vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have no idea what they think I owe them or why, ( and I don't care and I don't care about their threats to damage my credit rating. Even if they try that, they can't hurt me in that regard ). I have never had any dealings with them. However, many years ago they did withdraw about {$25.00} per month from my checking account at my bank up to about {$500.00} before I caught on to it. My bank claimed they didn't know who or what institution was doing it and they couldn't ( wouldn't ) even tell me where the money was going, but I don't believe them. I found out by accident a couple of years later when I was contacted by Synchrony Bank, the institution that is harassing me now and that took the money. My bank wouldn't help me recover the stolen money either, because after the 2 latest withdrawals the time limit for them to act was past. They only recovered the last 2 months ' worth of thefts from my account. After claiming to not know where it was going, they managed to recover 2 months ' worth. They can't explain that.

These people have been calling my cell phone 2-3 times per day for several years now. I block their number every time but they are still able to call and leave messages. I never answer their calls. When I did answer a number of times, I told them to stop calling me, but they ignore my requests.

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 2022-10-05 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: CA

Complaint narrative:
This company is continually reporting incorrect information on my credit report! I requested this company to validate the debt and they have not provided me with I also asked to show me the method of verification and they have not sent me anything! I also asked this company to show me how investigated the negative items on my report they have also not provided me any of these items! 
This company is effecting my credit report negatively and it is not allowing me obtain any credit lines in order to provide my family! This company is braking several laws while violating my rights as a consumer under the FCRA & FDCBA! 
I reached out to the courthouse they sent me this letter in the mail that I will attach they do not report my bankruptcy to the credit agencys, somehow they wont give me the method of how they are validating this information. I asked the third party vendors to not share my information as I have consumer laws in place to protect me! They continue to ignore me 15 U.S. Code 1692- ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy 15 U.S. Code 1681- ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports. In accordance with the written instructions of the consumer to whom it relates 15 U.S. Code 1681a - Definitions ; rules of construction. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

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 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 2022-10-05 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: CA

Complaint narrative:
This company is continually reporting incorrect information on my credit report! I requested this company to validate the debt and they have not provided me with I also asked to show me the method of verification and they have not sent me anything! I also asked this company to show me how investigated the negative items on my report they have also not provided me any of these items! 
This company is effecting my credit report negatively and it is not allowing me obtain any credit lines in order to provide my family! This company is braking several laws while violating my rights as a consumer under the FCRA & XXXX! 
I reached out to the courthouse they sent me this letter in the mail that I will attach they do not report my bankruptcy to the credit agencys, somehow they wont give me the method of how they are validating this information. I asked the third party vendors to not share my information as I have consumer laws in place to protect me! They continue to ignore me XXXX XXXX XXXX XXXX- ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy 15 U.S. Code 1681- ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports. In accordance with the written instructions of the consumer to whom it relates 15 U.S. Code 1681a - Definitions ; rules of construction. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

ACCOUNT : XXXX XXXX  AUTO ACCOUNT # : XXXX DATE OPEN : XX/XX/XXXX ACCOUNT : XXXX XXXX ACCOUNT # : XXXX DATE OPEN : XX/XX/XXXX ACCOUNT : XXXX  BANK AUTO XXXX ACCOUNT # : XXXX DATE OPEND : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX CO ACCOUNT XXXX : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT : XXXX XXXX XXXX ACCOUNT # : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT : XXXX ACCCOUNT # : XXXX DATE FILED : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: HOVG, LLC
State: AZ

Complaint narrative:
I have written XXXX in XXXX, XXXX, and now XX/XX/2022. The collection agency Bay Area Credit Services, account XXXX and XXXX failed twice to communicate and validate the debt with me according to my rights under the Fair Credit Reporting Act. I've requested these collection accounts be investigated and removed. All I get back from XXXX is " the account has been verified ''. They and Bay Area Credit Services have not provided me any proof or validation as requested 3 separate times and it continues to show on my consumer report. Again the collection agency fails to provide validation or communication as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 2022-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: CA

Complaint narrative:
I am a paying member of the XXXX XXXX  app. In this app, there is a XXXX section where credit providers pay XXXX to advertise their credit cards. 
On XX/XX/2022 I logged into the XXXX app and was presented with a pre-approved Discover credit card option link. The link stated I was pre-approved for a Discover Card, and by clicking it I would be taken to an application page to accept the pre-approved offer. The link also said there would be no effect to my credit score by clicking the link. 
I clicked the link, and was told that they needed additional time to process my application even though there was a claim of being pre-approved. 
Upon exiting the Discover application, I was notified by the XXXX system that my credit report was obtained by Discover even though their link stated there would be no effect on my credit score. I was informed it was a hard credit pull that decreased my XXXX score by 10 points.

Approximately 10 days later, I received a denial notice from Discover by XXXX mail. So much for being pre-approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I reserved XXXX XXXX for one night on XXXX on XX/XX/XXXX. There should be no charges since I only used my chance debit card to hold the one night stay. But the hotel charged me one night fee on the XXXX. Then I went to this hotel on XXXX and checked in using another international credit card to pay for the fee, not the chase debit card. By the time, I didnt realized that I was charged on the XXXX. I only book one night stay, but I was charged twice. After I checked out from the hotel, theres another XXXX dollars transaction on my chase debit card. Then I called the hotel asking about it, there was no damage to the room so I shouldnt be paying about XXXX dollar more. Then I contact the back about this unrecognized transaction, they first give a temporary credit to me, but on XX/XX/XXXX, chase bank reversed my transaction, the bank again charged my XXXX dollars which I should not be charging. I did use my debit card at XXXX XXXX and use it to reserve the room, but the hotel charge me a lot more than that. And chase also refused my fraud claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
cfpb complaint # XXXX Experian Is over the time of investigation, Experian responded with the start of investigation XXXX XXXX, 2022. Then XXXX2022 they responded again stating they were still working on my issue and reaching out to the alleged creditors/ furnishers of the reports that have no permission from me as the consumer to report private information, neither does Experian. It is now XXXX2022, Experian has had enough time to investigate. PLEASE REMOVE 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 explanation
Consumer complaint received 2022-10-05 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I disputed two late payments for my car note from Chrysler Capital for months XX/XX/XXXX and XX/XX/XXXX on my credit report from XXXX. The finance company offered Covid relief during this time and advised they would not report negative remarks during the pandemic. I attempted to dispute again and they will not allow it if I don't have documentation. I feel the dates are self explanatory, I don't have any documentation, I spoke to a rep over the phone.R

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: MI

Complaint narrative:
My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and remove all inaccurate inquiries I have listed immediately, the following includes : XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Bank ) XX/XX/XXXX XXXX Inquiry ( Bank ) XX/XX/XXXX XXXX Inquiry ( Finance ) XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: PA

Complaint narrative:
The credit bureaus did not do a proper " investigation '' according to the FCRA. 

XXXX XXXX XXXX Account # XXXX The term " Investigate consumer report '' means a consumer report or portion thereof in which information on a consumes character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom the consumer is acquainted or who may have knowledge concerning any such items of information. 

Experian did not do this. 

Also Experian has violated my rights in accordance with the Fair Credit reporting act everything has to be 100 % accurate. 

Experian stated my account was properly investigated but how is that possible if the late payment dates are being improperly reported? A late payment should report as 30, 60, 90, 120. Yet, my report reflects 30 days late twice within a 60 day time period twice in 2018. 

Also how was a proper investigation completed when the high credit amounts are being reported at different amounts? Also within review of my most updated completed investigation from Experian on the account XXXX XXXX XXXX XXXX the dates last active are reporting differently on my most updated report that was sent to me by Experian after the investigation was completed. Last the date of the last payment is also being reported differently on the report. 

This is grounds for removal as Experian informed me a proper investigation was completed and the information was accurate when in fact the information is not. 

I have submitted the reports from Experian that were provided to me after the investigation was completed. Within the attached documents you will find the highlighted false information within the reports.

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 2022-10-05 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX Collections Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Funding 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 non-monetary relief
Consumer complaint received 2022-10-05 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Collections Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: NC

Complaint narrative:
Equifax has refused to delete inquiries that have been found by me on my credit report that I did not create. 

Furthermore I have provided to equifax an identity theft report field recently with the FTC for identity theft and was instructed by the FTC to provide a copy of that report that was filed that clearly outlines inquiries on my credit report that I did not create, sign for, enter into any contracts or agreements as those inquiries remain alien to me and I demand that those inquiries be removed at once!! 

These are hurting my Credit score each day and I demand that equifax remove them now! 

I disputed these unauthorized inquiries with Equifax along with police report and FTC identity theft report and will not correct these inaccurate inquiries as listed on the FTC complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Resurgent Capital Services, as a non affiliate third party to XXXX XXXX XXXX, Resurgent has possession of my nonpublic information and is trying to extort me for {$1300.00} by communicating to the credit reporting agencies. The company purchased my nonpublic information and the alleged debt from XXXX XXXX XXXX. Via the CFPB COMPLAINT # XXXX Resurgent sent a letter stating they validated the debt and sent statements with my sensitive nonpublic information and an unsigned card agreement with no opt out form as proof of validation. Federal courts ruled in XXXXXXXX XXXX XXXX XXXX XXXXXXXX, that the account and general ledger statement signed under penalty and perjury and dated by the party responsible for maintaining the account is proper validation. Resurgent has misrepresented the character of the debt and committed aggravated identity theft. Also, they are unlawfully attempting to do business non licensed and non bonded in the state of New Jersey, which I s prohibited from attempting to collect a debt as a debt collector. These are multiple violations that are subject to monetary relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
So again Ive hired XXXX XXXX  to deal with these XXXX cards that were identity theft and they did charge jobs with XXXX XXXX XXXX and whatever other company it was called I cant think the stuff is stressing me out but either way I have been playing XXXX for quite a while I am being harassed by these companies they keep switching companies and going after me still even though they know that someone had identity theft at me so the new company now that theyre sending the debt to is XXXX XXXX XXXX XXXX will re-forward everything I sent these people and attach them to these files Once again sincerely XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: TX

Complaint narrative:
A hard inquiry from XXXX XXXX  appeared XXXX, called phone number and discovered this was a TransUnion hard credit pull and I have not applied for any credit recently. TransUnion rep filed a dispute, but did not provide a dispute nber or any other info for tracking resolution. Credit score dropped XXXX  points as a result of the hard pull

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