vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I opened a care credit card on XXXX made a charge the same day. Never received a statement nor the actual card. However, Synchrony found it fitting to generate a statement XXXX days after the opening of the card and set a due date for XXXX, less than XXXX  days after the opening and initial charge. This is the information that was shared with me by Synchrony via online chat. They managed to send me a text message to remind me of my balance but did not send a statement. 

This is the second time Synchrony has implemented this practice with me. The XXXX  time was with a XXXX card. I have NEVER had any credit card company to set a due date for less than XXXX days of the initial charge. This feels like predatory lending.

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I believe there are fraud alerts on my credit reports with XXXX, Equifax and XXXX XXXX respectfully. At this time I request that all credit bureaus remove these fraud alerts from each credit report. I am also requesting my free annual credit report from XXXX, Equifax and XXXX XXXX at this time to be mailed to my home address. My drivers license is attached. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Provided a $ XXXX loan at XXXX % interest rate XX/XX/22 over the phone. 
This interest rate was extremely over what my credit rating was. I was assessed an excessive interest rate I was not offered the payment protection plan. 

I stating discriminatory practices as a person of XXXX and gender. 

I've had a almost XXXX  year history with this bank at that time. Never late on any account. There was absolutely no reason that I was accessed this rate. 

I had to deal with my daughter who was in and out the hospital due to XXXX and referral for XXXX XXXX. This is a credit union that offered me higher interest rates than XXXXXXXX XXXX and XXXX  How is that?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
When my HELOC was transferred from XXXX to Shellpoint/Newrez , an accounting error occurred. Since XXXX of 2024, dozens of phone calls, documentation describing the error, snapshots of direct deposits, spread sheets verifying their accounting error, etc. has been communicated/issued to Shellpoint/Newrez. XXXX letters from Shellpoint have been received stating they are working on resolving the issue. To date, nothing has been done by them other then sending incorrect monthly statements. Every phone call ends in nothing but the representative saying they are sorry and they'll expedite the research and have someone call me. I have never received a call. It has been over XXXX months dealing with these people with no results. I need your help, how can pressure be put on this issue so it can get rectified?

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 2025-01-14 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 recently reviewed my credit report and identified several items that I believe to be inaccurate. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports.

Furthermore, under 15 U.S. Code 1681i ( a ) ( 5 ) ( A ), if disputed information is found to be inaccurate, incomplete, or unverifiable after reinvestigation, the consumer reporting agency must promptly delete or modify the item and notify the furnisher of the information. 
I request that you investigate the following items and take immediate action to correct or remove them if they can not be verified : XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX Please complete your investigation and notify me of the results within XXXX  days of receiving this letter, as required by the FCRA. Once the disputed items are modified or removed, kindly send me an updated copy of my credit report. 
Thank you for your prompt attention to this matter. Should you require any additional information, please feel free to contact 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
Consumer complaint received 2025-01-14 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: MS

Complaint narrative:
I am filing a complaint regarding multiple inaccuracies on my credit report, which have not been properly investigated by XXXX, Experian, and XXXX. I disputed several items on my credit report, but the company failed to conduct a reasonable investigation as required by the Fair Credit Reporting Act ( FCRA ). 

Specifically : XXXX. Improper Investigation : I submitted disputes for multiple inaccurate items, but the investigations conducted were insufficient. The credit bureau marked these items as verified without providing supporting documentation from the data furnishers. 
XXXX. Unverified Items Marked as Verified : I disputed various accounts that I believe were inaccurately reported. The credit bureau responded by indicating that they were verified, but did not provide any supporting documentation or proof of accuracy for these items. 
XXXX. Reinsertion of Disputed Items : After my disputes were resolved, I noticed that several items I had previously disputed and had removed were reinserted onto my credit report. I was not notified of this reinserted information, which violates my rights under the FCRA. 
XXXX. Data Breach Concerns : Given concerns about recent data breaches involving credit bureaus, I am requesting the removal of any unverifiable or inaccurate items remaining on my credit report. 

Despite my attempts to resolve these issues directly with XXXX, Experian, and XXXX, they have not provided the necessary information or corrected the errors. I am requesting that these inaccuracies be removed immediately, as they have not been verified and continue to negatively impact 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 2025-01-14 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 am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 

Below are the accounts I am requesting to be reinvestigated : ACCOUNT NAME : XXXX  Account XXXX ACCOUNT NAME : XXXX ACCOUNT 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 2025-01-14 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: NJ

Complaint narrative:
Please take this complaint seriously, as it was submitted with careful consideration. My credit report contains mixed information, including accounts, transactions, and items that are not mine. This is highly concerning and has caused me significant stress and 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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In XXXX  during the COVID-19 pandemic, my vehicles financing department always threatened to repossess my vehicle during that difficult time. I filed bankruptcy thinking that would be the solution to not getting my car repossessed. Unfortunately the lawyers could not proceed with anything and the car was still repossessed. Bankruptcy was still placed on my credit report showing a {$0.00} balance. Basically, the XXXX  XXXX bankruptcy was filed in error and does not belong on my report. I would like for the bankruptcy to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: LEXISNEXIS
State: AL

Complaint narrative:
I would like to report inaccurate findings by LexisNexis and XXXX XXXX XXXX. XXXX XXXX XXXX has XXXX errors that were reported to LexisNexis. 
XXXX. An accident occurred on XX/XX/year>, my son was driving the vehicle. XXXX listed the accident occurring on XX/XX/year>. The accident report was sent to XXXX showing the correct date. The letter of experience ( XXXX ) XXXX emailed me shows the date XX/XX/year> is still on the XXXX. 
XXXX. My son was driving the vehicle. XXXX entered the information into a database that shows up on my driving record and history holding me responsible even though I was not driving. My wife is also listed on the policy but my wife is not being held liable nor is it affecting her commercial insurance. I am not sure if XXXX is retailing against me because I cancelled my auto policy with them. 
I recently obtained commercial insurance and these XXXX errors from XXXX and LexisNexis are affecting my livelihood. I am unable to afford my commercial insurance due to the errors that have been made, my monthly payments have doubled. I contacted my commercial insurance and was told until XXXX corrects the errors I will have to pay the increased rate. I have been under stress trying to get these errors corrected.I am currently taking care of my wife that suffers from XXXX from the military, so I am the breadwinner for my family. 
I constantly get transferred from person to person at XXXX. I leave voicemails with XXXX XXXX. She's the claim XXXX with XXXX. She has not helped me to resolve the issue in trying to fix the errors. I called LexisNexis and filed a dispute with them. LexisNexis claims they have to wait to hear from XXXX and LexisNexis says they have been unsuccessful in getting in contact with XXXX. 
I need help on what I should do next in trying to get these errors fixed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: GA

Complaint narrative:
Attending to obtain a mortgage from a mortgage company and Equifax has my credit report blocked. Not able to move forward with mortgage. Mortgage company unable to view credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: LA

Complaint narrative:
I am writing to file a complaint against Cash App ( Square , Inc. ) regarding an unreasonable hold on my funds, which has lasted for more than 70 days as of this submission. 

Details of the Issue : Date of Initial Transaction : XX/XX/year> Amount Held : {$360.00} Cash app email : XXXX Cash app tag : XXXX XXXXXXXX Reason Provided by Cash App ( if any ) : No Reason Provided Attempts to Resolve : I have contacted Cash Apps customer support multiple times to inquire about the status of my funds and request their release. Despite my efforts, they refuse not return the money back to where it came from neither have I received a satisfactory resolution or clear communication regarding when my funds will be made available.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In XXXX  during the COVID-19 pandemic, my vehicles financing department always threatened to repossess my vehicle during that difficult time. I filed bankruptcy thinking that would be the solution to not getting my car repossessed. Unfortunately the lawyers could not proceed with anything and the car was still repossessed. Bankruptcy was still placed on my credit report showing a {$0.00} balance. Basically, the XXXX  XXXX bankruptcy was filed in error and does not belong on my report. I would like for the bankruptcy 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 non-monetary relief
Consumer complaint received 2025-01-14 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: IL

Complaint narrative:
I HAVE BEEN AFFECTED BY SEVERAL DATA BREACHES. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. THIS ACT VIOLATES 18 U.S.C. 1029, WHICH PROHIBITS THE UNAUTHORIZED USE OR POSSESSION OF ACCESS DEVICES WITH INTENT TO DEFRAUD. REPORTING INFORMATION THAT IS KNOWN TO HAVE ERROR IS A DIRECT VIOLATION OF 15 USC 1681S-2. PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXXXXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: FL

Complaint narrative:
As you are aware, data breaches have become more prevalent, and my personal information was among those affected. I have reason to believe that the following entry on my credit report is the result of this breach and, therefore, may not be accurate.Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain accurate, complete, and verifiable information. 
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 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 2025-01-14 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: NJ

Complaint narrative:
I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 

Below are the accounts I am requesting to be reinvestigated : ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX  Account XXXX ACCOUNT NAME : XXXX ACCOUNT 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 2025-01-14 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: GA

Complaint narrative:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, XXXX data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX - XXXX, XXXX XXXX - XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.

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 2025-01-14 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: EQUIFAX, INC.
State: NC

Complaint narrative:
PLEASE SEE ATTACHED. 

INACCURACIES ON CREDIT REPORT AFTER MULTIPLE DISPUTES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-01-14 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.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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