vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-25 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:
PERSONAL STATEMENT - CFPB I am writing to dispute fraudulent information on my credit report under 15 U.S.C. 1681c-2 and request that this information be blocked. I have enclosed a copy of my Police Report and FTC Identity Theft Report ( FTC Report Number : XXXX ) to support my claim of identity theft. According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block the identified fraudulent information within four business days. 
The following information on my credit report is the result of identity theft and must be blocked immediately : XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX. XXXX INQUIRIES : XXXX XX/XX/2024 As required by law, this information should be blocked for one year, at which point I may request an extension of the block. During the block period, you are prohibited from reporting these accounts unless you have verified that my report no longer contains fraudulent information. 
I have contacted the credit bureau multiple times to report these fraudulent accounts, but no resolution has been provided. This has severely impacted my ability to purchase a home for my children. It is especially concerning that other credit bureaus have removed these collections after determining they were fraudulent, yet this bureau continues to claim that these accounts belong to me. 
Additionally, I have requested contracts from the company in question that supposedly opened these accounts using my information. Despite more than 60 days passing, I have not received any response. This lack of action further supports my claim that these accounts are not legitimate. 
I respectfully request your immediate assistance in deleting these accounts and any related inquiries from my credit report. I have enclosed the FTC report for your reference and trust that this matter will be handled with urgency. 
RESOLUTION REQUESTED : Please delete these fraudulent accounts and inquiries immediately. 
Thank you for your time and attention to 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 2024-11-25 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: CA

Complaint narrative:
I checked my credit report today and I noticed an account in collections on my credit that I have no knowledge of and did not authorize, the account in question is for a phone line someone opened under my name that is now in collections, XXXX XXXX # XXXX, the collections agency is XXXX XXXX XXXX, the account was opened it says on XXXX oXXXX XXXX the amount its for is {$2400.00}. 
Please remove this account from my credit ASAP I have also obtained an FTC report for Identity Theft.

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 2024-11-25 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: CA

Complaint narrative:
I checked my credit report today and I noticed an account in collections on my credit that I have no knowledge of and did not authorize, the account in question is for a phone line someone opened under my name that is now in collections, XXXX XXXX # XXXX, the collections agency is XXXX XXXX XXXX, the account was opened it says on XXXXXXXX XXXX XXXX the amount its for is {$2400.00}. 
Please remove this account from my credit ASAP I have also obtained an FTC report for Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I was explicitly told that there would be no mortgage payments taken from my account for XXXX or XXXX. At the same time I was asked if I would mind paying XXXX of the closing fees ~ $ XXXX to the notary when signing. I asked again if I would be charged my normal mortgage payment in XXXX and once confirmed that I wouldnt I agreed to pay the $ XXXX. 

I checked my bank account and realised that they had in-fact taken the XXXX payment so now Im down that ( $ XXXX ) plus the fees. 

When I queried why the payment was taken I was told that it was because I had automatic payments set up I was never informed to stop the automatic payments set. I was told that the money would be refunded. I was told that I would be receiving ~ $ XXXX back, when I questioned why it was $ XXXX less that what was taken I was past off to another department to do the digging myself. 

20 days have now gone by and I still dont have a refund for the money taken. Every time I email to find out what is happening I get told it is in process. I feel like Im not getting anywhere and Im still out $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
KINDLY HELP ME. I'M GETTING STRESSED UP EVERY TIME I SEE THESE FRAUDULENT BANKRUPTCY RECORD. I WANT THESE TO BE PERMANENTLY REMOVED OFF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX XXXXC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-11-25 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I'm writing to formally express my dissatisfaction with the Amazon Store Card issued by Synchrony Bank. Contact Details : Main Office : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX ; Billing Inquiries : XXXX XXXX XXXX, XXXX, FL XXXX ; Customer Service Phone XXXX XXXXXXXX  
Background : I was issued the Amazon Store Card after accepting Amazon 's offer to open a credit card. Unlike my husband, who received a more suitable card option with XXXX XXXX, I was assigned a Synchrony Bank card with a {$400.00} credit limit, which is unreasonably low given my excellent credit standing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). For context, the lowest credit limit on any other card I hold is {$7500.00}. 
Issues Encountered : Unreasonable Credit Limit : This credit limit negatively affects my credit utilization ratio and has likely harmed my credit score.

Payment Processing and Negative Balance : I set up autopay, and a payment was successfully withdrawn from my account on XX/XX/2024, paying off my balance in full. 
On XX/XX/XXXX and XX/XX/XXXX, I placed orders on Amazon, believing my account balance was cleared, and a new billing cycle had started. 

Today, on XX/XX/XXXX, my Amazon purchase was denied. Upon reviewing my Synchrony account, I discovered an unexplained XXXX XXXX  balance, despite my payment being made over a week ago. This has never happened with any other card in my financial history. 
Unhelpful Customer Service : I spent over two hours with customer service agents who were dismissive and failed to offer a resolution. I was told the funds would be released in a few hours, which is unacceptable. 
Lost Cashback Rewards Due to Card Limit : Because of the unreasonably low {$400.00} credit limit, I had to use my XXXX XXXX card ( with a {$15000.00} limit ) for Amazon purchases over the past month, spending {$430.00}. The Amazon card had promised 5 % cashback, which would have earned me {$21.00}. I lost this amount due to Synchrony Banks failure to provide an adequate credit limit. 
Demands : Conduct an immediate investigation into Synchrony Banks handling of my account, particularly the unexplained negative balance and delayed posting of the autopayment. 
Adjust my credit line to better reflect my creditworthiness. 
Provide reimbursement for any impact on my credit score due to Synchrony Banks errors. 
Compensate me for the lost cashback rewards, including the {$21.00} missed due to the inadequate credit limit. 
Issue a formal apology for the inconvenience caused. 
I trust that this matter will be resolved promptly to avoid further escalation. Please confirm in writing the actions you plan to take to address this complaint. 

Sincerely, 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 monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: NC

Complaint narrative:
The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-11-25 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: OH

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2, and I am requesting that this information be blocked immediately. Enclosed, please find a copy of my Police Report/FTC Identity Theft Report with reference number FTC REPORT XXXX : XXXX, which supports my identity theft claim. 
Under Section 1681c-2 of the FCRA, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four business days. The information listed below is the result of identity theft and must be blocked : XXXX XXXX XXXX XXXX  o Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: OH

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2, and I am requesting that this information be blocked immediately. Enclosed, please find a copy of my Police Report/FTC Identity Theft Report with reference number FTC REPORT XXXX : XXXX, which supports my identity theft claim. 
Under Section 1681c-2 of the FCRA, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four business days. The information listed below is the result of identity theft and must be blocked : 1. XXXX XXXX XXXX o Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Credit Control, LLC
State: NY

Complaint narrative:
I believe the following accounts are invalid. CREDIT CONTROL , LLC DBA CREDIT CONTROL XXXX XXXX XXXX XXXX needs to verify under oath that these claim are valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged accounts were transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the accounts to be removed from my credit & their records. CREDIT CONTROL , LLC DBA CREDIT CONTROL XXXX XXXX XXXX XXXX or 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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I was shocked to discover an account on my credit report that is either entirely incorrect or completely unrelated to me. This glaring error has already caused substantial harm to my credit score and could have even broader negative consequences on my financial life.

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 2024-11-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I am writing to formally request a refund in the amount of {$75.00} for my Pay Later loan account. This refund has been due to me since XX/XX/year>. 

Despite my patience, the delay in processing this refund is unacceptable. Synchrony Bank is prompt in sending threatening phone calls and harassing certified letters when payments are due, yet it seems unable to extend the same efficiency to returning funds owed to its customers. 

I trust that Synchrony Bank will act with the urgency and professionalism expected in this matter. Kindly confirm receipt of this complaint and provide a timeline for when I can expect my refund. 

Thank you for your prompt attention to this issue.

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing a formal complaint against Equifax for their continued reporting of inaccurate and unauthorized information on my credit report. The account in question ( Account Number : XXXX ) contains errors that I have disputed multiple times, yet no action has been taken to correct or remove it. This inaccurate and unauthorized information is unfairly damaging my credit score and providing misleading data to potential lenders, which is directly affecting my financial opportunities. 

Despite reaching out to both Equifax and the company responsible for the account on several occasions, no resolution has been achieved. This repeated inaction is unacceptable and has caused me ongoing financial harm and frustration. It is my right as a consumer to have accurate information reflected on my credit report, and I expect this to be addressed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation