vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I request a full investigation into the charge off account and evidence of its ownership. On XX/XX/XXXX, two XXXX XXXX XXXX credit card accounts were opened, but I only authorized one. I had no knowledge of the second account. Despite this, I am receiving letters claiming the account was verified and requesting payment, yet no evidence has been provided to prove the account was mine. 
I will attach copy of the letter I received from them to prove they're ignoring my request and they are not providing any type of ownership evidence for the charge off 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 explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I request a full investigation into the charge off account and evidence of its ownership. On XX/XX/XXXX, two Victoria 's Secret credit card accounts were opened, but I only authorized one. I had no knowledge of the second account. Despite this, I am receiving letters claiming the account was verified and requesting payment, yet no evidence has been provided to prove the account was mine. 
I will attach copy of the letter I received from them to prove they're ignoring my request and they are not providing any type of ownership evidence for the charge off account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX account number XXXX XXXX XXXX XXXX credit reporting on the credit reporting bureas , Transunion XXXX XXXX and XXXX are showing a late payment for XX/XX/2023 and this is incorrect. This account has had no late payments. The payment was posted late in error by company XXXX. I spoke with XXXX  representative and representative agreed payment was not late. I was told my credit report will be updated to pay as agreed with no late payments to all three credit bureaus.

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 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX account number XXXX XXXX XXXX XXXX credit reporting on the credit reporting bureas , XXXX XXXX XXXX and Equifax are showing a late payment for XX/XX/2023 and this is incorrect. This account has had no late payments. The payment was posted late in error by company XXXX. I spoke with XXXX representative and representative agreed payment was not late. I was told my credit report will be updated to pay as agreed with no late payments to all three credit bureaus. 

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 explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Upon waking today XX/XX/XXXX I saw an alert from XXXX XXXX that one of my accounts was closed. I then called Bank of America, who the card was issued from, and was told it was closed and XX/XX/XXXX and that on XX/XX/XXXX a letter was mailed to me which would explain the reason for the closure ( which I have still not received ). Unsure as to why they would send a paper letter being that I am fully signed up with all electronic statements and notifications. When I called, they offered up no options, solutions or further information. I opened the card in XXXX of XXXX and had a plan to use it for several large purchases within the next couple of months if not sooner. There was no balance on the card as I hadn't used it yet and an open available credit of {$6000.00}. My credit score has now taken a large hit as well, so I am unable to apply for a new card and get that same credit limit. This account was not even a year old and then closed without notice of any kind. It is unacceptable to punish consumers by closing their credit card only because we didn't use it fast enough. We planned what we were going to purchase on this card in advance and now we have nothing. Most promotional periods even last a year, and we got not opportunity to take advantage of that like we planned because they closed the account before the one-year mark. This is very frustrating especially since we have another card with BOA that we have been using. So obviously we make purchases on our cards we just hadn't used the one they closed yet. This is very shady and, in my opinion, illegal behavior.

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 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I didnt authorize any or these inquiries : 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 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 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Reliable Credit Association, Inc.
State: OR

Complaint narrative:
I didnt authorize any or these inquiries : 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 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 disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This incident happened at the XXXX XXXX store with the address XXXX XXXX XXXX XXXX , XXXX, CA XXXX. 

On XX/XX/2023, at approximately XXXX XXXX. I went to the above XXXX XXXX store with my husband to purchase a king-size bedroom set. When we got to the store, one of their customer service people showed us what they had on the king size. After that, we were able to make our choice on what to purchase. 

My husband told him that we wanted to do financing, and we wanted a situation where we could pay with our own credit card. He explained to us two ways we can do that. He stated that we could make payment with their store card by opening an account with them and it is going to be 0 %, or we could pay with our credit card but it comes with some percentage. my husband asked him multiple times if their store card was a CREDIT CARD, and HE STATED, " NO '' He further stated that the card would be sent by Synchrony Bank. Additionally, he stated that we don't need the card to make payments, the purpose of the card is to track sales. my husband asked him again if the card was a credit card and he said " No '' Finally, we decided to go with their store card as he called it. and he started filling in my information on the tablet he had. moments later, he gave me the tablet to sign. when I was reading the questions and signing the information. My husband called the attention of the customer service person again and told him that this was a credit card that they were applying here. He asked him why they lied to us that it was not a credit card. he kept quiet without saying anything. My husband further told him that this is like applying for a store credit card. He IMMEDIATELY told customer service that we were no longer interested both in the card and in purchasing anything again. We left the store without purchasing anything or completing the signing of the application.

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 2023-10-11 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: TX

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

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.

1

5 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 2023-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
Rushmore Loan Management Services XXXX XXXX XXXX XXXX XXXX, CA XXXX www.rushmorelm.com XXXX Mortgage payment for XXXX has not come out XXXX payment was not taken out as an automatic debit from my checking. When I try to contact the company via phone they do not acknowledge there is an account under the mortgage number or social security numbers. Can not contact a live person either. I am assuming that the loan was sold to another company. We have not received any notification regarding this. I need to know what is happening. The mortgage payment is going to be late, do to no fault of my son or mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Phone : XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Subject : Dispute of Inaccurate Reporting and Request for Investigation Dear Sir/Madam, I am writing to file a formal complaint and request an investigation into an ongoing issue related to my credit report. This matter pertains to a charge-off account placed on my credit report by XXXX, a creditor, which I believe to be inaccurately reported. This inaccurate reporting has adversely affected my reputation and is preventing me from accessing reasonable and adequate lending opportunities, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I have taken the following steps to address this issue : 1. I have submitted multiple disputes with all three major credit bureausXXXX, Experian, and XXXXregarding the disputed account. Despite these disputes, I have not received a response detailing the method of verification and validation of the debt, as required by the FCRA. 

2. I have also attempted to resolve this matter directly with XXXX, the creditor in question, but have not received a satisfactory response or resolution. 


Given the persistent inaccuracies in my credit report and the failure of both the credit bureaus and the creditor to provide adequate documentation, I am left with no option but to escalate this matter to the Consumer Financial Protection Bureau for further investigation. 

I kindly request the following actions be taken by the CFPB : 1. Initiate a thorough investigation into the reporting practices of XXXX regarding the account in question. 

2. Request XXXX to provide a detailed method of verification and validation of the debt, as required by the FCRA. 


3. Demand an immediate removal of the inaccurate reporting from my credit report, as it has caused harm to my creditworthiness and reputation.

I have attached copies of all dispute letters previously sent to the credit bureaus and the creditor for your reference.

I am also open to discussing this matter further and providing any additional information required to expedite this investigation. 

Thank you for your prompt attention to this matter, and I look forward to a timely resolution. Please feel free to contact me at XXXX or XXXX to discuss this further. 

Sincerely, 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 2023-10-10 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ResidentCollect, Inc.
State: FL

Complaint narrative:
Received a notice from Innovative Recovery Inc stating they were trying to collect a debit from my previous landlord. Landlord took us to court for a false eviction as lease was up in XXXX XXXX. Left the property two days before lease completion. Court case was dismissed. 

I sent a Debit Validation Letter to the address provided by Innovative Recovery Inc, XX/XX/XXXX. Never received any written validation from the company in regards to the debit they are trying to collect. 

Company is stating they sent notices on XX/XX/XXXX and XX/XX/XXXX but no written notices have been received since XXXX, XXXX. I had to call the company on XX/XX/XXXX to asks for an email to send the court order showing case had been dismissed.

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 2023-10-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: NY

Complaint narrative:
I submitted an application to the SAVE program on XX/XX/XXXX on the studentaid.gov site. XXXX reported this application as received on XX/XX/XXXX. The monthly payment amount listed under the SAVE plan is {$280.00}.

Edfinancial ( my servicer ) transferred my account to their new platform on XX/XX/XXXX, listed a payment amount of {$510.00}, due on XX/XX/XXXX. On XX/XX/XXXX, I received an email that I had new messages regarding my student loans ( attached ). These messages asked me to recertify my XXXX plan, but did not acknowledge my SAVE application. 

I uploaded my XXXX tax return to Edfinancial 's site, even though they should have already received it as part of my SAVE application. I also emailed Edfinancial multiple times, using the form on their site, asking for information about the status of my SAVE application, and requesting that my loans be placed into forbearance if they could not process the application by the payment date of XX/XX/XXXX. I received no response to any of my emails. 

Having heard nothing from Edfinancial, I telephoned the servicer on XX/XX/XXXX. When I spoke to a representative, I was told that Edfinancial had never received my XXXX application, but they could begin processing a new application immediately if I paid a {$5.00} fee. I did so ( the confirmation email is attached ). I asked about putting my loans in forbearance until the application was processed, and was told that Edfinancial would not do that, and that due to the " on ramp '' this would not matter. I did not, and do not, believe this to be the case, because I will still have a larger amount past due at the end of the " on ramp '' period than I should under the SAVE program. 

On XX/XX/XXXX, I reviewed my account to see that not only did Edfinancial not put my loans into forbearance or acknowledge the existence of my SAVE application, but they have increased my payment amount for XXXX to {$950.00}. I have received no correspondence from Edfinancial explaining why my payment nearly doubled, and is almost 4 times what it should be under the SAVE plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to file this please as my formal complaint to EQUIFAX for allowing the fraudulent accounts on my credit report. I filed an FTC report with the identity theft report number XXXX. As I checked my credit report these are fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This formal complaint is against Equifax. I have disputed with Equifax a few times regarding the inaccuracy of late payments being reported on my consumer credit report. A letter was mailed to Equifax, contacted directly over the phone, and documentation was provided to them. I received your response stating that the late payments on my consumer reported were verified as accurate. Even after Equifax 's reinvestigation, the inaccuracies still appear on my credit report. 

XXXX is in CLEAR violation of the law. Pursuant 15 UC 1681a 2 ( A ) ( i ) and this constitutes to inaccurate reporting. 

Exclusions Except as provided in paragraph ( 3 ), the term consumer report does NOT include : ( A ) Subject to section 1681s-3 of this title, ( i ) Any report containing information solely as to transactions or experiences between the consumer and the person making the report ; The Law Clearly States : Transactions between the consumer ( ME ) and the person/company ( XXXX XXXX XXXX XXXX XXXX XXXX ) making the report is NOT INCLUDED on my consumer report. A late payment is a transactional history, My History with the company. CONGRESS clearly states that the reporting of transactions or experiences between the consumer and the person making the report is not included on the consumer reports. 

Equifax ( the consumer reporting agency ) has VIOLATED the FCRA 15USC 1681a 2Ai by reporting these transactions and experiences, reflected as late payments on my consumer report which CONGRESS clearly states IS NOT included on my consumer report. 

In accordance with the Fair Credit Reporting Act, Equifax has also violated my following rights : 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 states that consumer reporting agencies can not furnish an account without written instructions 15 USC 1666b timing of payments states a creditor may not treat any payment on a credit card as late for any purpose

Company response to consumer: Closed with non-monetary relief