vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I received a voicemail today notifying me of a " complaint or civil suit '' being filed against me, was instructed to call XXXX to discuss my case with the legal firm handling my case. I called the number and was routed to a person named " XXXX XXXX '' ( her direct line : XXXX ) of XXXX XXXX XXXX XXXX ( at XXXX XXXX XXXX XXXX, XXXX, CA ) who informed me that Synchrony Bank was suing me for {$3300.00} for an " outstanding debt '' on their Care Credit card. This amount included court fees and other penalties. The original debt was for {$2300.00}. I informed XXXX that I paid this debt off long ago in XXXX to a collection agency and had the paperwork to back it up. She attested that if I did not have a " Liability Release '' form that I still owed the debt to Synchrony Bank. She claimed two attempts had been made to issue me a summons via a courier - one to an old residence and one to my current residence. I pointed out that Synchrony Bank had issued me zero correspondence about this supposed debt over the last 11 years and wasn't it a bit odd that I would suddenly receive a phone call to tell me I was being sued? She told me that I had two options - to go to court or to mediate with her, and if I chose to mediate she would issue a " Release of Liability '' but I would have to pay her " offered settlement amount '' of {$2100.00} on the spot. I replied, " No disrespect, but how do I know YOU'RE not scamming me? '' She laughed and said she completely understood why I might feel that way. I told her I needed some time to go through paperwork and she offered to extend a " courtesy EOD hold '' to keep my case from going to court but that when I called back, she would have to go through the mediation process again but couldn't guarantee she could " offer '' me the same settlement amount, it might be higher. I agreed to accept these terms and did some digging. Synchrony Bank attests that my account was deleted on XX/XX/XXXX - the day that they sold it to XXXX XXXX. XXXX, the debt collection agency. XXXX attests my account was paid off in full and provided all the paperwork. I spoke to a lawyer who attested that this is indeed a scam, and that this " law firm '', who does not even appear in a XXXX search had likely bought a list of debts owed from Synchrony Bank, and were going after people to try to get money from them. This is the 3rd or 4th call I have received in the last 3 months regarding this same debt, from 2 different " companies ''.

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 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
Transunion is reporting XXXX inquires on my report, that I didn't authorize. I advised them, and still not removed. Please remove inquries 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 explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
See attached documents. I'm really upset that they are showing up on my credit report. This is extremely humiliating. I really felt down that you guys have to let me go through this. I want the company to remove it 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 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Yall are reporting 14 late payments from accounts that have been closed or paid off thats not fair those accounts are from identity theft issues and Im still paying for the prices someone else has to me its not far that third party can stalk my credit and yall report the stuff, by law it cant be done and shouldnt be done but yet yall has done so please take this of my credit please Im asking yall its been years Ive been reaching out to yall spending money that I dont have not fair please remove them

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 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, 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:
15 USC 1681C-2 " EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION, A CONSUMER REPORTING AGENCY XXXX XXXX THE REPORTING INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THT RESULTED FROM AN ALLGED IDENTITY THEFT '' PLEASE REMOVE THESE ITEMS AS IT IS A VIOLATION TO MY CONSUMR RIGHTS

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 2023-05-10 00:00:00
Product: Student loan — Private student loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. FL XXXX XXXX 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I have had this account for over 10 years. And out of nowhere a hold was put onto my account and I have not been able to get money out or pay my bills. The reason I was told was because they didnt have my social security number on file. But when I opened the account I did so in a branch location with my social security card and government ID. So upon learning of the hold I went to a branch location and provided them with my social security card and ID but they still wont unfreeze my account. They wont even let me close my account so I can access my money. I am taking a hit on my XXXX XXXX because I cant pay my bills and I have not been giving any legit timeline on when I will be able to have my money. They cant even tell exactly why the hold is still there! So until they fix this I will be without money and have no ability to cash checks.

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 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. U.S. DEPARTMENT OF EDUCATION # XXXX, U.S. DEPARTMENT OF EDUCATION # XXXX, XXXX XXXX XXXX # XXXX FEDERAL XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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.

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 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. U.S. DEPARTMENT OF EDUCATION # XXXX, U.S. DEPARTMENT OF EDUCATION # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
See attached documents. I'm really upset that they are showing up on my credit report. This is extremely humiliating. I really felt down that you guys have to let me go through this. I want the company to remove it as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
We made our last mortgage payment with Loancare Loan Number : XXXXXXXX XXXX XXXXXXXX and we were advised late by LoanCare that new Mortgage was under XXXX XXXX. 
XXXX XXXX to date has never received payment from LoanCare to-date. 
XXXX XXXX with Loan number XXXX has put us in delinquency status because LoanCare has not paid them the last payment we made in XX/XX/XXXX. 
We have made several phone calls to LoanCare and seems that every time we call customer service is outside US and hang up on us. Several emails made to LoanCare but never got resolved. 
We were never delinquent in our Mortgage payment since XXXX. 
We need your utmost support on this issue.

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 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
See attached documents. I'm really upset that they are showing up on my credit report. This is extremely humiliating. I really felt down that you guys have to let me go through this. I want the company to remove it 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 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, 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: EQUIFAX, INC.
State: NY

Complaint narrative:
The credit reporting companies are actively preventing the calling public from speaking with a live person. The options/choices to choose from are not adequate yet it's not possible to get ANYONE to speak with and explain the reason for calling. 
Also, if pressing XXXX when calling Equifax, the caller gets cut off. 
Tried to find out what the reason is for my credit score to be quoted under XXXX. In my opinion it should be much higher if not quite a perfect XXXX! 

There is great variance ( in my case it's XXXX points ) between the lowest and highest listed by the XXXX main agencies. This is crazy and it also shows that they are doing a VERY losusy job.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Scheer, Green & Burke L.P.A.
State: TN

Complaint narrative:
I keep receiving notices of debt collection for a XXXX XXXX XXXX XXXX XXXX, under Tennessee state law this is a no impact to XXXX XXXX for the alleged offense and the verbiage contained on the collection letter gives indication of legitimate debt collection practice, but is severely overstepping boundaries. I have already made notice of dispute to all prior parties and will not tolerate contact for erroneous and frankly pointless collection of an unenforceable debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I sent certified mail to portfolio recovery on XX/XX/XXXX and asked for validation on the accounts and to send me a signed contract supporting that the account is mine. They have not sent the information except a old bill and a bill of sale. 

Portfolio recovery : ( XXXX XXXX ) opened XX/XX/XXXX. 
Amount {$1400.00} Portfolio recovery : ( XXXX ) Opened XX/XX/XXXX Amount {$8600.00} XXXX Portfolio recovery : ( XXXX XXXX ) Opened XX/XX/XXXX Amount {$2500.00} Portfolio recovery : ( XXXX XXXX ) Opened XX/XX/XXXX Amount {$5200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Incorrect personal information is being reflected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2022, I wrote to you requesting an investigation into items that I believed were INACCURATE. To Date, I have not received a reply from you or any acknowledgement that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 
Since this is my Second request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 
As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations for credit reporting agencies are regulated by the federal trade commission ( see 15 USC 41 et seq ). I am maintaining careful records of my communication with you on the matter for the purpose of filing a complaint with the FTC should you continue in noncompliance. 
Pursuant to Sec. 809 ( b ) of the Fair Debt Collection Practices Act requires that the consumer disputes the debt or requests identification of the original creditor in writing and that the collector must cease collection until he verifies the debt and mails a response. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts have hurt my ability to obtain credit. Under the FCRA unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately : Please remove all non-account holding inquiries over 30 days old Please add a Promotional Suppression to my credit file Please remove all accounts that are not Metro 2 Compliance

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 2023-05-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: CA

Complaint narrative:
On XX/XX/2023 a collection account not belonging to me and that I'm not responsible for was reported to my XXXX credit report by " Rent Recovery Solutions LLC ''. Upon calling them, they couldn't find my information and told me if they reported it to the credit agency was because that's the information they received from the original creditor, then I asked them, how come you report someone information that you can't even verify and find the information in your system, then told me to call the original creditor ; upon calling the original creditor, they told me that they don't have no one and never had no one in with my information living there ( SSN.DOB.NAME ) or in their system. 

I called back the collection company again and told them that I called the original creditor and that they told me, that no one with my information ever lived there. 

after doing my own investigation, the account reported to my credit report belongs to my brother, we share similar names and our SSN differ by 1 number. after contacting my brother, he said that the same collection account is showing on his credit report and that he is aware of the debt and he never used my information. 

in the attached documents you can see that the information is not mine and that's the information that Rent Recovery Solutions has in their files. My SSN doesn't end on XXXX, my name is not XXXX and I do not live in XXXX, MA. I live in California.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Block, Inc.
State: NY

Complaint narrative:
They are refusing to allow me to order a new card Denying some transactions " for my protection '' And now there is a transaction I made yesterday that's was finalized for a smaller amount than the hold and they are refusing to put the balance back talking about the hold is gon na fall off in a few days when by law once it's finalized they must release that hold and return the balance of my funds and they are refusing to do that and telling me via chat they can't provide any information on the only transaction that's missing which is the same one that was finalized this morning and the funds not returned to my account

Company response to consumer: Closed with explanation