vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-13 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
We purchased hardwood flooring from the XXXX XXXX store in XXXX XXXX  XXXX, PA on XX/XX/year> based upon a sample piece of floor that the manufacturer provided. And we financed the purchase through a new Synchrony Bank Mohawk Flooring account that we opened. 
When the actual flooring was received at the XXXX store, we went to see it & the XXXX was quite different than the sample piece that we saw. Thus, we told XXXX that this was not what we ordered. XXXX issued a partial credit to Synchrony Bank but withheld {$3100.00} for a restocking fee. And Synchrony Bank credited our account but left a balance of this same amount ( we already paid XXXX {$2000.00} & they show a balance due of {$1100.00} ). 
We disputed this with Synchrony Bank several times but they denied our dispute each time without providing a reason ( s ), which we requested.

Thus, we have 3 major issues with this transaction : 1 ) The flooring was not the same color as

we ordered. 2 ) The contract with XXXX XXXX says that all disputes must be settled in small claims court. It does NOT say that the credit card company can make the decision. 
3 ) And we requested a letter from Synchrony Bank detailing the reason ( s ) for denying our dispute but they never sent this as required by law.

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 2024-11-13 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: MO

Complaint narrative:
My credit report includes unauthorized hard inquiries that go against 15 USC 1681b ( c ) ( 2 ). These errors are negatively affecting my credit score. Please remove them.

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 2024-11-13 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: IL

Complaint narrative:
In XXXX and XXXX of this year, I reached out to Transunion regarding inquiries that were listed on my report that I did not authorize, nor did the company who accessed my report have a permissible purpose to do so. Transunion did not remove the specific inquiries that I brought to their attention and continues to report each one after my dispute. Transunion has not provided any proof of my authorization of anything and willfully neglects their responsibility to ensure that they are maintaining accuracy in reporting my credit information. Transunion is in full violation of FCRA law 604 ( a ) ( 3 ) and 15 USC 1681b.

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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: TX

Complaint narrative:
I have repeatedly attempted to have my personal credit profile with Experian Updated with Correct information, however it still reflects inaccuracies

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 2024-11-13 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: OH

Complaint narrative:
These accounts are past statue of reports and needs to be removed off all XXXX credit bureaus. Equifax, XXXX, XXXX. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-11-13 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: OH

Complaint narrative:
These accounts are past statue of reports and needs to be removed off all 3 credit bureaus. Equifax, XXXX, XXXX. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-11-13 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: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: AL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OK

Complaint narrative:
I have been disputing collections on my tradsuoin account XXXX was removed from my report XXXXXXXX as a request that came directly from XXXX XXXX  yet they sent account to Jefferson capital system on XX/XX/year> at the same amount that was removed {$580.00} XXXX XXXX did the exact same thing the amount {$630.00} was removed by the original collector from my report via dispute.Then was sent to collections. 
both are currently open. collections I do not owe either and I do not own the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: CARS Acquisition, LLC
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In XXXX and XXXX of this year, I reached out to Experian regarding inquiries that were listed on my report that I did not authorize, nor did the company who accessed my report have a permissible purpose to do so. Experian did not remove the specific inquiries that I brought to their attention and continues to report each one after my dispute. Experian has not provided any proof of my authorization of anything and willfully neglects their responsibility to ensure that they are maintaining accuracy in reporting my credit information. Experian is in full violation of FCRA law 604 ( a ) ( 3 ) and 15 USC 1681b.

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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-11-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am writing to file a formal complaint against LVNV Funding LLC regarding an alleged debt associated with Account # XXXX. I dispute this debt for the following reasons : 1. No Contract or Agreement Exists : - I do not have a direct contractual agreement with LVNV Funding LLC.

- LVNV Funding LLC has not provided any documentation or evidence demonstrating that I owe this debt or that they are authorized to collect on it.

2. Failure to Provide Required Documentation : - Despite my request for validation, LVNV Funding LLC has failed to provide the original agreement or contract containing my wet signature.

- They have also failed to provide any form of identification verification proving that I am the individual responsible for this alleged debt.

3. Potential Violations of the FDCPA : - By continuing to attempt to collect this debt without proper validation, LVNV Funding LLC may be in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

4. Impact on My Credit Report : - This disputed debt has been reported to credit bureaus and is negatively impacting my credit score.

- Without validation, this reporting is unjustified and constitutes inaccurate reporting under the **Fair Credit Reporting Act ( FCRA ) **.

Resolution Requested : I am requesting the following actions : 1. That LVNV Funding LLC immediately ceases all collection efforts on this alleged debt.

2. That LVNV Funding LLC provides all legally required documentation, including : - A copy of the original contract or agreement containing my wet signature.

- Verification of the debt and their legal authority to collect.

3. That this account be removed from all credit reports if the debt can not be validated or is found to be inaccurate. 

I have attached a copy of my previous correspondence requesting validation of the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: NC

Complaint narrative:
I am writing to notify you that I am a victim of a data breach, and I request that the following fraudulent inquiries be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : XXXX. XXXX XXXX dated XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX dated XX/XX/XXXX XXXX. XXXX XXXX dated XX/XX/XXXX XXXX. XXXX XXXX  XXXX XXXX dated XX/XX/XXXX XXXX. XXXX XXXX dated XX/XX/XXXX XXXX. XXXXXXXX XXXX  XXXX XXXX dated XX/XX/XXXX XXXX. XXXX XXXX XXXX dated XX/XX/XXXX XXXX. XXXX XXXX dated XX/XX/XXXX XXXX. XXXX XXXX dated XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX Inquiry dated XX/XX/XXXX XXXX. XXXX XXXX XXXX dated XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX dated XX/XX/XXXX XXXX. XXXX XXXX dated XX/XX/XXXX XXXX. XXXX XXXX dated XX/XX/XXXX XXXX. XXXX XXXX dated XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX  Inquiry dated XX/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 explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Currently my estimated equity is over the required 20 % needed to remove my PMI, I asked my lender to remove it Since we are above the 20 % but they will not, They advised us that is mandatory for the 30 years of the Loan, We need it removed to alleviate the PMI cost of {$390.00} extra per month that will help us mange our Mortgage, Currently we have not been late on payments, but it is getting More difficult due to cost of Living.

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 2024-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Unauthorized accounts appear on my latest credit report. Please block and remove them from my record as soon as possible.

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 2024-11-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
After assuming my VA loan on XX/XX/year> I was able to register my account and had online access to that account for a very short period of time. When attempting to make my next payment I could no longer access my account. I called Freedom Mortgage customer service in XXXX of XXXX  and they informed me that they had stopped access due to privacy concerns regarding the previous mortgage owners information apparently still in that account. They also informed me that they were working to resolve the problem. I have since called numerous times and given a case number of XXXX with no outlook for resolution. 
The Freedom Mortgage phone payment method is absolutely the most tedious and frustrating interface I have ever had to deal with. It is almost as if they are hoping folks using the system will XXXX it up and miss a payment. I once again called today and was told that there was no outlook for resolution. I googled searched this issue and to no surprise it seems that anyone with an assumed mortgage involving Freedom Mortgage is having the very same issue. While there isn't a single, explicit law stating mortgage companies must provide web or application access to a mortgage account, the Consumer Financial Protection Bureau ( CFPB ) regulations under the Truth in Lending Act ( TILA ) essentially mandate this by requiring lenders to provide borrowers with accessible and accurate information regarding their loan details, which typically includes online access to account information through a secure portal. The Freedom Mortgage phone system does provide accessibility to my mortgage information but again it is the absolute worst phone interface I have ever used and it obviously does not allow for electronically copying and storing the information as one needs to be able to do these days. This can not be a huge software development effort to fix and really do not understand Freedom Mortgages reluctance to fix 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 explanation
Consumer complaint received 2024-11-13 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: DC

Complaint narrative:
Consumer Name : ( XXXX XXXX ) Consumer Social Security Number : ( Private SSN LAST XXXX XXXX ), Consumer Date of Birth : ( Private DOB ), Content of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card, Auto loan accounts, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer report. I have attached a list of the hard inquiries in question as well as a copy of the XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( Private Case Number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of Identity Theft and Fraud.

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 2024-11-13 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
There is an unauthorized reporting from Synchrony Bank on XX/XX/year> that I did not recognized.

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