vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I opened a credit card with XXXX card from XXXX XXXX XXXX ( hereafter known as XXXX XXXX ). I made a couple of purchases using my iphone which had gotten automatically linked to the XXXXXXXX XXXX. I should have gotten a monthly statement of bill by mail to make my card payment. I did not get any such bill for months. They were sending statement by email which was going to my XXXX folder so I was not aware. As I was not aware of the monthly due amount I was unable to pay the bills. XXXX XXXX finally after 90 days of not receiving the payment reported it to credit reporting agecies which adversely affected my XXXX score which had been meticulously built over the last XXXX decades. 

In all the time not once did XXXXXXXX XXXX mail me a bill or a notice of past due to my home mailing address. If they had I would have paid the bill right away. I found out about the outstanding bill when a mortgage company pulled my credit report and saw this late ite. I was surprised and taken aback. I settled the bill including interest right away upon learning of it. 

I wrote to apple card to show a XXXX time consideration to withdraw the delinquency to not impact my impeccable credit history but they refused. This is clearly their fault for not having corresponded by mail when a bill was due. 

I request your help in restoring my credit history. I am in the market to buy a home and it is impacting my ability to get a good mortgage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I opened a credit card with XXXX card from XXXX XXXX XXXX ( hereafter known as XXXX XXXX ). I made a couple of purchases using my iphone which had gotten automatically linked to the XXXXXXXX XXXX. I should have gotten a monthly statement of bill by mail to make my card payment. I did not get any such bill for months. They were sending statement by email which was going to my XXXX folder so I was not aware. As I was not aware of the monthly due amount I was unable to pay the bills. XXXX XXXX finally after 90 days of not receiving the payment reported it to credit reporting agecies which adversely affected my XXXX score which had been meticulously built over the last XXXX decades. 

In all the time not once did XXXX XXXX mail me a bill or a notice of past due to my home mailing address. If they had I would have paid the bill right away. I found out about the outstanding bill when a mortgage company pulled my credit report and saw this late ite. I was surprised and taken aback. I settled the bill including interest right away upon learning of it. 

I wrote to apple card to show a one time consideration to withdraw the delinquency to not impact my impeccable credit history but they refused. This is clearly their fault for not having corresponded by mail when a bill was due. 

I request your help in restoring my credit history. I am in the market to buy a home and it is impacting my ability to get a good mortgage.

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 2024-05-12 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: PA

Complaint narrative:
On or about XX/XX/24 a new collection was added to my credit report with the 3 major credit report. The account was opened fraudulently by a third party as part of an identity theft. I contacted the original creditor listed ( XXXX XXXX ) to explain same. I filed an identity theft claim with the FTC and my local police department ( XXXX Police Department ). I sent copies of these reports as well as all other info requested to XXXX XXXX at the link provided as well as to all 3 major credit bureaus as part of disputes on XX/XX/24. The 3 major credit bureaus have refused to remove the fraudulent account that was opened using my stolen information. I have complied with everything asked of me as part of this identity theft and in accordance with the Fair Credit Reporting Act the creditor has violated my rights under : 15 U.S.C 1681 section 602. The consumer reporting agencies have furnish an account without my written instructions and refuse to remove the fraudulently opened account. The Police report provided by the XXXX Police Department provided is # XXXX. Also attached are the identity theft report filed with the FTC. The credit reporting company XXXX just updated the report noting that it changed ownership to a collection agency rather than removing it. The credit reporting agency shows as XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN 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 2024-05-12 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:
XXXX, XXXX and XXXX Credit Repirting Companies via EXPERIAN.COM member paid online App, charging {$2400.00} a month subscription charged to my debit card monthly, Experian has quite a Monopoly in progress in 2024 Experian sells us Consumers a " Credit Monitoring '' annual/monthly subscription for {$24.00} a month including access on EXOERIAN APP XXXX XXXX and XXXX real time reports. Experian on APP promotes for Large U.S. Banks Credit cards, Secured Credit Cards, Car insurance for XXXX, XXXX, XXXX, Home and life insurance, Loan companies based on each consumers paid subscription Credit XXXX score. EXPETIAN, also uses XXXX XXXX APP to access you as Consumer Subscriber access XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX, XXXX, XXXX and dozens of U.S. and State Licensed Banks and local and XXXX XXXX XXXX. As a Consumer paid Subscriber 2 Experian APP, These Banks, Credit Unions, Utility Companies, Licensed Hone, Auto, LIFE Indurers, Credit Cards with XXXX  Corporate Licensed services logo, these Vompanies pay Huge US Dollar DATA BROKERAGE personal Consumer info sharing and selling with EXPERIAN Corporation unknown to most Expetian paid member subscribers 24/7. XXXX and XXXX XXXX XXXX, XXXX. XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX all pay to and get paid Via XXXX to sell Customers 24/7 activity in there own local U.S. city they live in to XXXX who sells to Big Banks etc to solocit more Crefit products via Consumers online Algorithm and XXXX Search engine activities. 
Also XXXX admittedly via has a NEW 3 tier 3 Credit bureau private Mortgage , Auto Loan, And Credit Card XXXX score most US Consumers Un aware of. So if you as XXXX Customer see your Expetian Score on EXPERIAN VAPP on XX/XX/2024 as a XXXX, u scroll down to bottom of APP at click on Auto, Mortgage, XXXX score and it will show i.e. your Auto Loan EXpetian score to XXXX Companies as only a XXXX for example, sane as Nirtgage Score worthiness to a XXXX XXXX XXXX Mortgage underwriter gets Expetian score for you of XXXX For XXXX, not your visible Consumer score time. Of XXXX. This XXXX Score Manipulation is Not Legally US Legislated currently. Lenders and Expetian, XXXX and XXXX XXXX pay each other Millions in US Dollars to use thus Score system to charge higher interest or deny many Consumer XXXX products. Also EXPERIAN now uses XXXX  number identifier XXXX XXXX XXXX XXXX specifically is a Score Factor visible to Banks via EXPERIAN which collects andxsells this XXXX  XXXX category on you as a Consumer via your 3 Credit bureau XXXXcore so Banks/Credit Unions/Lenders can pay EXPETIAN money to have full 24/7 data Brokerage and Algorithm real time via you as Consumer 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 2024-05-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I had a private loan with NAVIENT from XXXX. However it was for a college that has engaged in misconduct. XXXX XXXX shut down in XXXX and filed bankruptcy the following year. 
I knew in XXXX that this college was defrauding students. By overstating income potential, Not transferring any credits. After deciding to leave XXXX XXXX, Navient would commit XXXX XXXX by calling in the early morning hours and late at night harassing my family & friends. In the end, the next year I paid the {$5000.00} private student loan off, the XXXX XXXX was too much to handle. I had to sell my family memories to pay off the loan. At the end of the day I was financially XXXX by XXXX XXXX XXXX Navient. 
I'm asking for Navient to refund the payment based on the colleges misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I signed up for a Citi Bank promotional offer for the checking account. I completed the requirements and this has been confirmed by the bank multiple times. I was supposed to be paid {$300.00} 30 days after completion. It has been almost 3 months since and still no pay out. I have contacted the bank 3 times and I was told it was to be paid in the system no later than today. Its not in my account and in sick of this. 
Contacted Citi and received a ticket number : XXXX XX/XX/XXXX via phone was told 5 business days for payout. 
XX/XX/XXXX by chat since I wasnt paid yet and was told by the end of the month I would be paid. 
Called near the XXXX  of XXXX was told would be paid no later than XXXX of XXXX. 
It is currently XX/XX/XXXX and no pay. 
In this time I was also send a letter from Citi CONFIRMING I hit the requirements for 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 monetary relief
Consumer complaint received 2024-05-12 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: GA

Complaint narrative:
XX/XX/2024 I requested XXXX  an also Experian that this Collection account is in Major Violation of FCRA Law an to be removed. This account is Reporting as Closed With a Past Due! 15 u.s. code 1666a-b accounts that are charged off and closed accounts can not be reporting past due.

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 2024-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ARVEST BANK GROUP, INC.
State: WA

Complaint narrative:
Arvest Mortgage purchased my home mortgage XXXX or 12 years ago. During that period, I was never late with my payment, never missed a payment, and always paid more than the minimum amount due. In XXXX of XXXX and XXXX of XXXX, I twice requested a payoff amount thru their phone tree system and never received a response. Twice, I paid off the balance due ( which is not the payoff amount ) of the loan and then Arvest quit sending me a statement. XXXX months later, Arvest sent me a late payment notice and reported this to the credit reporting system. I have written to Arvest asking them to remove that late payment from my account based on a pristine history. That was denied. XXXX times I have requested the payoff statements asked for thru their phone tree system and the XXXX late payment statements. None of which they have provided for me. 

The manner is which my requests have been handled indicate some kind of cover-up is happening. I would be very surprised if you do not have similar complaints against Arvest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
In response to my previous dispute, comenity bank/victoria secret have stated that they have sold all rights to the account to XXXX XXXX XXXX and that if I were to request documentation of the account I should refer to them ( see exhibit A ). Needless to say, how can Comenity Bank/Victoria secret, " verify '' this item of information to consumer reporting agencies ( exhibit B & C ) when they do NOT have access to the alleged information? Thus they are inaccurately reporting this unverifiable information to all consumer reporting agencies while violating section 623 ( a ) ( 1 ) ( A ). I demand that they remove this item from all consumer reporting agencies or they will face legal action

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 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: PA

Complaint narrative:
In response to my previous dispute, comenity bank/victoria secret have stated that they have sold all rights to the account to XXXX XXXX XXXX and that if I were to request documentation of the account I should refer to them ( see exhibit A ). Needless to say, how can XXXX XXXX XXXX, " verify '' this item of information to consumer reporting agencies ( exhibit B & C ) when they do NOT have access to the alleged information? Thus they are inaccurately reporting this unverifiable information to all consumer reporting agencies while violating section XXXX ( a ) ( XXXX ) ( A ). I demand that they remove this item from all consumer reporting agencies or they will face legal 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 non-monetary relief
Consumer complaint received 2024-05-12 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I opened an account with Synchrony Bsnk for XXXX XXXX card in XX/XX/year>. I have made all my payments on time and for more than the minimum required every month. I received an email that my account was closed for credit reasons. I called the company this morning, and they stated they closed an account in good standing. This makes no sense to me, and I believe they did it to intentionally drop my credit score.

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 2024-05-12 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: MD

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 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: MD

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 2024-05-12 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: PA

Complaint narrative:
Transunion and XXXX claims that the information being reported is " verified as accurate '' while XXXX deleted this information from my consumer report as the information was incomplete and now I am demanding, pursuant to section 623 ( b ) ( 1 ) ( D ) of the FCRA I demand that it is deleted on all consumer reporting agencies.

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 2024-05-12 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: PA

Complaint narrative:
XXXX and Experian claims that the information being reported is " verified as accurate '' while XXXX deleted this information from my consumer report as the information was incomplete and now I am demanding, pursuant to section 623 ( b ) ( 1 ) ( D ) of the FCRA I demand that it is deleted on all consumer reporting agencies.

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 2024-05-12 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: CA

Complaint narrative:
This CFPB complaint has been filed pursuant to FCRA 605 ( b ). That you the consumer reporting agency shall block the furnishing off all information resulting from identity theft. All these accounts and hard inquires listed on my consumer report are all fraudulent and were not initiated by me. There are 2 accounts that are fraudulent these accounts are the XXXX XXXX Dealership tradeline for an Auto Loan and A collection account by XXXX XXXX XXXX XXXX. There are 3 fraudulent inquires as well that were initiated by 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 2024-05-12 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: CA

Complaint narrative:
This CFPB complaint has been filed pursuant to FCRA 605 ( b ). That you the consumer reporting agency shall block the furnishing off all information resulting from identity theft. All these accounts and hard inquires listed on my consumer report are all fraudulent and were not initiated by me. There are 2 accounts that are fraudulent these accounts are the XXXX XXXX XXXX tradeline for an Auto Loan and A collection account by XXXX XXXX XXXX XXXX. There are 3 fraudulent inquires as well that were initiated by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion sent me an investigation result that stated they were deleting an unauthorized fraudulent inquiry however upon inspecting my report, it is still there. I demand that they delete this information immediately. see attached

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 2024-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Block, Inc.
State: CO

Complaint narrative:
They started taking money out first like prepco and now amzinprep i askes cash app to give me the account contact info and they didnt do it just dont want to help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: PA

Complaint narrative:
Equifax sent me an investigation result that stated they were deleting an unauthorized fraudulent inquiry however upon inspecting my report, it is still there. I demand that they delete this information immediately. see attached

Company response to consumer: Closed with non-monetary relief