vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I purchased a XXXX tree on XX/XX/XXXX for XXXX and had it shipped. it was heavy and shipped to my door. The tree was defective with limbs coming off. I called Lowe 's XX/XX/XXXX to get a replacement and have this one pick up by the shipment company. Lowe 's would only offer a 10 % discount so I told them to pick it up. Lowe 's did not have any more tree like the one I ordered. I am XXXX XXXX XXXX and I am not able to carry this heavy item. I then wrote a letter of dispute of the charge to synchrony bank. Mailed it in and never heard back. I called in on XX/XX/XXXX spoke to XXXX and she stated a letter was emailed days prior. I told her no record of a letter sent. Then the next day a got a denial letter from Synchrony Bank dated XX/XX/XXXX. Call Lowe 's store and they said they will not take back trees after XXXX. Synchrony took way to long to respond to my dispute, also charging me interest.

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 2024-01-29 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: GA

Complaint narrative:
I attended a event in XXXX and my purse was stolen that included my personal information. A police report was filed with the XXXX XXXX police department, and I was advised to continue to monitor my credit report in the future. I recently pulled a copy of my credit report and noticed accounts and inquiries I have no affiliation with or knowledge. I contacted the credit bureaus in XX/XX/XXXX and XX/XX/XXXX to request verification of the accounts. I was also informed that my information was included in an XXXX XXXX. Furnishing information to my account with my written consent or knowledge is in violation of 15 USC 1681B. 

I have thoroughly researched, and these accounts being furnished to my profile are from someone using my information without my knowledge. Furnishing accounts due to identity theft further violates my consumer rights, specifically 15 USC 1681 c-2. 

I have affiliation with XXXX XXXX or 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 2024-01-29 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: PR

Complaint narrative:
On my Credit Report there are certain accounts that I would like to see reviewed by the CFPB. The providers of these accounts continue to state that the accounts are accurate. I personally differ greatly from this. These accounts cause great distress to me and greatly affect my financial life. 

The first account is XXXXXXXX XXXX  XXXX, this account presents a False Last Payment Date, a False Closed Date and does not present a pattern of days late of XXXX days late before the account was Charge off by the account provider. ( please see payment history for reference ) The second account is XXXX XXXX XXXX XXXX, I have already disputed this account several times and the Date Update ( XX/XX/XXXX ) shows us that the account has never been previously investigated. 
The Third is XXXX XXXX XXXX, this account also presents a False Last Payment Date, a False Closed Date and does not present a pattern of days late of XXXX days late before the account was Charge off by the account provider. ( please see payment history for reference ) The fourth Account is XXXX XXXX. I have also disputed this account several times and the Date Update ( XX/XX/XXXX ) shows us that the account has never been previously investigated. 
The fifth account is XXXX XXXX, this account also has a False Last Payment Date, a False Closed Date ( please see the payment history for reference )

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 2024-01-29 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: CAINE & WEINER COMPANY, INC.
State: IN

Complaint narrative:
XXXX is displaying inaccurate and fraudulent information on my credit report. I have disputed the items and asked to be provided with validation letters with my signature. I have also contacted the other parties requesting debt validation and nothing has happened. 

My only Name is and has been XXXX XXXX XXXX my ONLY address is XXXX XXXX XXXX XXXX XXXX in XXXX XXXX is reporting Caine & Weiner, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX is reporting XXXX XXXX XXXX XXXX on my report. 

All of this companies have failed to validate produce any information signed by me with my only name that I already provided. it has been more than 90 days since I requested this information and they have yet to provide it. they claim that the information comes back as " VALIDATED '' but again I have yet to see a paper with my signature that I owe any of the creditors mentioned above.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: CAINE & WEINER COMPANY, INC.
State: IN

Complaint narrative:
XXXX is displaying inaccurate and fraudulent information on my credit report. I have disputed the items and asked to be provided with validation letters with my signature. I have also contacted the other parties requesting debt validation and nothing has happened. 

My only Name is and has been XXXX XXXX XXXX my ONLY address is XXXX XXXX XXXX XXXX XXXX in XXXX XXXX is reporting XXXX XXXX XXXX, Credit Collection Services and XXXX XXXX XXXX XXXX XXXX is reporting XXXX XXXX XXXX XXXX on my report. 

All of this companies have failed to validate produce any information signed by me with my only name that I already provided. it has been more than 90 days since I requested this information and they have yet to provide it. they claim that the information comes back as " VALIDATED '' but again I have yet to see a paper with my signature that I owe any of the creditors mentioned above.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: MA

Complaint narrative:
I reached 120 qualifying payments in XX/XX/2023 for Public Service Loan Forgiveness. However, I was forced into forbearance that month because Mohela calculated my SAVE payment amount incorrectly. Mohela has accepted my qualifying employment through XX/XX/2023. XX/XX/2023 is still showing up as " ineligible '' for PSLF in Mohela 's system because " Deferment or forbearance exists this period. '' Mohela has stated, and continues to state, that my payment will count. I've spoken to a representative at Mohela and they are unable to even give me any idea of when that payment will count. I have fulfilled my obligations for Public Service Loan Forgiveness and therefore should not be forced to wait an indefinite amount of time before someone fixes the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CO

Complaint narrative:
MOHELA is mishandling the PSLF program and it is now hindering my loan forgiveness timeline. I am enrolled in the PSLF program. I should be at 120 eligible payments as of this month ( XX/XX/XXXX ). Inexplicably, XXXX is showing up as ineligible toward PSLF due to forbearance, despite the fact that 1. I did not request forbearance and 2. the information provided by MOHELA states that the months of XXXX, XXXX, and XXXX of XXXX will count toward payments counts under the PSLF program. As it stands right now, I will need to submit at least one more payment ( XXXX ), if not more, as well as another Employment Certification Form after I make the XXXX payment, despite the fact that I already completed one after my XXXX payment since that is when my loans should have been eligible for forgiveness. I am also due a refund for my XXXX payment since the account was put into forbearance after I had made that payment. Any time I call customer service the rep is friendly but unable to provide any relevant information such as why this is happening or when it will be taken care of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: NY

Complaint narrative:
I, XXXX, XXXX XXXX, federally protected consumer, I have a right to privacy.. The continuous sharing of inaccurate, non-public information to my consumer credit report without my expressed written consent to my consumer credit report has been ruining my reputation. Please see the attached dispute Please See Attached Documents which include the following : Exhibit A : Affidavit of Truth/ Cease and Desist Copy of Experian consumer report Opt Out Confirmation ( s ) Passport Card ( Identification )

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 2024-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
my phone, debit card wallet where stolen and transactions where mnade on my account i did not authorize on XX/XX/year>. i filed a dispute for two transactions one for {$1000.00} and the other for {$1700.00}. i was given credit for the $ XXXX transaction but i was denied the {$1700.00} and was told it got denied because a text was sent to my phone authorizing the {$1700.00} charge. when i filed the dispute on the phone with the representive i informed him that my phone was stolen along with my card. he did not record this information on my dispute therfore they did not know that i wasnt in possesion of my phone when the disputed transaction was authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc.
State: CO

Complaint narrative:
Immediate Requirement for Adherence to 605B Provision : Expunction of Incorrect Accounts and Inquiries To Whom It May Concern, In accordance with the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ( a ) ( 7 ) ), Colorado Revised Statutes 18-5-902, Colorado Revised Statutes 18-5-903, Equal Credit Opportunity Act ( 15 U.S.C. 1691 ), 15 U.S. Code 1666b, and the Fair Credit Reporting Act ( FCRA - 15 U.S.C. 1681c-2 ( a ) ), I hereby formally demand the immediate removal of the following erroneous accounts and all inquiries from my credit report : Accounts Mandated for Immediate Expunction : XXXX ( Account Number : XXXX ) XXXX XXXX ( Account Number # XXXX ) XXXX XXXX XXXX ( Account Number # XXXX ) XXXX XXXX XXXX - Account Number # XXXX XXXX XXXX XXXX XXXX ( Account Number # XXXX ) XXXX XXXX XXXX XXXX ( Account Number # XXXX ) XXXX XXXX XXXX XXXX ( Account Number # XXXX ) XXXX XXXXXXXX XXXX ( Account Number # Unknown ) I trust you will adhere to the 605B provision and promptly delete these accounts and all credit inquiries. Failure to do so will result in severe financial and legal repercussions. 

Sincerely, XXXX XXXX XXXX CC : Department of Justice CC : Federal Trade Commission

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX report XXXX days delinquent on my credit report. I requested to remove. 
XXXX  XXXX. XXXX XXXX report XXXX days delinquent. I requested to remove. 
XXXX XXXX XXXX XXXX XXXX report XXXX days delinquent. I requested to remove. 
XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX reported me XXXX, XXXX, XXXX, XXXX days delinquent. I asked to remove. 
XXXX XXXX, XXXX XXXX reporting late payments every month. I requested to remove. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX reporting delinquent on payments XXXX, XXXX XXXX days. I requested to remove. 
XXXX  XXXX reporting XXXX days delinquent on my credit report. I requested to remove. 

these banks are all reporting and violating 15 USC 1681 section 602 section 604a section 2

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 2024-01-29 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX report XXXX days delinquent on my credit report. I requested to remove. 
XXXX XXXXXXXX. XXXX XXXX report XXXX days delinquent. I requested to remove. 
XXXX XXXX XXXX XXXX XXXX report XXXX days delinquent. I requested to remove. 
XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX reported me XXXX, XXXX, XXXX, XXXX days delinquent. I asked to remove. 
XXXX XXXX, XXXX XXXX reporting late payments every month. I requested to remove. 
XXXXXXXX XXXX  XXXX XXXX XXXX XXXX reporting delinquent on payments XXXX, XXXX XXXX days. I requested to remove. 
XXXX  XXXX reporting XXXX days delinquent on my credit report. I requested to remove. 

these banks are all reporting and violating 15 USC 1681 section 602 section 604a section 2

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 2024-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The issue is causing me significant distress and anxiety, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

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 2024-01-29 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: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: IL

Complaint narrative:
I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.

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 2024-01-29 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: NC

Complaint narrative:
In XXXX I was informed that my personal files had been lost/stolen during my tax preparer relocating. I was advised to monitor my credit report going forward. I recently pulled a copy of my credit report and noticed accounts from XXXX, XXXX, and XXXX XXXX. I have no knowledge of these accounts, nor have I applied for any account with these creditors. I informed the credit bureaus of the incident in XXXX, and recently contacted each bureau in XX/XX/XXXX and XX/XX/XXXX. I requested verification of these accounts. Furnishing accounts to my profile without my knowledge or written consent is in violation of 15 USC 1681B. 

I researched each account and they have been opened due to identity theft. Furnishing these accounts to my profile further violates 15 USC 1681c-2. No accounts that I have no knowledge and are due to identity theft should be furnished to my profile. 

I also noticed inquiries from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX. I have not authorized these inquiries or given any permission for them to be furnished to my profile

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 2024-01-29 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: NJ

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

XXXX XXXX XXXX XXXX Charge-off {$770.00} XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX Inquiry {$0.00} XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX Inquiry {$0.00} XXXX XXXX Inquiry {$0.00}

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 2024-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Discovering late payments on my account is entirely unjust, particularly when considering my consistent history of timely payments. I insist on the immediate correction of this error. I earnestly implore you to rectify this situation promptly and ensure that my account truthfully reflects my history of on-time payments.

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 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not provided written instructions for the listed creditors or any entity to furnish information on my consumer report, which could potentially be a violation of 15 USC 1681b. The Credit Reporting Agency 's actions have caused significant stress and XXXX, raising concerns about potential violations of the Fair Credit Reporting Act, such as 15 USC 1681 Section 602 and 15 USC 1681 Section 604a Section 2. Additionally, 15 USC 1666b mandates that a creditor must not treat a payment as late unless reasonable procedures ensure timely delivery of periodic statements.

Company response to consumer: Closed with non-monetary relief