vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-14 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: GA

Complaint narrative:
Subject : Request for Comprehensive Resolution : Adjustment of Late Payment Entry Status Dear [ Credit Reporting Agencies ], I am writing to address the ongoing dispute regarding a late payment entry on my credit report and to request a comprehensive resolution. Specifically, I urge the revision of the late payment entry to accurately reflect a current status. 

Under the legal doctrine of estoppel by silence, as illustrated in the case of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I have not been provided with evidence substantiating the alleged debt. Consequently, I am compelled to presume the absence of such proof, thereby invalidating the existence of the debt in question. 

Adherence to the Fair Credit Reporting Act ( FCRA ) mandates the utmost accuracy and integrity in consumer reports. Therefore, it is imperative that my credit report faithfully mirrors my financial standing, devoid of any inaccuracies or unsubstantiated claims. 

I maintain with unwavering conviction that the current status attributed to the late payment entry is unjustified and incongruent with factual evidence. Consequently, amending the status to accurately portray a current, up-to-date depiction is not only equitable but essential to uphold the principles of fairness and transparency in credit reporting. 

Should obstacles arise in achieving this resolution, I reserve the right to explore alternative avenues to rectify this discrepancy. It is paramount that my credit report accurately represents my financial status, devoid of any unjustified or unverified entries. 

I implore your esteemed agencies to conduct a thorough review of this matter and to take prompt action to effect the necessary revisions. Your cooperation in resolving this issue expeditiously is greatly appreciated.

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 2024-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
I applied to the " XXXX XXXX '' credit card, being enticed with their {$200.00} bonus in XXXX of this year. I was approved & the card was mailed out to me. Today, XX/XX/XXXX, I called to verify how much had to be spent to receive the {$200.00} bonus. 

I was put on hold and transferred to an agent who stated my credit card didn't come with a {$200.00} bonus offer, and that my application was switched mid-application to one without a bonus offer. I was NEVER given the option to opt-out or decline when I was filling out their application, nor was I told during the application process that they weren't approving me for the card that I had wanted. This is an unethical, illegal bait & switch. I have excellent credit and pay all of my bills on time. I have never experiencing anything like this in all my years of utilizing credit cards! 

I asked them to resolve this somehow or switch me to the proper product, which is the ONE I APPLIED FOR and although I was supposedly speaking to " a manager '', they said there was no resolution at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I am writing this letter in order to request your help and understanding. Back in XXXX, XXXX [ when the negative items was listed ], I lost my job and made a couple of late payments, even though I hated paying late. I do feel bad about it even now. However, I did get current on the account ( listed above ) as soon as my financial standing improved. I have in fact made timely payments since then. I've been working hard to make financially responsible decisions and get better control of my money. 

I am now buying a home but having difficulty in receiving an affordable mortgage rate due to the negative listing on my credit report. Thereby, I would request you to kindly remove this negative item as a gesture of goodwill. Your kind gesture would be sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Indie Technology DBA Found
State: OR

Complaint narrative:
XX/XX/XXXX {$65.00} XX/XX/XXXX {$45.00} XX/XX/XXXX XXXX XXXX  {$300.00} XX/XX/XXXX {$150.00} I disputed XX/XX/XXXX I cant get anyone to update regarding my claim This all started after I downloaded XXXX and did some shopping on their website. I have 2 other affected accounts that happened same time and those claims were disputed same date as found and the claims have been investigated and reimbursed back to me. Found hasnt started investigating

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I feel frustrated, unhappy, and troubled by the situation regarding my credit report. There are late payment remarks on some of my accounts, even though I have consistently made on-time payments. I did not incur any late fees, and I urgently require your assistance to address this issue.

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 2024-05-14 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: TX

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 2024-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: HI

Complaint narrative:
On XX/XX/year>, while serving on XXXX XXXX in the XXXX XXXX, I was taken to a local hospital due to an XXXX  ( XXXX  ) I contracted while in XXXX. I was taken to local hospital, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, because there were no military medical facilities located on the XXXX XXXX XXXX ( " XXXX XXXX '' ). While at the hospital I clearly identified my self as a XXXX  member on XXXX XXXX. 

After receiving treatment, I later received bills directly from the hospital. As required by the XXXX, I notified XXXX XXXX XXXX  XXXX XXXX in writing that they should bill XXXX. I continued to receive bills from XXXX XXXX XXXX  XXXX XXXX and then I later received letters from the collection agency XXXX XXXX XXXX  XXXX XXXX transferred the account to. Now I have received a negative item on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: EQUIFAX, INC.
State: PR

Complaint narrative:
I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship. 

I am 100 % willing to work with the credit bureaus and authorities to resolve this matter as soon as possible. I will be following up with your agency to assure everything is being done to remove these fraudulent accounts from my report. Please be aware all required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. 

In addition, I demand the following fraudulent Inquiries be deleted from my credit report immediately. 
Please remove it from my credit report or Im seeking litigation please delete. 
1. I demand the following fraudulent Inquiries deleted from my credit report immediately. 
Bank Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year>, he opened an account at Citibank XXXX XXXX in order to receive compensation payment from a legal claim. On XX/XX/year>, I went to the ATM and deposited 2 checks in the amount of {$7400.00} each, from XXXX XXXX XXXX XXXX XXXX. I received correspondence from Citibank confirming the deposits and stating that my money would be available starting XX/XX/year>. On XX/XX/year>, I received correspondence where the bank indicated that my account would be automatically closed in the next 60 days, because I had violated the terms of my account and if I needed the funds to be sent before 60 days, I would be contacted. I called and they told me that in 30 days I would receive a check at my home with the funds returned. Now I can not contact the bank by phone because I am not a customer. On XX/XX/year>, I sent an email to my Personal Banker ( XXXX ) to get news about it and he did not respond. It's been 78 days and I haven't received any notification about it, I don't know where my money is, I don't know what's happening.

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 2024-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX Washington XXXX DC XXXX XX/XX/2024 Dear XXXX, I am writing to file a formal complaint against CAINE WEINER for violations of the consumer financial protection laws as outlined under 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), 15 USC 1681s-2 ( 7 ) ( a ) and 15 USC 1681 ( e ) b. 

I do not owe this debt ( account # XXXX ) and I ask for debt validation, the purchase agreement between them and the original creditor. I have included the attachment with multiple inaccuracies across all three major credit bureaus regarding this collection. 

CAINE WEINER has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet placed a collection on my consumer report. 

CAINE WEINER is violating my consumer rights by using false and misleading, misrepresentation and deceptive means. 

CAINE WEINER has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15USC 1681s-2 ( 7 ) ( a ). 

CAINE WEINER did not follow reasonable procedures to assure maximum possible accuracy of the information concerning my account and yet shared these inaccuracies on consumer report, this is a clear violation of 15 USC 1681 ( e ) b.

Based on my experience and the evidence provided, I believe that CAINE WEINER has violated the following laws. 

12 CFR 1006.34 ( b ) ( 5 ) : Failure to accurately validate information to consumers concerning their accounts.

2 ) 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : Failure to conduct proper investigation of disputed debts and provide consumers with adequate responses. 

XXXX ) 12 CFR 1006.34 ( d ) Failure to maintain and implement reasonable policies and procedures to ensure compliance with the Fair Debt Collection Practices Act ( FDCPA ). 

XXXX ) 15 USC 1681s-2 ( 7 ) ( a ) Failure to accurately report information to consumer reporting agencies. 

XXXX ) 15 USC 1681 ( e ) b Did not follow reasonable procedures to assure maximum possible accuracy of the information concerning my account. 



I request that the Consumer Financial Protection Bureau investigate these alleged violations and take appropriate actions to ensure compliance with consumer financial protection laws. Im revoking all rights of CAINE WEINER to contact me via emails/text/calls. 




Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 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: OH

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2024-05-14 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: PA

Complaint narrative:
My name is XXXX XXXX and this is not a third party filing this. The following credit reporting agencies are reporting several inaccurate late payments on my credit report. And several inquiries that I havent approved of. XXXX, EQUIFAX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 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: PA

Complaint narrative:
My name is XXXX XXXX and this is not a third party filing this. The following credit reporting agencies are reporting several inaccurate late payments on my credit report. And several inquiries that I havent approved of. Experian, XXXX 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 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report online and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 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: TX

Complaint narrative:
I BECAME A VICTIM OF IDENTITY THEFT AND I WENT THRU THE PROPER CHANNELS AND GAVE THE PROPER DOCUMENTS TO PROVE THAT I AM A VICTIM OF FRAUD AND I REQUESTED THEM TO BLOCK THE ACCOUNTS. THEY REFUSE TO BLOCK THE FRAUD ACCOUNTS, AS IF SOMEONE WONT STILL YOUR IDENTITY AND TREAT IT AS IF ITS THERES AND PAY THE BILLS TO GET MORE CREDIT. IDENTITY THEFT IS ALMOST THE HIGHEST CRIME IN AMERICA BUT THESE CREDIT BUREAUS DONT TREAT EVERYBODY THE SAME, ESPICIALLY IF I QUALIFY THRU THE LAW, THEY ARE VIOLATING THE LAW. SO THEY TOLD ME THEY WASNT BLOCKING, I REQUESTED METHOD OF VERIFICATION TWICE. AND THEY HAD DID A REINVESTIGATION WHICH THE CREDITORS ALWAYS SAY ITS YOU, SO THEY CAME BACK AS ITS ME AND ITS 100 % ACCURATE, I ASK FOR METHOD OF VERIFCIATION AND THEN I ALSO LOOK AT THE ACCOUNTS I DISPUTED AND CLAIM AS FRAUD. I ALSO ASK HOW DID THEY VERIFIED AND THEY REFUSED TO TELL ME AND THEY Say that the laws in the fair credit reporting act laws forces them not to tell me. which is not true.

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 2024-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have three hard inquiries on my credit report. Two from capital one on dates XX/XX/XXXX and XXXX XXXX, XXXX which I never applied for these credit cards. I tried to talk to XXXX and they wont take it off. I spoke with capital one and they reported it as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: Conn's, Inc.
State: FL

Complaint narrative:
I checked my credit report and i never authorized Cons or any other company to view my credit report please remove these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: FIRST PORTFOLIO SERVICING INC
State: FL

Complaint narrative:
I never applied for this credit card. I tried to tell the company and they reported it as fraud but it was never taken off my credit report. The company name is XXXX XXXX XXXX on XX/XX/2023 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
CareCredit Rewards, offered by Sychrony Bank offers Promotional and Non-Promotional ( or purchases ) balances. There is no listing for a balance on Non-Promotional balances. For Promotional balances you must go to their website to get the information. Each month we pay more that the monthly amount to pay the Non-Promotional. They informed me today ( XX/XX/year> ) that " the system '' puts all amounts toward promotional amounts. The consumer must call each month after each payment and advise they would like money paid towards their purchases, trusting that this will be done by the customer service agent. 

This incurs a balance on purchases that does not show on the monthly statement and the consumer ( me/us ) are not aware of. So, each month we incur $ XXXX for interest. 

This practice is not in any paperwork. I confirmed this with their customer service today.

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