vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-21 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Synchrony Bank denied my application for a Sam 's Club Credit card due to " Prior unsatisfactory obligation with Synchrony Bank. '' Since my only other account with them is my Amazon card which is paid on time every month, has never been late and I am not over my limit, they are denying me credit because of a fraudulent account that was opened in my name with XXXX. I fought and won to have this account removed from my credit reports with the credit bureaus but synchrony still harasses me for payment on this account. ( Not going to happen, and they have made several FCRA violations in their quest ) This is a clear violation of my rights for exercising my right under the consumer credit protection act to have this info erased from my reports since it was a fraudulent account/identity theft. They listed no other reasons for the denial of credit since there are none. I have a good credit score ( even though they tried to destroy it by adding the account back to a report after it had been reported as fraud/identity theft, another violation ) and I pay ALL of my bills every month on time and have a 100 % on time payment history. They consistently violate consumer rights and I will be filing a lawsuit against them. This violation is just another to add to the growing list they have already accumulated. ( XXXX violations ) This company needs to be fined and shut down in my opinion as this is not the first time they have had this issue. In my research they settled another class action lawsuit due to similar violations.

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 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I provided an identity theft report I discovered this issue on XX/XX/year> for an amount of {$280.00} my information was stolen and used.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I provided an identity theft report I discovered this issue on XX/XX/year> for an amount of {$280.00} my information was stolen and used.

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 2024-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: MN

Complaint narrative:
On XX/XX/XXXX, my husband was alerted through his US bank app that a check was cashed from our account for the amount of {$500.00}. He immediately asked me if I had written a check for {$500.00}, which I did not. I had written a check for {$50.00} on XX/XX/XXXX and put it in my mailbox addressed to XXXX XXXX XXXX XXXX. We were able to obtain a picture of the cashed check through the app, which had clearly been altered to reflect a different amount and payee. Immediately upon opening that morning, my husband went to a branch of US bank and froze our account. He then opened a new account and moved as many things over as possible to ensure our money was protected. He filled out a customer statement and affidavit in person on XX/XX/XXXX. We also filed a police report with the XXXX Police Department on the same day. 

Since then, my husband and I have called at least 10 times to get updates on the status of our claim. We have been told that it takes time and to be patient. ALL communication has been driven exclusively on our part, though we are the victims in this situation. At one point we found out that the forged check was cashed at a different branch of US bank. Today ( XX/XX/XXXX, nearly a full month later ), I was told on a call that I initiated that I ( XXXX XXXX ) needed to fill out the same paperwork that my husband filled out on XX/XX/XXXX. This was not communicated by anyone at US bank, and would not have been communicated at all if I had not initiated the phone call. 

We are privileged to be in a position where we do not live paycheck to paycheck. We were able to make our payments last month without the {$500.00} that was stolen from our account. However, I am very frustrated and unhappy with the lack of communication and service that US Bank has offered during this time. I am concerned that I am doing all of the legwork and that no one seems to be doing anything to remedy this egregious error. 


I am not attaching any documents as they contain our personal banking information.

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 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Select Portfolio Servicing , Inc. has been trying to collect money through their escrow account, even though I never set up any escrow account. When I complained that I have homeowner 's insurance, they claimed that they had advanced property taxes. My attorney advised me that all claims from Select Portfolio were resolved in my XXXX  XXXX bankruptcy and that there was no escrow account associated with my mortgage. ( see attached ) Now they claim that I owe them one year of homeowner 's insurance, even though I had insurance continuously from XXXX XXXX until they canceled all policies in my community in early XXXX. There was a billing dispute with XXXX in XX/XX/XXXX, when I had switched to paperless billing, and their website would not accept my payment. XXXX claimed that my insurance was canceled on XX/XX/XXXX, and reinstated on XX/XX/XXXX. All of these disputes were resolved in my XXXX  XXXX bankruptcy, which I successfully completed and received discharge on XX/XX/XXXX, XXXX and Select Portfolio agreed that I did not have any escrow account, but now they are billing me for nearly {$600.00} for an escrow shortage dating from XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: TX

Complaint narrative:
My credit reports are showing 11 recently opened and closed student loan accounts through XXXX. I last consolidated my loans in XX/XX/2022, and there should not have been any new accounts opened or closed in my name. As a result of the new accounts, my credit score with the bureaus has taken a sizeable hit.

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 2024-10-21 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 showing 11 recently opened and closed student loan accounts through XXXX. I last consolidated my loans in XX/XX/year>, and there should not have been any new accounts opened or closed in my name. As a result of the new accounts, my credit score with the bureaus has taken a sizeable hit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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:
My credit reports are showing 11 recently opened and closed student loan accounts through XXXX. I last consolidated my loans in XX/XX/2022, and there should not have been any new accounts opened or closed in my name. As a result of the new accounts, my credit score with the bureaus has taken a sizeable hit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

I request the Consumer Financial Protection Bureau to investigate this matter urgently and ensure that the credit bureau complies with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of 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 2024-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
My process that leaded me to this complaint I was getting harassing calls from these collections companies, and emails, plus mail that I was giving them payments when there was no payments done. What so ever by my part. 

I explained the collection companies I was in the do not call list which I attached to this complaint and the calls went from 3 per day per account to XXXX XXXX XXXX very early in the morning to XXXX. 6 times per account and per day. 

I printed my credit report. 
I saw that this collection companies. 

RESURGENT/LVNV FUNDING has XXXX accounts under open, under collection, and wrong information of the debts was in my credit report. Depts were closed by the original creditor and mentioned to me that they were Charge off. Place of loss to the taxes and send 1099 's LVNV Funding LLC has ; LVNV Funding LLC Original Creditor : XXXX XXXX XXXX XXXX 
Account Number : XXXX {$350.00} LVNV Funding LLC Original Creditor : XXXX XXXX  Account Number : XXXX Balance : {$6200.00} LVNV Funding LLC Original Creditor : XXXX XXXX XXXX, XXXX. 
Account Number : XXXX Balance : {$760.00} LVNV Funding LLC Original Creditor : XXXX XXXX XXXX, XXXX. 
Account Number : XXXX Balance : {$1500.00} LVNV Funding LLC Original Creditor : XXXX XXXX XXXX, XXXX. 
Account Number : XXXX Balance : {$1400.00} XXXX XXXX XXXX has ; Account Information : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX  Account Number : XXXX Balance : {$540.00} I asked for the collection company to verify my information, the dept, to send me proof I did a contract with them, proof of my social security, my address last payment done, that they own the dept and could collect on the behalf of the creditor. 

Base on Inaccurate Information Pursuant to 15 U.S.C. 

In accordance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I am requesting that you conduct a reasonable reinvestigation to determine the accuracy of the dispute information I kindly request that you contact the furnisher of the information to verify the accuracy of the disputed item.

I understand that, under 15 U.S.C. 1681i ( a ) ( 3 ) ( A ), you are required to complete the reinvestigation within 30 days of receiving this dispute, unless you notify me that an extension is necessary. 

If after your reinvestigation, it is determined that the information is inaccurate, incomplete, or can not be verify, I expect the prompt removal or correction of the disputed item from my credit report. 

Please send all correspondence regarding this matter to the address listed above. I appreciate your attention to this dispute and your compliance with the FCRA regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MORTGAGE SOLUTIONS OF COLORADO
State: AL

Complaint narrative:
1. They were negligent in sending too much money from my Escrow account to my insurance company. That is how this whole incident started yet they will not own up to it. I had NEVER been late nor missed a payment until they went up on my mortgage because they had made a mistake.

2. They sent me a letter in XX/XX/2023 stating that my mortgage would go up from {$1700.00} to {$2000.00} for one year starting in XX/XX/2023.

3. When they got the money back from the insurance company and did another escrow analysis that brought my payment back down in XX/XX/2023, I got NO letter nor was I informed.

4. Please read my letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: PA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

I request the Consumer Financial Protection Bureau to investigate this matter urgently and ensure that the credit bureau complies with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of 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