vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-14 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX Potentially negative Date XXXX XXXX XXXX. {$590.00} written off. 
XXXX Potentially negative Date XXXX XXXX XXXX. {$190.00} written off. 
XXXX XXXX XXXX Potentially negative Date XXXX Balance {$5400.00} StatusAccount charged off. {$5700.00} written off. {$5400.00} past due as of XX/XX/XXXX. 


The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Synchrony Bank is responsible for lowering my credit rating. They are lowering it not through me missing payments but by lowering my credit limit. I have not missed any payments with Synchrony Bank and every month they report paying as agreed to the credit reporting agencies. I applied for a card with Synchrony Bank during a time when my pet needed surgery. Synchrony Bank approved me for a line of credit of {$1600.00}. I did not need the full {$1600.00} and was carrying a balance on the card 50 % of the limit at its highest. Synchrony Bank evaluates the credit of their customers periodically. During my last evaluation Synchrony Bank felt as if my credit worthiness was minimal and my score was low. Synchrony Bank decided that because of this they would lower my credit limit to {$1000.00}. This decrease was 60 %. With me carrying a 50 % to limit balance month to month my debt to limit ratio was raised costing me XXXX points on my XXXX score. There was a point in time when I struggled financially due to other factors and I was late on bills and even filled XXXX. All of those things have been on my report since I applied for a Care Credit Account through Synchrony Bank. Synchrony Bank listed reasons as to why my limit was decreased : Lack Of Real Estate Secured Loan Information This is WRONG. I have a mortgage from XXXX bank that is serviced by XXXX XXXX Services. I opened the mortgage on XX/XX/XXXX and for the last 24 months it is paid as agreed. XXXX does not report my mortgage but XXXX does. 

Too Many Revolving Accounts With High Balance Compared To Credit Limit This is correct but everything is paying as agreed and will be brought to a zero balance by the end of the 1st qtr of this year. If this is the case why would you lower my limit so that my credit file will reflect cards with high balances. 

Too Many Bankcards With High Balance Compared To Credit Limit This is correct but everything is paying as agreed and will be brought to a zero balance by the end of the 1st qtr. of this year Too Few Accounts Paid as Agreed- there has been longer than 24 months since I had an account that was not paid as agreed I am in the process of improving my credit and on track to refinance and make major purchases in the first qtr of XXXX. 

I am attaching documentation of my mortgage, and the part that Synchrony Bank plays in lowering my credit score.

I have 100 % of the time paid as agreed with Synchrony Bank and they should not do anything to destroy me financially.

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 2022-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ENOVA INTERNATIONAL, INC.
State: NV

Complaint narrative:
I have been trying to get this removed from my credit report. i never received a loan deposit from NetCredit in XX/XX/2021. I have tried to call to have it removed and they have not removed it. i have attached bank statement

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern TransUnion XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX , FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last XXXX  months, or the last XXXX  years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX , FL 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 2022-01-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX THESE NAME XXXX DO NOT BELONG TO ME XXXX XXXX XXXX XXXX  XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IN

Complaint narrative:
I own 5 rental homes and have mortgages on all five ( with three different mortgage companies ; New Rez/Shellpoint XXXX XXXX XXXX XXXXXXXX XXXX and XXXX ). 

XX/XX/XXXX- my insurance company, XXXX XXXX, sent each mortgage company a declaration page covering all five homes in the amount of {$4900.00}. After sending out the main declaration page for all five homes, my insurance agent ( XXXX with XXXX XXXX XXXX XXXX XXXX ) immediately sends the mortgage companies a breakdown of how much to pay towards each home ( between $ XXXX {$1000.00} per home ). 

Each mortgage company pays the insurance premium then, recalculates the escrow based on any increases in taxes and insurance from the previous year. This has been set up between my mortgage companies and my insurance company, in this way, for 15+ years. 

Note : New Rez/Shellpoint holds the mortgages for three of my five rental homes. They paid the correct amount of insurance on two of the homes but on the third home they paid the master total of {$4900.00} for all five homes. 

XX/XX/XXXX, I received a check for overpayment from my insurance company. I immediately contacted New Rez and told them to put it back into my escrow so I wasn't short. I paid the overpayment directly back into escrow over the phone. 

XX/XX/XXXX I received an escrow analysis stating they are increasing my monthly mortgage payment due to an increase in my homeowners insurance and shortage of escrow. 

Summary : New Rez made an incorrect payment into the escrow of one home causing that mortgage to increase by $ XXXX. I have been making weekly phone calls trying to get this resolved since XX/XX/XXXX. With each phone call I am told they would be getting a new declaration page from my insurance agent at the number verified XXXX, and will issue a new escrow analysis within a few days. 

I have the names, dates, times, and notes of every phone call. I have a record of agents opening a ticket then closing it the next day without any changes being made. I have agents calling themselves Supervisor when they were simply a team lead who couldn't come to the phone upon a follow up phone call the following week ( supposedly only supervisors are able to take calls ). 

This, along with my social security income, is my retirement income. I count on the money I get from the rent on these houses. A {$400.00} a month increase in my mortgage will bankrupt me within the year. Someone needs to make the corrections necessary to fix this problem before my next payment is due XX/XX/XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HYUNDAI CAPITAL AMERICA
State: SC

Complaint narrative:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

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 2022-01-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Starting around 2004 I took out loans with Sallie Mae. In no way did my school explain to me that they were private loans. Now the loan servicing center Navient is trying to make me pay XXXX back to them. I did not even know who navient was until they started hounding me. I have tried to work with them but I am currently behind. I can't pay this ridiculous amount and I don't feel I owe it especiallywhen Sallie Mae was the servicer and apparentlysold my loans to Navient. It's a shame a school would continue to ask so much tuition that they have to result to tricking people into private loans and loan money that they know borrowers won't be able to pay back. I'm in my XXXX year of teaching and can't think about retiring because of Navient. They are also hounding my XXXX XXXX XXXX mother who was my cosigner. Nothing they have told me was true even to the point that they promised if I made 12 payments of XXXX a month they would release my cosigner and then they didn't honor it. In trying to do this I almost lost everything I have and even my spouse. It doesn't matter if you get the company to investigate its own people, they are not gon na be for the borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have an auto loan from XX/XX/XXXX that was bought from a different account holder last XX/XX/XXXX. My new account holder, XXXX XXXX, informed me that they would begin reporting this debt, my payment history, and the age of account beginning in XX/XX/XXXX. Once it did not appear in XXXX, I called XXXX XXXX to confirm their reporting. XXXX XXXX confirmed they first reported in XXXX, as they had told me in XXXX. I then called Experian and filed a dispute. The person seemed as though they were " fake taking '' a claim, not finding out all of the information before trying to hang up. I kept having to volunteer more information that the agent should have already been asking. I let them know I have an additional debt ( more debt I am carrying than they are reporting ) and that exceptional payment history should be attached, it would show an open account, and it would show the age of that account which began on XX/XX/XXXX. All of these factors affect credit scores! I have a mortgage that would very likely be at a lower interest rate if my report had been accurate. I attempted to call again today before filing a complaint, but I became extremely frustrated that I could not get transferred to a live person, Experian told me to " call back some other time '' and disconnected the call. My next email will be to file a complaint with the office of XXXX XXXX, XXXX of Texas and to any other agency that pops up in a search. I am so appreciative of your agency assisting regular people like me to help fight the big dog. Experian is incorrectly reporting my credit summary and it urgently needs to be rectified.

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 2022-01-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Relin, Goldstein & Crane, LLP
State: NY

Complaint narrative:
I received an complaint regarding a disputed debt on my credit report. After the account was unable to be verified it was removed from my credit report. The company XXXX XXXX then filed a complaint suing me for this account. I received a copied contract with an electrotonic signature as verification from their lawyer firm Relin , Goldstein & Crane LLP. This very same contract was sent to my father claiming him to owe the same debt with the same electronic signature. I advised the lawyer firm of this inaccuracy to then receive papers in the mail for a judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: AZ

Complaint narrative:
This is my SECOND complaint. Experian is violating my rights as a federally protected consumer under 15 USC chapter 41. There are 2 hard inquiries on my credit report that I did not give consent to be furnished. I sent an Affidavit of Truth to Experian on XXXX/2021 ( attached ). Experian responded stating I gave them limited amount of information and that they were not honoring my request. It also stated on page 2 that the response was in reference to hard inquiries on my credit report ( both attached below ). My Affidavit of Truth and exhibit of proof clearly showed that the Affidavit of Truth was in reference to the hard inquiries shown on my credit report and that I wanted them removed. They were highlighted in yellow. Experian was also never given my written consent to furnish any of those on my credit report, violating 15 USC 1681b ( a ) ( 2 ). I gave them everything they needed to take the inquiries off. 

I filed a complaint via the CFPB on XXXX XXXX in regards to Experian 's lack of compliance to my Affidavit of Truth. They responded stating, " These inquiries display on your credit report when it is accessed by others with permissible purpose ''. I never gave Experian written consent to display any hard inquiries 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 non-monetary relief
Consumer complaint received 2022-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express is performing an adverse action against me as the consumer according to 12 CFR 1026.13. American Express continues to ask for additional unneeded information to process my applications. I have sent my W-4 which entails all information needed. American Express has done hard inquiries on my credit and seemingly is opening accounts in my name. Which are not under my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: CarMax, Inc.
State: AZ

Complaint narrative:
Under 15 usc 1681n ( b ) Civil liability for knowing noncompliance, They have used my credit card and the inquiry is a receipt of the transaction that took place. I did not authorize this transaction 15 usc 1681a Exclusions.. 15 usc 1681a ( 4 ) infringed upon my right to privacy

Company response to consumer: Closed with explanation