vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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 non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
A few years ago, my car was robbed ( XXXX XXXX between XXXX and XXXX XXXX, XXXX ). I reported it to the XXXX XXXX XXXX XXXX. My XXXX and XXXX were both stolen, along with an unused XXXX XXXX XXXX  XXXX Milestone Master card. XXXX XXXX XXXX has called repeatedly. I have shared this information each time and they say they will investigate. They continue to call incessantly. Yesterday ( XX/XX/24 ), they implied that a lawsuit was in process. After pushing the issue, they admitted no legal action has been taken. It was simply a tactic to intimidate. They are claiming a debt of {$770.00} ns continue to report to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: OH

Complaint narrative:
For a few months I have tried to communicate with this company but I can not get through to them through email or even through phone. I never signed a contract with this company and they fail to provide proof of a signed contract. This is in violation of my rights. I have reported this many times and nobody seems to do anything about this even if it is illegal.

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 2024-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-03-05 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: LA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX XXXX : XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX XXXX : XXXX XXXX XXXX XXXX, LA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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: GA

Complaint narrative:
On XX/XX/2024, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

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 2024-03-05 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: GA

Complaint narrative:
On XX/XX/2024, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

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 2024-03-05 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: TX

Complaint narrative:
Reached out about a XXXX XXXX XXXX collections account fraudulently listed on report that caused a denial of a {$89000.00} dollar loan to process. XXXX, Transunion and XXXX claimed to have used information services to properly examine the validity of the account. The creditor and the collections agency reached out XXXX  that they believed the account was fraudulently listed on my records- which contradicts what all three credit reporting agencies said. As a result formal civil charges for the demand of {$89000.00} from each credit reporting agency will be placed into civil suites due to violations and misrepresentations of the FCRA. For essentially wrecking my credit after those companies fell victim to data breaches themselves.

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 2024-03-05 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: TX

Complaint narrative:
Reached out about a XXXX XXXX XXXX collections account fraudulently listed on report that caused a denial of a {$89000.00} dollar loan to process. XXXX, XXXX and Equifax claimed to have used information services to properly examine the validity of the account. The creditor and the collections agency reached out citing that they believed the account was fraudulently listed on my records- which contradicts what all three credit reporting agencies said. As a result formal civil charges for the demand of {$89000.00} from each credit reporting agency will be placed into civil suites due to violations and misrepresentations of the FCRA. For essentially wrecking my credit after those companies fell victim to data breaches themselves.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
I was contacted by a man named XXXX XXXX he informed me of a debt with a credit card he gave me the first XXXX numbers of my social security number he proceeded to tell me that tomorrow XX/XX/2024 between XXXX XXXX I would be served and needed to provide the server with my id and I would need to appear in court, I am XXXX XXXX XXXX, I live off my XXXX XXXX XXXX  my income is limited he informed me that he needed me to pay {$300.00} this XXXX  and XXXX every XXXX  to XXXXXXXX XXXX XXXX I was given no time to submit or inform him that I only receive XXXX XXXX im not XXXX, I informed him that I had XXXX in XXXX XXXX XXXXXXXX to remove XXXX and I had no extra funds after my mortgage, he told me that I only had XXXX options and if I didnt set a payment arrangement or whole amount I would be forced to come to court. I was scared as Ive never had this happen and agreed immediately after I called my daughter in law and I was on XXXX way so we could make sure this wasnt a scam. I am unable to pay XXXX dollar a month with my social security which pays for my mortgage, my lights and my water, my food, and my living expenses. I felt intimidated by XXXX XXXX was shook my his demeanor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and notice I have fraudulent accounts of my report. Please remove these accounts off my report. They are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have called the attorneys office that they provided and I havent gotten any response back and its been days. I really need this to be resolved.

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 2024-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
DO NOT USE CARE CREDIT XX/XX/2024 at XXXX I called to figure out why my husband and could never seem to pay down this Care credit card. We discovered outrageous interest charges that we had been continuously been hit with that were completely unexpected. 

It was explained that a 0 % interest promotion ended 2 years ago and because we had not paid the balance off that we were seeing all the accumulated interest from each promotional period. This was in the fine print of the contract I was completely shocked and shaking. They advertise in Dr. Offices, pet offices, dental offices and are advertised to help you afford these services using the credit card at a 0 % interest. I feel that this is extremely predatory. 

Our current balance is {$5900.00}. it's my understanding the interest rate went up to 29 % apr. Last month our interest charge was {$270.00}, previous month {$630.00}!!!! WHAT!? This goes back further with interest charges far exceeding the min payment! Keep in mind we always pay at least the minimum each and every month but we were Drowning in the exorbitant INTEREST FEES! 

I explained that we have had major financial hardship since the pandemic and we have been doing our very best to keep up and pay off our debts but these fees made it absolutely Impossible. They would not remove a SINGLE fee. Instead, they closed my account, lowered my min payment, but we are still obligated to pay the entire balance. 

I think it's so incredibly wrong to advertise in Dr. Offices, dentist, and pet offices where generally you are likely to have a VERY large bill to pay and will be even more likely to be surprised by the accumulations of unexpected interest charges all at once leaving you in a similar situation as we are right now. DO NOT fall for Care Credit or it's predatory contract or advertising. These office assistants/receptionists offer this application all the time as a means to pay for your services almost out of sympathy or empathy. Morally and ethically wrong.

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 2024-03-05 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: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX  / XXXX  || Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Credit Fresh Holdings Inc
State: FL

Complaint narrative:
Due to hardship and struggling to mange to meet my financial obligations, I rang CreditFresh to ask what options I have to reduce the monthly payments amounts towards the loan so I can meet my priority payments such as rent, utilities, groceries etc.

- I said that I do not want to default, perhaps they could reduce the fees or take 1 payment per month instead of 2 or offer an arrangement as such to reduce the monthly amount payable ( currently 2 payments due at {$330.00} each per month, total {$660.00} ). I can not afford this due to hardship and higher expenses.

Speaking with both an agent as well as their manager, they told me this was not possible and only gave me 2 options : 1 ) Pay the same amount for a few more months which will reduce the amount owed 2 ) Default on the loan which will go into collections and affect my credit report and ultimately recovery - I repeated that I can not afford this and am not looking to not pay, Im just looking at affordable options as currently I can not even get from Paycheck to paycheck.

Again, the same 2 options were presented and they refused to assist or offer a lower monthly payment amount.

Furthermore, after complaining to CFPB, CreditFresh replied offering no solution at all. Hence raising this complaint again.

Surely there has to be consumer protection for people going through hardship and asking for a loan company to enter into a payment arrangement? How can this be refused?

The loan was provided through CreditFresh website which is funded by XXXX bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
CAPITAL ONE IS ILLEGALLY REPORTING DEBT WITH NO PROOF OF DEBT OR DEBT VALIDATION WITH ORIGINAL CONTRACT WITH WET INK SIGNATURE. 

THE XXXX XXXX IS ILLEGALLY ATTEMPTING TO COLLECT DEBT BY GARNISHMENT ON BEHALF OF CAPITAL ONE BY PLACING A JUDGEMENT AGAINST ME IN THE XXXX XXXX OF XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
All XXXX credit bureaus are reporting a bankruptcy after I have submitted a letter from the bankruptcy court stating that they do not report to the credit bureaus! I did not give the credit bureaus permission to put such thing on my reports.

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 2024-03-05 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: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
At the end of XX/XX/2023 there were a series of fraudulent transactions made using my debit card information, I had possession of the physical card. I was alerted via email and text by Chase that some transactions were flagged as fraud and after I checked my account I confirmed with Chase that the transactions charged to XXXX were in fact fraud and I did not make them. Chase issued me credits and opened a claim for me, # XXXX. After their investigation they reversed the credits for two of the transactions. I called Chase 's claims department and was told the merchant provided " compelling evidence '' that I made the purchases. I did not, I've never even heard of this company. When I tried that to tell the Chase employee I was speaking with I was effectively just told " too bad, talk to the merchant ''. I got upset with him and he offered to let me speak with his superior. I asked if that would make a difference, he said no. I assume this conversation was recorded.

I don't know how they were convinced I made two of these transactions that happened at the same time- see attached transaction records from my account for that day. I actually don't think they are convinced I made the transactions, I think they're just charging me because they want else someone to pay, which is XXXX. I think they thought the amount is so low that I would just shrug it off and they get their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX  reporting of XXXX  days late payment is still not correct per previously reported on CFPB report # XXXX. XXXX  claim that they researched and updated my account is incorrect ; My credit report still shows XXXX days late for the XXXX XXXX mortgage account.

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 2024-03-05 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: OH

Complaint narrative:
XXXX reporting of XXXX  days late payment is still not correct per previously reported on CFPB report # XXXX. XXXX claim that they researched and updated my account is incorrect ; My credit report still shows XXXX  days late for the XXXX XXXX mortgage account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: HI

Complaint narrative:
On XX/XX/XXXX Resurgent Capital Services sent me a letter stating that I owed them XXXX. I sent them a response letter stating that I am giving them formal notice that I am disputing the fact that I am obligated to pay them and I wanted to know how they verified the debt. 
On XX/XX/XXXX they sent me a follow up letter stating that I still owed them XXXX and the debt was verified by a printout. I again sent them a formal notice stating that I want to know how you verified the debt, who are the names of the people who verified the debt, their direct contact information on their Fair Debt validation policy. As of today they have failed to do so and I've been in court on three separate occasions including today for this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, XXXX and Equifax a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I sent an opt out notice to XXXX XXXX And I got no response Ive attached my opt out notice below.

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