vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-17 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: VA

Complaint narrative:
On XXXX I made a purchase of {$3000.00} from XXXX with their store branded credit card. The purchase was of a sofa, a dresser and smaller decor items. I received the decor items on XXXX which had a combined value of {$62.00} less any taxes due. Being larger items, the sofa and dresser required a bulk shipping agent to deliver. Their total combined value was {$2300.00} less any taxes due. In addition to the {$2300.00} for the furniture, XXXX levied a {$410.00} shipping and handling fee for the use of the bulk shipping agent. In total, {$2700.00} is the pre tax amount charged on my store branded card. For the next 2 months, the bulk shipping agent would open delivery window dates for the furniture to arrive to my door. On 4 separate occasions I would select a date within their window, take a day off from work to prepare only for the shipper to cancel delivery. Over the course of two months I contacted XXXX XXXX separate times to have the issue resolved and each time they were XXXX helpful. Fed up, I contacted XXXX on XXXX and was able to escalate the issue far enough to where a representative, in writing, confirmed the cancellation of the remainder of my order and stated that a refund will be placed on my store branded credit card once the company received their shipment. This led me to file a transaction dispute with Synchrony Bank, XXXX XXXX XXXXXXXX XXXX for their store branded credit card, on XXXX. Since I have never taken ownership or possession of the furniture items, and the fact that XXXX, in writing, had agreed to cancel the shipment and issue a refund, I felt I had no obligation to continue making payments. On XXXX, Synchrony declined my dispute. I had it reopened on XXXX. It was declined a XXXX time on XXXX. I had it reopened on XXXX. It was just declined for a XXXX time on XXXX which has led me to the CFPB. How can I be responsible for paying on an item for which I have NEVER had possession of?

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 2024-07-17 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: NY

Complaint narrative:
Recently i did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.

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 2024-07-17 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: NY

Complaint narrative:
Ive Recently recieved a copy of my credit report and noticed several inaccuracies and unauthorized accounts reporting to my credit report. These remarks have been detrimental to my life and credit health

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 2024-07-17 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: NY

Complaint narrative:
Ive Recently recieved a copy of my credit report and noticed several inaccuracies and unauthorized accounts reporting to my credit report. These remarks have been detrimental to my life and credit health

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 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: NJ

Complaint narrative:
I am filing a complaint to address inaccuracies and outdated personal information reported by XXXX, XXXX, and TransUnion on my credit reports. Despite my efforts to update this information according to XXXX XXXX reporting standards, my credit reports still reflect incorrect details. 

The specific inaccuracies include : 1. **Incorrect Address Information** : Previous addresses are reported as current, contrary to the XXXX XXXX standards that require accurate and up-to-date information. 

2. **Outdated Phone Number** : My credit reports list an outdated phone number. Despite providing my current number in the attached XXXX XXXX reporting standard letter, the changes are not reflected. 

3. **Other Personal Information** : There may be additional discrepancies, such as misspellings or incorrect dates of birth, that need correction for my credit reports to be accurate and complete. 

These errors violate the Fair Credit Reporting Act ( FCRA ), which mandates accurate and complete information. The persistence of these inaccuracies is frustrating and detrimental to my credit profile. 

I request the Consumer Financial Protection Bureau ( CFPB ) to intervene and ensure that the credit bureaus promptly update my personal information as per the attached XXXX XXXX reporting standard letter. Accurate personal information is crucial for maintaining a fair and accurate credit profile. 

Thank you for your assistance.

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 2024-07-17 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: NJ

Complaint narrative:
I am filing a complaint to address inaccuracies and outdated personal information reported by Experian, XXXX, and XXXX on my credit reports. Despite my efforts to update this information according to XXXX XXXX reporting standards, my credit reports still reflect incorrect details. 

The specific inaccuracies include : 1. **Incorrect Address Information** : Previous addresses are reported as current, contrary to the XXXX XXXX standards that require accurate and up-to-date information. 

2. **Outdated Phone Number** : My credit reports list an outdated phone number. Despite providing my current number in the attached XXXX XXXX reporting standard letter, the changes are not reflected. 

3. **Other Personal Information** : There may be additional discrepancies, such as misspellings or incorrect dates of birth, that need correction for my credit reports to be accurate and complete. 

These errors violate the Fair Credit Reporting Act ( FCRA ), which mandates accurate and complete information. The persistence of these inaccuracies is frustrating and detrimental to my credit profile. 

I request the Consumer Financial Protection Bureau ( CFPB ) to intervene and ensure that the credit bureaus promptly update my personal information as per the attached XXXX XXXX reporting standard letter. Accurate personal information is crucial for maintaining a fair and accurate credit profile. 

Thank you for your assistance.

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 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
My account with EQUIFAX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 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: TX

Complaint narrative:
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
I was notified by your company regarding an alleged debt. I have reason to believe I do not owe this debt because I do not recognize this information. 
I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you are licensed to collect debts in the state of Nevada.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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:
I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights

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 2024-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Dear CFPB, I am writing to formally file a complaint against Carrington Mortgage regarding what I believe to be retaliatory actions concerning my mortgage account and previous complaint XXXX Details of the Complaint : Retaliatory Actions : Today XX/XX/2024, Carrington mortgage is returning my mortgage payments for XXXX, XXXX and XXXX in the amount of {$1500.00}. After expressing concerns about my loan terms and seeking clarification on my account, Carrington Mortgage has indicated they wish to increase my payoff amount for XX/XX/2024, which I did not request for MAY since they FAILED on last payoff. This seems to be a direct response to my inquiries and is causing significant distress. Today I received certified letter with a Notice of Intent to Foreclosure if I don't submit a payment of {$1600.00}. Furthermore, they have an unapplied amount {$1500.00} and I informed the supervisor to apply the amount to my loan and she stated NO. 

Lack of Communication : I have attempted to resolve this issue through customer service and supervisors, but my inquiries have gone unanswered or been met with vague responses. This has left me feeling unsupported and confused about my options.

Impact on My Finances : The sudden increase in the payoff amount will severely impact my financial situation, and I believe this action is unjustified especially since they failed and didn't HONOR the last payoff which was returned to me on XX/XX/2024. 

Desired Resolution : I am seeking assistance in resolving this matter. Additionally, I would like assurance that I will not face further retaliatory actions for exercising my rights as a borrower. They failed me back on XX/XX/2024, for my last payoff {$4000.00}, even with phone calls to Carrington Mortgage if my payoff had been received on XX/XX/2024, which they hadn't received, XX/XX/2024, same they will research and finally on XX/XX/204 they said oh funds were returned back to you since there was an adjustment. An adjustment I was NEVER made aware and again they failed to inform me. 
Today I spoke with Carrington Advocacy XXXX XXXX, and she informed me that Carrington did fail on notifying me of adjustment and will ask to apply unapplied funds back but will inform me of any changes and updates.

Thank you for your attention to this matter. I hope to hear back from you soon regarding the steps I can take to resolve this situation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: IL

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, called Capital one to make a monthly payment of XXXX. My balance was XXXX. It isn't a card that I use much, and I only have a credit limit of XXXX. 
They wouldn't let me pay it because there was fraudulent activity on it that I didn't know about. I told the representative that I still needed to make my monthly payment because I didn't want it to be late. He said no, and insisted that I wait until my new card arrived. 
I recieved my new card by mail on XX/XX/XXXX. I activated it and now I have a balance of XXXX and a minimum payment of XXXX. I called them and explained that one of their representatives wouldn't take my payment on the XXXX, and I was instructed to wait until my new card arrived, they pretty much said that it didn't matter, and because the payment was late, not only did my minimum payment go up, but they also doubled the charges that had been charged to the card! What? I have several credit cards, I have never heard of such a thing. And when I spoke to the mgr, he did not want to take any responsibility for their representative dropping the ball and not letting me make my payment on the XXXX. It all sounds very fishy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: Velocity Portfolio Group
State: DE

Complaint narrative:
I checked my credit report and its showing a WRITTE OFF account from XXXX XXXXXXXX XXXX that was opened XXXX, this account not only is reporting as a negative account but it also was sold to a company called Velocity Investments LLC. I never received a 1099C form to ve able to audit them and make sure they are in compliance. Not only are they committing tax fruad they are violating my rights according to FCRA 15 USC 1681 ( eb ) by reporting information that is not 100 percent accurate. I request that this account be removed immediately do to inaccuracies and harm to my consumer 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 explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC.
State: KY

Complaint narrative:
I have been financing an auto loan through exeter finance since XX/XX/XXXX. Today I found out Exeter is charging more than the maxium APR for the state of Kentucky for an Auto Loan. Exeter is unwilling to change payment dates or help me get caught up on my payments. I was laid off from work due to a terminal illness. I have been trying to get caught up with my payments but it's impossible with Exeter Finance. There customer service is horrible and they refuse to help. I am suppose to start my new job on XX/XX/XXXX. I am trying to keep my vehicle from getting repo.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have tried using this at multiple stores, both for the full amount and for less money and either the store would not accept it or the payment was declined. I noticed many people are having the same issue. This card is supposed to be accepted everywhere Amex is but i have yet to be able to use it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-17 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: NY

Complaint narrative:
Ive Recently recieved a copy of my credit report and noticed several inaccuracies and unauthorized accounts reporting to my credit report. These remarks have been detrimental to my life and credit health

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 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Since XXXX, and most recently XX/XX/XXXX I have contacted equifax regarding approx forty inquies on my file. These are both hard inquiries and soft inquiries. I asked for proof and never received. It is the obligation of equifax to provide the requested information which they have refused to. Under the fair credit reporting act, any refusal to supply proof is a violation.

Company response to consumer: Closed with explanation