vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-24 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
My husband had a fraud on his Sam 's Club Synchrony bank credit card account in XXXX and XX/XX/XXXX. He reported the fraud multiple times and they kept transferring the balance to the new cards issued. 
He passed away XX/XX/XXXX. We've been fighting with Synchrony Bank to close the account since. We have reported his death multiple times. He had two other cards through them that were closed but they continue to collect on this one and send threatening letters that they are going to sue us. 
My daughter and I called and spoke to XXXX today who advised we didn't report the death. My daughter advised all the dates and times she called as well as the letter mailed on XXXX by certified mail that was received by them and the death certificate was enclosed. He reviewed and found the letter but stated we didn't send the death certificate, which was in the same envelope. They continue to send threatening letters and refuse to close the account. 
I've attached the fraudulent transactions that were reported in a file with a letter to XXXX. They removed the account from my credit report. The only remaining balance on the card were the fraudulent transactions.

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 2024-07-24 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Fein, Such, Kahn & Shepard, P.C.
State: NJ

Complaint narrative:
Fein Such Kahn & Shepard PC debt collectors have violated the Fair Debt Collection Practices Act by not obeying a court order. In XXXX  2022 they sued me to collect on a debt I do not agree that I owe ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). They filed motions to both garnish my wages, and also levy my bank account and my husband 's bank account. My husband 's bank account was not connected to mine, with no comingled funds and he was not named on the suit. Still, the froze every dollar to both of our names, leaving us with not a penny to take care of our XXXX XXXX. I immediately contacted them to resolve this, and they refused. We met before the judge, who ordered them to return all of our money and ultimately ruled in their favor on the debt and allowed them to garnish my wages. Now, XXXX years later they have done the exact same thing again even though they already currently have a wage garnishment order on file. They again have filed motions to both garnish my wages, and have levied both my bank account and my husband 's bank account. These are the same accounts they were ordered to return our money to when they illegally took money from my husband 's unconnected personal account, and my account. They also can not garnish my wages more than once. Again, I have been reaching out daily with no response. At this point, their illegal practices are harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-07-24 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 strongly urge you to promptly address this error and clear me of any responsibility. It is vital that you conduct a thorough investigation into this matter and rectify the mistake swiftly. Your immediate attention to this matter is highly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
This account has inaccurate reporting. The company has failed to properly investigate. These accounts do not belong to me. If not resolved, I will sue for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge 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: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I ordered a shoe on the XXXX app on XX/XX/year>, which cost {$330.00}. The shoe was estimated to be delivered on XX/XX/year>. Fortunately, the package was updated to be delivered the next day XX/XX/year>. I made myself available to as to receive the package. I was at home tracking the XXXX  carrier. Suddenly, I heard honk from outside. I rushed out, it was a XXXX van hoping that my package had arrived. Unfortunately, the driver told me he didn't have my package, that there was a little bit of delay on that day. I went back inside, while I was waiting for my package. I checked my phone my package status had been to delivered. I checked front of my house, and rear door as instructed in the delivery manager, the surroundings, I asked my neighbors and I could not find my package. I called XXXX, called XXXX. They opened a claim, I had to order a new shoe of the same type pending time the case will be resolved. After several weeks, the claim was denied and they said the shoe was delivered. I have disputed the transaction three times with my credit company and all denied

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: NC

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute late payments that have been inaccurately reported on my credit file. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1666b, ( A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ) it is my right to request an investigation into these discrepancies and to have any errors corrected promptly. 

The bellow accounts are reporting incorrect info on all XXXX credit reports. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have carefully reviewed my credit report and found that the late payments listed above are incorrect. According to my records, all payments to the aforementioned account were made on time. This discrepancy has adversely affected my creditworthiness and overall credit score. 

I am a victim of Idenity theft and I have filed a police report and a report with the FTC. 

Furthermore, I request that you notify me in writing of the results of your investigation and provide an updated copy of my credit report once these inaccuracies have been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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:
I notices some fraudulent inquires on my credit report that i did not authorize. i reach out to you on XX/XX/year>. i did get a response saying that everything was deleted and these inquires are NOT on my credit report. so i had my credit report pulled again and is still showing the inquiries. please remove them immediately i will be uploading the credit report to support.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XX/XX/2024 I RECIVED A CALL FROM MY SISTER, ( WITH WHOM I DONT HAVE A RELATIONSHIP ) ASKING ME WHY MY CREDITORS AND ALL MY PERAONAL INFORMATION WAS SHOWING UP ON HER ACCOUNT. I HAD NO IDEA. SO I TRIED PULLING A COPY OF MY REPORT, ONLY TO FIND THAT IT SAID I WAS " UNSCORABLE '' AND THAT THEY WERE UNABLE TO SHOW MY CREDIT REPORT. 
I CALLED EXPERIAN TO SEE EXACTLY WHY THEY WOULD SHARE ALL OF MY ACCOUNTS AND ALL.OF MY PERSONAL INFORMATION WITH MY SISTER. I KNOW THIS IS ILLEGAL AND UNETHICAL. IT WAS AS IF THEY DELETED ME AND MADE US XXXX PERSON. I ASSURE YOU, WE ARE XXXX DIFFERENT PEOPLE, WITH DIFFERENT NAMES, ADDRESSES, BIRTHDATES AND SOCIALS, SO I'M NOT UNDERSTANDING THIS AT ALL. WHEN I CALLED, AT FIRST, THEY PUT ME ON HOLD SO THEY COULD " CATCH UP '' THEN I WAS TOLD THAT THEY CANT PULL UP MY CREDIT REPORT, AND THERES NOTHING THEY CAN DO. I THEN ASKED FOR THEIR LEGAL DEPARTMENT. I WAS PUT ON HOLD AGAIN, FOR OVER AN HOUR!! SUPPOSEDLY TO SPEAK TO A SUPERVISOR, WHO NEVER CAME ON THE LINE AND I WAS DISCONNECTED. I AM TRULY UPSET AND NEED THIS ISSUE FIXED 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 explanation
Consumer complaint received 2024-07-24 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: PA

Complaint narrative:
I recently reviewed a copy on my credit report and noticed, I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit

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 2024-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
New York State Department of State Division of Consumer Protection Consumer Assistance Unit XXXX XXXX XXXX XXXX, New York XXXX To Whom It May Concern : I'm writing this complaint about Shellpoint/newrez ( they took over my mortgage XX/XX/XXXX ) but my first payment to Shellpoint/new rez was XX/XX/XXXX XXXX 

I went to the Shellpoint/new rez website to pay my mortgage and could not do so because there was a {$30.00} home inspection fee pending on my account. I was never consulted about this fee. Shellpoint/new rez never notified or contacted me of this home inspection. Shellpoint/new rez is the first mortgage servicing company ( I have ever dealt with ) to charge such a fee and I am very " FRUSTRATED '' to say the least. I'm also filing a complaint with my Attorney General 's office and with the Department of Financial Services, Consumer Assistance Unit, XXXX XXXX XXXX, XXXX XXXX, NY XXXX. 

I had to call customer service and wait XXXX on hold only to be told Shellpoint/new rez is charging me for a home inspection done to my property without telling me. I am asking for the return of this bogus and predatory practice {$30.00} fee ASAP. 

Thank you, XXXX XXXX XXXX Email : 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 2024-07-24 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:
I am seeking your assistance with this erroneous account appearing on my credit report. This issue has negatively impacted my reputation, and I urgently need your help to have it removed and blocked as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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 seeking your assistance with this erroneous account appearing on my credit report. This issue has negatively impacted my reputation, and I urgently need your help to have it removed and blocked 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 explanation
Consumer complaint received 2024-07-24 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: FL

Complaint narrative:
My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX Subject : Request for Removal of Unverifiable and Incomplete Account Information Dear Sir/Madam, I am writing to formally request the removal of an account associated with XXXX from my credit report. The account details are provided below : Account Information : Account Number : XXXX High Balance : {$720.00} ( Equifax XXXX Last Verified : Not Reported Date of Last Activity : XX/XX/XXXX ( Equifax XXXX Date Reported : XX/XX/XXXX ( Equifax XXXX Date Opened : XX/XX/XXXX ( Equifax XXXX Balance Owed : {$720.00} ( Equifax XXXX Closed Date : Not Reported Account Rating : Derogatory ( Equifax XXXX Account Description : Credit card ( Equifax XXXX Dispute Status : Account not disputed ( Equifax XXXX Creditor Type : All Banks ( Equifax XXXX Account Status : Closed ( Equifax XXXX Payment Status : Collection/Chargeoff ( Equifax ) Creditor Remarks : Charged off account ( Equifax ) Payment Amount : {$0.00} ( Equifax ) Last Payment : XX/XX/XXXX ( Equifax ) Term Length : Not Reported Past Due Amount : {$720.00} ( Equifax ) Account Type : Credit Card ( Equifax ) Payment Frequency : Not Reported Credit Limit : {$0.00} ( Equifax ) This account has been previously investigated, and it has been determined that the information provided is unverifiable and incomplete. Despite this, the account remains on my credit report, which is a clear violation of the Fair Credit Reporting Act ( FCRA ). 




The discrepancies and inconsistencies, as outlined above, demonstrate that the account information is not accurate, complete, or verifiable. Specifically : The account is only reported by Equifax and not by XXXX or XXXX. 
The balance owed and the past due amount are the same, indicating potential duplication of information. 
The dates of last activity, report, and opening do not provide a complete timeline. 
Given these significant inaccuracies and the unverifiable nature of the account information, I demand the immediate removal of this account from my credit report by EQUIFAX Please confirm in writing that this account has been removed from my credit report within 30 days of receipt of this letter. Failure to do so will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and seek legal action to enforce my rights under the FCRA. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 2024-07-24 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: OH

Complaint narrative:
My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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: CA

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : XXXX  XXXX XX/XX/year> {$2000.00} By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within XXXX  days of receipt of this letter. 
Thank you for your time and help 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