vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
On XX/XX/XXXX, I was in the drive through at XXXX XXXX. I tried to use my Synchrony Master card to complete the purchase. It was declined. I checked my phone and their fraud department had sent me a text messages regarding purchases they flagged for fraud. I responded they were fraud. 
Later I spoke with them, they cancelled the card, and I filed the report for unauthorized purchases. Synchrony advertises a zero fraud liability. They however appear to be operating in bad faith in an attempt to delay, deny, and avoid fulfilling that self proclaimed policy. 
The matter still has not been resolved. On XX/XX/XXXX they issued a letter stating that I had XXXX $ fraud liability and that it may take up to 60 days to resolve this. On XX/XX/XXXX ( more than 60 days later ) they told me they denied the claim because I had received the item ( they provided no proof of this and I had not received the item ). I immediately contacted them again to remind them they had a zero fraud liability. They sent a letter on XX/XX/XXXX again saying I had XXXX $ fraud liability and it may take up to 60 days. On XX/XX/XXXX they again said, without providing proof, that I had received the item. I again immediately contacted them. They sent another letter on XX/XX/XXXX acknowledging my continued resistance to their attempts to make me responsible for a unauthorized purchase. I received a letter in the mail from them asking me to once again write out what I had told them many times before. I returned that letter this morning. 

It seems to be the intention of Synchrony Bank to never implement their benefit of zero fraud liability. It appears as though they are acting in bad faith. Attempting to delay, defer, and deny coverage. XXXXXXXX XXXX XXXX XXXXXXXX is where these charges were made. I would assume that they have employees who are responsible for telling Synchrony that the purchase was valid as far they are concerned. It should be assumed that they will never miss the opportunity to dispute that this was fraud. It should also be assumed that if this pattern of Synchrony bank continues indefinitely it is guaranteed that at some point, I will be on vacation or unavailable in some manner and I miss a deadline set in place by Synchrony and they claim that I am responsible for the charge. This is not the guarantee that they promised. They did not state that a unauthorized charge maybe eternally contested. They stated that I would never be responsible for unauthorized charges

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 2023-12-26 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: NJ

Complaint narrative:
I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 


According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

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 2023-12-26 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: NY

Complaint narrative:
After being negatively affected by identity theft, I have tried several times to rectify open accounts and negatively reported information with both the creditors and credit reporting agencies to no avail. I have been sending letters with no responses from either creditors or credit reporting agencies. This has been a great strain on me personally and professionally. By not being able to attain the credit that is necessary to grow my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This debt collector ( LVNV FUNDING LLC ) has engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which makes this unfair practices. According to the FDCPA I'm entitled to {$1000.00} per violation and clearly they violated my rights. 
Collection Acct : LVNV FUNDING LLC OPEN BALANCE : {$1000.00} ACCOUNT OPENED : XX/XX/ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
1. I received a written letter in the mail on XX/XX/23 confirming that I opened a paypal credit account. I noticed the email address in this letter was NOT mine and know that I DID NOT apply for this account. 

2. The account was opened on XX/XX/XXXX  and the same day a charge was made against the account for {$3200.00}. I did not authorize these charges. 

3. On XX/XX/XXXX  I called Synchrony Bank ( the issuing bank for PayPal Credit ) to report that this fraudulent account was opened. The agent I spoke to ( XXXX with ID # XXXX ) stated that she closed the account, updated the credit bureau 's and that I should also call the credit bureau 's myself. She also stated that I should receive confirmation about the dispute within 60 days of XX/XX/. 

4. I called XXXX, XXXX, and XXXX on XX/XX/XXXX  to place a 1 year fraud alert on my account.

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 2023-12-26 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:
15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCT of the consumer to whom it relates. I NEVER gave any consumer reporting agency the permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the ACCOUNTS, listed IMMEDIATELY!

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 2023-12-26 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: NY

Complaint narrative:
I disputed unauthorized accounts on my credit report and they were removed but 6 months later, these companies were allowed to re-report deleted accounts. Deleted after complaint and investigation. 
I have lost several opportunities to loans due this credit report harassment violations my rights under the Fair Credit Reporting Act, Fair Credit Billing Act and The Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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: NY

Complaint narrative:
I disputed unauthorized accounts on my credit report and they were removed but 6 months later, these companies were allowed to re-report deleted accounts. Deleted after complaint and investigation. 
I have lost several opportunities to loans due this credit report harassment violations my rights under the Fair Credit Reporting Act, Fair Credit Billing Act and The Fair Debt Collection Practices Act.

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 2023-12-26 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: MD

Complaint narrative:
I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.

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 2023-12-26 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 did not give authorization or start these accounts, and it is unjust for me to bear responsibility for them. I implore you to take prompt action to correct this mistake

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 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: NC

Complaint narrative:
I experienced a hardship during Covid/laid off and called XXXX XXXX to create an accommodation. As agreed, the account was paid, and the credit card company ensured there would be no late payments updated on my account as long as I adhered to the accommodation agreement. The account was paid as agreed on XX/XX/. I recently pulled a copy of my credit profile and realized there has been a series of late payments updated on my credit profile. I have contacted the CRA ( Experian, XXXX, and XXXX ) requesting the information be updated as I have included all documentation. There has been no response or any due diligence to investigating this information on my behalf. These late payments are in violation of 15 USC 1666B with a billing error. Furnishing this information to my account is also in violation of 15 USC 1681. There should be no late payments listed on my account, this is not affecting my ability to obtain credit for my new home.

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 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Western-Shamrock Corporation
State: MO

Complaint narrative:
Western Shamerock is reporting 30 days late on a closed account and reported 2 late payments during loan installment. Both of these issues are not true. The account is paid off in full and closed and all payments were made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to express my ongoing concern and frustration regarding unauthorized hard inquiries on my credit report. Despite my multiple communications with your office, the inquiries in question continue to appear on my report. I am troubled by the persistence of this issue and the apparent lack of resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Ive contacted transunion several times about these unauthorized inquiries on my credit, as well as submitted an FTC report and they still have not removed these inquiries from my credit report as requested : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: McCarthy, Burgess & Wolff, Inc.
State: VA

Complaint narrative:
I had a XXXX XXXX account submitted to XXXX XXXX XXXX. I entered into a payment settlement offer with that company to resolve the XXXX account balance. The agreement was entered into on XX/XX/, and was if I paid {$1300.00} the account would be settled in full. I made the payment for the settlement amount directly to XXXX XXXX XXXX. However, on XX/XX/, XXXX sent the exact same debt to a different collection agency, McCarthy , Burgess & Wolff , Inc . I spoke with XXXX and they said the account is closed on their end and should be reflected in XXXX 's records as paid since it has been paid for 2 months. I have tried calling XXXX and have not gotten any assistance. This account is still being reflected on my credit report as outstanding despite the fact that it is paid and closed. Can you please assist.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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: GA

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 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: NV

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your 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 non-monetary relief
Consumer complaint received 2023-12-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
Validation Request XX/XX/XXXX  Account # XXXX To Whom It May Concern : I paid for one and received service for one month ; I don't understand how I owe a debt to XXXX XXXX XXXX With that being said, I'm disputing your claim and requesting validation according to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 

Provide a breakdown of fees, including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until the debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in my state. 
Send this information to my address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 

I will await your reply with the above-requested proof. Upon receiving it, I will get back to you. 

Sincerely, XXXX 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 2023-12-26 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: IN

Complaint narrative:
To whom it may concern, I received a copy of my credit report and saw a inaccurate account on my credit file I did not authorized or gave consent too.I understand that Equifax Credit Reporting Agency shouldn't be allowed to put an inquiry on my credit file unless I authorized it. The FCRA states that the only permissible purpose is for : A. Firm offer of credit B. Insurance C. Employment D. Court Order. 
The following credit inquiries related to non of the aforementioned permissible purpose. 
XXXX XXXX XXXX  Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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 did not give authorization or start these accounts, and it is unjust for me to bear responsibility for them. I implore you to take prompt action to correct this mistake

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 2023-12-26 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: MD

Complaint narrative:
I urgently request that you promptly remove the unauthorized ACCOUNTS from my credit report, as I did not provide authorization for them, and they are causing me significant distress. I implore you to correct this error without delay.

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 2023-12-26 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 am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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