vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
XX/XX/2022 I learned my Synchrony XXXX XXXX account as sent to collections, although my statements show the account current. Synchrony sent me to collections after rejecting a proposal from a debt management company XXXX XXXX XXXX XXXX XXXX, and the payment sent in my XXXX XXXX. I asked about the status of the account, and a copy of my statement, and Synchrony told me a verbal cease and desist order was placed on my account with a telephone call XX/XX/2022. I was at work, in a team meeting, when the supposed phone call was made. There's some fraud or identity theft going on with my account and I reported the incident to the police. Synchrony has never investigated that phone call and it's hard to find out what is going on with my account. 

I have been requesting for three months with Synchrony Bank, Care Credit card, that a cease and desist notice be removed from my account. I faxed a letter XX/XX/2022. 
I have been calling in for three months to follow up on my XX/XX/2022 letter, requesting the cease and desist order be removed. 

I also need a letter stating the account is paid, closed and settled. They won't send me a copy of the letter due to the cease and desist order I never authorized. I need the settlement letter to update 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 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
existing problem We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 

YOUR COMPLAINT My XXXX  XXXX Trans Union FICO score recently dropped from XXXX to XXXX on XX/XX/2022, and then it dropped again to XXXX on XX/XX/2022. I have an XXXX 100 % payment history, and I haven't made any large purchases on any of my credit cards. I recently made a change of address but that should not drop my score that much. I attached a screenshot of my XXXX  XXXX Trans Union FICO score to this complaint. 

The odd thing is that my XXXX TransUnion FICO score went up from XXXX to XXXX on XX/XX/2022. It stands to reason that my XXXX  XXXX Trans Union FICO score should also go up. My XXXX Trans Union FICO score went up, while my XXXX  XXXX Trans Union FICO score went down. This makes no sense. This drop in my FICO score on my XXXX  XXXX card is preventing me from obtaining the best possible interest rates on loans and balance transfers. 

I attached a screenshot of my XXXX  XXXX credit score showing the decrease to 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 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, 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 made and uninformed decision when I applied for this card. It wasnt clear to me ( Law 15 USC 1602 ) So the agreement is fraud and a violation Also They dont have permission to report on my consumer report with out my permission. ( Law 15 USC 1681b ) 1. XXXX XXXX ( XXXX ) XXXX. XXXX ( XXXX ) XXXX. XXXX XXXX  XXXX ) XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XXXX XXXX I uploaded documents referring to my dispute. It never went under investigation. I called in XX/XX/XXXX and spoke to a representative and they couldn't tell me the reason why it wasn't under investigation. They claim they did a proper investigation and what i disputed never should they did one. So how did you do an investigation? I would like supporting documents that you did an investigation. I would like a proper investigation done.

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 2022-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: LA

Complaint narrative:
I explained to the representative that I sent money to the wrong person and I had no way of contacting this person and could they please reverse the payment and put the {$70.00} back into my chime account and I filed a dispute but they still telling me I may not get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE
State: NM

Complaint narrative:
My identity was stonlen on XX/XX/2022. A credit card account was opened fraudulently using my information with BARCLAYS BANK DELAWARE/O. I contacted them on XX/XX/2022 and XX/XX/2022 and on XX/XX/2022 to try and get this problem resolved but they refuse to send a letter to the credit Bureaus to get this removed off my credit report. I had to spend over XXXX contacting and emailing credit card companies and bureaus to place fraud alerts and credit freezes on my accouunt. After doing a XXXX search on BARCLAYS BANK DELAWARE/O I see the have a XXXX star rating with many people in the reviews calling them a scam.

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 2022-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
A XXXX XXXX account has went into collection in XXXX of 2022. Stating I owed {$120.00} and was past due. I have contacted and went into the stores to sort this out and all times I have contacted them they confirmed that this account was suppose to be closed off. From then, I disputed and the account still shows as collection on my credit report. I was told that it was going to be settled and taken care of but never happened. Its been 9 months now that it still shows as a collection is a negatively impacting my credit.

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 2022-09-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Delete In accordance with the fair credit reporting act XXXX  account. XXXX XXXX # XXXX balance {$51.00} XX/XX/XXXX XXXX XXXX # XXXX balance {$890.00} XX/XX/XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX  {$10000.00} XX/XX/XXXX XXXX  # XXXX XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX {$520.00} XX/XX/XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX {$260.00} XX/XX/XXXX XXXX XXXX {$280.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$860.00} XX/XX/XXXXXXXX XXXX {$710.00} XX/XX/XXXX HAS Violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A. 2 : It also states a consumer reporting agency instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX and Transunion credit bureaus to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : 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 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : 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 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX Trans Union FICO score went down on XX/XX/2022 from XXXX to XXXX and I do not understand why it went down when I have 100 % XXXX payment status. I have not made any large purchases on any of my credit cards. The only thing I did was change my address, but that should not cause my credit score to drop that dramatically. 

I should mention that on XXXX, 2022 my XXXX XXXX  Trans Union FICO went from XXXX to XXXX so it makes no sense that the score would drop XXXX points on XX/XX/2022 This drop in FICO score is preventing me from getting the best possible interest rate on my loans, and balance transfer that I am trying to get. 

I attached a screenshot of my XXXX card FICO 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 non-monetary relief
Consumer complaint received 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$4600.00}, XXXX XXXX Opened Date XX/XX/XXXX Balance {$3300.00}, XXXX XXXX  XXXX Opened Date XX/XX/XXXX Balance : {$13000.00}, ( Original Creditor : ) XXXX Date Opened : XX/XX/XXXX Balance : {$140.00}, and XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX 

This is your FINAL WARNING. Please BLOCK AND REMOVE the ACCOUNTS resulting from alleged identity theft.

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 2022-09-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I am complaining because Credit acceptance has harassed me continuously. Ive asked multiple times since the pandemic started if my payments can be lowered due to me losing my job. I was mocked and humiliated because I was unable to make my payments on time. Every representative that I have spoken with has been rude. This company is refusing to lower my payments and is threatening repossession. They call me non stop and its causing XXXX XXXXXXXX I am getting back on my feet and would like the harassment to stop. I am a single mother trying the best I can and the representatives make me feel less than a person. Something has to be done about this immediately! Credit acceptance keep putting late payments on my credit which is causing my score to decrease, putting me further behind in life.

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 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under

15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my repor
ts. Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXXXXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 8. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 9. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX AZ XXXX 3. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 4. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 6. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Delete this account. 7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 9. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 10. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Delete this account.

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 2022-09-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management
State: FL

Complaint narrative:
I have not received an itemized bill of what theyre saying I owe. Also, AmeriFinancial Solutions is not licensed to collect in the state of Florida.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC
State: NY

Complaint narrative:
I reached out to this bank on XX/XX/XXXX to get information on the Property insurance on the building of which I am a cooperative shareholder. This bank refused to provide the information given that they just conducted a refinance where the Assignment of Leases and Rents requires that " The premise shall be kept in good order and repair, and all Federal, State and Munciipal laws, rules and regulations applicable to said premises shall be complied with by XXXX. This is not the case because I have a mold violation on my unit which is on the very top floor of the building which was place by New York XXXX XXXX XXXX and XXXX. Moreover, an open violation report from the New York XXXX XXXX XXXX and XXXX so that other units on the XXXX floor as having the same issue with water leakage and mold which means that the XXXX is not maintaining the building. I want the policy information to file for damages to repair my unit. This is an unsafe situation.

Company response to consumer: Closed with explanation