vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-22 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
My husband and I bought a couch set from rooms to go in XXXX of XXXX. We split the purchase since rooms to go provided us with a refund through our warranty but that was credited to his account since the sale generating the refund was done by him-my husband XXXX XXXX XXXX 
In XX/XX/XXXX I got a notification that my own rooms to go store credit card was over the limit which is literally not possible since at the time of purchase only available funds on the account could go towards the purchase. 
This caused my credit score to drop immediately I called rooms to go explaining the situation that they overcharged my account but only got sent around and round in circles from one manager to the next. 
I took it a step further and contacted synchrony who informed me that they see the mistake but would need rooms to go to validate and update on their end so it can be reflected in their systems. 
I waited 6 weeks and nothing happened. Just promises to follow up with me. 
I went in the stores - Rooms To Go XXXX XXXX XXXX XXXX  and rooms to go on XXXX XXXX XXXX. 
I spoke with the managers there as well as had a conversation with a synchrony rooms to go representative while in the store and explained everything again. 
The representative Stated he was not able to provide me with a transcript of the call but they have logged the case and will begin investigating. 
Because of the overcharge I could no longer afford the monthly minimum although I continued to make payments at the time. 
More time went by and no one followed up I have written proof from a manager at the store admitting that they did overcharge me and was instructed to follow up with a XXXX  manager who never got back to me. 
Efforts with synchrony bank were wasted as they refused to provide me with detailed accounts of each transaction and pay, eng to the account to help establish the errors. They also did not do their due deligence in validating the errors on my credit reports and fixing my account. 
They have closed the account and I am still, a year later dealing with this mess and no I do not qualify for anything. 
I have retained a consumer lawyer- XXXX XXXX XXXX XXXX XXXX from the XXXX XXXX XXXX XXXX XXXX 
Phone number XXXX since XX/XX/XXXX but they are still getting push backs and nothing has been done yet. This is significantly derailing my mental health and my familys well being and I am asking that this debt be correctly validated with proof-my signatures next to each purchase everything, how they came up with all their values and fees and if not all my credit reports need to be corrected and updated and all derogatory remarks removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I'm continually receiving emails from a debt collector agency called Resurgent Capital Services, for debt that isn't mine. 

They disclose someone else 's name, how much they owe, their account number and everything. They've reached out multiple times.

I read on the FTC website that debt collectors aren't supposed to share any of those details unless they're certain they're emailing the person with the debt or that person 's spouse. I am neither!

Just wanted to make people aware that your sensitive information is being shared.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Finance Company, Inc.
State: NC

Complaint narrative:
I requested a copy of the amount they say I owe. They did not provide this. They have added this debt to my credit report for XXXX. I have paid what debt they say I owe below XXXX. This should not be on my credit report. This action by this company of adding collections to my credit has affected my ability to obtain housing and could also affect my employment. I have been making regular payments to try and satisfy this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: WA

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: IN

Complaint narrative:
As audit has occurred notice of unauthorized transactions. 
Transactions include XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX Total = {$6500.00} Account will be getting closed to further investigate

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Weber & Olcese, PLC
State: MI

Complaint narrative:
On XX/XX/2024 I received a letter from my bank ( XXXX XXXX XXXX that my funds have been frozen by a debt collector ( Weber & Olcese ). The funds in that account are solely from Social Security, as I receive XXXX benefits. Them funds are not Garnishable unless its from the Government. My right as a Consumer have been VIOLATED. Both by XXXXXXXX XXXX for not telling the debt collector my funds are protected and solely come from Social Security as a direct deposit. The funds so far frozen total {$460.00}, that I now have no access to. Tomorrow I am going to the court house to request a hearing with the judge, explaining my XXXX funds are non-garnishable, and request the funds be released immediately. If the debt collector had asked for proof from me as to this account and where funds come from I would have sent to them but they never asked me. I have sent so far 2 payments to debt collector XXXX $ in XXXX and another XXXX $ for XXXX so far and will continue to send till I die. This should be punishable to both the bank and debt collector for violating my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My husband and I bought a couch set from XXXX XXXX XXXX in XXXX of XXXX. We split the purchase since XXXX XXXX XXXX provided us with a refund through our warranty but that was credited to his account since the sale generating the refund was done by him-my husband XXXX XXXX XXXX 
In XX/XX/XXXX I got a notification that my own XXXX XXXX XXXX store credit card was over the limit which is literally not possible since at the time of purchase only available funds on the account could go towards the purchase. 
This caused my credit score to drop immediately I called XXXX XXXX XXXX  explaining the situation that they overcharged my account but only got sent around and round in circles from one manager to the next. 
I took it a step further and contacted XXXX  who informed me that they see the mistake but would need rooms to go to validate and update on their end so it can be reflected in their systems. 
I waited 6 weeks and nothing happened. Just promises to follow up with me. 
I went in the stores XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
I spoke with the managers there as well as had a conversation with a XXXX XXXX XXXX XXXX representative while in the store and explained everything again. 
The representative Stated he was not able to provide me with a transcript of the call but they have logged the case and will begin investigating. 
Because of the overcharge I could no longer afford the monthly minimum although I continued to make payments at the time. 
More time went by and no one followed up I have written proof from a manager at the store admitting that they did overcharge me and was instructed to follow up with a XXXX  manager who never got back to me. 
Efforts with XXXX XXXX were wasted as they refused to provide me with detailed accounts of each transaction and pay, eng to the account to help establish the errors. They also did not do their due deligence in validating the errors on my credit reports and fixing my account. 
They have closed the account and I am still, a year later dealing with this mess and no I do not qualify for anything. 
I have retained a consumer lawyer- XXXX XXXX XXXX XXXX XXXX from the XXXX XXXX XXXX XXXX XXXX 
Phone number XXXX since XX/XX/XXXX but they are still getting push backs and nothing has been done yet. This is significantly derailing my mental health and my familys well being and I am asking that this debt be correctly validated with proof-my signatures next to each purchase everything, how they came up with all their values and fees and if not all my credit reports need to be corrected and updated and all derogatory remarks removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 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: FL

Complaint narrative:
My husband and I bought a couch set from XXXX XXXX XXXX in XXXX of XXXX. We split the purchase since rooms to go provided us with a refund through our warranty but that was credited to his account since the sale generating the refund was done by him-my husband XXXX XXXX XXXX 
In XX/XX/XXXX I got a notification that my own XXXX XXXX XXXX  store credit card was over the limit which is literally not possible since at the time of purchase only available funds on the account could go towards the purchase. 
This caused my credit score to drop immediately I called rooms to go explaining the situation that they overcharged my account but only got sent around and round in circles from one manager to the next. 
I took it a step further and contacted XXXX who informed me that they see the mistake but would need rooms to go to validate and update on their end so it can be reflected in their systems. 
I waited 6 weeks and nothing happened. Just promises to follow up with me. 
I went in the stores - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I spoke with the managers there as well as had a conversation with a XXXXXXXX XXXX XXXX XXXX representative while in the store and explained everything again. 
The representative Stated he was not able to provide me with a transcript of the call but they have logged the case and will begin investigating. 
Because of the overcharge I could no longer afford the monthly minimum although I continued to make payments at the time. 
More time went by and no one followed up I have written proof from a manager at the store admitting that they did overcharge me and was instructed to follow up with a XXXX  manageXXXX who never got back to me. 
Efforts with XXXX XXXX  were wasted as they refused to provide me with detailed accounts of each transaction and pay, eng to the account to help establish the errors. They also did not do their due deligence in validating the errors on my credit reports and fixing my account. 
They have closed the account and I am still, a year later dealing with this mess and no I do not qualify for anything. 
I have retained a consumer lawyer- XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXXPhone number XXXX since XX/XX/XXXX but they are still getting push backs and nothing has been done yet. This is significantly derailing my mental health and my familys well being and I am asking that this debt be correctly validated with proof-my signatures next to each purchase everything, how they came up with all their values and fees and if not all my credit reports need to be corrected and updated and all derogatory remarks removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: FL

Complaint narrative:
My husband and I bought a couch set from XXXX XXXX XXXX in XXXX of XXXX. We split the purchase since rooms to go provided us with a refund through our warranty but that was credited to his account since the sale generating the refund was done by him-my husband XXXX XXXX XXXX 
In XX/XX/XXXX I got a notification that my own XXXX XXXX XXXX store credit card was over the limit which is literally not possible since at the time of purchase only available funds on the account could go towards the purchase. 
This caused my credit score to drop immediately I called rooms to go explaining the situation that they overcharged my account but only got sent around and round in circles from one manager to the next. 
I took it a step further and contacted synchrony who informed me that they see the mistake but would need rooms to go to validate and update on their end so it can be reflected in their systems. 
I waited 6 weeks and nothing happened. Just promises to follow up with me. 
I went in the stores - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I spoke with the managers there as well as had a conversation with a XXXX XXXX XXXX XXXX representative while in the store and explained everything again. 
The representative Stated he was not able to provide me with a transcript of the call but they have logged the case and will begin investigating. 
Because of the overcharge I could no longer afford the monthly minimum although I continued to make payments at the time. 
More time went by and no one followed up I have written proof from a manager at the store admitting that they did overcharge me and was instructed to follow up with a XXXX  manager who never got back to me. 
Efforts with XXXX XXXX  were wasted as they refused to provide me with detailed accounts of each transaction and pay, eng to the account to help establish the errors. They also did not do their due deligence in validating the errors on my credit reports and fixing my account. 
They have closed the account and I am still, a year later dealing with this mess and no I do not qualify for anything. 
I have retained a consumer lawyer- XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX 
Phone number XXXX since XX/XX/XXXX but they are still getting push backs and nothing has been done yet. This is significantly derailing my mental health and my familys well being and I am asking that this debt be correctly validated with proof-my signatures next to each purchase everything, how they came up with all their values and fees and if not all my credit reports need to be corrected and updated and all derogatory remarks removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: FL

Complaint narrative:
RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 


XXXX. XXXX XXXX  XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX  XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX - XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX - XX/XX/year> Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

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