vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have been contacting Verizon and Synchrony credit card for months. Verizon requires I use Synchrony verizon card to get a monthly discount on my wireless bill. Synchrony continues to overcharge me and add late fees besides. Verizon says I owe one amount and synchrony says another. I am caught in the middle and have made an endless number of calls but can not resolve this despite reps actually talking to synchrony on the phone while I am on the other line. Synchrony is cheating me and when I pay the amount verizon says I owe, synchrony charges a late fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-14 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 with the Fair Credit Reporting act XXXX Account # XXXX, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX XXXX . 
Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX . 

Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX  Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX XXXX XXXX Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX  Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/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 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 2023-07-14 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX XXXX . 
Reported XX/XX/XXXX XXXX XXXX  XXXX Reported XX/XX/XXXX XXXX XXXX . 

Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX XXXX  XXXX Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/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 non-monetary relief
Consumer complaint received 2023-07-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Navient is trying to collect a private student loan that should be discharged. There was a lawsuit that I should have qualified for but didnt. This loan is for a for profit closed school. The loan is predatory. I had an approved borrower defense application from the federal government about this same school and the loans were discharged. These should be as well regardless of the type of loan. This company is a legal loan shark and should be put out of business. I also have asked them more than once to only contact me by email and only me and they have called relatives and my job. Once again these are predatory loans meant to keep you in debt and they need to be discharged now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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:
The attached items are reporting on my credit report illegally as they do not belong to me. I have submitted previous forms indicating that such accounts do not belong to me. The credit bureau is continuing to illegally report these accounts and violating my consumer rights. I have obtained legal counsel through XXXX XXXX XXXX, XXXX XXXX XXXX who is prepared to sue the bureau attached to this complaint, on behalf of XXXX XXXX XXXX, if a proper reinvestigation and deletion of these accounts is not completed. 

If not removed within 15 days of receipt of this notice, XXXX XXXX XXXX, XXXX XXXX XXXX will begin court filing in which civil penalties for violating consumer rights will be addressed. 

In addition, XXXX XXXX XXXX states the following : Under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists.

In a reasonable effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, and proof of your authority in this matter. Absent such evidence, you must terminate and remove this account and correct any erroneous reports of this debt as mine.

For the record, I state again : I may presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists. I must ask you to provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. Please provide evidence of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and promptly will work as a waiver to any of your claims in this matter and will entitle me to presume that you placed this on my credit report ( s ) in error and that this matter is permanently closed.

Your continued silence in this matter is unacceptable. Either provide the proof or correct the record and remove this invalid debt from all sources you have reported it to.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only and is not a statement, election, or waiver of status.

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 2023-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Boich Law Offices
State: OR

Complaint narrative:
I keep receiving letters stating I owe {$41000.00} in sales tax to the state of Ohio. The letters are from the law firm of XXXX XXXX, who claims to be XXXX XXXX of what I do not know. Every time I've called to clear this up nobody answers the phone and multiple voicemails have been left with no reply.

As for the debt, the only time I have ever lived in Ohio was the 90 's when I went to college there. I did not have a job during that time, let alone a business. I have now lived on the XXXX XXXX over 20 years and I have never owned a business of any kind, in any state. The letters I keep receiving don't even include my name, just a XXXX XXXX and my apartment address. 

Each time I have left a voicemail I have asked for them to send proof of the debt belonging to me, which is required by state law, and they have never done so. Since I have now received another letter without that being provided I consider this harassment. I have reported this firm to his states XXXX as I have found more info online indicating this is standard practice for XXXX XXXX. Just b/c he has state letterhead does not mean he can ignore collections rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
Account was opened fraudulently

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 2023-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: TX

Complaint narrative:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
On XX/XX/2023, my personal friend XXXX XXXX XXXX attempted to send me {$660.00} + {$130.00} via XXXX to reimburse me for our upcoming leisure trip to XXXX, CO. I had paid all the expenses ( hotel, flight, car rental, concert tickets, etc. ) on my card, and he was reimbursing me for his half of the expenses -- all allowed under XXXX 's Terms of Service. My XXXX XXXX Checking account ( tied to XXXX ) was immediately frozen, flagged for closure, and my XXXX access was suspended. I was instructed by XXXX XXXX to visit a XXXX XXXX branch with two forms of identification. I did so, and XXXX XXXX Loss Prevention Team 'retained " my XXXX XXXX Checking account. XXXX XXXX also, after verifying my identity, initiated an internal escalation to restore access to XXXX. After attempting to enroll in XXXX with XXXX XXXX XXXX, I am told that my XXXX profile is still restricted. XXXX is unable to assist, as I signed up to XXXX via a partner bank ( XXXX XXXX ). XXXX XXXX is unable to assist, as they claim they have unlocked my XXXX access on their end. Charles Schwab is unable to assist, as they claim the suspension is from XXXX XXXX. 

No party is willing/able to help me. I have always used XXXX in accordance with the outlined Terms of Service -- only sending & receiving to/from friends and family for non-commercial payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently became a victim of identity theft and I was informed by the Credit agencies that I needed to get a police report and an identity theft report from the federal trade commission as well. XXXX of the accounts in dispute was a XXXX XXXX  account with the account number XXXX. This account was removed once I submitted my police report and identity theft report about XXXX weeks ago. Today it was placed back on my account. I called experian and informed them the account was not mine and had already been removed and by law they cant place it back ones its been removed. I spoke with a representative named XXXX in which he stated XXXX XXXXXXXX place it back and I am unable to dispute it or have it removed. He stated it is permanently on my account. Even though I submitted my police report stating Ive been a victim of identity theft he stated they are not going to touch it. I asked him how is possible he stated thats just how it is. XXXX XXXXXXXX wanted it back so thats that.

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 2023-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Dear officer, This is a loyal customer of American Express ( since XXXX ). I have had an issue with the {$200.00} FHR credit on my XXXX XXXX account in the year XXXX. Multiple cases have been opened on my behalf with AMEX but none of them have resolved this issue, so I have to make this complaint to CFPB. 

What has happened is really simple, as shown in my attachment 'Card transaction history ', there are XXXX {$200.00} been given to me from FHR on XX/XX/XXXX and XX/XX/XXXX, and {$400.00} in total reversed FHR credit by 3 transactions on XX/XX/XXXX and XX/XX/XXXX. I have one valid booking of {$400.00} on XX/XX/XXXX ( that I have not canceled and stayed on XXXX XXXX ), and all other FHR transactions that are greater than {$200.00} would balance out as those are FHR reservations made and canceled later. 

Therefore, I have attached my valid FHR booking for one night in XXXX ( attachment 'XXXX XXXX XXXX ' ), which should be qualified for the {$200.00} credit according to your benefit terms ( also attached " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' ). The benefit terms only indicate that 2-night stay is required for " The XXXX XXXX '', not " XXXX XXXX XXXX XXXX ''. The hotel I stayed at is XXXX XXXXXXXX XXXX XXXX XXXX XXXX indeed an FHR hotel. I am really tired of arguing with AMEX back and forth about this, please do a thorough investigation and credit the {$200.00} FHR credit to my account to resolve this. Otherwise, I will have to escalate this to small claim court, which would be waste of time for both sides. I truly appreciate your assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 non-monetary relief
Consumer complaint received 2023-07-13 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: TX

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2023-07-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My mother used my social security number to open this account XXXX refused to help and say I need her social security number to be taken off the account which is insane I dont know someone elses social security number They wont help me and the account is still on my Equifax report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Self Financial Inc.
State: GA

Complaint narrative:
Over XXXX year I sent {$4800.00} per month to Self Financial for a credit builder account. I completed that program successfully after 12 months. As well, I applied for a VISA account with Self Financial which was granted ; however, over the last 12 months Self Financial has neither reported my Credit Builder Account nor my VISA account to my XXXX credit bureau and in result of that, my credit bureau with XXXX is far lower than my other credit scores. Repeatedly over 12 months, not less than XXXX times, I have approached Self Financial. They refuse correct this matter and keep sending me back to XXXX telling me that depending upon where I got the information it may be inaccurate to the credit bureau. That is false. Both on the XXXX website and XXXX XXXX through my bank, powered by XXXX, the accounts are not report. My VISA account number is XXXX and the credit builder account as follows : XXXX Account XXXX and CD XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: CA

Complaint narrative:
Hi, I attempted to apply for insurance with XXXX and they mentioned that I had a consumer claim, so I went to investigate and it was a claim under Lexis Nexis company. I asked for my information so I can try to dispute it if its wrong. After searching the information, I found out that my dad signed my name as policy holder for insurance with XXXX XXXX, along with himself, my mom, and my younger sister XXXX. My sister had a car accident in the past, and under Lexis Nexis report, the claim for some reason, is under my name instead of her, so I went ahead and tried to dispute it. 

I sent them an email with screenshots of the claim info and the insurance info and stating that the claim is under my name but it is my sister and her car that are registered under the accident so I would like to dispute. Email was sent around XX/XX/2023. I got an auto reply back mentioning their site and that they have started the record and so on. I then noticed that it asked for other information like my driver license and car information so I went ahead and sent my info again on XX/XX/2023. 

Till today, XX/XX/2023, they still have not replied to me, all I get are auto replies from them when I submit anything and I urgently need them to reply and help me dispute it so I can move ahead and get my car insurance without delays or cancellations due to this claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
To whom it may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed being OPEN, but also having a past due. BALANCE of {$3500.00} This is a violation of the FCRA and is in violation of requisite XXXX XXXX reporting standards. 
According to the Fair credit reporting act. I have a right to completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. 
Please Immediately remove this account from my credit report and send me an updated report with all XXXX XXXX reporting standards and this account removed upon completion. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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:
Hello, In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

These accounts haven't been late since 2019. The information is inaccurate. Please remove late payments from below accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Is current. 
XXXX XXXX XXXX XXXX - XXXX - Is current. 
XXXX XXXX XXXX XXXX XXXX - Is current. 
XXXX XXXX XXXX XXXX XXXX XXXX Is current.

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