vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Dear XXXX, I am writing to dispute the charges on my Care Credit account related to XXXX  services provided by XXXX XXXX XXXXXXXX XXXX The purpose of this letter is to request a full refund for the amount paid, as I did not receive the medical care that was promised, effectively resulting in being unjustly charged and ultimately ripped off. I kindly request that you take immediate action to rectify this situation and credit my account accordingly. 

Enclosed with this letter, you will find the receipt documenting the payment made to XXXX XXXX XXXX on XX/XX/2022, in the amount of {$3000.00}. This payment was intended to cover the dental services I was expecting to receive, but unfortunately, XXXX XXXX XXXX failed to fulfill their obligations, leaving me without the promised medical care. 

Furthermore, I insist that all additional charges incurred on my account in relation to this transaction be reimbursed as well. The total refund amount should reflect the disputed amount plus any associated fees or charges. I trust that Care Credit will thoroughly investigate this matter and ensure that I am not held responsible for a debt that arose due to the XXXX  company 's failure to deliver the services for which I had paid.

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 2023-06-18 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: PR

Complaint narrative:
In accordance with the Fair Credit Reporting act. Experian Credit Reporting Agency has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, 15 U.S.C. 1666 & is not complying with the FCRA Section 623 ( 5 ) ( A ). 

The accounts in question are as follows XXXX XXXX XXXX XXXX, Account number : XXXX Date opened XX/XX/XXXX Account was written off for {$XXXX} in XXXX however {$XXXX is now past due as of XX/XX/XXXX. 

Also the following two accounts were updated incorrectly and have caused me a XXXX point decrease on my credit report. 

Account name : XXXX XXXX, Account number : XXXX Credit card opened XX/XX/XXXX Account charged off. {$XXXX} written off. ( There is no need to have any further information beyond the charge off date displayed ) Account name : XXXX XXXX XXXX XXXX, Account number : XXXX Date opened : XX/XX/XXXX Account charged off. {$XXXX written off. ( There is no need to have any further information beyond the charge off date displayed )

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 2023-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It has come to my knowledge that this loan company has been doing fraud within my account. Multiple information is incorrect and I have notified the company so that they understand that they are garnishing my credit. It is reported on my credit report that my last payment was for {$340.00} in XX/XX/XXXX. XXXX, that I have a remaining balance of {$10000.00}, that my payments were $ 406 monthly and that the terms are 74 months. The months reviewed are also off. On Transunion it shows XXXX, on XXXX, it shows XXXX I also noticed that there has been an increase in the XXXX XXXX on XX/XX/XXXX it was {$6700.00}. Today, XX/XX/XXXX, it shows {$7100.00} May I also add that my balance seemed to decrease slowly every month however, I made no 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 2023-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It has come to my knowledge that this loan company has been doing fraud within my account. Multiple information is incorrect and I have notified the company so that they understand that they are garnishing my credit. It is reported on my credit report that my last payment was for {$340.00} in XX/XX/XXXX. XXXX, that I have a remaining balance of {$10000.00}, that my payments were XXXX XXXX monthly and that the terms are 74 months. The months reviewed are also off. On XXXX it shows XXXX, on XXXX, it shows XXXX I also noticed that there has been an increase in the XXXX XXXX on XX/XX/XXXX it was {$6700.00}. Today, XX/XX/XXXX, it shows {$7100.00} May I also add that my balance seemed to decrease slowly every month however, I made no 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 explanation
Consumer complaint received 2023-06-18 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:
This complaint is filed against the XXXX credit reporting agencies of XXXX, XXXX, and Equifax for improperly reporting incorrect information and/or reporting unverified information from a account known as XXXX  under account number XXXX improper reporting incorrect or invalid information violates the FCRA and due process XXXX federal law. A dispute was filed with all 3 bureaus and verified as correct. No other disputes are pending either. Said errors and discrepancies are as follows : 1. Both XXXX and XXXX are reporting the high balance on this account as XXXX. Contrary, Equifax is reporting the high balance of XXXX. Both amounts can't be correct and verified as correct. 2. Both XXXX and XXXX are reporting date of last activity as XXXX. Contrary Equifax is reporting the D.O.L.A. as XXXX. Both dates can't be correct and verified as accurate sine they differ. 3. Furthermore, both XXXX and Equifax reports are void or missing Date opened. 4. Also, both XXXX and XXXX are reporting date of last payment as XXXX. Contrary, Equifax is reporting Date of last payment as XXXX. Both dates can't be correct. 5. Also, both XXXX and Equifax are reporting completely different payment history as to days late on two year payment history calendar. XXXX reports 30 days late in XXXX of XXXX  and Equifax reports 60 days late in XXXX of XXXX. XXXX again reports 60 day late in XXXX of XXXX  and Equifax reports 90 days late in XXXX of XXXX. Then XXXX reports 90 days late in XXXX of XXXX  and Equifax reports 120 days late in XXXX of XXXX. None match and can't be correct. 6. Then Equifax report says date of last payment was made in XXXX. Contrary on same report on two year payment history calendar, it shows in XXXX that the consumer was 60 days late. Both can't be correct. The report contradicts it self. 7. Finally on 7 ear scale of late payments XXXX says the consumer has XXXX 90 days late compared to Equifax reporting the consumer had XXXX 90 days late. Both differ and both can't be correct. A copy of the consumers smart credit 3 bureau report is included in this complaint for review so all errors can be seen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-18 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: GA

Complaint narrative:
This complaint is filed against the 3 credit reporting agencies of XXXX, Experian, and XXXX for improperly reporting incorrect information and/or reporting unverified information from a account known as XXXX  under account number XXXX improper reporting incorrect or invalid information violates the FCRA and due process XXXX federal law. A dispute was filed with all 3 bureaus and verified as correct. No other disputes are pending either. Said errors and discrepancies are as follows : 1. Both XXXX and Experian are reporting the high balance on this account as XXXX. Contrary, XXXX is reporting the high balance of XXXX. Both amounts can't be correct and verified as correct. 2. Both XXXX and Experian are reporting date of last activity as XXXX. Contrary XXXX is reporting the D.O.L.A. as XXXX. Both dates can't be correct and verified as accurate sine they differ. 3. Furthermore, both Experian and XXXX reports are void or missing Date opened. 4. Also, both XXXX and Experian are reporting date of last payment as XXXX. Contrary, XXXX is reporting Date of last payment as XXXX. Both dates can't be correct. 5. Also, both Experian and XXXX are reporting completely different payment history as to days late on two year payment history calendar. Experian reports 30 days late in XXXX of XXXX  and XXXX reports 60 days late in XXXX of XXXX. Experian again reports 60 day late in XXXX of XXXX  and XXXX reports 90 days late in XXXX of XXXX. Then Experian reports 90 days late in XXXX of XXXX  and XXXX reports 120 days late in XXXX of XXXX. None match and can't be correct. 6. Then XXXX report says date of last payment was made in XXXX. Contrary on same report on two year payment history calendar, it shows in XXXX that the consumer was 60 days late. Both can't be correct. The report contradicts it self. 7. Finally on 7 ear scale of late payments Experian says the consumer has XXXX 90 days late compared to XXXX reporting the consumer had XXXX 90 days late. Both differ and both can't be correct. A copy of the consumers smart credit 3 bureau report is included in this complaint for review so all errors can be seen.

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 2023-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KS

Complaint narrative:
On XXXX XXXX XXXX my account was hacked due to a scam, I do not provide any information to give them access to my account except my card number. My account were closed. Bank say I owe the XXXX I have money in the other accounts they closed which they are holding and said I cant use to pay. They will not work with me, have bullied, threatened and accused me, belittled me and made me feel worthless. When I call to make a payment towards what they said I owe the, the could not give me a way to send payments to them and make sure they would be applied to the correct account. They have threatened that I have have 60 days well now 45 days to pay this or they will put me on some list and no bank will do business with me this is a bank I have been with for 23 years, and supposedly is there to help military veterans and their families, and they have made my life. Living XXXX for the last XXXX weeks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am not responsible for this debt with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX. They did not prove me with a contract as requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am not responsible for this debt with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX. They did not prove me with a contract as requested.

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 2023-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist

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 2023-06-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
I do not owe this debt with Kia financing. This debt was paid through an insurance company.

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 2023-06-18 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: NY

Complaint narrative:
I have filed multiple disputes with equifax and nation XXXX XXXX XXXX. I have uploaded my drivers license showing my signature which differs from the signatures on the lease application, in fact the leas application shows the same exact signature throughout the application. this application is fraud which I told XXXX XXXX XXXX and equifax, by reporting this false information XXXX XXXX XXXX  and equifax are in violation of the FCRA, " FAIR CREDIT REPORTING ACT/REGULATION V. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete '' I will be filing suit for this violation for both parties " EQUIFAX " and " XXXX XXXX XXXX '' I want this item removed from my credit report immediatly, my drivers license shows my signature and that my signature doesn't match this application, I've been a victim of fraud some years ago, I was told that XXXX XXXX XXXXXXXX also has my drivers license, they should have seen my signature on my drivers license and knew that the signature didn't match, that means that this debt was willfully reported with knowledge of the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: TX

Complaint narrative:
As always there intentionally and willfully holding transactions that take less than a second for literally any other company but them and I know this very well because I use it a lot to move money to my accounts and instead of being genuine and just canceling or confirming the payment they decide to patronize and hold the funds even longer from yesterday on the XXXX at XXXX XXXX. central Time to well it's a little after XXXX XXXX. central Time and they are still holding it and not actually canceling it like I've asked several times in the last 10 hours or completing it because they are specifically and wholeheartedly holding the transaction. This transactions take less than a second and that goes for literally everyone. This is the worst customer service I've ever seen in my four decades alive and they genuinely do not care nor do they have to because nobody does anything about it. And of course I would be dead wrong according to them if I just up and abandoned the account while I owe them money right?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a right to accurate information, if the reinstatement of the item on my credit report is found to be inaccurate or incomplete, I have the right to request its removal or correction. I have a right to an explanation per the FCRA and am requesting information as to why adverse information that was previously disputed continues to reappear on my credit report. I have a right to fair credit reporting and request appropriate action to be taken to rectify the situation. I am requesting a written explanation, supported by relevant documentation, detailing the reasons for the reinstatement of the item on my credit report. Additionally, I expect that you conduct a thorough reinvestigation into this matter to ensure the accuracy and completeness of the information on my credit report. Please provide your response within 30 days, as stipulated by the FCRA. Kindly send your written explanation and any accompanying documentation to the address mentioned above. I appreciate your attention to this matter and look forward to your timely response, as well as a prompt resolution to this issue in accordance with my rights as a consumer under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This complaint is proffered against TransUnion, XXXX, and XXXX for reporting incorrect or unverified information from a account named XXXX XXXX under account number XXXX and or XXXX. I filed a dispute with all credit bureaus and all bureaus verified information as correct/ accurate and denied my disputes. No other disputes are pending and a copy of the consumers smart credit 3 bureau report is included in this complaint to verify said errors. The said errors are as follows : 1. Both TransUnion and XXXX report high balance for this account as XXXX. XXXX reports high balance as XXXX. Both can't be correct. 2. All 3 bureaus report a different date of last activity. TransUnion reports XXXX as XX/XX/XXXX. XXXX reports XXXX as XX/XX/XXXX. XXXX reports XXXX asXX/XX/XXXX. All three can't be correct. 3. XXXX and XXXX reports are missing Date account was closed. 4. Both XXXX and TransUnion report Date of last payment as XX/XX/XXXX. Contrary, XXXX reports date of last payment as XX/XX/XXXX. Both can't be correct and verified as accurate. 5. XXXX and XXXX both report Balance owed as XXXX. Contrary, TransUnion reports balance owed as XXXX. Both dates can't be correct also. 6. XXXX and XXXX both report past due amount as XXXX. Contrary, TransUnion reports past due amount as XXXX. Both amounts can't be correct either. 7. Both XXXX and XXXX are missing last date verified. 8. XXXX report says date of last payment made was XX/XX/XXXX. Contrary on same report under 2 year payment history calendar, it shows last payment made was on XXXX. 9. XXXX report says last payment made was on XXXX. Contrary on same report under 2 year payment history calendar it shows in XXXX account was 60 days late. 10. Both XXXX and XXXX payment history completely differ. XXXX shows in XX/XX/XXXX account was o.k.. XXXX shows in XXXX 60 day late. XXXX shows 30 day late in XX/XX/XXXX and XXXX shows 90 days late in XX/XX/XXXX. XXXX shows 60 days late in XX/XX/XXXX and XXXX shows 120 days late in XXXX. XXXX shows 90 days late in XXXX.and XXXX shows 120 days late. All mismatched information.

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 2023-06-18 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: CORELOGIC INC
State: MI

Complaint narrative:
XXXX XXXX XXXX Is the account that I've been notifying the consumer credit reporting agencies XXXX, XXXX, XXXX, XXXX, and Core Logic about due to their inadequate and invalidated tradeline delinquency details. Since 2021 and about every 3 months since I have mailed letters requested the validated documents per the Fair Credit Reporting Act definition. However, they have either not responded or responded with very little information other than that they have verified the account with the creditor but without ever providing me with the validated itemize documents supporting that this tradeline is in fact reporting correct and accurate and providing supporting documentation that I have consented to providing authorization for my personal and confidential accounts to be made available with their credit reporting agency.

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