vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: GA

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have already had a complaint about Synchrony Bank in XXXX XXXX My account was closed on XXXX after making a {$100.00} payment, way over my minimum balance on time each month. My account was closed on XXXX I am going to dispute the transaction. It implies negatively against your credit. 

I have maintained a credit score of over 700 until my car payment was disconnected from my bank account for after a year. I have worked earnestly to catch my car payment up and that will be reflected on my credit score on XXXX XXXX XXXX  I like to ensure my bills are paid and maintain a good credit score. Its been affected by XXXX points. However, even through XXXX I have managed to ensure it is up to date. 

What are the odds this happened during this time? They seek to have a reason to close your account because you went against them previously for cutting your spending power, making it look like youre utilizing 100 % when I was utilizing between 30 % -40 % prior to the cut. Then close the account on XX/XX/XXXX when my credit score is the lowest its been in years due to the car payment incident. I will be disputing the account closure. Synchrony Bank obviously does not want peoples money, or ones who pay them on time. They do not know the reasoning behind the dip in my score.

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 2023-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Management Partners, LLC
State: NC

Complaint narrative:
The debts from RMP Services LLC appears to be a debt collector. I originally owed XXXX XXXX XXXX XXXX Now XXXX XXXX XXXX XXXX ) for medical bills which I could not pay. 

I was told that the debt would not go to a collector due to the hospital is deemed a county hospital, for uninsured, insured. I would like all the debts for this company removed if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: FL

Complaint narrative:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022

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 2023-12-27 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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 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:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute and request the immediate removal of fraudulent accounts on my credit report. The accounts in question are as follows : XXXX XXXX XXXX. I want to bring to your attention that the respective bank/creditor, upon being made aware of this issue, has agreed to remove these accounts from their records. The other credit bureaus, XXXX and XXXX, have promptly followed suit, acknowledging the error and removing the entries. I am deeply confused and annoyed as to why your bureau has not taken similar action despite being aware of the fraudulent nature of these accounts. As a victim of identity theft, I demand that you comply with the law and follow the standard procedures established by other credit bureaus. It is both frustrating and infuriating that my repeated requests seem to be ignored. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the 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 2023-12-27 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I feel taken advantage of from this credit reporting company. Information is on my report which I know isnt being reinvestigated properly. This information is reported with errors and is affecting my score and I am beyond stressed out by this at this point.

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 2023-12-27 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'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX XXXX XXXX  Appears on my credit report as a COLLECTIONS AGENCY for two SYNCHRONY BANK accounts with balances of {$2300.00} and {$380.00}, respectively. 

AT NO POINT DID I CONTRACT WITH THEM. at no point did I give any consent to SYNCHRONY BANK to disclose not XXXX XXXX XXXXXXXX to request my information. Protected under privacy act of 1974 and 15 usc 6802 which requires both to have received written, verbal and/or non verbal consent from my part. no such authorization was given.

This is not only a VIOLATION of my Privacy which has led to misrepresentation of my credit worthiness and thus caused me damages, such as inability to obtain credit, vehicles, or apply for rental agreements. 

15 U.S. Code 1681. Civil liability for willful noncompliance up to {$1000.00} or greater for damages to me, and my credit report 15 U.S. Code 1681s ( a ) ( 2 ) ( A ) as enforced by Federal Trade Commission, ... .up to $ XXXX violation. 

in collection for/since ( XXXX ) XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 
for XXXX account and collection XXXX for XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Me and my husband, had checking account and credit card with the Citibank at XXXX and XXXX XXXX in XXXX XXXX. 
They allowed to my husband to send maximum {$10.00} per month to XXXX. 
He had building a three stores building in XXXX, he explains to the Citibank, On month he asked to me to sent 2 times XXXX dollars from my own checking account, to the contractor in XXXX, and then the manager closed my husband accounts and mine too. 
After that many stores like home depot and Macys closed our accounts too. 
I went to the bank one day and ask for that and they told you need to call. When we try to call to the bank nothing happen. No body gave any explanation.

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 2023-12-27 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: WI

Complaint narrative:
I feel taken advantage of from this credit reporting company. Information is on my report which I know isnt being reinvestigated properly. This information is reported with errors and is affecting my score and I am beyond stressed out by this at this point.

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 2023-12-27 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: NY

Complaint narrative:
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

The names on my credit report personal information are different people different spellings I have never applied for a card under these aliases or a loan under these aliases and addresses

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 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: FL

Complaint narrative:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXXXXXX Balance : {$4300.00} XXXX XXXX XXXXXXXX Balance : {$6200.00} ; XXXX XXXXXXXX Balance : {$6200.00} XXXX XXXX XXXXXXXX Balance : {$0.00}.

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 2023-12-27 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: FL

Complaint narrative:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXXXXXX Balance : {$4300.00} ; XXXX XXXXXXXX Balance : {$6200.00} XXXX XXXX XXXXXXXX Balance : {$6200.00} ; XXXX XXXXXXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: IL

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-12-27 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to address serious concerns regarding the accuracy of information on my credit reports, which I believe to violate my federally protected consumer rights under 15 USC 1681, as stipulated by the Fair Credit Reporting Act ( FCRA ).

I have previously communicated to XXXX, XXXX, and Equifax, requesting a reinvestigation into the following accounts : XXXX. Account name : XXXX XXXXXXXX XXXX 2. Account name : XXXX XXXX XXXX 3. Account name : XXXXXXXX XXXX XXXX 4. Account name : XXXX XXXX XXXX XXXX 5. Account name : XXXX XXXX XXXX 6. Account name : XXXX XXXX XXXX XXXX XXXX. Account name : XXXX Regrettably, their responses assert that all information is complete and accurate. However, this assertion contradicts the discrepancies I have identified, specifically concerning the open date, date of last activity, and various other critical details. Per 15 USC 1681i ( 5 ), it is my understanding that these agencies are obligated to modify accounts that are inaccurately reported.

As outlined in 15 U.S.C. 1681s-2 ( A ) ( 1 ), a person is prohibited from furnishing any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Given the disparities I have identified, it is evident that inaccurate information has been provided to these agencies. 

I urge you to conduct a thorough review of my dispute and take prompt corrective action to rectify the inaccuracies in accordance with the FCRA. Failure to address this matter appropriately may compel me to pursue legal remedies available under the FCRA to safeguard my federally protected consumer rights to privacy and confidentiality. 

Your immediate attention to this matter is appreciated, and I anticipate a resolution within the legally mandated time frame.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 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: PA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: WA

Complaint narrative:
Through Rocket Mortgage 's website, I applied for the biweekly payment program. Payments are scheduled every two weeks, with 26 payments per year. I made the first biweekly payment on XX/XX/2023. On the Rocket Mortgage website, it says " XX/XX/XXXX Your {$2400.00} payment has been applied. '' I also made some extra principal payments ( separate from the biweekly ), and it says the same thing for them ( e.g., " XX/XX/XXXX Your {$1000.00} payment has been applied. " ). Today I went into the website and if you scroll down below all those entries, it says " Partial payment ( unapplied ) {$2400.00} '' as of today. And I can see that the {$2400.00} has not reduced my loan balance at all. 

Today I chatted with Rocket Mortgage and he said that in fact the biweekly payments are NOT applied to my loan until I make a full payment. So the payment is NOT applied -- in contrast to what it says above on the website. The chat representative explained that " if online says unapplied it is being held in unapplied. '' Then he added that " So we never stated that the half payment would be applied directly. The true benefit of biweekly autopay is that the 2 half payment are being applied to principal that will shorten the loan term and help save money on interest. If you want the funds to be applied right away, you would need to schedule the monthly payment in full. '' When I asked what " unapplied '' means, the representative answered " Unapplied to a 'cold account ' that is where we hold funds until the payment is received in full. '' When I signed up for biweekly payments, it did not say that they would hold my money until a full payment was made. Rocket Mortgage is holding my funds -- without notice unless you dig down into the website. They are holding that money in an account ( presumably ) where they earn interest on my money while they of course are charging me interest on my loan. Obviously it's fine that they are charging me interest on y loan, but they should either ( 1 ) state clearly that they will just hold the money for their own benefit until I make my second payment to bring it to the full amount due OR ( 2 ) apply it immediately to my loan balance ( which is what is suggested when the website says " Your {$2400.00} payment has been applied '' ). This is deceptive and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: PA

Complaint narrative:
As stipulated in 15 USC 1681 section 602 ( a ) of the FCRA, it is mandated that consumer reporting agencies conduct their responsibilities with fairness, impartiality, and a profound respect for the consumer 's right to privacy. I am particularly attentive to the principles outlined in 15 USC 6801, which underscores my prerogative to safeguard the privacy of my personal information.

Moreover, 15 USC 1681 section 604 ( a ) ( 2 ) specifies that a consumer reporting agency may furnish a consumer report solely in accordance with the written instructions of the respective consumer. In light of this, it is crucial for consumer reporting agencies to uphold reasonable procedures to prevent violations and to restrict the furnishing of consumer reports to specific purposes, as outlined in section 1681b.

After a thorough examination of my credit report, it has come to my at
tention that certain accounts may not be in compliance with these regulations. Specifically, I am requesting the removal of the following accounts : XXXX XXXX XXXX - Balance : {$13000.00} XXXX XXXX XXXX- Balance : {$3300.00} In accordance with my rights afforded by 12 CFR 1016.7, I am exercising my right to opt out of certain information sharing practices. Additionally, pursuant to 15 U.S Code 6802, as a financial institution, I kindly request the provision of the original contract with the original signature and creditor information associated with the aforementioned accounts. 

Thank you for your prompt consideration of this request.

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