vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-26 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: IL

Complaint narrative:
To Whom It May Concern, I am writing to dispute the accuracy of several items on my credit report. These items were previously investigated and successfully removed from my XXXX credit report between XXXX and XXXX of XXXX. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), credit reporting agencies are required to ensure the accuracy and completeness of the information they report.

Additionally, under Section 623 ( 15 U.S.C. 1681s-2 ) of the FCRA, furnishers of information are obligated to report accurate information to all credit reporting agencies. Since these items have been deemed inaccurate and removed from my XXXX report, the same action should be taken by Experian and XXXX to maintain accuracy and consistency across all my credit reports. 

Furthermore, the Fair Debt Collection Practices Act ( FDCPA ) emphasizes the importance of accurate reporting by debt collectors. Under Section 807 ( 15 U.S.C. 1692e ), debt collectors are prohibited from using false, deceptive, or misleading representations in connection with the collection of any debt. This includes the reporting of false information to credit bureaus. 

The items in question, which should also be removed from my Experian and XXXX credit reports, are as follows : XXXX. Item : Address XXXX XXXX XXXX, XXXX ; XXXX - Dispute Confirmation Number : XXXX - Date of Deletion : XX/XX/year> XXXX. Item : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Dispute Confirmation Number : XXXX - Date of Deletion : XX/XX/year> XXXX. Item : Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Dispute Confirmation Number : XXXX - Date of Deletion : XX/XX/year> XXXX. Item : XXXX XXXX ( collection ) - Dispute Confirmation Number : XXXX - Date of Deletion : XX/XX/year> XXXX. Item : Inquiries for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dispute Confirmation Number : XXXX - Date of Deletion : XX/XX/year> XXXX. Item : XXXX XXXX XXXX - Dispute Confirmation Number : XXXX - Date of Deletion : XX/XX/year> I request that you reinvestigate these items and remove them from my credit report. Attached you will find all relevant documentation supporting my claim, including correspondence and my credit report from XXXX showing that these items have been deleted. 

Thank you for your prompt attention to this matter. I look forward to your confirmation that these items have been removed from 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 2024-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
When I checked out my credit profile there were some inquiries listed that do not belong 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 non-monetary relief
Consumer complaint received 2024-05-26 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: OneMain Finance Corporation
State: TX

Complaint narrative:
I am writing to dispute a charges of {$1200.00} to my credit card number ending in # XXXX. The statement is in error According to 15 USC 1666d and is showing a positive balance. 
I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 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:
On XX/XX/year> I saw multiple credit cards and accounts requested or opened in my name without my consent or knowledge. I reported the fraudulent accounts and got them resolved except for this XXXX XXXX account XXXX I got a letter on XX/XX/XXXX saying the account has been closed and pending investigation, but as of today on XX/XX/XXXX the account is still active on the credit report and has a balance for {$990.00} ( updated XX/XX/XXXX ). I called XXXX on XX/XX/XXXX to confirm the account was closed, which is not the case since it is still open and being used.

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 2024-05-26 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On XX/XX/year>, I received XXXX letters from Synchrony Bank informing me that they had closed my XXXX credit cards ( CareCredit, XXXX XXXX, Guitar Center and Musician 's Friend ) because, according to the letters, " Activity on accounts ( s ) with Synchrony Bank indicative of high risk of failure to pay. '' I have never made a late payment for any of these cards, and in fact, I have usually paid the balance in full right away. However, I have not often used these cards and Synchrony previously closed another account I had for a flooring company because I had not used the card. I have received notices for other cards that I have not used warning me it will be closed for inactivity, and I then use it for something if i want to keep it active. When I called Synchrony on XX/XX/year>, the representative first told me that they were closed because of my credit score ( my most recent score is XXXX ). When i challenged that, the rep talked to someone else and then told me that it was for some other reason related to the wording of their letters and there was nothing else she could tell me. It doesn't make sense to me, and this will impact my credit score. This appears to be a dishonest and unfair action on the part of Synchrony Bank. I am attaching copies of the letters from Synchrony as well as a copy of my most recent credit score reports prior to receiving these letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to dispute the accuracy of several items on my credit report. These items were previously investigated and successfully removed from my XXXX credit report between XXXX and XXXX of XXXX. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), credit reporting agencies are required to ensure the accuracy and completeness of the information they report.

Additionally, under Section 623 ( 15 U.S.C. 1681s-2 ) of the FCRA, furnishers of information are obligated to report accurate information to all credit reporting agencies. Since these items have been deemed inaccurate and removed from my XXXX report, the same action should be taken by XXXX and TransUnion to maintain accuracy and consistency across all my credit reports. 

Furthermore, the Fair Debt Collection Practices Act ( FDCPA ) emphasizes the importance of accurate reporting by debt collectors. Under Section 807 ( 15 U.S.C. 1692e ), debt collectors are prohibited from using false, deceptive, or misleading representations in connection with the collection of any debt. This includes the reporting of false information to credit bureaus. 

The items in question, which should also be removed from my XXXX and TransUnion credit reports, are as follows : XXXX. Item : Address XXXX XXXX XXXX XXXX ; XXXX - Dispute Confirmation Number : XXXX - Date of Deletion : XX/XX/year> XXXX. Item : XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute Confirmation Number : XXXX - Date of Deletion : XX/XX/year> XXXX. Item : Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute Confirmation Number : XXXX - Date of Deletion : XX/XX/year> XXXX. Item : XXXX XXXX ( collection ) - Dispute Confirmation Number : XXXX - Date of Deletion : XX/XX/year> XXXX. Item : Inquiries for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute Confirmation Number : XXXX - Date of Deletion : XX/XX/year> XXXX. Item : XXXX XXXX XXXX  - Dispute Confirmation Number : XXXX - Date of Deletion : XX/XX/year> I request that you reinvestigate these items and remove them from my credit report. Attached you will find all relevant documentation supporting my claim, including correspondence and my credit report from XXXX showing that these items have been deleted. 

Thank you for your prompt attention to this matter. I look forward to your confirmation that these items have been removed from 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 2024-05-26 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:
EQUIFAX and XXXXXXXX XXXX are violating my consumer rights by reporting a late payment for the Account # XXXX and dates XX/XX/year>, & XXXX and that they have not proved to be verified as accurate. ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. I called Equifax and tried to fix the matter but was unsuccessful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: FL

Complaint narrative:
I dont know this lender and dont know who they are. This is a third party lender who does not contact me nor has sent me any indication of what this is? I have no accounts with these lenders. They are showing up on my credit report. 

Through my rights, in accordance with 15 U.S. Code 1692g, I old the right to verify the total debt amount, including any fees, and who the original party that is making the claim. violation of 15 U.S. Code 1692d nd shall be subject to State and Federal penalties.

appreciate your efforts in this matter and look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: MO

Complaint narrative:
I am reporting identity theft. I checked my credit today and it dropped XXXX points from XXXX to XXXX. My husband 's score is XXXX and we share all the same accounts, so this raised major red flags. I can see on my XXXX XXXX account through XXXX that there is outstanding debt from XXXX XXXX XXXX. The collections agency is AMSHER COLLECTION SE. I have never been a customer of XXXX XXXX. I only have XXXX long-standing credit card accounts with XXXX XXXX, XXXX, and XXXX. Never XXXX XXXX. It appears the credit debt was sold to AMSHERCOLLECTIONSERVICES and that I owe {$440.00}. I have never been contacted by this company either via in person, mail or email. This Amsher Collections tried this same tactic back in XX/XX/year> where they claimed I had debt from XXXX, another company who I have never had an account with ... for the same {$440.00} debt. I filed a complaint to the Federal Trade Commission ( FTC Report Number : XXXX ) in XX/XX/year>.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
This alleged debt is does not belong to me, and under the FDCPA you have not validated this alleged debt and therefore should not be furnishing the account on my report without following the laws. I have asked for specific documents and full disclosures for me to review. Please respond with each request in full. 

If this persist I will escalate matter to Attorney General and any other FDCPA regulation company necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Unauthorized credit inquiries noted on my credit report please see attached report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of XXXX XXXX  I submitted documentation to have items removed from credit items were removed but not blocked and have returned to my credit report when I tried to dispute and resubmit original documentation they didnt not remove or block the items and since more items have returned

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 2024-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
unauthorized hard inquiries

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 2024-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
I dont know this lender and dont know who they are. This is a third party lender who does not contact me nor has sent me any indication of what this is? I have no accounts with these lenders. They are showing up on my credit report. 

Through my rights, in accordance with 15 U.S. Code 1692g, I old the right to verify the total debt amount, including any fees, and who the original party that is making the claim. violation of 15 U.S. Code 1692d nd shall be subject to State and Federal penalties.

appreciate your efforts in this matter and look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Initially, Experian removed several addresses from my credit report that do not belong to me. However, just a week later, these incorrect addresses were reinserted into my report. Despite my repeated attempts to rectify this situation, Experian has failed to maintain the accuracy of my personal information. 
Due to Experian 's erroneous inclusion of these addresses, my personal and sensitive information, including my Social Security number and date of birth, is being sent to unknown addresses. This not only compromises my privacy but also exposes me to a significant risk of identity theft, as unauthorized individuals can gain access to my personal information. 

This situation is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ) and represents a severe breach of my privacy. I request the CFPB to take immediate action to address this issue and ensure that Experian permanently removes the incorrect addresses from my credit report. Additionally, I seek assurance that all correspondence containing my personal information will only be sent to my correct and current address :

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 2024-05-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
ACCORDING TO FRCA SECTION 605B, IT IS ILLEGAL TO REPORT INFORMATION ON MY CREDIT REPORT WITHOUT MY PERMISSION, THANK YOU PLEASE REMOVE FROM MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: INDEPENDENT BANK CORP.
State: MA

Complaint narrative:
I got XXXX XXXX dollars back from Rockland Trust for larceny. They owed me XXXX more. Would not give me that and started to inflate my account with almost XXXX of others monies. It was in XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account closed end in XXXX closed XX/XX/2023. See attached documents. They previously were found guilty of a ponzi scheme. Now that investment banker there is there XXXX. I never thought I could get more than the XXXX back with a police report. I do have a police report no. ( XXXX ) XXXX. XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 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:
When I checked out my credit profile there were some inquiries listed that do not belong 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 explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This debt was removed from XXXX. However EXPERIAN AND XXXX is continuing to report these ON MY 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 explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Bread Financial Holdings, Inc.
State: ND

Complaint narrative:
XXXXXXXX XXXX. They call more than once a day, this time XXXX XXXX called, left a message on voicemail and recommended I get an attorney. XXXX XXXX phone number did not appear on my caller identification except as Unknown. Her phone call was recorded at XXXX XXXX. Sunday, XX/XX/2024 ; the second phone call and voicemail received at XXXX XXXX. Sunday, XX/XX/2024, from phone number ( XXXX ) XXXX for the call to be returned to ( XXXX ) XXXX. No name mentioned. 

Honestly, this account is on a payment plan and promise to pay, with the payment due just after the first of XX/XX/2024. 

I have threatened to sue, since they have treated me first. This is abuse, as I used to work in collections and skip tracing. The supervisor, XXXX, ( male ) asked me if I just threatened to XXXX XXXX, which I said no and I have a witness to that phone call. 

FTC, Im well aware that collectors are under the XXXX ( so to speak ) to get accounts paid and current. However, stepping over the line isnt legal. This account will be paid in a timely basis, but I am restricting all calls to only one per day, otherwise their number will be blocked and my voicemail turned off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief