vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX XXXX XXXX was mailed a letter earlier this month, and did not reply. The organization had been previously requested via the credit bureaus through the dispute methods ( XXXX, XXXX ) but it has circumvented this process. 

The credit bureaus have responded that the information has been " verified, '' but each has also failed to provide the methods/ sources for their Reasonable Investigations. 

Each has stated that they selectively are able to make 'predeterminations ' without actually acquiring consumer requested documents which does not align with consumer rights under the FCRA XXXX 

A debt is being reported under my name, and I have no idea of what Synchrony Bank is- I have not ever had a bank account with this bank or a Synchrony Bank credit card. 

My letter stated that I have been a targeted in a data leak in the past, as a customer of both XXXX XXXX XXXX XXXX XXXX  thus this could have possibly contributed to someone having my personal information in which to open this account. 

However, I have requested a contract, or actual documents but again ; XXXX XXXX XXXX has conspired with the credit bureaus -- - to circumvent the FCRA by failing to provide proof of their Reasonable Investigation/s and by failing to provide signed contract/s documents for my review.

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 2023-09-27 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: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-09-27 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: VA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 explanation
Consumer complaint received 2023-09-27 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: VA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under XXXX5 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2023-09-27 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: OH

Complaint narrative:
Hi, i am XXXX XXXX, i am requesting verification/investigation and disputing the below inquires from my credit file and credit report. I never applied to these lenders and all of these lenders did not have permissible purposes to pull my credit report. Their practices have been unfair deceiving and they have had unequal bargaining power. I applied to one car lender and that was XXXX. I dont understand how every other lender was able to pull my credit report off of that XXXX credit pull from XXXX XXXX am aware that all of these inquiries should have only been treated as XXXX credit pull, meaning only one inquiry should be reported/reporting. 
I am requesting that you all provide the certified Uses signed by me that shows exactly why the lenders would be pulling & using my credit and that it is signed by me and that they had permissible purpose to do so. Provide this immediately. Please also provide a certified original of my permission & consent. And lastly, Please delete all the below inquiries from my credit file and credit report immediately. Thank you. 


XXXX XXXX XXXX XXXX XXXX XXXX ( total of XXXX inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( total of XXXX inquiries ) All other inquiries on my credit file and credit report. 


Please note failure to do the above requested will severely damage as i have been unable to obtain future credit because of those inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd.
State: SC

Complaint narrative:
Harris & Harris continue calling me regarding another person. I have told them repeatedly they have the wrong number and asked to be removed from their calling list. I do not have any debt. I am under a XXXX XXXX XXXX 
They are now calling me daily. I work 3 jobs so I am either at work or asleep when they are calling. This is very disruptive, and they aren't even calling for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA

Complaint narrative:
Fair Collections & Outsourcing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX Original Amount Owed : {$1000.00} Date Assigned : XX/XX/2023 Status Date : XX/XX/2023 Status : UNPAID I am writing to formally dispute the validity of the debt associated with Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which you are attempting to collect on behalf of XXXX XXXX. According to your records, the original amount owed is {$1000.00}. I want to clarify that this collection account is not mine, and I request its immediate removal from my credit report and any further collection attempts. 

My dispute is based on the following grounds : 1. **Identity Theft Concern** : I have never had any financial dealings with XXXX XXXX or incurred this debt. Therefore, I believe that this account may be the result of identity theft or a reporting error. 

2. **Consumer Disputes** : As indicated in the account comments, it is stated that " CONSUMER DISPUTES THIS ACCOUNT INFORMATION. '' This demonstrates that there is an ongoing dispute regarding the accuracy of this debt. 

3. **Laws and Rights** : Under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable consumer protection laws, I have the right to dispute the validity of a debt and request verification. I am also entitled to ensure that any inaccurate or unverifiable information is removed from my credit report.

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 2023-09-27 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: LEXISNEXIS
State: MD

Complaint narrative:
Lexis Nexis previously sold and reported my private nonpublic and personal information to consumer reporting agencies thus committing identity theft and causing me injuries such as humiliation, stress, loss of opportunity and wages. Lexis Nexis provided a reinvestigation XXXX XXXX XXXX  and has failed to furnish notification of the deletion results to those including the elaborate mechanisms, XXXX XXXX and other persons who have obtained my consumer report for any other purpose in the past twelve months. 

Please see the attached for specific persons Lexis Nexis needs to send the notification of deletion to immediately and to provide me with a copy of each notification sent. 

Provide monetary relief of {$1000.00} for violating my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: IN

Complaint narrative:
On XX/XX/2023, I made a final payment towards my student loans of {$10000.00}. My balance was zero, and I owe nothing more. A few days later the company moved to a new portal and it took weeks for them to show my {$10000.00} payment, because at first they said they had no record of it. 

Finally it is showing but has not been allocated correctly. The portal shows two loans : XXXX : - {$9400.00} XXXX : {$9400.00} XXXX XXXX gains interest every day, and it shows I have an {$87.00} payment coming due on XX/XX/XXXX. Both of these loans should be zero. I have paid everything and will not pay a cent more. I have tried for weeks to contact the company and they never ever reply. Chat is broken. Their email option says they will reply within XXXX days, but they never do. You call them and the robot voice literally says XXXX minute wait time, so you choose the option to have them call you back but they never do. This needs resolved immediately because I am sick and tired of trying to contact this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company - without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2023-09-27 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: IL

Complaint narrative:
I previously submitted several disputes with Equifax regarding these inquiries, and after investigations, I received responses indicating that Equifax refused to remove the inquiries from my credit file. I am writing this letter to formally request the original documentation from the respective creditors that demonstrates my explicit permission for them to access my credit file. 
I believe it is essential for me to receive this documentation as it is my right to verify the legitimacy of these inquiries. Without this proof of authorization, I insist that these inquiries be promptly removed from my credit report, but Equifax consistently refuses to remove them and to provide me with documentation from the creditor. Equifax customer service representatives stated that they do not provide documentation from the creditors. I asked how they verify that what they are reporting is accurate, and I was told they rely on a response from the creditor stating it is valid but no documentation. They are violating my rights. 
As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
XX/XX/23 - XXXX XXXX XXXX reported to Truist while pending. Truist stated they would block it, if not contact them. They did not block it. We contacted them. They said to fill out affidavits. We submitted affidavits. 
XX/XX/23 - XXXX XXXX reported on XX/XX/23 with XXXX XXXX XXXX XXXX XXXX. We fill out affidavits for that fraud charge as well. 
XX/XX/23 - XXXX XXXX XXXX reversed. No explanation provided. Filled out affidavits again. 
XX/XX/23 - affidavits received by Truist on XX/XX/23 by XXXX XXXX. 
XX/XX/23 - Several inquiries as to status - no response XX/XX/23 - Complaint filed XX/XX/23 to CFPB XX/XX/23 - email from Truist stating working on concerns if need information contact XXXX XXXX. 
XX/XX/23 - email to Truist XXXX XXXX unreturned. No information ever provided. 
XX/XX/23 - email to Truist Client Resolution unreturned. No information ever provided. 
Important Facts : 1. ) XXXX XXXX is not used by anyone in my family. I would never put my debit card on XXXX XXXX 2. ) The fraud was three-fold- XXXX XXXX {$200.00}, XXXX XXXX {$100.00}, XXXX {$200.00}. XXXX was properly restored. 
3. ) Truist is aware on XXXX XXXX Fraud scheme please refer to attached article on XXXX XXXX dated XXXX XXXX. 
4. ) Truist has never responded or provided evidence that the charges were authorized. they were reported fraudulent while PENDING! 
5. ) By law and Regulation E, Truist is required to provide evidence. From a basic customer service standpoint, they should return email and calls. 
6. ) Complaint was closed erroneously by CFPB. On the day that CFPB said the complaint had been closed ( XX/XX/23 ), I received an email from Client Advocacy stated that Truist was still working to address my concerns and researching.

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 2023-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Valentine and Kebartas, Inc.
State: MI

Complaint narrative:
Texts repeatedly from an automated text number XXXX or calls from XXXX. Doesnt leave messages, does not provide any information. Sends me a link to pay the debt without any notice. I know for a fact I owe no debt, I have nothing owed to anyone. I am current on all payments including my student loan, one of which I just paid off. I have ZERO items in collections. They will not identify what or who its for and after selecting Stop several times via text and getting alerted I will be removed, they keep contacting me. Most recently on XXXX at XXXX via text. 

Via phone : XXXX XXXX all around XXXX. I delete all texts and block and they text from new text numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company - without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
As a victim of identity theft, I am submitting my another request to have the information related to the alleged identity theft removed from my credit file. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), Credit Bureaus are obligated to remove any disputed items no later than four business days after the receipt of my initial letter, dated XX/XX/XXXX. I have previously included this report in a prior letter, and I am resubmitting it for reference. Moreover, I have noticed that certain accounts in the provided information are unfamiliar to me and have already been removed by other credit bureaus. Consequently, I am skeptical about their accuracy. Therefore, I request a thorough examination and removal of the disputed accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
As a victim of identity theft, I am submitting my another request to have the information related to the alleged identity theft removed from my credit file. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), Credit Bureaus are obligated to remove any disputed items no later than four business days after the receipt of my initial letter, dated XX/XX/XXXX. I have previously included this report in a prior letter, and I am resubmitting it for reference. Moreover, I have noticed that certain accounts in the provided information are unfamiliar to me and have already been removed by other credit bureaus. Consequently, I am skeptical about their accuracy. Therefore, I request a thorough examination and removal of the disputed accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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