vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-14 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: NC

Complaint narrative:
XXXX XXXX has reported my mortgage late 150 days to XXXX credit reporting agencies while my account has been in a billing error status ( 12 CFR 1026.13 ) since XX/XX/year>. I have requested that they send me all the accounting according to XXXX. They have yet to do so. Instead I was sent a ledger and a letter stating what Im asking basically is too much work. Pursuant to 12 CFR 1026.13 ( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. Then my account was in a loan modification status and I sent in the documents to the return address and was ensured no payments were going to be reported late and they illegally did that as well. I also informed them by mail and phone that there was a default in my letter of credit/bill of lading/good and I am authorizing all the accrued interest and fees be applied in full and refunded per terms and agreements. My account has yet to be credited according to XXXX XXXX. I gave acceptance and consideration and returned the good. They are now telling me that my home is in a foreclosure status but have not given any administrative process or notices to me in regards to that. They are trying to me illegally foreclose on a home that I have a perfected XXXX lien that I security interest in. The mortgage deed and the note have been separated and sold which also makes a breach in the contract and cancels out the mortgage. 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 2024-06-14 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: NC

Complaint narrative:
XXXX XXXX has reported my mortgage late 150 days to XXXX credit reporting agencies while my account has been in a billing error status ( 12 CFR 1026.13 ) since XX/XX/year>. I have requested that they send me all the accounting according to XXXX. They have yet to do so. Instead I was sent a ledger and a letter stating what Im asking basically is too much work. Pursuant to 12 CFR 1026.13 ( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. Then my account was in a loan modification status and I sent in the documents to the return address and was ensured no payments were going to be reported late and they illegally did that as well. I also informed them by mail and phone that there was a default in my letter of credit/bill of lading/good and I am authorizing all the accrued interest and fees be applied in full and refunded per terms and agreements. My account has yet to be credited according to XXXX XXXX. I gave acceptance and consideration and returned the good. They are now telling me that my home is in a foreclosure status but have not given any administrative process or notices to me in regards to that. They are trying to me illegally foreclose on a home that I have a perfected XXXX lien that I security interest in. The mortgage deed and the note have been separated and sold which also makes a breach in the contract and cancels out the mortgage. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 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: NC

Complaint narrative:
XXXXXXXX XXXX has reported my mortgage late 150 days to XXXX credit reporting agencies while my account has been in a billing error status ( 12 CFR 1026.13 ) since XX/XX/year>. I have requested that they send me all the accounting according to XXXX. They have yet to do so. Instead I was sent a ledger and a letter stating what Im asking basically is too much work. Pursuant to 12 CFR 1026.13 ( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. Then my account was in a loan modification status and I sent in the documents to the return address and was ensured no payments were going to be reported late and they illegally did that as well. I also informed them by mail and phone that there was a default in my letter of credit/bill of lading/good and I am authorizing all the accrued interest and fees be applied in full and refunded per terms and agreements. My account has yet to be credited according to XXXX XXXX. I gave acceptance and consideration and returned the good. They are now telling me that my home is in a foreclosure status but have not given any administrative process or notices to me in regards to that. They are trying to me illegally foreclose on a home that I have a perfected XXXX lien that I security interest in. The mortgage deed and the note have been separated and sold which also makes a breach in the contract and cancels out the mortgage. 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 2024-06-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Synchrony offered a promo rate on XXXXXXXX XXXX XXXX. I applied for financing. Before I could review any information or select to move forward, the sale went right through apon approval. They provided me no details on terms etc and after more than XXXX days, they still cant give me info I requested on payments, terms, etc.

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 2024-06-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is a major source of concern for me. I am deeply troubled by its potential adverse impact on my credit. It has already led to the denial of a recent loan application and increased interest rates on my existing credit accounts. I want to emphasize the severe financial strain and emotional distress this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 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: GA

Complaint narrative:
I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 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: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I am writing to complaint to MIDLAND CREDIT MANAGEM about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX, AL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXXI have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
American express is charging me {$29.00} a month in late fees. I asked if they were going to comply with the CFPB rule change to {$8.00} and they said they were not. They did so in writing in chat.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 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: FL

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 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: NY

Complaint narrative:
I contacted the company to correct the reporting on the account in reference to payment being made late. The company was sent a letter to the XXXX XXXX XXXX XX/XX/year>. The amount past due was {$40.00}. I have no history of being late on this account and this is highly unusual for me to be late on any of my accounts my prior payment history attests to this. The credit card company saw fit to report this to the credit bureaus which adversely affected my credit rating and subsequently caused irreparable harm to my ability to obtain new credit or apply for mortgages. I expressed this to the company and they told me that there was nothing they could do. I also disputed this with the credit bureaus and again the credit card company refused to address the error. The statement was to arrive the day after XXXX XXXX XXXX XXXX which was a holiday so the XXXX was the date giving grace for the holiday and which I did not receive the 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 2024-06-14 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: NC

Complaint narrative:
This isnt an individual account. This is my sons account and Im the co-signer

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 2024-06-14 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: FREEDOM FINANCIAL NETWORK
State: GA

Complaint narrative:
Per the FCRA as a Federally protected consumer. I am now opting out, of any and all authorization. 
I the consumer may have given you written, unwritten, verbal, non verbal per 15 U.S.C 6802, 6805 and Privacy act of 1974, 16 CFR 313.7, 16 CFR 433.1, 16 CFR 433.2, 16 CFR 433.3, 5 USC 522a I would like to be opted out of these account on my credit report XXXX  account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Per the FCRA as a Federally protected consumer. I am now opting out, of any and all authorization. 
I the consumer may have given you written, unwritten, verbal, non verbal per 15 U.S.C 6802, 6805 and Privacy act of 1974, 16 CFR 313.7, 16 CFR 433.1, 16 CFR 433.2, 16 CFR 433.3, 5 USC 522a I would like to be opted out of these account on my credit report Wellsfargo account number 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 2024-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Truist Bank is offering a bonus of {$300.00} when you open a new business checking account and complete the following requirements : Use promo code XXXX Make cumulative qualifying deposits of $ XXXX Enroll and Sign In to Truist Online Banking for Business within 30 days of account opening. 
I opened their account with this code and completed requirements but when I called them they told me I never accepted the promotion terms and conditions despite applying the code so I could not get the bonus.

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 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to file a formal complaint against Experian regarding their refusal to update and delete old, inaccurate addresses from my credit file, despite multiple attempts to correct this information. 

I have made numerous efforts to address this issue by sending letters and updating my address online through Experian 's website. Despite my persistent efforts, Experian has failed to remove the outdated and incorrect addresses from my credit file. This failure to maintain accurate information is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must ensure the accuracy of the information they report. 

My only and correct address is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX I'm requesting that Experian DELETE AND REMOVE the following inaccurate addresses from my consumer report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX. XXXX XXXX XXXX XXXX, NY XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, NY 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 2024-06-14 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: TN

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 2024-06-14 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: TN

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 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2024-06-14 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: Affirm Holdings, Inc
State: GA

Complaint narrative:
Opened Affirm loan XXXX for a purchase on XXXX for two lawnmowers. I never received the two lawnmowers. The XXXX seller sent two false tracking numbers. One a XXXX  tracking for a package from XXXX ( not XXXX ) shipped to an XXXX customer NOT my address nor my package. Later I was sent a XXXX package that also belonged to an XXXX customer. Again not even XXXX package. The package had a different persons name and XXXX said the package was NOT mine. I have proof from XXXX and XXXX showing these packages were NOT mine. XXXX gave a partial refund and closed my dispute. Affirm sided with XXXX and closed my dispute and affirm are demanding I pay the remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 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: NC

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately, i had XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XX/XX/2023 and XX/XX/2023 i'm now requesting you investigate and provide verifiable proof with records showing that i had late payments. if this information can not be verified i demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-06-14 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 am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Inquiry 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 non-monetary relief
Consumer complaint received 2024-06-14 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: CAROLINA FINANCE, LLC
State: NC

Complaint narrative:
This isnt an individual account. This is my sons account and Im the co-signer

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.

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