vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
CareCredit through Synchrony Bank was used to finance my hearing aid. My monthly bill was always due on the XXXX. I knew I had until XXXX of 2024, to pay off the balance of {$300.00} as that would be the one year of the interest free promotion. However, rather than the last day to pay the promotion being on the XXXX ( the billing date used for 11 months ), the payment was due earlier in the month on XX/XX/XXXX. Therefore, I missed the deadline to pay without the interest being added. It was a sizable amount over {$600.00} for added interest. I did not receive a separate email saying this payment would be due on XX/XX/XXXX. I only received an email regarding my normal due date of XX/XX/XXXX. 

I feel this is a very misleading practice as it creates a different due date than the date used for the other 11 months. This practice does not happen with other promotions that I've used for interest free payments plans. In these cases ( XXXX XXXX XXXX ), the due date for the promotion payments stay the same as all previous due dates so the consumer is not blindsided at the end of the promotion. It seems like a deliberate trap by CareCredit to give consumers a different promotion pay off date that is earlier in the month than their typical payment due date. 

The Promotion Terms did not include any dates for the end payment. I did finally find it on the statements on the second page when I looked at them in more depth on XX/XX/XXXX since I was confused about the larger payment due. I find the website to be a bit confusing and difficult to navigate. I did spend more time trying to find out why my payment was higher than expected and finally found the XX/XX/XXXX deadline in smaller print on the second pages of the statements. I don't believe customers should have to search so much for the different date and I feel it is a deliberate practice to create confusion and to trick customers into missing the final promotion due date. 

I received electronic notices of payment due dates for the XXXX of each month. However, no email was sent for the XX/XX/XXXX promotion deadline. On XX/XX/XXXX, I received an email with the monthly statement that included the interest charge. However, this went to spam since it was the only statement email I received during the promotion. I also received an email on XX/XX/XXXX saying my terms had changed. Again, this went to spam and was not seen until just now. This too seems like a deliberate trap to only notify customers after they missed the earlier due date for the last month 's payment of the promotion.

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 2024-05-19 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: TX

Complaint narrative:
XXXX XXXX XXXX Account number XXXX I received a copy of credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting as an CHARGE OFF, but also shows a past due balance of XXXX, According to the FCRA. I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 USC 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of XXXX XXXX XXXX XX/XX/year> showing {$180.00} placed for collections. This account has resulted in fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned account as reported. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account is the result of identity theft and fraud. I have attached the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that the aforementioned consumer credit account is the result of identity theft and fraud.

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 2024-05-19 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:
Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint regarding an incorrect charge on my Experian credit report. This charge was reported by XXXX XXXX card and has unjustly impacted my credit score. 

I did not receive a bill or notification by mail or email regarding this charge, and I was unaware of the small amount involved. The credit card in question was used only once, and I had no further transactions on it. Due to the lack of communication, I was not aware of the charge until it appeared on my credit report. 

Additionally, XXXX XXXX had a 90-day no pay policy in the past, which was not granted to me in this instance. There was no information provided on the bill, no updates sent to me, and no communication via mail or email. 

Given these circumstances, I am requesting that this charge be removed from my credit report. The delay in addressing the charge was not due to any neglect on my part but rather due to the unusual delay in the notification process. 

I seek your assistance in resolving this matter as it has significantly affected my credit score and, consequently, my financial well-being. 

Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: FL

Complaint narrative:
I am filing this complaint because both Equifax and XXXX are refusing to remove incorrect and unmailable addresses from my credit report. The addresses in question are : - 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  These addresses are not associated with my current or past residence and should be removed from my credit report. 

Additionally, both Equifax and XXXX are reporting incorrect employment information for " XXXX XXXX, '' which is not and has never been my employer. 

Relevant USC Codes : 1. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports - This section stipulates that no consumer reporting agency may include incorrect or outdated information in a consumer report. The presence of these incorrect addresses and employment information violates this requirement.

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy - This section requires consumer reporting agencies to reinvestigate and correct inaccurate information in a consumer 's file. Despite my request, both Equifax and XXXX have failed to correct the inaccuracies. 

3. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies - This section mandates that information provided to consumer reporting agencies must be accurate and complete. The refusal to remove incorrect addresses and employment information indicates a failure to uphold this responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: NC

Complaint narrative:
I am writing to bring to your attention unauthorized inquiries that have appeared on my consumer report maintained by your agency. Upon reviewing my credit report, I have identified inquiries that were made without my authorization. 

Enclosed with this letter, please find a copy of the federal law enforcement report documenting the unauthorized inquiries. This report serves as official documentation of the unauthorized nature of these inquiries. 

According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to control who has access to their credit information, and unauthorized inquiries violate these rights. Therefore, I request that you take immediate action to investigate the unauthorized inquiries and remove them from my credit report. 

Additionally, I request that you provide me with a copy of my updated credit report reflecting the DELETION of the unauthorized inquiries once the necessary corrections have been made. 

Sincerely, XXXX XXXX List of Inquiries to be Deleted due to identity theft : XXXX XXXX XX/XX/2023 ( EQUIFAX ) XXXXXXXX XXXX XXXXXX/XX/2023 ( EQUIFAX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
My credit was nearly perfect for 14 years-no late pymts. XXXX XXXX has received payments and did not process when received. I have dealt with 2 late payments hitting my credit file. The ONLY LATE payments in 14 years. The payments were made. They were not posted in a timely manner. Further, we apply extra money toward the principal of the loan. The company does not apply our additional funds toward principal. IT HAS BEEN A BIG MESS! We have our bank account records to prove we made timely payments. 
FURTHER, there has been NO late notices, NO mailed notices prior to this company putting not one but two 30 day back to back notices on my reports. Do NOT finance anything through 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 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint regarding an incorrect charge on my XXXX credit report. This charge was reported by Military Star card and has unjustly impacted my credit score.

I did not receive a bill or notification by mail or email regarding this charge, and I was unaware of the small amount involved. The credit card in question was used only once, and I had no further transactions on it. Due to the lack of communication, I was not aware of the charge until it appeared on my credit report.

Additionally, Military Star had a 90-day no pay policy in the past, which was not granted to me in this instance. There was no information provided on the bill, no updates sent to me, and no communication via mail or email. 

Given these circumstances, I am requesting that this charge be removed from my credit report. The delay in addressing the charge was not due to any neglect on my part but rather due to the unusual delay in the notification process. 

I seek your assistance in resolving this matter as it has significantly affected my credit score and, consequently, my financial well-being. 

Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: FL

Complaint narrative:
I recently pulled my credit report and noticed some inquiries that I did not authorize.

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 2024-05-19 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: OH

Complaint narrative:
Recently, I did an investigation of my credit report and found several items on there to be inaccurate. These item are reporting three times for the same company. Two as being paid and closed and another that I, the consumer, is unaware of. 
Under the FCRA 15 U.S Code 1681e ( b ) Accuracy of report, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer : 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 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: U.S. BANCORP
State: MS

Complaint narrative:
My credit was nearly perfect for 14 years-no late pymts. US Bank has received payments and did not process when received. I have dealt with 2 late payments hitting my credit file. The ONLY LATE payments in 14 years. The payments were made. They were not posted in a timely manner. Further, we apply extra money toward the principal of the loan. The company does not apply our additional funds toward principal. IT HAS BEEN A BIG MESS! We have our bank account records to prove we made timely payments.

FURTHER, there has been NO late notices, NO mailed notices prior to this company putting not one but two 30 day back to back notices on my reports. Do NOT finance anything through US bank!

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 2024-05-19 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: NC

Complaint narrative:
Hello, I am writing to formally dispute the inaccurate information present on my credit report. The account in question is listed under the name XXXX XXXX XXXX and contains erroneous details that do not reflect my financial history accurately. 

Balance Issue : Collections accounts should not have a balance. This account is currently showing a balance, which is incorrect.

Open Status : Collections accounts are not supposed to be listed as " open ''. This account is inaccurately listed as such. 

No Contract : I have never had a contract with XXXX XXXX XXXX or any debt collector related to this debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, I am requesting debt validation for this account. XXXX XXXX XXXX is required to provide a copy of any contract or agreement that bears my signature, verifying that this debt is mine. 

Furthermore, according to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, you are required to investigate the disputed information. Please find the attached copies of my credit report highlighting the inaccurate entry, along with identification documents for verification purposes. 

I urge you to take the following actions promptly : Investigate the inaccurate information. 

Remove the incorrect account from my credit report if it can not be validated with a contract bearing my signature. 

Correct my credit report accordingly and provide me with an updated copy. 

I expect these corrections to be made within the 30-day period specified by the FCRA. 

Please inform me of your findings and actions in writing at your earliest convenience. 

Thank you for your prompt attention to this matter. I look forward to your positive response and the necessary corrections to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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:
Hello, I am writing to formally dispute the inaccurate information present on my credit report. The account in question is listed under the name XXXX XXXX XXXXXXXX and contains erroneous details that do not reflect my financial history accurately. 

Balance Issue : Collections accounts should not have a balance. This account is currently showing a balance, which is incorrect.

Open Status : Collections accounts are not supposed to be listed as " open ''. This account is inaccurately listed as such. 

No Contract : I have never had a contract with XXXX XXXX XXXX or any debt collector related to this debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, I am requesting debt validation for this account. XXXX XXXX XXXX is required to provide a copy of any contract or agreement that bears my signature, verifying that this debt is mine. 
Furthermore, according to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, you are required to investigate the disputed information. Please find the attached copies of my credit report highlighting the inaccurate entry, along with identification documents for verification purposes.

I urge you to take the following actions promptly : Investigate the inaccurate information. 

Remove the incorrect account from my credit report if it can not be validated with a contract bearing my signature. 

Correct my credit report accordingly and provide me with an updated copy. 

I expect these corrections to be made within the 30-day period specified by the FCRA. 

Please inform me of your findings and actions in writing at your earliest convenience. 

Thank you for your prompt attention to this matter. I look forward to your positive response and the necessary corrections to 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 explanation
Consumer complaint received 2024-05-19 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: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX Date of Inquiry 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 explanation
Consumer complaint received 2024-05-19 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: FL

Complaint narrative:
I recently applied for credit and was denied because of some recent inquiries found on my credit file that I did not authorize.

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 2024-05-19 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: TX

Complaint narrative:
XXXX XXXX XXXX Account XXXX XXXX XXXX off account. I just received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as CHARGE OFF, but also shows a past balance of XXXX. According to the FCRA, I have the right to an accurate credit report. please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion

Company response to consumer: Closed with explanation