vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 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: TX

Complaint narrative:
15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes 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 2025-01-07 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: DE

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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:
It has come to my attention that my personal information was exposed in a national data breach, compromising my sensitive data. Upon reviewing my credit reports, I identified accounts that I do not recognize or recall opening. I submitted a request to the Consumer Reporting Agencies ( CRAs ) for validation of these accounts ; however, the required documentation has not been provided as mandated under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ). This failure to validate the information and the presence of unverified accounts on my credit report raises significant concerns about the accuracy and security of the data being reported. To address this matter, I have filed an FTC complaint regarding the breach and the unrecognized accounts and attached supporting evidence, including my government-issued ID, a copy of the FTC complaint , the National Data Breach Notification report, and a prior Validation of Debt letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
The card is XXXX XXXX Synchrony Bank XXXX I disputed XXXX charges from XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I paid for services from this company and their physician that I NEVER received. I paid {$700.00} for integrative testing that was to include consultation and physicians interpretation. I completed the test but did not receive the consultation or interpretation. I had XXXX other disputes for {$250.00} that took MONTHS to resolve but eventually got resolved. The {$700.00} dispute is NOT resolved. I disputed this numerous times. I attempted to work with Synchrony and specifically tried to explain that the burden of proof is on the physician. The physician needed to prove that I received the services of consultation and interpretation of my test results that I paid for. Synchrony repeatedly closed the claim without providing this and stating that I did not provide supporting documents for my dispute. I provided the only supporting documents that I could provide since I did NOT receive the service at all. I provided the documents to synchrony numerous times and dispute dept would say they didnt have it. I then was given a fax number to provide the documents. I faxed the documents and have proof that the fax was received and synchrony closed the dispute again anyway. I requested that synchrony tell me what did they need from me. I never got a reply. I contacted Synchrony XXXX XXXX Relations and received letters but still no resolution. I was told by XXXX XXXX XXXX XXXX of Synchrony XXXX XXXX XXXX that she would get back to me and she did not. I called and left multiples messages but to no avail. Her number is XXXX x XXXX I also received a letter from XXXX XXXX XXXX Synchrony XXXX XXXX XXXX. I spoke to her once and she also said she would get back to me and she did not and did not return my calls. Her number is XXXX x XXXX. In addition to this the agents in this particular dispute dept are unprofessional and rude.To the best of my knowledge I have done everything that I can. I deserve this money back because I did NOT receive the services that I paid for but Synchrony is not properly disputing this claim and they dont respond to me they just keep closing the dispute. I am filing this praying that Synchrony will be held responsible for their actions and pray that this dispute get resolved. PLEASE take this seriously and hold Synchrony accountable and Please get back to me. ALSO want to note that I recently received notification that Synchrony REMOVED comments from my credit statement pertaining to my disputes. Now WHY would Synchrony do that? Its is suspicious to me.

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 monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Incomm Holdings Inc.
State: LA

Complaint narrative:
purchased debit visa gift card. sent card by mail. card not delivered. called Vanillagift card to ask if card had been used. Vanilla put hold on card. Card returned by XXXXXXXX XXXX  to me. Card can not be activated because Vanilla gift has hold on card. Have made numerous calls and emails to vanilla customer service to activate card. calls to customer service are recorded messages referring caller back to website. Website has messge site out of service try later. Have been trying for over a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: GA

Complaint narrative:
RE : Account # To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( Equifax, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: GA

Complaint narrative:
RE : Account # To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, Experian, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me 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 explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Our loan has been sold to different servicer. We had to modify our loan several times the latest was with the loan servicer we now have according to them we where delinquent with our loan for XXXX and when I asked for what months were where delinquent they sent me months of delinquency I sent them proof that those monies had been paid, then they came back and said that funds had been placed in the I applied which we dont know what that means. This forced us to modify or we were going to be foreclosed on. We told them that if we were behind for that large amount we would still be living in our home. The servicer didnt care therefore forced us into a new modification which put us in XXXX more years of mortgage. We have asked for an explanation and they havre provided it but we dont understand it we have asked to speak to someone in the loan servicing dept but they will not speak to us only they e-mails but lately have not even answered those. This has been going on since 2018 in which our loan has been back and forth with other loan servicer and now back to his servicer we are currently on which is the one that formed us into modification.

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Trans Union XXXX XXXX XXXX is blocking me from not only accessing my personal credit report, they are also blocking me from disputing inaccuracies on my personal credit report. 

I have multiple inaccuracies on my personal credit report including an address that is showing on my personal credit report. I have informed Trans Union of this information and they refuse to update the information requested and refuse to remove the inaccuracies. 

I have provided a copy of my FTC XXXX theft report, along with a police and proper identification as requested. I have been a victim of multiple data breaches which has impacted my personal credit report and I have informed the credit bureaus of this information as well.

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 2025-01-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FinCo Services Inc DBA Current
State: GA

Complaint narrative:
XX/XX/XXXX To Whom It May Concern, I am submitting a formal complaint against both Current ( Finco Services , Inc. ) and XXXX XXXX XXXX regarding their lack of action on a large chargeback involving my son 's teen prepaid card. 
Summary of Events : On XX/XX/XXXX, my son noticed several fraudulent transactions on his Current card. He quickly noticed that there were XXXX unauthorized transactions. These included : XXXX transactions at a gaming site, XXXX ( https : //blitz.gg/ ), totaling {$100.00} ( XXXX transactions of {$5.00}, XXXX of {$20.00}, and XXXX of {$35.00} ). 
XXXX large transaction from XXXX ( XXXX XXXX XXXX  ) for {$480.00} ( transaction ID XXXX on XXXX at XXXX ). 
To clarify, my son never initiated any of these transactions and has never shared his card with anyone. His card was likely compromised or skimmed prior to XX/XX/XXXX. 
On XX/XX/XXXX, I contacted Current customer support via their app to report the fraud. I was instructed to wait until the transactions cleared before submitting a chargeback. In the meantime, I canceled his card and was issued a new one. I then submitted a chargeback for all XXXX fraudulent transactions on XX/XX/XXXX. 
XXXX of XXXX : XX/XX/XXXX : XXXX credit was issued for all transactions except the XXXX charge ( {$480.00} ). 
XX/XX/XXXX : The disputes for the XXXX smaller transactions were resolved in my favor, and the total of {$100.00} was credited to my son 's account. 
XX/XX/XXXX : I reached out to inquire about the XXXX charge and was informed that no dispute had been filed for the {$480.00} transaction, though no clear explanation was provided as to why. Given that I had filed a chargeback for all XXXX transactions, this was a confusing and frustrating response. 
A supervisor later emailed me stating the same. I asked to submit a chargeback for the XXXX charge, and I requested an expedited process. ( please see attached email exchange ) Ongoing Issues : On XX/XX/XXXX, I contacted customer service again, only to experience further delays and unhelpful responses. The agent insisted that I resubmit the chargeback, despite the fact that I had already done so, and no progress had been made. 
This situation has resulted in my XXXX son being denied access to {$480.00}, which is rightfully his. The entire customer service experience with Current has been abysmal, with agents who are unhelpful and repeatedly place customers on virtual hold without offering any resolution. 
XXXX Requested : I am requesting the immediate reimbursement of the {$480.00} for the XXXX transaction to my son 's account. This ongoing issue must be resolved promptly. 
Please contact me if you require any further details or documentation to assist in resolving this matter. 
Thank you for your attention to this issue. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-07 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 would like an immediate removal of those items on my credit report. I have enclosed all accurate information for the credit reporting agencies to remove all negative items affecting my credit report. I have contacted both the creditor and the credit reporting agencies requesting removal due to being a victim of identity theft.

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 2025-01-07 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: CA

Complaint narrative:
I would like an immediate removal of those items on my credit report. I have enclosed all accurate information for the credit reporting agencies to remove all negative items affecting my credit report. I have contacted both the creditor and the credit reporting agencies requesting removal due to being a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: MS

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 






XXXX XXXX Account XXXX : XXXX XXXX Account 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 2025-01-07 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: IN

Complaint narrative:
Hi, I am requesting an investigation into these accounts, as there appears to be a misunderstanding regarding their accuracy on my credit report. These accounts were removed previously but have been added back without my awareness. I was not notified of their return, nor have I received any communication about this by mail.

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 2025-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I was contacted by mail from a their-party company by the name of XXXX XXXX  XXXX about collecting a debt for Nordstrom Credit Card Services . On my credit profile it shows under my XXXX report as account charged off by Nordstrom for the amount of {$340.00}. I sent out a letter to XXXX XXXX XXXX at the address listed on the mail and online ( same address ) about this matter. On XX/XX/year> my letter was received and picked up by XXXX XXXX XXXX  at their listed address. In this letter I included that I would like to come to a settlement option. With these terms I included that I would like to have a response within 14 days of receiving my letter. I have USPS tracking to provide proof. I sent the letter by certified mail. Please note that my offer the company is not an acknowledgement of the validity of the debt but is a goodwill effort to resolve this matter. It is their obligation under the Fair Credit Reporting Act ( 15 U.S. Code 1681s2 ) to ensure the accuracy and completeness of the information that is being furnish to credit reporting agencies. 

They have not responded to me. The USPS tracking number is XXXX

Company response to consumer: Closed with explanation