vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-29 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: CA

Complaint narrative:
I submit a Identity Theft report to Experian regarding an account that does not belong to me. Which is the XXXXXXXX XXXX XXXX account. They removed the account from my credit report and a few days later it was put back on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: NC

Complaint narrative:
In Accordance with the Fair Credit Reporting act the following accounts have violated my rights.

1. XXXX XXXXXXXX Account Number XXXX in the amount of {$440.00} 2. XXXX XXXX Account Number XXXX in the amount of {$4800.00} 3. XXXX XXXX XXXXXXXX Account Number XXXX in the amount of {$840.00} XXXX XXXX XXXX  XXXX in the amount of {$1400.00} 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

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 2022-04-29 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: NC

Complaint narrative:
In Accordance with the Fair Credit Reporting act the following accounts have violated my rights. 

1. XXXX XXXXXXXX Account Number XXXX in the amount of {$440.00} 2. XXXX XXXX Account Number XXXX in the amount of {$4800.00} 3. XXXX XXXX  XXXX Account Number XXXX in the amount of {$840.00} 4.XXXXXXXX XXXX XXXX XXXXXXXX in the amount of {$1400.00} 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: MO

Complaint narrative:
On XX/XX/22 I deposited {$270.00} into an atm at a us bank location. My money was taken into the machine and I received an error on the screen and a receipt stating that my money was not deposited to my account. I have called multiple times to us bank and have been told many different outcomes and assured my money would be placed in my account. To this day it has not been and I feel like the bank is scamming me. I have a receipt to provide details from the atm.

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 2022-04-29 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: National Credit Adjusters, LLC
State: OH

Complaint narrative:
After negotiating a sttlement, and paying such settlement, theyrefuseto report and account settled and no longer open.. Ive tried several times, via dispute, to get them to correct this issue... They refuse, which makes it look like, on my credit report, that the acoount is still open, and not settled...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
FRCA Violation credit card XXXX XXXX CAPITAL ONE AUTO FINAN XXXX XXXX XXXX  FRCA Violation address and names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: CT

Complaint narrative:
My credit card balance was {$12000.00} I initiated an {$8000.00} payment on the card, cancelled it and then changed it to a {$3000.00} payment. 
My available balance for purchases then became - {$970.00} not the {$3000.00} I just paid. 
Contacted a CS rep who said I never made the {$3000.00} payment- the bank returned it. I showed them proof and they said the system had not updated Contacted a 2nd CS rep and they said in fact the {$3000.00} was in fact paid but " The {$9400.00} is a non promo balance on your account adjective balance on the account '' Nonsensical response. 
Sent an email to the company and the response did not even address the question. The response was " Please note our records indicate a payment pending for {$8000.00} and a payment reversal for the same amount. The negative amount shown is for the payment reversal. '' How does $ XXXX $ XXXX a negative available balance?? 
My available balance was not negative before I made the {$3000.00} payment so how could it be negative AFTER I make a payment. 
This is not the first time Synchrony Bank has been deceptive in dealings with my account. 
Any help you can avail me would be greatly appreciated. 

Thank you

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 2022-04-29 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: MO

Complaint narrative:
I submitted a dispute online XX/XX/2022 with Equifax for the accounts listed below for inaccurate and incomplete information being reported on my credit report : XXXX XXXX XXXX, Account # XXXX XXXX XXXXXXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX The investigation was supposed to be completed by XX/XX/2022 but I haven't heard back from Equifax. I sent a follow-up certified letter on XX/XX/2022 requesting for deletion of the accounts due to the none response of the investigation passing the 30 days. I have not heard back from Equifax as of XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: CT

Complaint narrative:
American Coradius international sent me a letter about owing {$1100.00} to XXXX. My XXXX account has no negative balance, and its likely someone opened an account in my name. XXXX agreed that my account is not in arrears.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: CA

Complaint narrative:
XXXX XXXX XXXXXXXX Account # XXXX Balance {$520.00} XXXX XXXX XXXX Hard inquiry XXXX XXXX  Hard inquiry XXXX  Hard inquiry In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section A states I have the rights to privacy.

15 U.S.C 1681 section 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 explanation
Consumer complaint received 2022-04-29 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: CA

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX Account # XXXX Balance {$520.00} XXXX XXXX XXXX Hard inquiry XXXX XXXX Hard inquiry XXXX Hard inquiry In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights.

15 U.S.C 1681 section A states I have the rights to privacy.

15 U.S.C 1681 section A section 2 : 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 2022-04-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
MACY ' IS USING PAST INFORMATION WHICH DOES NOT ADDRESS ONGOING DAMAGE TO CREDIT BY MACY ' FAILURE TO TAKE CORRECTIVE ACTION THE ONUS IS ON MACY ' TO ACCEPT NEGLIGENCE & NOT TO BLAME CONSUMER BY INCORRECTLY PROCESSING OR CLAIMING TO HAVE PROCESS CREDIT CARD CONSUMER WENT TO EXTREME EFFORTS TO GO TO MACY ' FACILITIES ON MUTLIPLE OCCASIONS TO HELP MACY 'S NOT NOLY CORRECT PROBLEM ( S ) BUT TO ENSURE THAT MACY ' WOULD NOT BE HARM IF CARD ENDED UP IN WRONG HANDS.

THIS OF COURSE IS BASED ON THE CLAIM THAT MACY ' SENT THE CARD TO BEGIN WITH SUBMITTING AN OUTDATED LETTER FROM XXXX 2021 THAT DOES NOT ACCEPT LOGICAL ONUS FOR THE ERRORS THAT HAS CAUSED THE CONSUMER GREAT STRESS MUST BE REDRESS PRIOR TO FILING WITH XXXX XXXX XXXX ( SEE XXXX VS. 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 2022-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I am requesting the verification of a negative item, in pursuit to the Fair Debt Collections Practices Act, 15USC 1692 Sec.809 ( b ). You are required under the above named titled and section, to show your lawful authority to collected on an alleged debt claim ; I am requesting the following items : The name and address of the original creditor A copy of the original contract between myself and the original creditor.

The original application for this account with my signature.

A copy of the agreement authorizing your company to collected on their behalf of the original creditor.

FULL detailed accounting history on the account and the calculations on how they reached the amount owe.

Provide verification on any judgments connected to this account.

Provide your license to collect in my state and your registered agent name with their address.

Please show proof that the Statue of Limitations has not expired in my state for this account.

Provide the date of the last payment on this account. 
Please provide the answer to this request in writing within 30 days or I will be forced to take legal actions. 
Thank you for your cooperation, 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 2022-04-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
In accordance to the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

SYNCB/GAP 15 U.S.C 1681 Section 602 A. States I have a 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 explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgence Legal Group, PC
State: IL

Complaint narrative:
I received a summons to report to court for a debt that was purchased from XXXX XXXX XXXX and spoke with a rude individual from a legal firm never sent a dispute letter and never served they filed a lien on case # XXXX XX/XX/2022 and the debt that is well over 7 years old. They sent a copy of this letter came from a law group Resurgence Legal Group located at XXXX XXXX XXXX XXXX XXXX in XXXX il. The Debt collector refused to let me speak with a supervisor concerning this refused to give his name and was just rude he literally hung up on me and sated he has filed a law using threatening language and he was uncooperative I told him that i would pay this because i did not want this on my credit after payment was made he refused a paid in full letter stating he will send it in 5-7 business days. I paid on line on there web site and the payment cleared and he still refused to send a receipt of payment and rudley hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: LA

Complaint narrative:
Sharing without concent : In accordance with the Fair Credit Reporting Act the following list of accounts below has violated my federally protected consumer rights of privacy and confidentiality : 15-U.S.C 1681 Sec. 602 A : States that I have a right to my privacy.

15-U.S.C 1681 Sec. 604 A : States that a consumer reporting agency can not furnish a account without my expressed written instructions.

( 3 separate accounts ) from XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX  Original creditor : XXXXXXXX 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 2022-04-29 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: LA

Complaint narrative:
Sharing without concent : In accordance with the Fair Credit Reporting Act the following list of accounts below has violated my federally protected consumer rights of privacy and confidentiality : 15-U.S.C 1681 Sec. 602 A : States that I have a right to my privacy.

15-U.S.C 1681 Sec. 604 A : States that a consumer reporting agency can not furnish a account without my expressed written instructions.

( 3 separate accounts ) from XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX Original creditor : 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 2022-04-29 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: TX

Complaint narrative:
In accordance to the fair credit reporting act XXXX Account Number : XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late and for and purpose.

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 2022-04-29 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
FRCA Violation name
XXXX XXXX  FRCA Violation loan
TD AUTO FINANCE
FRCA Violation collection
XXXX
FRCA Violation loan
XXXX XXXX XXXX  FRCA Violation enquiries
XXXX XXXX XXXX  Inquiry: XX/XX/XXXX
Bank XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry: XX/XX/XXXX
Finance/Personal
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
XXXX XXXX international sent me a letter about owing {$1100.00} to PayPal. My PayPal account has no negative balance, and its likely someone opened an account in my name. PayPal agreed that my account is not in arrears.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX Account # 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 explanation
Consumer complaint received 2022-04-29 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: TX

Complaint narrative:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 XXXX i made this clear for 60 days straight with transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no 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