vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-28 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am writing to dispute a recent inquiry that appeared XX/XX/2022 on my credit report. The inquiry SYNCB/CARE CREDIT was not authorized by me, and I believe that it is a result of fraudulent activity. I am concerned about the impact that this inquiry could have on my credit score and overall creditworthiness. 

I have reviewed my credit report and have not applied for any credit or loans recently that would warrant a credit inquiry. I believe that this inquiry is the result of identity theft or other fraudulent activity. I take my personal information security very seriously and have taken steps to safeguard my information, such as regularly monitoring my accounts and using strong passwords. 

I am requesting that this fraudulent inquiry be removed from my XXXX credit report immediately. I have already contacted the other credit reporting agencies to report the fraudulent activity and have placed a fraud alert on my account. I am willing to provide any additional information or documentation necessary to support my dispute. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon with the results of your investigation. 

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 non-monetary relief
Consumer complaint received 2023-02-28 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several negative items that have been reported on my credit report. These items have caused significant emotional distress for me and have impacted my ability to obtain credit and other financial opportunities. 

The following items are being disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX charge off account I request that you investigate these accounts and provide me with a detailed explanation of the information reported on each account, including the date of first delinquency, the date of last activity, and the current balance. I also request that you provide me with any documentation or evidence that supports the accuracy and validity of these accounts. 

Furthermore, I would like to remind you of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The FCRA states that credit reporting agencies must investigate disputes within 30 days of receiving them and that inaccurate information must be corrected or deleted. The FDCPA prohibits debt collectors from engaging in abusive or harassing behavior and requires them to provide accurate and truthful information. 

If you are unable to provide me with the requested information, I ask that you remove these accounts from my credit report. I look forward to your prompt response and resolution of this matter. 

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 non-monetary relief
Consumer complaint received 2023-02-28 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several negative items that have been reported on my credit report. These items have caused significant emotional distress for me and have impacted my ability to obtain credit and other financial opportunities. 

The following items are being disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX charge off account I request that you investigate these accounts and provide me with a detailed explanation of the information reported on each account, including the date of first delinquency, the date of last activity, and the current balance. I also request that you provide me with any documentation or evidence that supports the accuracy and validity of these accounts. 

Furthermore, I would like to remind you of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The FCRA states that credit reporting agencies must investigate disputes within 30 days of receiving them and that inaccurate information must be corrected or deleted. The FDCPA prohibits debt collectors from engaging in abusive or harassing behavior and requires them to provide accurate and truthful information. 

If you are unable to provide me with the requested information, I ask that you remove these accounts from my credit report. I look forward to your prompt response and resolution of this matter. 

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 2023-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
on or around the end of XXXX we went through hurricane Ian in XXXX XXXX Florida. Our home owners insurance had been dropped just before the hurricane hit and we were left trying to find new home owners insurance. The hurricane hit the day before we had secured new insurance and our home was damaged on the roof and inside damage such as floors and furniture from the open roof tore away by the hurricane. Our pool cage was totally destroyed. We had many new large bills and no insurance. So to help us get some relief we applied to US banks forbearance plan, They accepted our application and that is where the harassment started by US bank. We were told we would be able to tack the payments of forbearance to the end of our loan XXXX or XXXX times. We were sent threatening mailings telling us we were late and that our credit would be affected and we would be reported to the credit bureau. Our credit did drop XXXX points during this time.We were then told toward the end of our forbearance program that we would have to pay the entire amount back in total. If it were possible to tack the additional forbearance loan they would charge us the current interest rate which they said would be much higher. I have been paying the entire amount in monthly installments allowed by the bank and they are still sending me late payment notices. After about 10 calls and arguing my case i find they have been putting my payments in the wrong place in my accounts. All i receive from my calls is sarcasm and threats Now they tell me its illegal for them to not add my forbearance and they cant charge me interest.

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 2023-02-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC.
State: NC

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

Exeter Finance has violated my rights.

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. ( a5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followinc items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven vears. 
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 2023-02-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: SC

Complaint narrative:
Ability Recovery Services has a collection on my acct for an XXXX XXXX for XXXX XXXX. I have not applied for this school in over 8 years. No payment was made on this particular acct. I have went to this school twice before. Once as a minor and once as an adult and all fees were paid in full and has been off my credit report for a few years. Then another acct comes up with me owing them {$1400.00} which I feel was a mistake on their behalf. I have not been a student of this school in I know over 8 years. I have asked serval times for proof of this acct. None given to me. No one would just apply for a school in someone else name with no benefit to them. I think the company has applied someone else debt to me by mistake.

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 2023-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
PLEASE! SOMEBODY HELP! THE ATM HAS JAMMED AND STOLEN THE {$14.00}, I DEPOSITED ON XX/XX/, AT THE LOCATION THE XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX 

ALTHOUGH, BANKERS WERE STILL INSIDE, I WAS NOT ALLOWED TO COME INSIDE AND GET HELP WITH THE MATTER. 

A FEMALE BANKER GOING HOME, TOOK THE RECEIPT GIVEN TO ME BY THE ATM, LOOKED AT IT AND SAID, THIS HAS HAPPENED A COUPLE OF OTHER TIMES TODAY, I DON'T KNOW WHY, IT SAYS IN 2 DAY BUSINESS DAYS, WELLS FARGO WILL FULLY CREDITED YOUR ACCOUNT, NO FURTHER ACTION IS NEEDED. 

MY ACCOUNT WAS CREDITED XXXX CENT ONLY. 

MY ACCOUNT HAS NOT BEEN CREDITED THE {$14.00}, AND RECEIVED AN EMAIL TELLING ME TO WAIT 10 BUSINESS DAYS, WHILE WELLS FARGO INVESTIGATES. 

I'M XXXX  AND ON XXXX, AND NEED ALL OF MY MONEY, NOT SOME OF MY MONEY. 

THIS IS AN OUTRAGEOUS THAT A BANKING INSTITUTION, RIPPING OFF MONIES THAT ARE PROTECTED. 

GETTING THE RUN AROUND AT THE 800 CLAIMS DEPARTMENT. 

I ALWAYS PUT IN {$14.00}, SO CAN WITHDRAW A ROUND NUMBER FROM THE ATM, AND NOT HAVE TO GOING INSIDE THE BANK. 

MOST DAYS I CAN HARDLY WALK.

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 2023-02-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Care Credit is a card I apply for at the time is because of XXXX XXXX. When I read about the card I was said that you can use it for medical bills, dental and buying some items of drugs like pharmaceutical products. I didn't know that their card ( Care Credit ) only had limited places. For instance my doctor or the hospital had to accept this Care Credit. Everything I tried to purchase didn't accept this card. So now the company closed my card account without any warning or explanation. I called ask why my account was closed I didn't get an answer or letter I was told I will receive.

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 2023-02-28 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: CA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 2023-02-28 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: CA

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. 

XXXX : # XXXX, XXXX  XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX  XXXX : # XXXX, has violated my rights. 

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 2023-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC
State: TX

Complaint narrative:
I noticed on my XX/XX/ mortgage stmt that Gregory Funding had used my escrow account to pay property taxes on some unknown account in " XXXX XXXX ''. I have no idea why or how this happened, but we don't own any property in XXXX XXXX anywhere. I tried to call Gregory Funding regarding this mistake, and was placed on hold. The recording told me I would be on hold for over an hour and a half and that there were XXXX callers in line in front of me. After XXXX minutes, a recorded message came on and told me there were now XXXX callers in line in front of me. After a few more minutes, a message came on and told me they would save my place in line and call me back. It has now been well over an hour and a half, and I have had no phone calls. 

I am completely fed up with how my previous servicer, XXXX, and now this servicer, Gregory Funding, have mishandled my mortgage. We currently have an approved claim against XXXX for around {$15000.00} for money they stole from us through servicing our mortgage. Something needs to be done about all of these crooked servicers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: FL

Complaint narrative:
The Experian, XXXX and XXXX Credit Bureaus are reporting inaccurate information in the following accounts and inquiries. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 
INACCURATE ADDRESES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, ACCOUNTS : 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 2023-02-28 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX of birth XXXX Last XXXX : XXXX Accounts : XXXX XXXX XXXX acct # XXXX and acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Disputing error [ XXXX ] on credit report To whom it may concern I am writing to request a correction of the following information that appears on my [ Equifax, XXXX, XXXX ] consumer report : I find these accounts listed to be in violation of the FAIR Credit REPORTING ACT and in violation of my privacy and consumer rights and confidentiality under 15 USC 1861. 

Dispute XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX and acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX My account were compromised from XX/XX/XXXX til about XX/XX/XXXX Explanation of item being disputed : from XX/XX/XXXX until about XXXX XXXX XXXX, I was a victim of identity theft while in the XXXX and XXXX for XXXX XXXX care. 
o The report shows I currently owe money to your company that I have already repaid. 
o The date of first delinquency on my report is not accurate. I have not have access to the accounts since XX/XX/XXXX o Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 
I have attached a copy of my report with the accounts in question circled. ] Thank you for your assistance. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
A check was issued to XXXX XXXX for the amount of {$140.00}. It was deposited in his account at wells Fargo in XXXX XXXX, Florida for the amount of {$640.00}. It clearly states on the check, {$140.00}. To date wells Fargo has not returned the {$500.00} nor they stated they don't know where it is. The check was written on XX/XX/XXXX and deposited on 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 2023-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Please note, this is not a duplicate complaint, this complaint is due to Transunion keep refusing to investigate into existing problem and keep reporting incorrect account on my report. 
I am not using any third party for this matter and I have a rights that investigate to be done. Credit reporting laws assures that buraus report only 100 % accurate credit information. Every step must be taken to assure the information is completely accurate and correct. The following information, therefore, needs to be re-investigated. Please make sure everything reporting on my credit report is correct. 
Please provide me with the following items : Pay of discloser Date of open an account Interest rate Disclosure Balance history Payment history from XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and from XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX Validate Account XXXX XXXX XXXX I respectfully ask you guys to provide some kind of proof of this is alleged item, specifically the contract, code, or other information bearing my signature. 
Additionally, please provide the name, address, and the telephone number of credit grantor or other subscriber. 
I also aware that under federal law, you have ( 30 ) days to complete your re-investigation. Be advised the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, so be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

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 non-monetary relief
Consumer complaint received 2023-02-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I tried to link my XXXX account to my American Express savings account. XXXX account show up as XXXXXXXX XXXX because that is the bank they use for US currency. After linking, my American Express savings account is frozen. I called them and uploaded the statement from XXXX as requested. My American Express savings account is still frozen.

Company response to consumer: Closed with explanation