vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-25 00:00:00
Product: Credit card or prepaid card — Store credit 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: OH

Complaint narrative:
I placed an online order for a couch on Ashley Furniture 's website XX/XX/XXXX but at the end of the transaction the confirmation page listed the color brown but I ordered taupe. The purchase total was {$1900.00} and put on my Ashley Advantage credit card financed through Synchrony Bank. I telephoned Synchrony Bank at XXXX XXXX XXXX XXXX  ( 2 hours later ) to explain the situation and completely cancel the online order, stating I'd visit the local store instead. I spoke to a male representative with a heavy XXXX accent and was guaranteed all was cancelled, " no further action needed. '' No merchandise was delivered due to the Vance of this order. However, in looking at my credit reports on XXXX XXXX it showed a balance of the {$1900.00} owed to Synchrony Bank for Ashley Furniture credit card. I've lost count of how many times I've disputed this charge! They continue to insist I owe-without explanation or proof and the disputes get closed. In fact, 1- they said I stated " fraud '' at 1 point, closed the account and sent me a new card- of which I never activated! That account number now has the {$1900.00} on it! The last call I made to Synchrony was yesterday XX/XX/XXXX. I asked the status f my last dispute and they said it would be 60-90 days and that I just " re-disputed by phone to them 2 days prior, XX/XX/XXXX! I DID NOT CALL OR COMMUNICATE WITH THEM 2 DAYS AGO!!?? In addition, my credit reports are showing PAYMENTS HAVE BEEN MADE ON THIS ACCOUNT WITH COMMENT - PAID AS AGREED.. 
I never pay d them a dime for anything because I received nothing! Isn't that FRAUD??! 
We are going on a year and I'm getting nowhere with them! XXXX also filed a dispute on my behalf following my call to them for assistance. No explanation or proof of receipt of goods has ever been presented! I said come! I still don't have furniture!!!

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 2023-03-25 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX XXXXXXXX, Account name : XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-25 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: NY

Complaint narrative:
I am writing to dispute the inaccuracies on my credit report that have been reported by the following creditors : XXXX CHILD SUPPORT XXXX, XXXX XXXX XXXX XXXX, and XXXXXXXX XXXX XXXXXXXX. 

XXXX CHILD SUPPORT XXXX has reported inaccurate information to the credit reporting agencies, which may potentially violate the Fair Credit Reporting Act ( FCRA ) section 623 ( a ) ( 1 ) ( A ). Additionally, this creditor has failed to report the correct account status, which may potentially violate FCRA section 623 ( a ) ( 2 ). Furthermore, XXXX CHILD SUPPORT XXXX has reported different account type information on different credit reports, which may potentially violate FCRA section 623 ( a ) ( 1 ) ( B ). 

XXXX XXXX XXXX XXXX has also reported different account type information on different credit reports, which may potentially violate FCRA section 623 ( a ) ( 1 ) ( B ). Moreover, this creditor has reported inaccurate last reported dates, which may potentially violate FCRA section 623 ( a ) ( 1 ) ( A ). 

XXXXXXXX XXXX XXXXXXXX has reported different account type information on different credit reports, which may potentially violate FCRA section 623 ( a ) ( 1 ) ( B ). Additionally, this creditor has failed to report a monthly payment amount, which may potentially violate FCRA section XXXX ( a ) ( XXXX ). Furthermore, XXXXXXXX XXXX XXXXXXXX has reported different credit limit information on different credit reports, which XXXX potentially violate FCRA section 623 ( a ) ( 1 ) ( D ). Finally, this creditor has reported inaccurate last reported dates, which may potentially violate FCRA section 623 ( a ) ( 1 ) ( A ). 

These inaccuracies have affected me greatly, both financially and emotionally. As a result of these inaccuracies, my credit score has been negatively impacted, making it difficult for me to secure loans or credit cards with favorable terms. This has made it challenging for me to provide for myself and my family, and has caused me a great deal of stress and anxiety. 

Therefore, I am requesting that these unverified collection accounts be removed from my credit report as soon as possible. I am hoping for a prompt resolution to this matter, and I would appreciate any assistance you can provide. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA
State: NH

Complaint narrative:
On XX/XX/XXXX I scheduled a {$200.00} payment to the XXXX XXXX XXXX1st BankcardXXXX back XXXX On XX/XX/XXXX they processed a payment for $ XXXX the total balance on the card. On XX/XX/XXXX the payment cleared my bank, and paid 1st Bankcard, draining my savings and creating overdraft charges and not having monies to pay my bills for the rest of the month. 
On XX/XX/XXXX I called 1st Bankcard to report their error and issue a refund. They said the payment was on an internal hold and to call my bank to have them stop the payment. I called my bank and they relayed the payment can not be stopped because it already has cleared and has been paid to 1st Bankcard. They suggested to call 1st Bankcard again so they can reversed the payment. 
I called 1st Bankcard again. No results, they stated the payment was on a hold, until XX/XX/XXXX and I would have to call back on XX/XX/XXXX to have the refund processed. Needles to say, this is not acceptable and I was extremely mad. I explained they had my money, it has cleared the bank. I also explained, they already are showing the credit/payment on my XXXX Statement. They refused to issue the refund in a timely manner, basically stealing my money for over 10 days. 

Then I started thinking and remembered this happening before, and wondering how the XXXX could I hit pay balance in full when I have to enter the amount to pay. Just not something that would happen, let alone twice. I started looking back at my statements from 1st Bankcard and to my horror- this happened exactly 1 year ago to the date. I'm thinking this is not a coincidence but a bad business practice of this company. On XX/XX/XXXX 1st Bankcard process a {$12000.00} payment instead of my scheduled {$240.00} payment. Again, I had to call to have the payment reversed and again they did not process the refund in a timely manner, they waited until XX/XX/XXXX to refund my money. 

Now, is it possible for me to make a mistake and click the wrong button when paying a bill, yes. But is it probable- not likely since the pay in full button is not near the enter a payment amount. It is also not probable to make a pay in full payment twice, exactly a year to the day. Even when speaking to my bank, the representative commented, " maybe they did what they wanted, I'm just saying '' Funny how a credit card company calls or texts you when you make a large purchase, but don't inquire when a large payment, that is not normal happens. Could that be because I really didn't authorize that payment- highly probable. 

Two issues, not refunding their payment processing error in a timely manner and this strangley happeing twice- exactly a year apart.

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 2023-03-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Credova Holdings Inc
State: PA

Complaint narrative:
My account number with them is XXXX I applied for a loan to the sum of {$930.00} for a firearm accessory purchase online. The term was 12 months, at {$93.00} a month. 

In XXXX of 2022 I called and requested to pay off the remaining balance and made a lump sum payment if {$580.00}. 

In late XXXX I discovered they still held a balance on the account and had future charges I still owed. 

Between then and now I have called multiple times to resolve this matter. When I talked to a representative they said that what happened was the representative I talked to in XXXX failed to create a payoff process when I requested to payoff the loan. I would need to speak to the billing department over this issue. 

The billing department will not return my calls. I've called and emailed numerous times. My last conversation was a week ago in which I used their chat system to talk to a rep about this issue. They assured me that not only would they reach out to billing, a supervisor would call me back. 

I have not heard back. 

They refuse to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: KEYCORP
State: CA

Complaint narrative:
account was open without my permission fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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: NC

Complaint narrative:
Fraud on my account need account removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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: NC

Complaint narrative:
Fraud on my account need account removed

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 2023-03-25 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: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/2023. My Upstart ( one of them ) was reported paid and closed. Equifax reported it and dropped my score. 
On XX/XX/2023 Equifax reported it as open again, showing that I still owed the XXXX dollars which was paid back in XXXX. I dsiputed it. 

On XX/XX/2023 Equifax again reported the SAME account paid and closed and dropped my score for a second time for the SAME account that Equifax placed on my report as opened after it was closed. 

This is unacceptable. I have had to dispute several things with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to dispute the inaccuracies on my credit report that have been reported by the following creditors : XXXX CHILD SUPPORT XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX. 

XXXX CHILD SUPPORT XXXX has reported inaccurate information to the credit reporting agencies, which may potentially violate the Fair Credit Reporting Act ( FCRA ) section 623 ( a ) ( 1 ) ( A ). Additionally, this creditor has failed to report the correct account status, which may potentially violate FCRA section 623 ( a ) ( 2 ). Furthermore, XXXX CHILD SUPPORT XXXX has reported different account type information on different credit reports, which may potentially violate FCRA section 623 ( a ) ( 1 ) ( B ). 

XXXX XXXX XXXX XXXX has also reported different account type information on different credit reports, which may potentially violate FCRA section 623 ( a ) ( 1 ) ( B ). Moreover, this creditor has reported inaccurate last reported dates, which may potentially violate FCRA section 623 ( a ) ( 1 ) ( A ). 

XXXXXXXX XXXX XXXXXXXX has reported different account type information on different credit reports, which may potentially violate FCRA section 623 ( a ) ( 1 ) ( B ). Additionally, this creditor has failed to report a monthly payment amount, which may potentially violate FCRA section 623 ( a ) ( 5 ). Furthermore, XXXX XXXX XXXXXXXX has reported different credit limit information on different credit reports, which may potentially violate FCRA section 623 ( a ) ( 1 ) ( D ). Finally, this creditor has reported inaccurate last reported dates, which may potentially violate FCRA section 623 ( a ) ( 1 ) ( A ).

These inaccuracies have affected me greatly, both financially and emotionally. As a result of these inaccuracies, my credit score has been negatively impacted, making it difficult for me to secure loans or credit cards with favorable terms. This has made it challenging for me to provide for myself and my family, and has caused me a great deal of stress and anxiety. 

Therefore, I am requesting that these unverified collection accounts be removed from my credit report as soon as possible. I am hoping for a prompt resolution to this matter, and I would appreciate any assistance you can provide. 

Thank you for your attention to this matter. 

Sincerely, 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 2023-03-25 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: NY

Complaint narrative:
I am writing to dispute the inaccuracies on my credit report that have been reported by the following creditors : XXXX CHILD SUPPORT XXXX, XXXX XXXX XXXX XXXX, and XXXXXXXX XXXX XXXXXXXX. 

XXXX CHILD SUPPORT XXXX has reported inaccurate information to the credit reporting agencies, which may potentially violate the Fair Credit Reporting Act ( FCRA ) section 623 ( a ) ( 1 ) ( A ). Additionally, this creditor has failed to report the correct account status, which may potentially violate FCRA section 623 ( a ) ( 2 ). Furthermore, XXXX CHILD SUPPORT XXXX has reported different account type information on different credit reports, which may potentially violate FCRA section 623 ( a ) ( 1 ) ( B ). 

XXXX XXXX XXXX XXXX has also reported different account type information on different credit reports, which may potentially violate FCRA section 623 ( a ) ( 1 ) ( B ). Moreover, this creditor has reported inaccurate last reported dates, which may potentially violate FCRA section 623 ( a ) ( 1 ) ( A ). 

XXXXXXXX XXXX XXXXXXXX has reported different account type information on different credit reports, which may potentially violate FCRA section 623 ( a ) ( 1 ) ( B ). Additionally, this creditor has failed to report a monthly payment amount, which may potentially violate FCRA section 623 ( a ) ( 5 ). Furthermore, XXXXXXXX XXXX XXXXXXXX has reported different credit limit information on different credit reports, which may potentially violate FCRA section 623 ( a ) ( 1 ) ( D ). Finally, this creditor has reported inaccurate last reported dates, which may potentially violate FCRA section 623 ( a ) ( 1 ) ( A ).

These inaccuracies have affected me greatly, both financially and emotionally. As a result of these inaccuracies, my credit score has been negatively impacted, making it difficult for me to secure loans or credit cards with favorable terms. This has made it challenging for me to provide for myself and my family, and has caused me a great deal of stress and anxiety. 

Therefore, I am requesting that these unverified collection accounts be removed from my credit report as soon as possible. I am hoping for a prompt resolution to this matter, and I would appreciate any assistance you can provide. 

Thank you for your attention to this matter. 

Sincerely, 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 2023-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: DC

Complaint narrative:
On XXXX XX/XX/XXXX, I accessed my online checking account ending in XXXX to see the bank statements for XXXX and XX/XX/XXXX. The other 10 months were there online and the website said there were only 10 statements for XXXX. I immediately called Truist Customer Service at XXXX ( XXXX ) XXXX at about XXXX and spoke with XXXX XXXX I explained my problem and she placed me on hold to check the for the statements. She returned and said that bank records are only available for 7 years. I told her that bank records are available for 10 years. She said she would research the issue and placed me on hold again with music playing. After 10 minutes, she did not return, so I hung up while the music was playing. 
No other response from XXXX. 
Please investigate.

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 2023-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: MoneyLion Inc.
State: NJ

Complaint narrative:
I signed up for moneylion a long time ago and apparently I signed up for something that is causing my credit score to drop like crazy. I didnt even get a loan and they said I am missing payments on a loan. I tried to contact them to cancel the loan or to cancel the account and they never reached out to me again.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
A charge offs being listed on my on my credit report. 
1. XXXX XXXX as XXXX charge off. 
2. XXXX XXXX XXXX XXXX as XXXX charge off. 
3. XXXX XXXX  listed as XXXX charge off. 

Pursuant to F.R.C.A 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ) Charge-offs are considered as income and I have not received a 1099c for these listed amounts, therefore these accounts are inaccurate.

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 2023-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
A charge offs being listed on my on my credit report. 
1. XXXX XXXX XXXX XXXX charge off. 
2. XXXX XXXX XXXX XXXX XXXX XXXX charge off. 
XXXX. XXXX XXXX listed as XXXX charge off. 

Pursuant to F.R.C.A 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ) Charge-offs are considered as income and I have not received a 1099c for these listed amounts, therefore these accounts are inaccurate.

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 2023-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: SC

Complaint narrative:
received medical bill from the collection agency national recovery agency mailed a letter to them on XX/XX/2023 called to see if they got it on XX/XX/2023 this is the day the credit agency alerted me that this was already on my credit. I had not received any further notification on the validation of this debt. I am not sure what is going on but they aren't following the cfpb 1006.34., they need to get educated on following the law with each letter and roman numeral.I talked to an agency on XX/XX/2023 to first find out why the account had already hit collections without me getting any validation and it was XX/XX/2023. I want this removed from credit report because their practices are not serving me well.

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 2023-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
A charge offs being listed on my on my credit report. 
1. XXXX XXXX XXXX XXXX charge off. 
2. XXXX XXXX XXXX XXXX XXXX XXXX charge off. 
3. XXXX XXXX  listed as XXXX charge off. 

Pursuant to F.R.C.A 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ) Charge-offs are considered as income and I have not received a 1099c for these listed amounts, therefore these accounts are inaccurate.

Company response to consumer: Closed with explanation