vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-10 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: OK

Complaint narrative:
I noticed three different XXXX XXXX XXXX accounts reporting on my credit report about a year ago. All three of these accounts has misinformation being reported so I disputed with the three credit reporting agencies. The credit reporting agencies never responded to me however, I do monitor my credit and nothing changed, all three account were still not reporting correctly. So, I decided to send a letter to XXXX XXXX XXXX asking them to correct, complete, and verify what they're reporting for all three accounts on XX/XX/XXXX. I did not get a response from them either so I sent another letter asking them why they did not respond and that they're verifying inaccurate information on these three accounts on my credit report on XX/XX/XXXX. I still did not get a response so I decided that I was going to continue to send them letters until they responded. I sent letters asking them to fix the errors that they continue to verify on these three accounts with the credit reporting agencies. I sent letters every couple months XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX and finally on XX/XX/XXXX which they finally responded to on XX/XX/XXXXXXXX They ignored me for a whole year and then finally responded within 3 days! now, I'm disputing three different accounts and I've been sending three different letters every time but in this response they don't acknowledge which account they replying to, just that they reviewed my letters and needed more information to investigate. They asked for a " specific '' complaint and a " specific item ''. In all three letters I provided everything, the account numbers they're reporting, the misinformation they're reporting and verifying, and every letter I've sent has been very specific and detailed with all the information required for them to investigate. Then they went on to say my letter was " frivolous and irrelevant. '' And if that wasn't enough, after ignoring me for a year, finally responding that the didn't have enough information which they do, they ended their letter telling me that they were going to charge me " {$30.00} per our to research my information '' and charge me a " {$25.00} hourly reconciliation fee '' for me asking them to correct the errors they're reporting and verifying with the credit reporting agencies. I don't see anywhere on the CFPB website or online that companies can charge the consumers who ask for compliance with the Fair Credit Reporting Act. To me this sounds illegal and violates my rights as a consumer and that's why I'm filing this complaint.

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 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: AR

Complaint narrative:
Additionally, I believe you have violated the Truth in Lending Act ( TILA ), specifically 15 U.S. Code 1666 ( b ) regarding billing errors :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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: PLANET HOME LENDING, LLC
State: MO

Complaint narrative:
In accordance with fair credit reporting act Planet Home Lending has violated my rights. 
15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCITON. 
This letter serves as a formal complaint that you are reporting inaccurate information and incomplete information on my credit report. The notation of the following late payment ( s ) is inaccurate. Please investigate and verify that all data for this account is reported accurately including every notation, date, balance whether reported or not. 
I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment ( s ) were not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if they lacking proof that these payment ( s ) were made late, please update the payment history to PAANL status ( paid as agreed, never late ) or remove the late payment history and mark it as paid according to consumer protection laws.

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

Complaint narrative:
TransUnion company send me my credit report and I realize they are addresses, telephone numbers, employment places and account numbers with adverse information that's doesn't belong to me. I would like you to be erased this from my credit report. 
I called TransUnion on XX/XX/XXXX, and XX/XX/XXXX and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-10 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: PA

Complaint narrative:
I was shocked to see unauthorized inquiries on my credit report this morning and have no idea why they are there. I regularly check my report, but today I noticed discrepancies that weren't present before. Even after refreshing my browser to see if it was a glitch, the inquiries remained. I'm extremely frustrated and need the documents Ive submitted to be thoroughly reviewed so this issue can be resolved immediately and never happen again.

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 2024-10-10 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: WA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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: LEXISNEXIS
State: AL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-10 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: FL

Complaint narrative:
In 2022, I purchased a XXXX XXXX XXXX XXXX XXXX ) from Ashley Furniture, consisting of four elements, for {$1900.00}. The amount was charged to my Synchrony Bank credit card. However, the bed was never delivered. Since then, despite multiple attempts to resolve the issue directly with the company, no action has been taken, and the charge remains on my credit card account. This ongoing charge has negatively impacted my financial situation for over a year. I am requesting a full refund of {$1900.00} + taxes and interest charges fee ( From Ashley to Synchrony Bank ) to resolve 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 monetary relief
Consumer complaint received 2024-10-10 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: TX

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 2024-10-10 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
We purchased an item for curbside pick up from Lowes. We waited almost an hour and when they came out we refused the item due to the missing parts. We were told we would be refunded. You can see from the bill they did not refund the entire amount even though we did not receive anything and wasted time and gas. I have also have paid interest on the amount as well

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 2024-10-10 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: MI

Complaint narrative:
Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/scrub>XXXX  My correct Social Security number:XXXX My correct address isXXXX XXXX XXXX XXXX # XXXX XXXX, Michigan XXXX My employer is : XXXXXXXX XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days.

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 2024-10-10 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: MI

Complaint narrative:
Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the XXXX mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XXXX  My correct Social Security numberXXXX My correct address isXXXX XXXX XXXX XXXX # XXXX XXXX, Michigan XXXX My employer is : XXXXXXXX XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days.

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 2024-10-10 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 strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I sent a dispute letter to Transunion regarding inquiries which are fraudulent. 

The following inquires are not tied to mine and should removed off my credit report XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2024-10-10 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 need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-10-10 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: FL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-10-10 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: TX

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 non-monetary relief
Consumer complaint received 2024-10-10 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: NY

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account 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 2024-10-10 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: NY

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account 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 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I couldnt believe it when I saw incorrect accounts on my credit report today. I check it often, but this time, there were glaring mistakes, and I have no idea why. I thought it could just be a browser issue, so I refreshed the page, but the wrong accounts stayed there. Its deeply concerning, and Im requesting that the documents Ive provided be carefully examined to prevent this from happening again.

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 2024-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On Tuesday XX/XX/year> I receive an email from Barclays saying my AA advantage elite mastercard ending XXXX was delinquent. When I checked my credit score I saw it has significantly gone lower. I looked at my card history and remembered that back in XX/XX/year> I called Barclays and told them there was a {$110.00} XXXX XXXX fraud change and that I wanted to report the fraud and close this card that I never use. They confirmed that this will be done, but to my surprise on XX/XX/year> I have a {$210.00}. PAST DUE balance. 
When I called, the customer service representative said they had no history of my asking to close the account. That all they saw was fraud and that they resolved it. 
I said that information is not correct and I dont want to pay {$210.00} dollars for something I didnt USE! The representative was so insensitive and said SORRY he can not help. He said he could close my account, but the debt will always be there and always affect my credit. I asked and begged for a one-time courtesy credit and he simply said he couldnt. After much back and forth I was forced to pay {$99.00} to clear the account and close it. 
I want my {$99.00} back, I feel so aggravated that I am disputing a fee not an actual charge and they said NO! this is absolutely unacceptable and has never in my 40 years of great credit happend to me before.

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 2024-10-10 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: MI

Complaint narrative:
An accordance With the fair credit reporting act the list of accounts below violated my federal protected, consumer rise to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX has violated my rights. I looked at my Equifax report on XXXX XXXX XXXX XXXX and noticed some things were incomplete and inaccurate and according to the fair credit reporting act whenever a consumer reporting agency Prepare a customer report It shall follow reasonable procedures to assure Maximum possible accuracy of the information concerning the individual about whom the report relates to according to 15 US 1681 ( e ) ( b ) And according to 15 USC 1681 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 response to consumer: Closed with non-monetary relief