vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-21 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: FL

Complaint narrative:
These are not mine. Please remove 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 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 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 2024-05-21 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: MI

Complaint narrative:
I recently reviey a copy of my credit report and notice 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 2024-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In XXXX of XXXX a payment was made for my Synchrony bank Amazon store card for the full amount of charges due, Leaving the account with a XXXX balance. Unfortunately, Due to fraud on a XXXX XXXX  account, completely separate from this one, I was forced to file for bankruptcy in XXXX of XXXX, however luckily With the help of loans from family and friends was able to re establish my affairs and dismiss the bankruptcy case. To my surprise and dismay, Synchrony bank had added itself as a creditor seeking relief in my bankruptcy case, seeking full relief for the bill that had already been paid since XX/XX/XXXX in full. Via a recorded conversation by me in XX/XX/XXXX With synchrony bank, in which I did advise them I was recording the call, they did acknowledge and confirm receipt of the payment made in full XX/XX/XXXX of XXXX for over {$4500.00} The Synchrony bank Representative was as confused as I was However, told me she could not see anything further on my account. I sent a letter requesting verification of payment And questioning why they had closed my account and why They were requesting full payment again When payment was already made. In return I received a letter from Synchrony Amazon store card asking If I was satisfied with the representatives assistance and nothing more. Approximately a month later I was phoned by a collection agency and also told by the collection agency attempting to collect on this account they also were very confused because they did see the payment was made in full, thus prompting the collection agency to initiate a dispute for me as well in regard to this account and this matter. My account was unjustly closed, Synchrony attempted to fraudulently collect on a debt that had already been paid, and at this point I can not even log into my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
On Tuesday XX/XX/year> I tried to request my annual credit score information from all three companies, and all three could not find me in the database, and I was unable to get my credit score. 

I pay monthly utility, and I am an authorized signer on a card with my mom. Calling these companies they simply said they could not find me and hung up

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc.
State: IL

Complaint narrative:
Southwest Recovery Services XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Has contacted me about a debt recovery on behalf of XXXX XXXX XXXX in the amount of {$490.00}. 

From XXXX Customer Service : " The {$490.00} charge was for your services being renewed. They have been trying to collect the payment for services since XX/XX/year>. Due to multiple failed transactions they have sent it over to Southwest Recovery. '' I responded : " Yes, well I do not have an annual subscription with you and never requested one. I want this debt removed '' XXXX XXXX responded : " When signed up the services you purchase were annual subscriptions. The Premium Plan and the Registered Agent service. '' I responded : " No, I never wanted an annual subscription and never availed myself to those services. I repeat, I never signed up for those services and want the debt and the debt collection removed '' XXXX XXXX Final Response : " Unfortunately, The fees can not be removed. When you placed the order on XXXX XXXX to have us file your LLC with the state you purchased annual subscriptions. XXXX XXXX is no longer trying to collect the renewal fees. 
It is best to contact Southwest Recovery directly to see what options they can offer you. I do apologize for the inconvenience. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC
State: TX

Complaint narrative:
XX/XX/XXXXXX/XX/XXXX : Mortgage company underpaid flood premium, failed to respond to underpayment notice, then took out supplemental policy without my knowledge XX/XX/XXXX : notified of escrow shortage and increasing escrow payments via escrow analysis XX/XX/XXXX : Called mortgage company and transferred to the insurance department, was told the policy was not for full coverage hence the supplemental policy, underpayment was not disclosed, but I was told that I should request a " review '' after my case was resolved, after multiple calls to insurer and mortgage company found the underpayment as root cause and paid the underage of {$440.00} out of pocket, after uploading updated flood policy with full coverage called mortgage company and asked that the supplemental policy be removed. I was assured that it was removed and requested a new escrow analysis. New escrow analysis did not reflect the changes. 

XX/XX/XXXXXX/XX/XXXX : again called mortgage company to find that the supplemental policy had not been removed. Spoke with insurance department who assured me that it would be removed, then referred me to escrow department to request escrow analysis. Escrow department then told me that changes were not reflected, they wanted to refer me back to insurance and were unable to give me any time frame or best course of action as to how to ensure the issue was resolved The issue remains unresolved

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 2024-05-21 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: NY

Complaint narrative:
I, XXXX XXXX, am writing to request the removal of unauthorized credit inquiries on my Experian credit report. My latest credit report shows 12 credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and asking for their removal from 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please have these unapproved inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance. 
Regards, 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 2024-05-21 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: GA

Complaint narrative:
Recently I looked at my credit report and I noticed several inaccuracies on one of my accounts. This account is reporting inaccurate Information. This account is reporting as a charge off with multiple late payments. I was never late making a payment on this account. This also is reporting paid and derogatory, with different dates XX/XX/year>, and XX/XX/year>, for dates opened. I need this account deleted from my credit report expeditiously. 

Account Name : XXXX XXXX Account Number : 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 2024-05-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Loan # XXXX My wife and I recently completed a VA loan assumption from Freedom Mortgage. We took over a loan from another VA qualified individual. The loan process was long ( 90 days ) and tedious. Approximately 15 days after we closed, I noticed that I was unable to login to our account page. After I called Freedom on XXXX I was informed that Freedom Mortgage doesn't allow assumptions to have online accounts and deleted my online account. I pressed further and the representative seemed to go back and forth whether it was company policy or an information system problem. As mentioned above I was able to create an account and login in to make the first payment. It seems to me I am being denied ease of information for vital consumer finance documents such as escrow account info, loan payoff, interest each month, and amortization schedules because I assumed a loan. During the loan process it was never discussed that I wouldn't have access to an online portal. There was several documents and emails outlining the online portal and how to create an account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I believe the account is invalid. VyStar Credit Union ACCOUNT needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.VYSTAR CU 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 2024-05-21 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I am rewriting this complaint to EXPERIAN that I want to dispute specific records in my credit file that are unverified, inaccurate, and it had erroneous information, particularly in regard to a bankruptcy record. Please erase the false information that keeps harming my credit report. Kindly eliminate the accompanying records as they are false and were opened without my assent or information. Please see also the attached FTC report to support this fraudulent information with the report number 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 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear CBXXXX, I am writing to address a serious violation regarding the unauthorized reporting of information to my credit report. This action is a clear breach of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as Missouri state laws concerning identity theft and fraud. 

It has come to my attention that CBXXXX has reported information to my credit report without my explicit consent. Under federal law, as outlined in the FCRA, consumer consent is a mandatory requirement for such reporting activities ( Section 1681b ( a ) ( 2 ) ). 

In addition to federal law, Missouri state law provides protection against unauthorized reporting and identity theft. Missouri Revised Statutes Sections XXXX and XXXX emphasize the need for consumer consent and establish strict penalties for the unauthorized use of personal information. 

I assert unequivocally that I have not provided consent for CB/XXXX to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, potentially damaging my creditworthiness and disregarding both federal and state laws. 

I demand that CBXXXX immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as required by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri 's identity theft laws. Failure to comply within 30 days will be considered willful noncompliance and subject to penalties under applicable laws. 

Obtaining consumer consent is a legal obligation under the specified sections of the FCRA and Missouri state law. This is a demand for compliance with both federal and state regulations to protect consumers like myself from unauthorized and harmful credit reporting. 

I expect your immediate attention to this matter and anticipate that CBXXXX will promptly rectify these violations, respecting my rights under federal and Missouri laws XXXX 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account, This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to insure accuracy. Here is the account I am asking you to verify : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: United PanAm Financial Corp.
State: AL

Complaint narrative:
Ive Been On My Credit Profile Checking My Credit Reports & I Have Inquires That I Did Not Authorize Or Have Any Knowledge Of Ive Tried Contacting The Companies & Havent Got A Response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: Global Lending Services LLC
State: AL

Complaint narrative:
Ive Been On My Credit Profile Checking My Credit Reports & I Have Inquires That I Did Not Authorize Or Have Any Knowledge Of Ive Tried Contacting The Companies & Havent Got A Response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I, XXXX XXXX, am writing to request the removal of unauthorized credit inquiries on my XXXX credit report. My latest credit report sho

ws 12 credit inquiries that I did not authorize. I am writing to dispute the followi
ng inquiries and asking for their removal from 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please have these unapproved inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance. 
Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: NY

Complaint narrative:
I, XXXX XXXX, am writing to request the removal of unauthorized credit inquiries on my Experian credit report. My latest credit report shows 12 credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and asking for their removal from 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please have these unapproved inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance. 
Regards, 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 2024-05-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TN

Complaint narrative:
This notice is for Employees at Toyota Financial Services Banking Institution and XXXX XXXX at XXXX  [ XXXX XXXX XXXX, XXXX ] Please answer the following questions : Question 1. Who is the debt collector and whos making the claim of a debt being owed? 

Question 2. Who are the witnesses of the debt alleging to be owed? 

Question 3. Did you advertise that you provide loans? 

Question 4. Are you the account holder? 

Question 5. Im I the trustee? 
If I am the trustee then Im requiring to be compensated monthly starting from the inception of the account. Trustee pursuant to the XXXX XXXX dictionary are to be compensated. 

Question 6. Im I listed as an employee of Toyota Financial Services or any entity tied to Toyota Main Corporation, its all of its entities and all of its subsidiaries? 
If so when was the interview held for employment, whos my immediate supervisor and when was the salary which would be compensated to me discussed? When were the the benefits and perks discussed with me which should be available to me as first in line as an employee?

Company response to consumer: Closed with explanation