vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: FL

Complaint narrative:
I was denied a rental application due to First Advantage XXXX XXXX XXXX, XXXX, IN XXXX reporting I have a criminal record on 2006. I do not have or ever had any criminal records and I email them a copy of a Police Background Check from last year showing I do not have any records and a copy of my ID as well as my Social Security. The email me a few days later a rental denial due to either insufficient or unacceptable information contained in your consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Can you check the documents? These late payment remarks are inaccurate and I want it removed and updated to positive.

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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
I keep reporting to the credit bureau that TD auto finance is improperly reporting. XXXX XXXX XXXX XXXX XXXX XXXX. Has been taking {$400.00} payments from me as the vehicle is in collections not charge off and according to the law firm I owe XXXX not XXXX as TD Auto Finance is reporting. I have filed dispute after dispute and it is not being corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Can you check the documents? These late payment remarks are inaccurate and I want it removed and updated to positive.

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 2024-04-15 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: SC

Complaint narrative:
Improper use of credit report and inaccurate information. Failure to respond and update. 
" see attached documents ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I filed a dispute with Synchrony bank amounting to {$300.00} back on XX/XX/2023 for a car sound system parts that I bought in XXXX via there third party seller which is the XXXX XXXX XXXX. I placed an order on the said parts on XX/XX/2023 with a XXXX XXXX XXXX. : XXXX and supposed to be delivered on XX/XX/2023 but nothing arrived on the given address. It wasn't just XXXX dispute that I filed but i filed XXXX times and it always came back in favor of the merchant due to the fact that there was a XXXX tracking number claiming that it was delivered which was not. Im hereto attached the said tracking number with XXXX and a screenshot of the parts that I ordered in 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 monetary relief
Consumer complaint received 2024-04-15 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: TX

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 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 2024-04-15 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: SC

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 XXXX 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 explanation
Consumer complaint received 2024-04-15 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: EQUIFAX, INC.
State: SC

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 XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Ive been an American Express ( Amex ) customer since XXXX have never been charged a late fee or interest charges as it relates to my credit cards. 

I recently opened a new Amex credit card under account XXXX but it seems the Autopay function did not carry over from my current Amex credit card to my new Amex credit card which resulted in a {$29.00} late fee on XX/XX/XXXX and {$58.00} interest charge on XX/XX/XXXX. 

I called Amex customer service on XX/XX/XXXX as asked why the auto payment did not occur for this account and was told that this needs to be manually entered. I requested the {$29.00} late fee and {$58.00} interest charge ( {$87.00} total ) to be refunded as a one-time exception and was denied on the basis that this is a new account despite explaining that I have been a customer since XXXX and having explained that I was not aware that the auto-pay must be manually entered for each account.

It is my belief that Amex willfully engaged in deceptive financial practices to harm consumers by instituting a manual autopay function for each account for the sole purpose of charging late fees and interest charges. I would further accuse Amex of financial fraud and ask CFPB to investigate this further.

As resolution, ( 1 ) I ask CFPB to request Amex to refund the {$29.00} late fee and {$58.00} interest charge ( {$87.00} total ) back to my Amex account XXXX and ( 2 ) I ask CFPB to investigate AMEX for deceptive financial practices to harm consumers as it relates to this case for late fees and interest charges.

Thank you. 

Best, XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Data Mortgage Inc.
State: TX

Complaint narrative:
I received partial claim paperwork for loss mitigation that I needed to fill out. Once I filled it out and returned it to my mortgage company. They informed me that some items on the partial claim paperwork were incorrect, and I would need to have it modified. I inquired as to when my payment plan would start then as the time for me to submit the paperwork would be after that. I was told to not make any payments until the partial claim for my FHA mortgage modification was approved and I would be advised of when to make payments. XXXX months after what it was approved I was to begin making payments, but instead the mortgage company relayed to me that I needed to make the payments from XXXX months earlier. When I advised them that I was told not to make a payment and had documentation of that, I was told there was some miswording. In addition, I came upon the information that this mortgage company since having bought from my previous mortgage, lender has been holding escrow instead of releasing it to me. When I asked for the funds to be released, they stated it was against company policy to release escrow when there is a default amount due, this default amount is due only because they changed the date of the payment plan and are not honroring their word. They additionally, check out home insurance on my property when I already have home insurance and have been charging me for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
On XX/XX/2024 I had wired {$200000.00} to a newly opened Coinbase account. As soon as the funds were in the account, I placed a limit order for XXXX Bitcoin. 
A few days later the order was filled. As soon as the order was filled I went to transfer the Bitcoin to a cold wallet, for security purposes. It appeared that the transfer was all set but I never saw it in my wallet. After awhile I checked email and saw that Coinbase had stopped the transfer. I made several attempts but kept getting a message that I was restricted from sending Crypto for 90 day. It stated that this was to protect. After several chats and phone calls there were no changes or reasons given. The more I pushed Coinbase to rectify the situation the more restrictions were put on my account. Coinbase has now locked up my remaining cash balance and my XXXX Bitcoin. 
I need to be able to get my funds and assets. Coinbase has essentially stolen my lifes savings and nobody is doing anything. 
I hope that you can assist in this matter. I have filed a complaint with FINRA. They referred me to SEC. SEC sent me to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf.

These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX 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 explanation
Consumer complaint received 2024-04-15 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: MN

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Can you check these documents? I want these late payment remarks deleted and update it to positive.

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 2024-04-15 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: SC

Complaint narrative:
This company is reporting information to credit bureaus without my permission. I never had this company to pull any of my information for credit. They are reporting a bankruptcy and the bankruptcy courts do not report bankruptcy information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: WA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-15 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: WA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-15 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.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I 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 non-monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I filed a unauthorized transaction dispute with Citibank and my disputes were denied. I didn't authorize these disputes and under regulation e I should have been awarded a provisional credit, the bank denied my claims and said that I was responsible for the transactions

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 2024-04-15 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: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-04-15 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I have a personal loan with Comenity Capital Bank through a credit card for XXXX  XXXX through XXXX XXXX XXXX XXXX  that was issued XX/XX/XXXX. 

I have a derogatory mark on my credit reports due to a " late payment '', however, I attempted to make this payment a couple of times and was not notified of the returned payments or that an XXXX is not an account that a payment can be made from. 

The first time was on XX/XX/XXXX for {$470.00} and the payment was confirmed to have been processed on the Bank 's website. However, also on XX/XX/XXXX, it was returned " returned payment '', but I was not made aware of the returned payment when it was returned. Again on XX/XX/XXXX, this occurred again - a payment posted of {$950.00} to their website and then a returned payment also posted, however I was not made aware of the returned payment when it occurred. I called on XX/XX/XXXX and made another attempt of {$950.00}. I was told that it may have been the account number / routing number I attempted to use, so I used a different one after contacting my XXXX  bank. 

I had also called prior and setup the payment with a XXXX XXXX Account ( XXXX )- which is a Banking Account. Their website stated that it needed to be a Bank Account. I confirmed again with the person on the phone that it was an XXXX- so they were aware and did not indicate that an XXXX did not qualify as an account they could pull payments from. In fact, the first time I've been notified of this is in their reply to my credit dispute indicating the below : " After a quick review, I see that your payment was returned due to XXXX Account - that is loan account. Hence your account fell XXXX billing past due on XXXX consideration of your request for a goodwill adjustment, we will review our records to check if we are able to make any adjustments to your payment history as requested. Upon completion of our research, we will notify you of our findings. We appreciate your patience while we are conducting our review. 
If you have any questions, please click the reply button. 
Sent : XXXX, XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX  ) To : You Subject : Re : Credit Bureau XXXX XXXX ID : XXXX '' It is now more than XXXX  days later ( XX/XX/XXXX ), and I have not received further correspondence from them and I still have a late mark on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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