vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Absolute Resolutions Corp.
State: FL

Complaint narrative:
ABSOLUTE RESOLUTIONS does not reply to me to validate what they are reporting. Nor did they send me a notice of the debt originally.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I started paying to XXXX XXXX XXXX : LVNV FUNDING LLC in XXXX of XXXX, While dealing with them at first they were not reliant when it came to taking the money out at first so I resorted to paying manual and keeping a record of all the mailings I got from them. But as I started paying them I noticed that the remaining amount owed is not reflective of the actually amount that i should owe. In fact, the amount still owed hasn't move at all in the last XXXX months! I mentions this and called them a few times to tell them that their information was inaccurate and they kept saying that their online systems are slow to update! I can understand a few days but just doing basic math should show that in fact, the amount should be closer to XXXX dollars still owed not XXXX! 

Original Balance : {$3500.00} False Current Balance : {$2900.00} Actual amount that should be owed : XXXX Dates of payments : Payment History XXXX {$25.00} XXXX {$110.00} XXXX {$110.00} XXXX {$93.00} XXXX {$25.00} XXXX {$110.00} XXXX {$110.00} XXXX {$110.00} XXXX {$110.00} XXXX {$110.00} XXXX {$110.00} pending payments : Pay Date : XXXX Amount : {$110.00} Total : {$110.00} Last time I called was today XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 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: AR

Complaint narrative:
To whom it may concern :. I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. Please on my accounts that I have circled or an x by please provide that the items are reporting correctly from the Courthouse and not a third party, investigate if every piece of information is correct, and investigate and see if every piece of information is correct reported on the late payments and collections, and if all items are not reporting100 percent accurate, please remove them. One more thing I also read where I can get the updated report after you investigate this from the XXXX XXXX XXXX. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my mailing you all have on file where my free credit reports where sent to me. Thanks I will upload my documents. I tried to upload documents but it would not let me select all of them so I will mail documents in first thing Tuesday morning by certified mail with a return receipt requested Thanks

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 2023-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On or around, XX/XX/XXXX @ approximately XXXX, I called Truist and spoke to a representative of the bank, employee # XXXX. I then proceeded to want an ACH stop payment enforced on a merchant, XXXX XXXX ( XXXX XXXX ), in the amount of {$91.00}. However, a few days went by, and I received a letter in the mail from Truist regarding the stop payment, along with the amount stated but the amount stated was incorrect from which I initially gave the bank, it stated {$90.00}. I immediately contacted the bank on XX/XX/XXXX @ approximately XXXX ( spoke to a representative, who then transferred me to a supervisor-as I requested, by the name of XXXX  : she provided me with case # : XXXX and that the money wouldn't be drafted out ). Again, it was drafted, never returned, so I called the bank again on XX/XX/XXXX @ XXXX and was able to speak to a representative, who then transferred me to a supervisor. I was constantly informed that the money in question for the merchant wouldn't be deducted from my account. However, it still was and still is currently, XX/XX/XXXX. I had to calling the bank, versus going there in person because I'm currently on Worker 's Compensation, from an injury sustained on my job since XX/XX/XXXX and have to use crutches to get around. It should also be noted that I emailed the CEO of Truist as well, notifying him of my displeasure of not having my stop payment honored. I explained the above situation to him as well on XX/XX/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 2023-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I had purchased a sofa with XXXX XXXX  and opted to take out the promotional credit card from Synchrony Bank, in which there was a promotional no-interest on the loan. I had setup auto-pay assuming that the final month of the promotional period would pay for the loan amount. 

I had made the purchase XX/XX/XXXX, and had setup autopay immediately. 

XXXX years later in 2022, I had been charged the interest on the principal on the loan, unaware that autopay did not fully pay off my loan, thus an additional interest charge of {$1800.00} was charged to me. In XX/XX/2022, I made calls and requests to pay off the remaining principal in hopes of getting the interest charge removed, but after talking to XXXX different agents, all agents refused to refund me the interest. 

I do not check my emails that often, and being charged surprise interest while having autopay on is surprising considering all other companies I've use have been quite ethical.

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 monetary relief
Consumer complaint received 2023-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
They never sent initial notice per the law nor validated the reported debt. And yet still attempt to report and verify the debt with the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
never sent results of investigation, and took longer than 30 days as I never got a response! Yet the bad information remains. multiple letters and i've only attached XXXX. 
in regards to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 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: EQUIFAX, 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 15USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 record 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
never sent results of investigation, and took longer than 30 days as I never got a response! Yet the bad information remains. multiple letters and i've only attached TWO. 
in regards to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-01-15 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
never sent results of investigation, and took longer than 30 days as I never got a response! Yet the bad information remains. multiple letters and i've only attached TWO. 
in regards to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 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: GA

Complaint narrative:
I acquired my credit report and asked the credit bureaus to check and sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and received my investigation and noticed everything was still the same. The consumer reporting agencies which is equifax, XXXX, and XXXX did not modify or removed anything. The date open is not correct, date last active is not correct on all three credit reports, date of the last payment is not correct on three credit reports.which is a violation. This is impacting me from moving forward to buying a house for my family.I attached my previous credit report and my new credit report to show how Equifax violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 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 15USC 1681. 

XXXX XXXX : # XXXX, US DEPT OF ED/XXXX XXXX : # XXXX, XXXX, XXXX  XXXX : # XXXX XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX 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 an 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 record 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 2023-01-15 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 15USC 1681. 

XXXX XXXX : # XXXX, US DEPT OF EDXXXX XXXX : # XXXX, XXXX, XXXX  XXXX : # XXXX XXXXXXXX, XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX 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 an 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 record 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
Consumer complaint received 2023-01-15 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax is the only company that is reporting my credit score wrong. It's no way that my XXXX  is XXXX, but my equifax is XXXX. I don't know what they are doing, but both of my credit scores were the same and Equifax needs to correct my score and my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
To Whom it may concern : On XX/XX/XXXX I checked my most recent credit report provided by Experian and was surprised to find hard inquiries that I did not recognize nor authorize. For reference please see the inquiries below : XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX I am hereby notifying you that I have never authorized any of the aforementioned companies to access my credit report. Additionally, I have never given Experian my consent to furnish this information. These inquiries on my credit report are a clear violation of my consumer rights under 15 USC 1681b ( c ). 

If you are under the impression that you lawfully furnished this information I am requesting you send me any evidence or proof to support your claim. Otherwise, I am requiring that you immediately remove the aforementioned inquiries from my credit report. 

Thank you for taking the time to read this notice. I look forward to this matter being resolved promptly.

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 2023-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2022, there was a withdrawal of {$800.00} taken out of my chase checking account at an ATM. The transaction was not done by me. Once I saw this transaction occurred on my account I reported it to chase XXXX department and they said there will be an investigation. They closed my debit card and issued me a new one.They subsequently refunded the money back into my account pending their investigation. The claim was then reversed on XX/XX/XXXX and the money was again taken out of my account. I called chase again to rectify the situation and they said after their investigation it was determined that it wasn't a mistake because it was an atm withdrawal with a chip. Again, it was not a transaction that I did and when I asked for more information or video footage to determine who the culprit was they said they could not provide that to me. Now I have an overdrawn bank account with a negative balance and no solution to the fraud that's been occurring on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 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: AR

Complaint narrative:
To whom it may concern :. I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. Please on my accounts that I have circled or an x by please provide that the items are reporting correctly from the Courthouse and not a third party, investigate if every piece of information is correct, and investigate and see if every piece of information is correct reported on the late payments and collections, and if all items are not reporting100 percent accurate, please remove them. One more thing I also read where I can get the updated report after you investigate this from the XXXX XXXX XXXX. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my mailing you all have on file where my free credit reports where sent to me. Thanks I will upload my documents. I tried to upload documents but it would not let me select all of them so I will mail documents in first thing Tuesday morning by certified mail with a return receipt requested Thanks

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 2023-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
On XX/XX/2022, I contacted Portfolio Recovery Associates ( XXXX XXXX XXXX ; XXXX XXXX ; XXXX, VA XXXX ) and asked them to send me the Original contract ; Creditor information ; Payment history of this alleged account ; Proof of ownership ; and Contract with Portfolio Recovery Associates authorizing consent for debt. I sent this certified mail ( # XXXX XXXX XXXX XXXX XXXX ) via the United States Postal Service. They had 30 days to send me this documentation. On XX/XX/2022, I contacted them again and told them they did not honor the 30 days and asked them to remove this inquiry from my credit report. They never did so on XX/XX/2022, I contacted XXXX, reported what was going on with Portfolio Recovery Associates and started another credit dispute and asked them to remove this credit dispute from my credit report because they never sent me the requested documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Accounts, Inc.
State: ND

Complaint narrative:
United Accounts , Inc. Is the name of the place here in XXXX nd and XXXX XXXX SD I own them money sadly there one of the company I have to pay I had already agree for them to take {$100.00} out every XXXX weeks I been having such trouble they dont do it I have to call multiple times. There sooo rude its a stress having to deal with a company that wont let me pay off my debt go on XXXX read there reviews, all I want to do its pay my stuff can I just have a different company. Im trying to get a house its kinda hard too when a collection company isnt doing their job. I thought of calling the original people I owe money too, please please help me idk what to do anymore

Company response to consumer: Closed with explanation