vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom this may concern, I wanted to reach out in regards to the following accounts : Department of XXXX XXXX These accounts are reporting inaccurately and violating my XXXX rights as I am entitled to accounts on my report being accurate and verified. XXXX has removed these accounts because they were unable to properly verify it. { Please see attached file } XXXX confused as to why you are still reporting these accounts and you have access to the same information that XXXX does? Please send proof that these accounts have been properly verified or remove these accounts from my reports immediately. 

Regards, 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 2022-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE

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 2022-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
To whom this may concern, I have contacted experian and the creditor on multiple attempts to fix inaccurate information on my credit file and neither side is willing to remove the incorrect information, i did everything as I should to remove the address, I was told to send in documents with updated information I did and still no help then I was told to send in additional documents and I did still no help I dont have any records from either showing me how this address belongs to me which tells me this is being falsely reported, Im sending all these letters certified mail please help

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 2022-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I been contacting the XXXX bureaus, by wanting to despite the incorrect information thats been taunting me whole life. Such as address that are not suppose to be there, at this point I dont know what next step there is that I need to take.

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 2022-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In XXXX through XX/XX/XXXX XXXX approved me for COVID-19 Forbearance Plans of which I received assistance from the CFPB in the latter part of XXXX that led to COVID-19 Forbearance Extensions. 

With the assistance of the CFPB, XXXX approved me for a Trial Period Modification in the amount of {$430.00} for for the months of XXXX, XXXX and XX/XX/XXXX. All Trial Period Payments were made on time and as a result ; XXXX  approved me for a Permanent Modification in the amount of {$420.00} of which XXXX scheduled the first Permanent Modification Payment to be withdrawn from my Checking Account on XX/XX/XXXX ( the {$420.00} payment posted on XX/XX/XXXX as XXXX Confirmation Number : XXXX ). 

On XX/XX/XXXX, I received a Credit Report Alert that my Credit Score decreased by XXXX Points. Upon review of my Credit Report ; XXXX reported on XX/XX/XXXX that my XXXX  Account was XXXX Days Late in the amount of {$3900.00} with the Date of Last payment listed as XX/XX/XXXX. 

On XX/XX/XXXX, I made multiple telephone calls to XXXX  in an attempt to speak to someone that could correct the negative credit reporting that XXXX  placed in my Credit File/Credit Report. The XXXX XXXX repeatedly informed me that their XXXX XXXX were receiving large volumes of calls, that they were experiencing technical issues and to try calling back in 30 minutes while they resolved the issues. Each time I called back I was unable to speak to a Representative and was given the same message to call back in 30 minutes. 

After not being able to get through to XXXX Representatives by telephone ; I sent a message to the XXXX XXXX XXXX XXXX describing the negative credit reporting that XXXX placed on my Credit Report/Credit File, but have not received a response from XXXX. 

My XXXX Account is not delinquent, and is not 120 Days Late as XXXX has listed in my Credit Report/Credit File. I am in a Permanent Modification with XXXX and have not been late in making any of my Trial Period Modification and Permanent Modification 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 2022-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have already sent multiple letters to the Credit Bureau but havent received any response from them. The negative accounts are persistently reporting on my Credit Report, which causes negative outcome to my credit. I would like to request for an immediate steps for the removal of the accounts reporting on my credit report in violation of Federal Law. This information seems to be misleading. 
Charge-off : XXXX XXXXXXXX XXXX Balance : {$500.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2500.00} XXXX XXXX  XXXX****Balance : {$1200.00} XXXX XXXXBalance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$15000.00} XXXX XXXX  XXXX XXXX Balance {$360.00} Collection : XXXX XXXXBalance : {$0.0XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX  XXXX Balance : {$230.00}

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 2022-02-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I opened a XXXX rewards account through Synchrony Bank in XX/XX/2021. On XX/XX/XXXX I paid my balance of {$86.00} but Synchrony insisted they never received it. So I paid {$86.00} again on XX/XX/XXXX to make sure I didn't incur late fees/interest charges. I made several phone calls trying to sort this out with Synchrony and they finally acknowledge both payments. Because I had made additional charges, the second payment of {$86.00} was applied to those charges, but I still had a credit balance of {$39.00} on the account. I asked Synchrony to please close my account and send me a refund check for the {$39.00}, which they did in XXXX. But in XXXX, they suddenly decided that they had never received the first payment of {$86.00} - even though I sent proof of the two payments to them, as did my bank, XXXX XXXX. I have spent the last seven months make repeated phone calls to Synchrony, trying to sort this out. Many times, I got disconnected by them after holding for 30 minutes or more. Every time I called, and I called MANY times, I spent a minimum of 30 minutes on the phone with their representative, having to explain the whole case all over again. They kept telling me that they would have to transfer me to a supervisor/manager to get my account sorted out, but then I would get disconnected when they made the transfer. This happened to me three times in a row the other afternoon. Back on XX/XX/XXXX I was assured that my information had been escalated to a manager/supervisor and this would all be worked out, but it might take 90 days. In the meantime, no finance charges or late fees would accrue on my account. The finance charges and late fees continued to accrue and then this month I received notification that my XXXX credit score had dropped by XXXX points because my account was being reported as past due. I have had excellent credit for the last 17 years and was very unhappy to discover this. I spent many hours on the phone again this week trying to resolve the issue with Synchrony. It wasn't until I called them out on XXXX the other day that one of their representatives finally called me. I am now being told that they have sorted out their mistake and my account balance is zero, but it can take 15 business days or more ( likely XX/XX/XXXX they said ) before my credit report will be corrected because it takes Synchrony that long to report their error. I am extremely unhappy about this whole mess and warning everyone I know to avoid dealing with Synchrony because their customer service is nearly non-existent and many of the people I saw posting on XXXX about them are complaining about their unfair business practices. Many of us are now planning to file a civil lawsuit against them.

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 2022-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$560.00} XXXXXXXX XXXX XXXXXXXX Balance : {$610.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX {$470.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX Balance : {$600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I have spoken with SYNCB/JCP ( JC Penny Credit Services ) XXXX time on a billing dispute for an account. Their contact information is as follows : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( XXXX ) XXXX This issue concerns an account that was opened briefly for {$200.00} on XX/XX/XXXX and closed soon thereafter " PAID IN FULL ''. 

The creditor attempted to levy a {$3.00} late fee in XX/XX/XXXX. I called spoke to the service center and was informed that the fee was waived and the account closed. The balance at the time of closure was actually XXXX XXXX ( {$00.00} ) in my favor. 

At some point in the fall, I received another notice from SYNCB/JCP concerning the late fee for this account. I called their customer service center and was informed that there would be no late fee, it was a computer glitch and that the balance within the closed account was again + ( {$00.00} ) owed to me. 

This morning, I noticed that my XXXX score had dipped from XXXX to under XXXX. When I investigated, I learned that SYNCB/JCP had reported the aforementioned account as delinquent for the months of XXXX and XX/XX/XXXX. 

Again, I called their service center at ( XXXX ) XXXX and was assured by the representative that the account was not delinquent. 

I am escalating to your office because there appears to be a pattern of misconduct with this creditor. They are now beginning to affect my credit rating and I do not trust them to remediate the situation properly.

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 2022-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately.

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 2022-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: NE

Complaint narrative:
every day since XX/XX/22 i have received 1+ calls from the hours of XXXX am to XXXX pm. the caller id is Jefferson Cp Sy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: J J Marshall & Associates, Inc
State: MI

Complaint narrative:
I don't owe anything to JJ MARSHALL with account number XXXX. They should have confirmed this from the Original Creditor XXXX XXXX XXXX XXXX XXXX since I have made my payment to them. Investigate this account thoroughly and make the necessary correction or just remove the account automatically.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: MS

Complaint narrative:
On XX/XX/22, I received a letter from Target dated XX/XX/22 that an application for a credit card from their store was denied- I did not apply for a Target credit card. I called the number listed on the letter ( XXXX ) and gave them the application ID on the letter ( XXXX ). Their representative looked up the application and someone applied for a Target credit card online on XX/XX/22 using my name and address but using a different phone number, driver 's license, and email. The email address they used was XXXX, the last XXXX digits of their phone number listed was XXXX, and the last XXXX digits of their driver 's license listed was XXXX. None of that is my information except they used my actual name and address. Target said they will put a fraud alert on this application and suggested I visit the identifytheft.gov website and follow the steps.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: STERLING JEWELERS, INC.
State: GA

Complaint narrative:
Kay Jewelers and XXXX XXXX XXXX has/have reported to the credit reporting agencies that I have bad debt ( {$850.00} ) or bankruptcy XXXX  XXXX. This KAY Jewelers charge card account was opened in XX/XX/XXXX. Kay Jewelers are reporting that the debt was discharged in XXXX XXXXXXXX. Any XXXX XXXXXXXX ever filed using my name was dismissed in XXXX. KAY Jewelers is also reporting that it was charged off in XXXX. I reside in the state of Georgia. The statute of limitation has expired for any debt collection in reference to this KAY jeweler account. kay JEWELERS SOLD MY ACCOUNT TO XXXX WITH PERMISSION have disputed this with XXXX, XXXX, and XXXX XXXX reporting agencies on more than one occasion. XXXX XXXX removed this account but KAY JEWELERS still reporting and needs to remove the entry and complete account and line entry from my credit profile immediately. I have contacted all parties involved and filed disputes. I am prepared to take legal action and complaints to XXXX and FTC. THESE COMPANIES ARE IN violation OF THE FAIR CREDIT REPORTING ACT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have already sent multiple letters to the Credit Bureau but havent received any response from them. The negative accounts are persistently reporting on my Credit Report, which causes negative outcome to my credit. I would like to request for an immediate steps for the removal of the accounts reporting on my credit report in violation of Federal Law. This information seems to be misleading. 
Charge-off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation