vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-28 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these lists of inquiries removed from my credit report. 

Here are the inquiries listed below. 

Account Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Lowes card by Synchrony Bank. Overall this bank is deceitful. They pressure you into applying for store cards, multiple store cards, Like TJX rewards and JCP store. Once you apply under the guise of " saving money, '' they give you a high limit. as a customer you then use the card for its intended purpose, and once you use it no matter what the balance is, they immediately lower your limit to within {$20.00} of the available balance. Then they lower the limits on ALL your cards you have with them, despite never missing a payment and not going over your limit. YOU just came close to limit. I complained about this thing to Synchrony and in retaliation they closed one of my accounts that I had with Lowes for years because I used it. Mind you the limit is only {$100.00} and I pay it off everytime. After they do this to you it negatively impacts my credit score. And they retaliate by ruining it more! They must be stopped. This isn't fair. It is bait and switch. They punish you for using the card they give you and claim its due to the credit report in which they impacted!

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 2024-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I would like to make a complaint against Wellsfargo Home Mortgage on loan we received in XXXX. The loan we were offered was a actually 2 conventional loans and we wondering why we were not offered any assistance for down payment as a first time home owner at that time to help with a down payment. No one told us about the incentives that the bank offered to XXXX time home owners. We asked the lender if they could help with our down payment, but they said no money was available for this and instead they just put that we had {$0.00} down payment. The loan was originally. The house we were purchasing was originally sold to house by the seller for XXXX but Wellsfargo lenders and underwriters charged us XXXX for the loan. Our loan was split to two mortgages they 1.was XXXX and then they added a2nd mortgage with another lender for almost XXXX with a fixed interest of XXXX percent. We were 1st time home owner and at that time our friend who were not XXXX were getting money to help them with a down payment for their home loans and we are wondering when we asked for help why did they not offer us assistant for a down payment instead of pushing us into a XXXX loan which was were originally purchased the home from the seller for just XXXX. This is unacceptable and not justified. We were manipulated and robbed and forced into a XXXX loan for a XXXX home as that was what the seller originally sold the house for. We were stuck in 2 mortgages and forced to pay back an extra XXXX loan conventional loan with XXXX rate. We want people to be aware and we want wellsfargo to tell us why we were not offered money to help with down payment in XXXX  like others were offered

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 2024-02-28 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 recently reviewed my credit report and noticed fraudulent accounts

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 2024-02-28 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: CA

Complaint narrative:
As of today, XX/XX/year>, I received notification from Experian that the information contained in my credit report regarding XXXX XXXX is accurate following a credit reporting dispute. However, I have communication from XXXX to the contrary. No foreclosure action has been initiated on my account. Furthermore, my account was current up to XX/XX/year> per communication from XXXX in XX/XX/year>. I do not believe that Experian investigated my dispute. Experian continues to obstruct my right to dispute the information contained in my credit report. This is not the first occurrence. I have not received any evidence of a valid investigation. Furthermore, I no longer feel comfortable providing additional information to Experian for a reinvestigation in light of how my previous disputes have been handled with XXXX and other creditors listed in my credit file. This continued practice is in violation of the FCRA and does not promote accuracy, fairness, nor protect the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). Your assistance, implementing proper enforcement and achieving a fair resolution are 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 2024-02-28 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: AZ

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate reporting by XXXX Credit Card, which has persisted despite my repeated attempts to resolve it directly with the company. 

In XXXX and XXXX of XXXX, I noticed two late payments erroneously appearing on my XXXX Credit Card account. This discovery was particularly perplexing as there was no outstanding balance on the card during that period. 

Since noticing these inaccuracies in XXXX of XXXX, I have diligently contacted XXXX Credit Card 's customer service every other week to address the issue. Despite my consistent efforts and assurances from over 20 representatives that the late payment remarks would be removed, the problem persists. 

Additionally, I attempted multiple times to use XXXX Credit Card 's online system to set up recurring payments. Each time, the system indicated that the setup was saved, but the payments were never auto-processed. As a result, I had to manually log in to make payments, and there was never any balance owed. 

Despite providing updated information, including my correct email address and mailing address, the company continues to reference an old email address that I no longer have access to. Despite promises of resolution during phone calls and messages through secure channels, the late payment remarks have not been removed. 

This inaccurate reporting not only affects my credit history but also undermines my financial credibility, despite my flawless payment record across all other accounts. The inability of XXXX Credit Card to rectify this issue is deeply concerning, and I believe it constitutes a violation of consumer rights and fair credit reporting practices. 

I kindly request the intervention of the Consumer Financial Protection Bureau to investigate this matter and ensure that XXXX Credit Card rectifies the inaccurate reporting promptly. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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: AZ

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate reporting by XXXX Credit Card, which has persisted despite my repeated attempts to resolve it directly with the company. 

In XXXX and XXXX of XXXX, I noticed two late payments erroneously appearing on my XXXX Credit Card account. This discovery was particularly perplexing as there was no outstanding balance on the card during that period. 

Since noticing these inaccuracies in XXXX of XXXX, I have diligently contacted XXXX Credit Card 's customer service every other week to address the issue. Despite my consistent efforts and assurances from over 20 representatives that the late payment remarks would be removed, the problem persists. 

Additionally, I attempted multiple times to use XXXX Credit Card 's online system to set up recurring payments. Each time, the system indicated that the setup was saved, but the payments were never auto-processed. As a result, I had to manually log in to make payments, and there was never any balance owed. 

Despite providing updated information, including my correct email address and mailing address, the company continues to reference an old email address that I no longer have access to. Despite promises of resolution during phone calls and messages through secure channels, the late payment remarks have not been removed. 

This inaccurate reporting not only affects my credit history but also undermines my financial credibility, despite my flawless payment record across all other accounts. The inability of XXXX Credit Card to rectify this issue is deeply concerning, and I believe it constitutes a violation of consumer rights and fair credit reporting practices. 

I kindly request the intervention of the Consumer Financial Protection Bureau to investigate this matter and ensure that XXXX Credit Card rectifies the inaccurate reporting promptly. 

Thank you for your attention to this matter.

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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Thaxton Investment Corporation
State: SC

Complaint narrative:
Account status on this account showing open on XXXX but the account been paid and closed. Still showing open on my credit report and late payments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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: FL

Complaint narrative:
When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-02-28 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: AZ

Complaint narrative:
In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX bankruptcy. 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-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 in accurate. I'm requesting that the accounts above be deleted immediately.

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 2024-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
THE COLLECTION COMPANY FAILED TO PROVIDE NOTICE OF DEBT. FAILED TO VALIDATE DEBT. THIS IS A COLLECTION ACCOUNT BUT IS REPORTING AS OPEN. THIS IS A CLEAR VIOLATION OF 15 USC CODE 1681S-2. A COLLECTION ACCOUNT CAN NOT REPORT AS OPEN. THIS IS ALSO A VIOLATION OF 15 US CODE 1681B-CONGRESSIONAL FINDINGS AND PURPOSES. 
THIS COLLECTION ACCOUNT IS REPORTING AS LATE/PAST DUE. THIS IS A CLEAR VIOLATION OF 15 USC CODE 1681S-2 INACCURATE REPORTING. A COLLECTION REPORT IS NOT THE ORIGINAL CREDITOR AND THEREFORE CAN NOT REPORT AS LATE OR PAST DUE. THIS IS ALSO A VIOLATION OF 15 US CODE 1681B-CONGRESSIONAL FINDINGS AND PURPOSES.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: NJ

Complaint narrative:
I recently reviewed my credit report and noticed fraudulent accounts. Please remove the fraudulent accounts

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 2024-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
several HUNDRED dollars I sent to people using PayPal and PayPal refuses to refund my money even though I Never received anything I paid for by sending money to people using PayPal
 I have already reported that to PayPal MANY times

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: DISCOVER BANK
State: AZ

Complaint narrative:
XXXX XXXX a representative from Discover Card responded to the CFPB Case # Case # XXXX, which he states that he refuses to remove the hard inquiries on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate reporting by TORRID Credit Card, which has persisted despite my repeated attempts to resolve it directly with the company. 

In XX/XX/XXXX, I noticed a remark on my TORRID Credit Card account stating that I was 30 days late in XXXX of XXXX, despite having a {$0.00} balance during that period. This discrepancy was alarming, especially considering that I had diligently attempted to set up auto-payments through TORRID 's online system, only to find that the system did not save the settings. Even when I called customer service, representatives were unable to rectify the issue, and the auto-pay settings could not be saved. 

The representative confirmed that I had no outstanding balance, yet TORRID continues to refuse to remove this remark, despite my impeccable payment history. 

Despite my persistent efforts, including weekly phone calls and messages, TORRID has not responded or taken any action to resolve this matter. This inaccurate reporting not only tarnishes my credit history but also undermines my financial credibility, despite my consistent and reliable payment record. 

The inability of TORRID Credit Card to rectify this issue is deeply concerning, and I believe it constitutes a violation of consumer rights and fair credit reporting practices. 

I kindly request the intervention of the Consumer Financial Protection Bureau to investigate this matter and ensure that TORRID Credit Card promptly rectifies the inaccurate reporting. 

Thank you for your attention to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-28 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: FL

Complaint narrative:
When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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: MN

Complaint narrative:
my identity has been stolen and i informed Experian credit reporting agency with proper information and have not heard from them. I sent in documentation and have not heard anything back. i am demanding the deletion of the following account. XXXX XXXX XXXX XXXX XXXX, account number XXXX. They are violating my consumer rights as well as my request for blocking information related to identity theft under 15 USC 1681c-2.

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 2024-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
This is easy. I owe XXXX debt. I keep getting scam calls from CSII, https : //www.creditsystemsintl.com/, daily. After repeatedly telling these " people '' to take my number off their list I continue to get calls, so I called them, they refused to provide any information, so I let them know on the phone that if I receive one more call I will take legal action and call the police, as phone harassment is a crime. Also, I have made my intentions clear that I do not want to be called in writing, at their mailing address listed at CSII. 

This is a complaint, and a warning, if this continues I will take legal action. Remove my number, XXXX XXXX XXXX, off the CSII scam call list unless you want to deal with a lawyer. I have a record of every scam call CSII made and the voicemails from these numbers, further, I suspect CSII uses spoofed numbers to make these spam/scam calls.

Locally, I am getting more people and more information on this business in order to make a legal effort on the scam business CSII.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc
State: AR

Complaint narrative:
The company named AFFIRM is reporting a past due account in the amount of {$1400.00} that I never opened. They have admitted the phone number and email in their file does not match my information. 
It has been over 6 weeks since my initial contact with AFFIRM and still today no action has been taken. They stated once again " we will look into it ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX  sold my dept to a collection agency called Credit Management Company on XX/XX/2023 for the amount of {$580.00}. They have continued to harras me calling me two to three times a day and sometimes past XXXX at night. I have tried to work with them but the refuse to accept anything but a full payment. Unfortunately I am not financially capable of making this payment in full at this time. But have agreed to make payments but they refuse still calling me daily, morning and night.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LEXISNEXIS
State: MI

Complaint narrative:
Dear XXXX & LexisNexis, I have received the latest request to send both proof of identity and proof of residence to be able to verify me and my phone number. I have had past cases with XXXX XXXX for reasons of them being unable to reach me at XXXX for " security reasons ''. It has been several months and to do this date the XXXX client " XXXX XXXX '' account is still restricted and my funds of {$25000.00} has not been released. 

TO update, I have mailed the documentation needed for LexisNexis to authenticate Please update me when my number is updated in the system Sincerly, XXXX XXXX

Company response to consumer: Closed with explanation