. XX/XX/2023 XXXX. XX/XX/2023 Regrettably, I have received no response or acknowledgment of these disputes from First Progress. This consistent lack of engagement and the failure to adhere to the statutory obligations prescribed by the FCRA compel me to seek your assistance in addressing this matter. 

It is evident that First Progress has not complied with the requisite standards and best practices in the credit reporting industry. Their continued refusal to acknowledge and rectify this error has far-reaching implications for my creditworthiness and financial well-being.

Company response to consumer: Closed with explanation