vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-26 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:
In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially 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, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 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 explanation
Consumer complaint received 2023-05-26 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I have five collection accounts on my credit report by three companies called XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. The two collections from XXXX XXXX XXXX are for {$770.00} and {$540.00}. The two collection accounts from XXXX XXXX XXXX are for {$580.00} and {$490.00}. The XXXX collection from XXXX XXXX XXXX is for {$350.00}. All of these accounts are fraudulent reports for alleged debts that have never been validated and the company never sent me a notice of debt or a chance to even validate the debt. XXXX XXXX XXXX and XXXX XXXX XXXX responded to my complaint on CFPB showing that I was correct, and they notified all three credit bureaus to tell them to remove the collections from my credit report due to the violation. XXXX has started to remove the accounts from my credit report but failed to remove two of the erroneous and fraudulent collections. XXXX and Equifax have failed to remove the collections or properly investigate the situation in regard to my FCRA rights. Please investigate as to why these credit bureaus have dropped the ball on their investigations and why their reports and scores are so different than each other.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Chime Financial Inc
State: MA

Complaint narrative:
I received an email from Chime saying my account is now open and active under my name, billing address and email. They also sent a XXXX Credit Card to my home address. This was all alarming because I DO NOT have an account with Chime. I called them immediately to ask if they had my social security number linked to the account that someone else had opened and they told me they could not provide me with that information and they would just close the account and that I should just shred the credit card and " move on ''. When I asked to speak to their manager or someone that could help me further and provide me with an answer as to whether they had my stolen SSN # they simply replied " I can transfer you but they won't be able to help you either ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have been dealing with this nightmare for 7 years now. XXXX and it's credit lenders are corporate bullies who pray on individuals. My XXXX XXXX Account was closed in XX/XX/XXXX. I was harassed and consistently bombarded by both XXXX and a collection agency. I continued making payments on a closed account in good faith and I slowly noticed that XXXX changed the information displayed on my credit report. In XX/XX/XXXX I realized they reported that my account was opened again even though it was indeed closed and I was not able to use my card again. It was clearly a relation move given the fact that I have made prior complaints to the CFPB and consumer agencies. At the end of XXXX, I called one of the many financials offices of XXXX credit cards and offered to pay the {$500.00} in late fees that were accessed throughout time even thought I had already paid off my original balance. The associate on the phone said not to pay it because my balance is scheduled to drop off my credit report in XXXX. However today, XX/XX/XXXX, after calling XXXX different departments, I learned that the company indeed reported that my account became delinquent in XX/XX/XXXX ( and not closed in XXXX ) and that it won't drop off of my report until XXXX!! When I asked what happened to my prior closure from XXXX, THEY SAID THAT THEIR SYSTEMS CAN NOT ACCESS DATA FROM XXXX! This is fraud and fraudulent activity in addition to targeted bullying. **Backstory on delinquency.. I changed jobs in XXXX and delayed on 2 months of pay on my XXXX XXXX and they had no REMORSE. They immediately closed my account. I have an 100 % payment record on my credit report and prior to XXXX I ALWAYS paid my Macys account on-time. They are corporate bullies.

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 2023-05-26 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: EQUIFAX, INC.
State: IL

Complaint narrative:
ubject : Method of Verification Request for Disputed Account Dear Sir/Madam, I am writing to dispute the accuracy and validity of an account listed on my credit report. According to my records, the account in question does not belong to me, and I am requesting that you verify its accuracy as mandated by the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ).

Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX I am well aware of my rights under the FCRA XXXX which requires credit bureaus to investigate and verify the accuracy of disputed information within a reasonable timeframe. As such, I am formally exercising my rights and requesting that you provide me with complete and thorough documentation that supports the validity of this account. 

To ensure a fair and comprehensive investigation, I kindly request that you provide the following information : Verification of the Creditor : Please provide documentation proving that the alleged creditor, as listed on my credit report, is legitimate and that a valid contractual relationship existed between myself and the creditor.

Verification of Account Ownership : Please furnish documented proof establishing my ownership and responsibility for this account, including any signed agreements or contracts bearing my signature. 
Itemized Account Statements : I request copies of all account statements, including the original and subsequent statements, indicating the transaction history, balances, payments, fees, and any other relevant information pertaining to this account. 
Chain of Custody : Please provide a complete record of the account 's ownership and any transfers or assignments of the debt. This should include any supporting documentation demonstrating how the alleged creditor obtained the account information. 

I understand that under the FCRA, the credit bureau has a legal obligation to investigate my dispute within 30 days of receiving my request. Additionally, I kindly request that you inform the original creditor of my dispute and provide them with a copy of this letter, as required by FCRA Section 611 ( a ) ( 2 ) ( A ). Please be advised that any failure to comply with my request and obligations under the FCRA may result in legal action to protect my rights. I have enclosed copies of relevant documents supporting my identity, including a copy of my driver 's license and a recent utility bill, to confirm my identity and ensure accurate processing of this dispute. Thank you for your prompt attention to this matter. I expect a thorough investigation and a timely response within the required timeframe. Please send all correspondence regarding this dispute to the address listed above. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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: NY

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. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
CFPB Orders Wells Fargo to Pay {$3.00} XXXX for Widespread Mismanagement of Auto Loans, Mortgages, and Deposit Accounts. 
Re-Mortgage. 
I had previously started a complain through CFPB ( XXXX ) which they closed because they said they tried to reach me. The first time they called I was in a meeting and stepped out to take the call, in speaking with the representative I asked if we can schedule a call to which he answer he would call me back. I did received call from wells Fargo but they were during working hours and I missed the calls. they are really not trying to help the consumer. So, they closed it. Well is not that simple, therefore I am requesting everything to be in writing. Further more I am requesting Wells Fargo Mortgage for the following : 1. A complete Forensic Audit of my account 2. The Original Promissory Note 3. Any and all assignments of mortgage done without my authorization 4. an explanation of the audit which may include all but not limited to charges, fees, assessments, balance transfer etc. 

I am demanding to have them have it In Writing within 30 days. FRAUD IS CRIMINAL AND JUSTICE NEEDS TO PREVAIL. 

Furthermore I request Wells Fargo Pays the amounts due based on the CFPB plus 10X the amount due to pain and suffering.

Wells Fargo is not helping and does not make it easy for affected parties with concerns to answer our questions, call this number call that number and at the end- nothing. I requested the simplest thing : tell me whether or not you have or will send me a letter telling me if you considered that I was affected. of course I was!!!!! I have to wait with he million of people to see if we ever going to get a letter. they can do better than that!!! I get the wait in line but they know who they wronged.

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 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I have sent several letters in the past 2 months to all three credit bureaus to try and get rid of inaccurate information off of my credit report I should only have 2 addresses reporting on my credit report XXXX XXXX XXXX XXXX IA XXXX and XXXX XXXX XXXX XXXX XXXX mo XXXX I do not receive any us mail at any other addresses which makes them inaccurate that is someone else 's address reporting to my credit report and they keep saying there is nothing I can do to remove the address but according to the law I read they can not report inaccurate address

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 2023-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stenger & Stenger, P.C
State: GA

Complaint narrative:
Regarding my account XXXX, I called Stenger and Stenger PC @ XXXX on XX/XX/2023. I spoke with a gentleman who collected my payment and credited {$580.00} to my account. Moreover, scheduling a payment for the final payment of {$580.00} on XX/XX/2023. Additionally, he stated that the judgment and filing from today will be canceled. 

On my second contact, on XX/XX/2023, I spoke with three different representatives, who informed me that the payment had not been received and credited to my account and that a payment plan for two installments of {$580.00} had still been established. These representatives seem to have given me different information about my account and yesterday 's events. I request to talk with a supervisor after being transferred. The team lead or supervisor who called me was very unprofessional, talked over me when I was asking a question, and the call never progressed. 

I would prefer a resolution to this issue because I do not want to be sued because of the XXXX XXXX that made it difficult for me to pay my obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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: Lendmark Financial Services
State: PA

Complaint narrative:
The company XXXX XXXX  is hosting an account that had been paid in full; but continues to host an open account as past due, The companys name is Lendmark financial services.This is defaming my character as it displaying inaccurate, and invalid information on a public profile preventing me from obtaining any new lines of credit etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2023-05-26 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:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST PORTFOLIO SERVICING INC
State: AL

Complaint narrative:
Subject : Request for Immediate Update of Current Balance to Credit Bureaus Dear Revvi Credit Card Company, I hope this letter finds you well. I am writing to request your prompt assistance in updating the current balance on my Revvi credit card account to all three major credit bureaus : XXXX, XXXX, and XXXX. This request is of utmost importance to me as I am currently in the process of securing a loan, and having the most accurate and up-to-date credit information is crucial. 

I recently made a payment towards my Revvi credit card account, and I kindly ask that you take immediate action to report this payment to the aforementioned credit bureaus. It is my understanding that the credit bureaus update their records periodically, but I would greatly appreciate it if you could expedite this process given the time-sensitive nature of my loan application. 

Please find below the details pertaining to my Revvi credit card account : Account Holder Name : XXXX XXXX Account Number : XXXX Current Balance : XXXXXXXX  Date of Payment : XX/XX/XXXX  I understand that credit reporting is a standard procedure, and I am aware of the importance of accurate credit information. By updating the current balance promptly, you will not only assist me in securing my loan but also ensure the overall accuracy and reliability of my credit profile. 

If there are any additional forms or documentation required to facilitate this process, please do not hesitate to inform me. I am more than willing to provide any necessary information to expedite the update. 

I sincerely appreciate your attention to this matter and your commitment to customer satisfaction. I kindly request that you confirm in writing once the current balance has been reported to XXXX, XXXX, and XXXX. Your swift response and cooperation in this regard will be greatly appreciated. 

Thank you for your prompt attention to this matter. I look forward to a positive resolution and continued excellent service from Revvi Credit Card Company. 

Yours faithfully,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On XX/XX/XXXX I received an email saying an order was picked up and my credit card was charged. I did not place an order and I was not even in the same state as the pickup location. 
I called immediately to dispute this. 
The card 's automated system kept going in circles and would not let me speak to a person, nor would it transfer me to the correct department of the button I was pressing. It asked for my social about 6 times. 
This company offers NO option to dispute a charge online, only to print a document and mail a physical copy. 
I was finally able to speak to a person after more than 2 hours of holding and transfers and calling back after disconnects. This person guaranteed me that the charge was removed the same day it was added, although I requested written confirmation of this and they declined. 
It is XX/XX/XXXXXXXX  and the charge is still there. 
I am absolutely sick of these fraudulent companies taking advantage of people who don't want to wait on hold for half a day. " I apologize for the inconvenience '' - this isn't inconvenience, this is THEFT. 
Upon calling back, they had NO RECORD of any phone calls from XXXX or ever. They gave me COMPLETELY different information about " the process '' and without my permission CLOSED THE ENTIRE ACCOUNT so now I can't use it at all - and this is an account that I use frequently for personal and business so the 5 % discount is substantial. 
The way Synchrony handles this is absolutely shameful and absurd and can only be designed to make people give up by frustration - these practices should be illegal.

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 2023-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
it is deeply unjust that I am now facing consequences for something that is beyond my control. I kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress.

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