vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I have had an account with Synchrony Bank since XXXX. Made my payments on time, paid almost XXXX in XXXX, leaving like a XXXX or XXXX balance. When I did that they dropped my credit amount to XXXX. I even disputed the credit amount in writing but it was denied. I ended up paying it down to XXXX about XXXX to 4 months ago, then paid it off. Now they have closed my account. I have an appointment XX/XX/XXXX with my dentist to get some work done, was going to use the card to do this because its a little expensive. Also, my credit score dropped XXXX points with XXXX due to this account being closed. I am currently trying to build my credit so we can purchase a house. This has definitely took that chance away at no fault of my own. I feel like I have been singled out, there are millions of people with these cards, as soon as I paid it down to XXXX they lowered my credit amount to that. Then when I paid it off it wasnt no time after that they closed my account. I dont have any revolving accounts, my house was sold and that loan is paid off, my payment history is 100 % with my credit cards, and actually my credit score was XXXX when they closed my account, now its XXXX. Like I said, I was singled out for no reason.

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 2023-05-24 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Letter to all 3 credit bureau 's Collections : XXXX. XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX, Balance {$610.00}, Original Creditor Name XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX, XXXX {$380.00}, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$9300.00} Date Opened XXXX XXXX, XXXX, Original creditor : XXXX XXXX XXXX Closed / Charge Off : XXXX XXXX XXXX XXXX XXXX Report XXXX : XX/XX/XXXX Balance {$76.00}, Credit Limit {$200.00}, High Credit, Available Credit {$120.00}, Date Opened XX/XX/XXXX, Date Reported XX/XX/XXXXXXXX XXXX XXXX XXXX Report Date : XX/XX/XXXX Balance {$1000.00}, Credit Limit {$750.00}, High Credit, Available Credit $ XXXX, Date Opened XX/XX/XXXX, Date Reported XX/XX/XXXX, Date of Last Activity, Date of First Delinquency XX/XX/XXXX XXXX. XXXX XXXX XXXX Report Date : XX/XX/XXXX Balance {$0.00}, Credit Limit {$150.00}, High Credit Available Credit {$150.00}, Date Opened XX/XX/XXXX, Date Reported XX/XX/XXXX, Date of Last Activity, Date of First Delinquency XXXX XXXX XXXX. XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX, Balance {$610.00}, Original Creditor Name XXXX XXXX XXXX XXXX XXXX Opened XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX, Balance {$380.00}, XXXX XXXX XXXX  Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing the validity of the above listed collections and closed/ charged off account. I request to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my wet signature. Name and full address of the original creditor. Payment history and itemizes billing to go with all collection and closed/ charged off accounts listed above. Proof of ownership from the listed collection company and the closed/ charged of accounts listed above. If you cant provide me with this information within 30 days, I demand that these accounts be remove from my credit report immediately as neither your agency nor I can verify that they are reported accurately. 
Sincerely, 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 2023-05-25 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: TX

Complaint narrative:
THE INFORMATION AND ACCOUNTS THAT SHOWS ON MY CREDIT REPORT ARE INACCURATE. THESE ACCOUNTS DO NOT BELONG TO ME. PLEASE REMOVE THESE ACCOUNTS OFF 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 2023-05-24 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: GA

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: FL

Complaint narrative:
There are a lot of inquiries on my Credit Reports that should not be. I called the dealership and was told that I needed to contact the credit bureaus. I called XXXX and was informed to file a police report. I am not claiming that my identity was stolen I am stating that the dealership was only given permission to run my credit through one creditor and that is not even on the report. I see certain ones on there multiple times a day apart as if they were continuously attempting to run my credit. The following needs to be deleted from my reports. 

EQUIFAX : XXXX XXXX ( is on there 3 times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: WV

Complaint narrative:
I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report.

I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report.

According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible.

Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know.

I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24 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: Summit A*R, Inc.
State: FL

Complaint narrative:
I am contacting you to request the immediate deletion and removal of the accounts and information listed below from my consumer report. It is evident that these accounts and information should not be included in my consumer report, as their presence constitutes a direct violation of both the FDCPA and FCRA. I insist on their prompt deletion and removal from my consumer report to rectify this violation of multiple laws. Kindly take immediate action to remove these accounts and information without delay.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: FL

Complaint narrative:
There are a lot of inquiries on my Credit Reports that should not be. I called the dealership and was told that I needed to contact the credit bureaus. I called Transunion and was informed to file a police report. I am not claiming that my identity was stolen I am stating that the dealership was only given permission to run my credit through one creditor. I see certain ones on there multiple times a day apart as if they were continuously attempting to run my credit. The following needs to be deleted from my reports. 

XXXX : XXXX XXXX ( is on there 3 times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXr XXXX XXXXXXXX XXXX XXXX TRANSUNION : 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 explanation
Consumer complaint received 2023-05-24 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Subject : Request for Immediate Access to My Free Annual Credit Report - Asserting My Rights under FCRA Dear TransUnion, I am writing to express my dissatisfaction regarding the ongoing dispute that I have with your company. While I understand that there may be unresolved issues, I would like to remind you of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 

According to the FCRA, I have the right to access my free annual credit report at any time, regardless of whether there is an active dispute in progress. This right is fundamental to my ability to monitor and manage my credit profile effectively. Denying me this access is a violation of my rights as a consumer, and it is both disappointing and unacceptable. 

I urge you to rectify this situation promptly by providing me with immediate access to my free annual credit report. Furthermore, I request that you review and familiarize yourselves with the provisions outlined in the FCRA to ensure compliance moving forward. 

Please consider this communication as a formal request and a reminder of my rights under the FCRA. I expect a timely and satisfactory resolution to this matter. Failure to do so may result in further action being taken to protect my consumer rights. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, 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 2023-05-24 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: GA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Subject : Urgent Request for Immediate Removal of Fraudulent Hard Inquiry by WF CRD SVC from XXXX Credit Report Dear WF CRD SVC, I hope this letter finds you well. I am writing to bring to your immediate attention a pressing matter concerning a fraudulent hard inquiry that was conducted by WF CRD SVC on my XXXX credit report. This unauthorized, unverified, and fraudulent inquiry, which occurred on XX/XX/2021, raises serious concerns regarding potential fraudulent activity. In light of this grave issue, I kindly request your urgent action to rectify this situation by promptly removing the fraudulent inquiry from my credit report, in strict adherence to the Fair Credit Reporting Act ( FCRA ). 

Upon conducting a thorough review of my XXXX credit report, I discovered an unverified hard inquiry associated with WF CRD SVC on XX/XX/2021. I want to emphasize that I did not authorize or initiate this inquiry, and its presence on my credit report is both unwarranted and deeply troubling. Fraudulent activity of this nature can have severe ramifications, impacting my financial well-being and tarnishing my creditworthiness. 

As a consumer protected by the FCRA, I am entitled to accurate and reliable information on my credit report. It is paramount that any fraudulent or unauthorized entries are swiftly investigated and expeditiously removed to preserve the integrity and validity of my credit history. I kindly request your immediate attention to this matter, conducting a thorough investigation into the origin of this fraudulent inquiry, and taking all necessary measures to rectify the situation. 

I urge you to treat this matter with the utmost urgency and prioritize the removal of the fraudulent hard inquiry conducted by WF CRD SVC from my XXXX credit report. I expect your full cooperation and strict adherence to the FCRA regulations in ensuring the protection of my consumer rights and the restoration of my creditworthiness. 

Thank you for your immediate attention to this matter. I anticipate a swift resolution to this issue and request timely communication regarding the actions taken to address this fraudulent inquiry. 

Sincerely, 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 2023-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Source Receivables Management LLC
State: CT

Complaint narrative:
XX/XX/2023 Called Source Receivables Management with whom my sprint debt was sold to to obtain account number so as to make payments via the website. XXXX XXXX the agent who picked my call refused to give me the account number she just kept saying how are you paying today, I said to her well i'm not paying anything today but I would like to have my account number she kept talking over me about paying, then she offered me a discount and asked for payment and I kept telling her this is not what I called for today may I just please have the account number at this point she is still asking for payment, she was extremely rude, she does not listen and this is not the best way to go about getting payment. I was speechless.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XX/XX/XXXX -- I constantly look back over this Loan. The more I look, I always find Fraud. I can't believe HUD or the attorney I hired didn't see these things. On XX/XX/XXXX, Bank of America put a Subordinate Security Insurance given to Housing and Urban Development on this Loan. This added {$14000.00} to this Loan. Payment is due payable on XX/XX/XXXX. My husband and I don't know what this is. We never saw this note. A document supposedly my husband 's signature, dated XX/XX/XXXX, was attached. This also is a blackout document with only the last 3 digit showing. FHA case no. blackout except last 4 no. XXXX. Document no. blackout except last 4 no. XXXX  The lender is under no obligation to refinance. Borrower shall make payment on XX/XX/XXXX each monthly payment of principal and interest will be XXXX this will be a part of a large monthly payment required by the security instrument that shall be applied to principal interest. THIS IS RETALIATION!!! DO HUD REALIZE!!! We have Never Miss A Mortgage Payment. XXXX XXXX XXXX. Put our mortgage in Foreclosure!! 
HUD took it out and put it in Covid-19 Forbearance. Once it expired we extended the times. WE WANT TO PAY TO HAVE AN AUDIT DONE ON THIS LOAN

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 2023-05-24 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:
I do not recognize nor did I authorize it. I have never received any funds from them nor any lines of credit issued or utilized by myself. I never verbally or in writing gave anyone from the below companies permission to use my Personal information privately or publicly or in any sense to share. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24 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: CA

Complaint narrative:
So I sent a letter off on XX/XX/2024. To remove XXXX XXXX XXXX Information that I do not want on my credit report. According to the fair credit report act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my personal information to third party people. 
These are clear violations of my federally proceed consumer rights.

According to the fair credit report act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my personal information to third party people. These are clear violations of my federally proceed consumer rights 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24 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: CA

Complaint narrative:
Please remove these late payment remarks

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 2023-05-24 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: SC

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. 

ACCOUNT : XXXX XXXX XXXX # XXXX and ACCOUNT 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 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 2023-05-24 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: Experian Information Solutions Inc.
State: SC

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. 

ACCOUNT : XXXX XXXX XXXX # XXXX and ACCOUNT 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 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