vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
Complaint Letter to CFPB To Whom It May Concern, I am writing to formally express my dissatisfaction with the service I have received regarding my BrightWay Card account with OneMain Financial. Despite multiple attempts to resolve these issues, I have experienced inadequate responses and unmet promises that have led to further complications. 

Complaint Details : Failure to Honor Payment Arrangements : Following the nationally declared disaster in XX/XX/year>, a special payment arrangement was promised by your team, indicating that I would not have to worry about the monthly minimum payments while recovering. However, my account was marked as past due, and the {$25.00} minimum payment I attempted to make on XX/XX/year> was not acknowledged. 
Impact on Credit Report and XXXX XXXX : Due to the mismanagement of my account, my credit report has been negatively affected, and I have been disqualified from the XXXX XXXX XXXX that I was eligible for in XX/XX/year>. My XXXX status is now completely erased, disregarding the responsible efforts I have made. 
Unreturned Calls and Emails : On XX/XX/year>, I returned a call from XXXX within seconds, only to be redirected to voicemail. Despite numerous attempts and marked urgent voicemails, there have been no follow-ups or responses to my emails, indicating neglect of customer communication. 
Additional Disasters : Since the previous complaint, I have been affected by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This ongoing situation has exacerbated my challenges, and the lack of support from OneMain Financial is disheartening. 
Legal Infractions : Multiple infractions against the CFPB and Consumer Protection laws have been identified in my case alone. It is crucial for your organization to address these unethical actions promptly. 
Conclusion : As a loyal customer, I am disheartened by the lack of support and professionalism shown during these trying times. I demand immediate rectification of these issues, including the adjustment of my credit report, reinstatement of my XXXX XXXX, and an official apology for the inconvenience caused. 

Failure to address these concerns will leave me with no choice but to escalate this matter further through the appropriate legal channels and consumer protection agencies. 

I look forward to your prompt response and a resolution to these issues. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
XX/XX/year> Fraudulent charge {$10.00} XX/XX/year> Fraudulent charge {$10.00} XX/XX/year> Fraudulent charge {$1.00} HSBC Bank sent me a letter dated XX/XX/XXXX ( see attachment ) that the investigation was complete, and that all the charges from the same company were unauthorized. Yet they would only refund the charges made in XXXX and XXXX, but not the charge made in XXXX. So I mentioned that I want to file another fraudulent report now for the XXXX charge but they said I could not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-26 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am disputing several hard inquiries listed on my credit report that are inaccurate and unauthorized. These inquiries, which are the result of identity theft, have been incorrectly recorded on my credit report. Despite my efforts to resolve this matter through the official website, the inquiries have not been removed. 

Details of the Inquiries : XX/XX/XXXX - Wells XXXX XX/XX/XXXX - Wells Fargo Card Serv XX/XX/XXXX - Wells Fargo Card Serv XX/XX/XXXX - Wells Fargo Card Serv Actions XXXX : Initial Dispute : I submitted disputes regarding these inquiries through the online dispute resolution system on the credit reporting agency 's official website ( XXXX ) XXXX Despite this action, the inquiries remain on my credit report, and no resolution has been provided. 

Request for Resolution : I am requesting the immediate removal of these unauthorized inquiries from my credit report. I believe that resolving this matter promptly will align with the principles of accuracy and fairness as stipulated by consumer protection laws. 

Thank you for your attention to this matter. I look forward to a swift resolution.

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 2024-07-26 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: IL

Complaint narrative:
I sent a letter regarding an inaccurate and unknown things on my credit report, Items under my name that is a result of Identity Theft and I have already files the proper documentation for these and.to this day over 45 days later the bureaus but they did not remove them. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly.

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 2024-07-26 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: IL

Complaint narrative:
I sent a letter regarding an inaccurate and unknown things on my credit report, Items under my name that is a result of Identity Theft and I have already files the proper documentation for these and.to this day over 45 days later the bureaus but they did not remove them. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly.

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 2024-07-26 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: TN

Complaint narrative:
My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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 those account 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. 


XXXX XXXX XXXX XXXX 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 1002 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 2024-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I previously notified you on XX/XX/year> and XX/XX/year>, that there was information on my consumer report as the result of identity theft. Also that I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. In accordance with the law, the requirement threshold is simply : Proof of identity - a copy of my State ID was provided A copy of an identity theft report - furnished from identitytheft.gov, a government agency The identification of said information by the consumer - listed in my last letter but I digress is as listed : As the consumer reporting agency, a block of the information that resulted from an alleged identity theft should have been no later than XX/XX/year>. My request to block was and is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 

XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 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: NJ

Complaint narrative:
I previously notified you on XX/XX/year> and XX/XX/year>, that there was information on my consumer report as the result of identity theft. Also that I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. In accordance with the law, the requirement threshold is simply : Proof of identity - a copy of my State ID was provided A copy of an identity theft report - furnished from identitytheft.gov, a government agency The identification of said information by the consumer - listed in my last letter but I digress is as listed : As the consumer reporting agency, a block of the information that resulted from an alleged identity theft should have been no later than XX/XX/year>. My request to block was and is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 

XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 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: KS

Complaint narrative:
I was scammed in XXXX I informed paypal credit of the problem and filed a dispute. Paypal found in my favor and within 3 weeks posted new debits back to my card for same amount. I asked why they said they don't know, all the information I provided to them they said they don't have and After numerous requests have sent me nothing showing their investigation. I have sent copies certified mail so they can't say they don't have my information. They are a pain XXXX XXXX XXXX and stonewalling me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-26 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: NY

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 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: IL

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX IS ATTEMPTING TO COLLECT A DEBT THAT'S NOT OWED WHICH IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT ( FCRA ), 15 U.S.C. 1681 et seq ). 

This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 

I AM A VICTIME OF IDENTITY THEFT AND THE DOCUMENTS THEY PROVIDED ARE NOT ACCURATE. THE SPELLING OF MY NAME IS WRONG ALONG WITH THE LEASE APPLICATION THAT DISPLAYS INCORRECT INFORMATION. PER FCRA 605B ( 15 U.S.C. 1681c-2 ) please delete and block this account from all three credit reporting agencies. This is a third party company which i owe no debt.

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 2024-07-26 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: CA

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 2024-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I've noticed an eviction is reporting on my rental history report I would like to obtain a copy of my report to see if a fair and accurate credit reporting.

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 2024-07-26 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: FIRST ADVANTAGE CORPORATION
State: PA

Complaint narrative:
I've noticed an eviction is reporting on my rental history report I would like to obtain a copy of my report to see if a fair and accurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: FL

Complaint narrative:
I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 


I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is complaint is serious and is not sent in error. The inaccurate nformation in my credit report has caused me frustration and incovenience as it has impacted my ability to secure credit approvals.

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 2024-07-26 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: TN

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the presence of fraudulent accounts currently reported on my TransUnion credit report. These accounts were not opened by me, and I believe they are the result of identity theft. I am requesting that you delete these accounts from my credit report as required by Section 605C of the Fair Credit Reporting Act ( FCRA ). 

The details of the fraudulent accounts are as follows : Creditor Name : XXXX XXXX XXXX XXXX Creditor Name : XXXX XXXXXXXX XXXX XXXX  Creditor Name : XXXX XXXX XXXX XXXX  Date : XXXX XXXX, XXXX  ( XXXX yrs, XXXX mos ) Creditor Name : XXXX XXXX Under Section 605C of the FCRA, consumer reporting agencies are required to block the reporting of information that the consumer identifies as resulting from identity theft, provided that the consumer submits a valid identity theft report. Given that these accounts were fraudulently opened without my knowledge or consent, I am invoking my rights under this section to request the deletion of these accounts. 



Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
What happened? 

I discovered an unauthorized hard inquiry on my credit report that is the result of identity theft. The specific hard inquiry in question is : Date : XX/XX/year> - Company : Comenity  Capital/XXXX  I did not authorize this inquiry, nor have I had any legitimate transactions or interactions with Comenity Capital/XXXX  . The inquiry was identified as part of an investigation into identity theft that I am currently handling. I have not received any communication from Comenity CapitalXXXX regarding this inquiry, and I am concerned that this unauthorized action is affecting my credit report. 

I have taken the following actions to address this issue : I have filed a police report and an FTC Identity Theft Report to document the identity theft. 
I have contacted the credit bureaus to dispute the unauthorized inquiry and request its removal. 
Despite these actions, the inquiry remains on my credit report, impacting my credit score. Therefore, I am requesting Comenity Capital/XXXX to investigate and remove this unauthorized hard inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 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: IL

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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