vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frost-Arnett Company
State: MI

Complaint narrative:
I checked the box that said " Debt was paid ''. I did not see an option for " Debt was already forgiven by Creditor ''. 

The debt was incurred on XX/XX/XXXX for a XXXX  visit. When the statement came dated XX/XX/XXXX, we ( my son, XXXX XXXX and I ) asked for a charity application from XXXX XXXX. They mailed the application. We filled it out and sent it to them on XX/XX/XXXX ( attached ). On XX/XX/XXXX, XXXX mailed a letter saying that the approved discount is 100 % ; the total balance remaining is {$0.00} and that the approval date of the forgiveness is XX/XX/XXXX and the expiration of the approval is XX/XX/XXXX ( forgiveness letter attached ). 

After the above forgiveness letter, on XX/XX/XXXX, XXXX sent a letter saying that they need three most recent paycheck stubs showing total earnings ( before taxes ) and proof of any income received in the household ( retirement, social security, child support, etc. ) and gave us 30 days to respond. Because I was visiting my grandchildren out of state, I did not see that letter. I received another letter from XXXX dated XX/XX/XXXX that " Applicant failed to provide requested documentation '' and denied our request that was already approved by them. I sent a response to them on XX/XX/XXXX showing the last three pension checks that I received from the City of XXXX and letting them know that Social Security income is a direct deposit and that they do not send any " pay stubs ''. I provided them bank statements showing the Social Security direct deposits. They never responded to my letter dated XX/XX/XXXX. 

Instead, I started receiving communications from Frost-Arnett ( a collection agency ) that I owe the debt of {$460.00} ( Collection notices from Frost-Arnett are attached ) XXXX On XX/XX/XXXX and on XX/XX/XXXX, my son and I called the collection agency and provided them the XXXX forgiveness letter that showed that the " Total Remaining Balance '' is XXXX. They said that their interpretation of that letter is that any services provided by XXXX from XX/XX/XXXX to XX/XX/XXXX are forgiven and that the debt incurred in XXXX is not part of that forgiveness. 

The XXXX forgiveness letter dated XX/XX/XXXX, was in response to my financial assistance application and that I am still owed this debt. I disagree. The debt was forgiven by the Creditor and because I was late in responding to their request to send additional documentation after they gave the forgiveness letter, XXXX  is now trying to take back their forgiveness and turned over the debt to a collection agency. 

Please help. I am XXXX XXXX XXXX and my son is better acquainted with this matter and I give you permission to talk to my son, XXXX XXXX ( XXXX ) if you need any further clarification. Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-10-03 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: Incomm Holdings Inc.
State: CA

Complaint narrative:
Received these replacement cards and they're locked, so I still can't use them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: OH

Complaint narrative:
I'VE BEEN A VICTIM OF IDENTITY THEFT. I WAS A VICTIM FROM THE XXXX XXXX BREACH IN 2017, AND BY SOMEONE WHO USED MY INFORMATION TO OPEN FRAUDULENT ACCOUNTS. SHE HAD MY INFORMATION BECAUSE SHE USED TO DO MY CREDIT REPAIR. ALTHOUGH I PREVIOUSLY PAID ON THESE ACCOUNTS TO GET THEM REMOVED, I NEED THEM CLOSED AND REMOVED FROM MY CREDIT REPORTS EXPEDITIOUSLY.

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 2024-10-03 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: TX

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.

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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-10-03 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-10-03 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: SYNCHRONY FINANCIAL
State: WV

Complaint narrative:
Synchrony Bank took over this account from XXXX XXXX XXXX XXXX ( Ally ) and has been mismanaging my account ever since. I have made 100s of phone calls and sent emails to the corporate headquarters. Company claimed they did not receive a payment but in fact did based on evidence from the bank. A second payment ( contract ) was agreed to provided they properly credited a payment to the next month when they finally credited the first payment. A statement for XXXX was also not received. According to USPS informed delivery the bank did not mail the statement as of yet. As of today, this bank has to properly credit two payments and mail me XX/XX/year> statement

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 2024-10-03 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: LA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: LA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-10-03 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: OH

Complaint narrative:
I'VE BEEN A VICTIM OF IDENTITY THEFT. MY INFORMATION WAS LEAKED IN BOTH THE XXXX AND XXXX DATA BREACHES. I ALSO HAVE BEEN A VICTIM OF IDENTITY THEFT THROUGH CREDIT REPAIR DONE BY A PERSON THAT I TRUSTED WITH MY PERSONAL INFORMATION, WHO COULD HAVE OPENED MOST OF THE ACCOUNTS LISTED. I NEED THESE FRAUDULENT ACCOUNTS REMOVED IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
On XX/XX/year> a credit card was attempted without my consent from Sams Club ( SYNCB/SAMS ). I immediately contacted the Sam 's club, 2 days later I finally got a ahold of them but they never responded back. I then left them another message with no response. So I then tried contacting the credit card company itself. They took my info and said they'd be in touch. Nothing for a week. I called back and was told there was no record of me calling. The guy was a little more helpful and started an " investigation ''. I was then told I would receive a letter in the mail in one week. Nothing. I call back a 3rd time, I'm again then told they have no record of me calling! This time the lady takes my info again, gives me the exact same speech and says I'll receive a letter in the mail... now I'm here. I have gotten no word, no letters, nothing in almost a year and I still have the hard inquiry on my report. Synchrony Bank Sams, very unprofessional..

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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I recently reviewed my credit report and found some inconsistencies in the late payment section, which doesnt match my regular payment habits.

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 2024-10-03 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 2024-10-03 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Payment process
Company: AmeriHome Mortgage Company, LLC
State: MS

Complaint narrative:
After fighting with them for over XXXX  months about paperwork and the loan modification, we finally got that situated. I was placed on a trial payment period for XXXX  months and each payment was made on time. After that, I was told that my payments starting XX/XX/year> would be XXXX. I made the payment on XX/XX/XXXX as shown below. It's now XX/XX/XXXX and time for my next payment, well upon doing so I learned that somehow I still owed for the XXXX payment and my bill was now XXXX. When I called to ask about everything, I was told that the payment I made was put in another account and not applied to my actual mortgage payment. Not only did that happen but now all of a sudden my monthly payment is XXXX. During the whole month of XXXX I never once received a phone call email or statement in the mail saying anything about my payment being late. To make it even better, I called in to make the payment and stated that it was the XXXX mortgage payment. When I called them today which is XX/XX/XXXX the first lady claimed the increase came from escrow, but when I spoke with an XXXX she stated they do not modify XXXX  and is not sure where the money went or why my payment was increased. After a little research on the matter, I feel this company needs to be investigated because way too many complaints along the same lines were made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-03 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: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-03 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AXOS FINANCIAL, INC.
State: CO

Complaint narrative:
Opened an axos checking bank account on XX/XX/XXXX. They were offering a checking bonus through XX/XX/XXXX with promo code XXXX. My application was approved on XX/XX/XXXX with the promo code in it. You can see it with screenshots under my profile. Checking bonus terms were direct deposits of XXXX per month and maintain a balance of XXXX. {$100.00} would be deposited each month if these criteria were met. I reached out to customer service on XX/XX/XXXX asking why no bonuss posted, and they told me it wasnt showing on my account, when it shows on my approved application

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: MD

Complaint narrative:
I urgently request the prompt removal of these unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize them. Please rectify this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: GA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX XXXX Account Number : XXXX Account Name U S DEPT OF EDXXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: OH

Complaint narrative:
I'VE BEEN A VICTIM OF IDENTITY THEFT BY WAY OF THE XXXX XXXX DATA BREACH AND THE XXXX DATA BREACH. I HAVE NOTICED SOME UNAUTHORIZED ACCOUNTS ON EACH OF MY CREDIT REPORTS THAT I DID NOT BENEFIT FROM. I WOULD LIKE TO HAVE THESE FRAUDULENT ACCOUNTS THAT HAVE BEEN DISPUTED, TO BE REMOVED FROM MY REPORTS EXPEDITIOUSLY. THESE ACCOUNTS ARE HARMING MY CHANCES AT OBTAINING A CREDIT CARD OR A CAR LOAN.

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 2024-10-03 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 have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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