vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I attempted to use my Sams master credit card in the store today ( XX/XX/year> ) and I was unable to use it to make a purchase. Therefore, I called customer services and I was informed that my card was closed yesterday and that I should be receiving a letter in the mail because the representative was unable to explain why. I have never been late on this card and would pay my balance off in full majority of the time every month. A couple of hours later I received an email from the company because I informed the representative that I was going to make a complaint. Closing a customer credit card or making any negative changes to their account without any prior notice is extremely unprofessional, embarrassing, and should be unethical. What is this way to resolve this issue? Closing an account will have a negative impact on my credit score, which is unfair to me since my account has always been in good standing, paid on time, and I did not request for the account to be close.

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 2024-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Monterey Financial Services LLC
State: NJ

Complaint narrative:
I have made a complaint earlier today against this creditor attempting ILLEGALLY to collect on an alleged ( fraudulent ) claim. My complaint number is XXXX. I am applying for approval for an apartment. I sent application yesterday XX/XX/year> and paid application fee of {$47.00}. My agent just texted me that the credit report brought back the following : XXXX XXXX XXXXXXXX Originally : The XXXX XXXX XXXX is reporting on my credit bureau as " In collections ''. It states further : " XXXX XXXX XXXX Attorney : XXXX XXXX XXXX Deed for collateral in lieu of foreclosure on a defaulted mortgage : XXXX XXXX received Deed for Collateral in lieu of Foreclosure on a defaulted mortgage ; dispute resolved- Consumer Disagrees '' This collector/ agency/company : Apex Studio, XXXXXXXX XXXX XXXX Originally : XXXX  XXXX XXXX XXXX is putting fraudulent information on my credit report that is unfounded, wrong, illegal, inaccurate, against the Fair Reporting Act, against Federal consumer laws, against all my rights. I do not owe them first of all. I have reported them and this complaint to CFPB ( earlier today- please refer to complaint ID number ) And I am still learning of how they continue to damage my credit report. they were not listed 2 months ago. My credit score dropped from XXXX to currently XXXX. They are damaging my credit file, and my score. They are damaging my credibility as a reliable renter. they are challenging my livelihood and costing me money ; directly ad indirectly. I can not qualify for state home grants with a low score of XXXX. 

They are claiming this dispute is resolved. It is not. they are making false claims on my report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: FL

Complaint narrative:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I will certainly be entitled to under FCRA Section 616 and Section 617 regarding your continued willful and negligent noncompliance. I am a victim of identity theft Therefore, I hereby ONCE AGAIN demand that you immediately delete the fraudulent accounts listed below, which are a result of Identity Theft : FRAUDULENT ACCOUNTS TO BE DELETED : XXXX  Account # XXXX Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 
XXXX XXXX  XXXX Account # XXXX Fraudulently Opened on XX/XX/XXXX. ( 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 2024-06-09 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: TX

Complaint narrative:
I disputed an incorrect bankruptcy listing with this company. They claimed it was verified by XXXX. I contacted XXXX, which investigated and deleted the incorrect information. I then provided Experian with a letter from XXXX confirming the deletion. However, Experian continues to state that the bankruptcy is verified by 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 2024-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: GA

Complaint narrative:
I have received a letter from the Stillman Law Office to collect a debt I know nothing about. I have no idea who this XXXX  is or what he/she supposedly treated me for. Theres no date of service and no explanation of care I supposedly received. The letter we received says, As of XX/XX/year> you owe XXXX. Again, theres no specific details or date. If it were valid, I feel I should have received a bill from the provider first, but we have no such bill and again, I dont know this provider at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: FL

Complaint narrative:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I will certainly be entitled to under FCRA Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests sent via Certified Mail, the fraudulent items listed below still remain on my credit report in violation of Federal Law. I am a victim of identity theft, which has resulted in negative and false information being placed on my credit report. According to the Fair Credit Reporting Act Section 605 ( b ), you are required by Federal Law to delete ALL accounts resulting from Identity Theft within a maximum of 4 Business Days from the receipt of a Police Report and/or Fraud Affidavit. THIS IS A REQUIREMENT, AND NOT AN OPTION. 

Therefore, I hereby ONCE AGAIN demand that you immediately delete the fraudulent accounts listed below, which are a result of Identity Theft : FRAUDULENT ACCOUNTS TO BE DELETED : XXXX  Account # XXXX Fraudulently Opened on XX/XX/year>. ( Identity Theft! ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: IL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Experian will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXXXXXX  Account # 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 2024-06-09 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: TX

Complaint narrative:
I submitted paperwork according to the FCRA to remove fraudulent accounts from my credit report. The FTC report and other paperwork is not being attached to my disputes properly according to the FCRA. I am not getting copies of the verification process which is a violation of the FCRA These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I have reached out to the credit agencies numerous times to update my personal information and I have not had any success because nothing has been updated so I am reaching for help. To verify my identity I have enclosed a copy of my ID with my correct address I also upload my social and bill

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 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have reached out to the credit agencies numerous times to update my personal information and I have not had any success because nothing has been updated so I am reaching for help. To verify my identity I have enclosed a copy of my ID with my correct address I also upload my social and bill

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 2024-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: NEW YORK COMMUNITY BANCORP INC
State: MI

Complaint narrative:
Investigation report fabricated by Flagstar bank located in XXXX XXXX area investigation was not thoroughly investigated upon investigation for aggregations of me taking money out of ATM evidence shown it was not me as well as the one who Deposit checks fail to follow through investigation and result close account was disputing a return of {$10000.00} credit in terms of bank statement ending XXXX XXXX XXXX XXXXXXXX locations branch XXXX XXXX XXXX XXXX mi XXXX I am demanding a full investigation of results and a return of credited bank statement back upon investigation

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 2024-06-09 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: TX

Complaint narrative:
I submitted paperwork according to the FCRA to remove fraudulent accounts from my credit report. The FTC report and other paperwork is not being attached to my disputes properly according to the FCRA. I am not getting copies of the verification process which is a violation of the FCRA These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-06-09 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: NY

Complaint narrative:
I disagree with the account listed bellow which still appears on my credit report, even after your investigation. I would this immediately re-investigated. the inaccuracies are highly injurious to my credit score. 

EXPERIAN : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in accordance with The Fair Credit Report Act, Public law 91-506, Title VI, Section 611.

Please provide the names business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.

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 2024-06-09 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: WI

Complaint narrative:
I recently obtained a copy of my most recent credit report, as I was reviewing the content of my report I noticed some very inaccurate and amiss information. It seems that my credit profile has been compromised by someone knowingly or unknowingly using my personal information. I, being a natural person and very aware that consumer reporting agencies need written instructions by I, THE CONSUMER to furnish a consumer report. Without written instruction, this consumer reporting agency has committed fraud by using my identifying information without lawful authority to furnish this information on my consumer report. By definition, XXXX has committed identity theft. This is a violation of 15 USC 1681b ( a ) ( 2 ).

1. Under 15 U.S. Code 1681b Permissible purposes... 
XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S. Code 1681b Permissible purposes... 
XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please delete this from my credit report immediately XXXX. THIS IS A VIOLATION OF 15 USC 1681b ( a ) ( 2 ) please provide me written instructions that I the consumer gave you authorization to furnish this information. If you can not provide me these instructions written by me prior to this notice then thaXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX PLEASE DELETE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY 5. Under 15 U.S. Code 1681b Permissible purposes... 
XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S. Code 1681b Permissible purposes... 
XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. THIS IS A VIOLATION OF 15 USC 1681b ( a ) ( 2 ) please provide me written instructions that I the consumer gave you authorization to furnish this information. If you can not provide me these instructions written by me prior to this notice then that XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately XXXX. THIS IS A VIOLATION OF 15 USC 1681b ( a ) ( 2 ) please provide me written instructions that I the consumer gave you authorization to furnish this information. If you can not provide me these instructions written by me prior to this notice then that XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX PLEASE DELETE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 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: TX

Complaint narrative:
Firstly, the company decided to suddenly report my company card to my personal credit report after 3 years of having this card and never reporting it in the past- which means that all the payments I made on time for these years did not make it to my credit report. Secondly, they claimed that I was 60 days late in payment when I was not. Their system was not working correctly and every time I logged onto my account, it told me that " my card needs attention '' but " NO PAYMENT IS DUE AT THIS TIME ''. when it says no payment is due then how do I know I am late with my payment. 
Thirdly, I tried to explain to them this glitch in their system, they actually agreed that this does occur sometimes but they re not going to remove the 60 day delay in payment to my credit report. 
Fourthly, the most I missed on my payments was 30 days NOT 60 days as they claim. 
Fifthly, I explained that my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and this was a large factor but they did not care to listen as they are not human they are robots. And they answer like robots.

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 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have spoken with them many times on the phone over the years trying to get information on the account but I never received anything. I started learning about credit and the consumers that buy our debt and the laws and rules they have to abide by the company. Has ignored my request for information to be mailed to my residence, so I wrote them a letter asking them to update my information such as wrong addresses that they have on my credit report. Its been close to two  months since the letter has been sent out I have not heard anything back. 

The incorrect addresses that are non mailable XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX pa

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 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have spoken with them many times on the phone over the years trying to get information on the account but I never received anything. I started learning about credit and the consumers that buy our debt and the laws and rules they have to abide by the company. Has ignored my request for information to be mailed to my residence, so I wrote them a letter asking them to update my information such as wrong addresses that they have on my credit report. Its been close to two months since the letter has been sent out I have not heard anything back. 

The incorrect addresses that are non mailable XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX pa

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 2024-06-09 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: IL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Experian will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX  Account # 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 2024-06-09 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
My brother in law has gifted me 2 American Express gift cards for {$50.00} each ( {$100.00} total ). I have tried to use these cards at so many online merchants : ex. XXXX, XXXX, XXXX, etc. Each time, the card is rejected due to incorrect billing information. I cant use these as intended. The cards should be fixed to be able to be used online or have a disclaimer that they can not be used online. This is ridiculous.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX. 



Dear Credit Bureau Representative : I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a persons credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order.

The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Credit Reporting Act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these inquiries from my credit report immediately. If any of these companies purport to have pulled my credit report with permission, then I exercise my legal right to ask for verification, including : Name and title of the person who pulled my credit.

Date they purport that I gave permission. 

Method they purport that I gave permission. 



Please include documentation of said permission. 



Thank you,

Company response to consumer: Closed with explanation