vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-21 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
This is against Synchrony Bank as representatives of Care Credit and JC Penney 's. In XXXX, XXXX, I paid my JC Penney 's account in full ; Synchrony immediately closed the account although it was an account in good standing. They did the same thing as a representative of Care Credit in XXXX, XXXX. Not long after arbitrarily closing the JC Penney 's account, Care Credit through Synchrony Bank issued a credit line of {$1000.00} to me ; they subsequently arbitrarily reduced the line to {$530.00} ( the approximate outstanding balance ) in XXXX, XXXX, although the account is in good standing. These actions serve to negatively affect my credit scores with all 3 credit reporting bureaus. These entities should not be able to arbitrarily take such action with the end effect of wreaking havoc on my credit scores. These have taken similar actions against accounts in my husband 's and daughter 's names, both of which come out of the same budget and household income, separate complaints for which are being filed simultaneously herewith.

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 2024-07-21 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I live in XXXX Texas and my home was hit Directly by the XXXX tornado on XXXX XXXX this year. We lost our entire fence, part of roof, Central A/C destroyed. I made a purchase on my home depot card and it was approved to purchase a window unit so we can survive the heat. The next day my order was cancelled and I called to see what was going on. They were very nice and said they would get it sent to me. It was never sent to me and I started to complain. They got mad at me and lowered my credit the exact amount of that A/C Unit so that I would not purchase it. Synchrony is in charge of all of these cards and I had 4 other synchrony cards, Walgreens, Lowes, Home Depot, XXXX XXXX, XXXX. The next day I check my other cards and they had closed all of my accounts and lowered all credit limits without giving me any notification. The knew I was going through a natural disasters and that we are protected under FEMA and t hey did not care. I tried to get the media involved. This is direct targeting from Synchrony. I have never made a late payment even once... They saw I needed to use a lot of credit due to the storm and they removed it even thought they were " acting like they were helping me the entire time '' My credit score has gone down XXXX points due to this. I need to know what steps can be taken because I never received any notification about credit limits going down. THEY WERE DIRECTLY TARGETING ME. PLEASE HELP!

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 2024-07-21 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
In XXXXXXXX XXXX I paid my XXXX XXXX 's account in full ; XXXX XXXX 's through Synchrony immediately closed the account although it was an account in good standing. This action serves to negatively affect my credit scores with all XXXX credit reporting bureaus. XXXX XXXX 's, individually or through Synchrony Bank, should not be able to arbitrarily take such action with the end effect of wreaking havoc on my credit scores. These have taken similar actions against accounts in my husband 's and daughter 's names, both of which come out of the same budget and household income, separate complaints for which are being filed simultaneously herewith.

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 2024-07-21 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
as per the guidance from the consumer financial protection bureau the documents needed are identification, XXXX and letter from advocacy group helping me due to XXXX XXXX debt XXXX which falls under trafficking according to trafficking debt final rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ) i kindly request that you block this information from my credit report within XXXX business days pursuant to section XXXX of the fair credit reporting act i have giving you my identification as well as the information requested from the list off acceptable items which only XXXX are requested per the law i have provided all needed documents as well as a victim determination letter according to XXXX ( b ) ( 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 2024-07-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I applied for a new policy for my home insurance. That policy would be effective XX/XX/XXXX through XX/XX/XXXX. The mortgage company used my escrow to pay XXXX  ' Insurance ( POLICY NUMBER : XXXX Effective Date : XX/XX/XXXX Expiration Date : XX/XX/XXXX ). in XX/XX/XXXX I checked my escrow and saw that the mortgage company paid another homeowner insurance because they didn't see that my house was insured. Now I end up paying XXXX insurances for the same house. 
I called the mortgage company which is XXXX XXXX, and the customer service that I spoke to told me my policy with XXXX XXXX XXXX was canceled. She can't tell me what happened to the money that the mortgage company paid XXXX. When I contacted XXXX, they said " No my insurance is valid until XX/XX/XXXX ''. XXXX customer service gave me an email to send a letter to prove that I have insurance but can not provide the telephone number because they don't speak to clients, just by email. It's doubtful, it is a scam. XXXX XXXX XXXX is charging an extra {$XXXX} monthly to cover the shortage for the XXXX insurance. That is really a scam, fraud by a mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: MO

Complaint narrative:
XX/XX/2023 I noticed some things incomplete and not accurate and according to the FCRA whenever a consumer reporting agency prepares a consumer report is shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates all rights : XXXX XXXX XXXX Acct # XXXX Date account was open, date last active, payment history, date last payment was received, company also received payoff from gap insurance that they reported as a write off, the initial loan amount. Nothing about this account is accurate.

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 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: SUNRISE CREDIT SERVICES, INC
State: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts.Sunrise credit service {$1900.00}

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 2024-07-21 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, KY XXXX Date Of Birth : XXXX Social Security : XXXX Email : XXXX XXXX, XXXX XXXX Experian Date : XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
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.

Items listed above, have 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 ( AN ( 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.

Remove Following Non-Mailing Addresses listed that doesnt belongs to me : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company.

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 2024-07-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
Mohela inappropriately coerced many into early recertification of income, despite federal guidance. My plan was inappropriately changed from the Pay as You Earn Plan ( PAYE ) to a standard repayment plan following my recertification. Following federal guidance about recertification and payments reverting to previous amounts ( https : //studentaid.govXXXX XXXX, I called Mohela in XXXX, XXXX, XXXX, and XXXX to ask that they 1 ) place me back on my requested IDR plan ( PAYE ) AND to revert payments back to amount paid in XX/XX/2024, again, per federal guidance. Each phone call, I was assured that these errors would be fixed in a timely fashion. Six months later, no change has been made on my account regarding either of these errors. These errors significantly impact my chance of achieving public service loan forgiveness, and immediate attention would be so appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report managed by Transunion. On XX/XX/year>, I sent a request for verification letter to Transunion, which was received by their office. According to the Fair Credit Reporting Act ( FCRA ), Credit Reporting Agencies are obligated to investigate and resolve disputes within 30 days. As of today, XX/XX/year>, over 30 days have passed since Transunion received my dispute, and I have not received any response or resolution from them. Given this delay, all disputed items must be deleted from my consumer report immediately as per the FCRA regulations. I kindly request the CFPB to assist in ensuring Transunion complies with the legal requirements and rectifies this matter promptly. Please find attached copies of my original dispute letter and the receipt confirmation from Transunion. Thank you for 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
Consumer complaint received 2024-07-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I am submitting this complaint to formally notify FXXXX XXXX XXXX XXXX to cease all communication with me regarding the debts associated with XXXX that have been charged off and claimed as income on taxes. These debts have been reported as income to the IRS, and therefore, they are no longer considered debts. In accordance with 15 U.S. Code 1692c ( c ), I am exercising my right under the Fair Debt Collection Practices Act ( FDCPA ) to request that all communications regarding these accounts cease immediately. This includes any communication through third-party companies, such as reporting agencies. 

The continued reporting and communication regarding these charged-off accounts are not only unwarranted but also a violation of my rights under the FDCPA. I request that the Consumer Financial Protection Bureau ( CFPB ) ensure compliance with this legal requirement and prevent any further unlawful communication from the debt collector or any affiliated third-party companies.

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 2024-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX  XXXX Date Of Birth : XX/XX/XXXX Social Security : XXXX Phone number : XXXX Email : XXXX TransUnion, XXXX XXXX XXXX Date : XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
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. Items listed above, have 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 an 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 ( AN ( 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. 
Remove Following Non-Mailing Addresses listed that doesnt belongs to me : - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Remove Fraudulent Accounts Listed Below : - Account Name : XXXX XXXX XXXX XXXX XXXX Account Type : Open, Account Type : Secured credit card, Date Opened : XXXX. XXXX, XXXX ( XXXX mos ), Balance : {$1600.00} - Account Name : XXXX XXXX XXXX XXXX KY Account Type : Charge off, Account Type : Deposit Related, Date Opened : XXXX. XXXX, XXXX ( XXXX mos ), Balance : {$110.00} Remove Fraudulent Inquiries listed below : - XXXX XXXX XXXX, Automobile Dealers. Used, XX/XX/XXXX, XXXX - XXXX XXXX XXXX XXXX XXXX. Used, XX/XX/XXXX, XXXX - XXXX ACCEPTANCE, Auto Financing companies, XX/XX/XXXX, XXXX - XXXX ACCEPTANCE, Auto Financing companies, XX/XX/XXXX, XXXX - XXXX, Personal Loans companies, XX/XX/XXXX, XXXX - XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX - XXXX XXXX VIA DEALER, Auto financing, XX/XX/XXXX, XXXX - XXXX XXXX XXXX, Auto financing, XX/XX/XXXX, XXXX - XXXX XXXX VIA DEALER, Auto financing, XX/XX/XXXX, XXXX FCRA XXXX Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA XXXX XXXX & XXXX. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter XXXX result in a small claims action against your

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 2024-07-21 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: KY

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX  XXXX Date Of Birth : XX/XX/XXXX Social Security : XXXX Phone number : XXXX Email : XXXX XXXX, Equifax XXXX XXXX Date : XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
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. Items listed above, have 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 an 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 XXXX years. 
15 U.S.C. 1681s-2 ( AN ( 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. 
Remove Following Non-Mailing Addresses listed that doesnt belongs to me : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Remove Fraudulent Accounts Listed Below : - Account Name : XXXX XXXX XXXX XXXX KY Account Type : Open, Account Type : Secured credit card, Date Opened : XXXX. XXXX, XXXX ( XXXX mos ), Balance : {$1600.00} - Account Name : XXXX XXXX XXXX XXXX KY Account Type : Charge off, Account Type : Deposit Related, Date Opened : XXXX. XXXX, XXXX ( XXXX mos ), Balance : {$110.00} Remove Fraudulent Inquiries listed below : XXXX XXXX  XXXX XXXX, Automobile Dealers. Used, XX/XX/XXXX, XXXX - XXXX XXXX XXXX XXXX XXXX. Used, XX/XX/XXXX, XXXX - XXXX ACCEPTANCE, Auto Financing companies, XX/XX/XXXX, XXXX - XXXX ACCEPTANCE, Auto Financing companies, XX/XX/XXXX, XXXX - XXXX, Personal Loans companies, XX/XX/XXXX, Equifax - XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX - XXXX XXXX VIA DEALER, Auto financing, XX/XX/XXXX, Equifax - XXXX XXXX XXXX, Auto financing, XX/XX/XXXX, Equifax - XXXX XXXX VIA DEALER, Auto financing, XX/XX/XXXX, Equifax FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
unfortunately, I am a victim of XXXX XXXX of XXXX bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to XXXX ( b ) ( 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