vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Hello the XXXX XXXX XXXX  account listed on my XXXX credit report was charged off in XXXX and was recently settled and paid. It is now reporting in the payment history listed on XXXX as charged off in XX/XX/XXXX when in fact it was settled and paid in XX/XX/XXXX. XXXX shows no payment history for this account and the status as paid and Equifax has it showing as account status charged off. I have the right to accurate complete XXXX percent verifiable information on my credit report per FCRA. This account is also a negative account that is more than XXXX XXXX XXXX and outdated information appearing on my report is a violation of FCRA. Please see attached copies of my XXXX Equifax and XXXX reports regarding this account. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hello the XXXX XXXX XXXX account listed on my Experian credit report was charged off in XXXX and was recently settled and paid. It is now reporting in the payment history listed on Experian as charged off in XX/XX/XXXX when in fact it was settled and paid in XX/XX/XXXX. XXXX shows no payment history for this account and the status as paid and XXXX has it showing as account status charged off. I have the right to accurate complete 100 percent verifiable information on my credit report per FCRA. This account is also a negative account that is more than XXXX XXXX XXXX and outdated information appearing on my report is a violation of FCRA. Please see attached copies of my Experian XXXX and XXXX reports regarding this account. 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 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  # listed below XXXX, XXXX, Equifax, 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # listed below XXXX, Experian, 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 XXXX XXXX XXXX XXXX Account Number : XXXX Last Updated Date : XX/XX/2022 Amount : {$3400.00} XXXX  XXXX last Updated Date : XX/XX/2022 Account Number : XXXX Amount : {$470.00} XXXX XXXX  Date : XX/XX/2022 Account number : # XXXX Amount : {$56.00} XXXX XXXX  XXXX XXXX Date XXXX XX/XX/2022 Account Number : XXXX Amount : {$1000.00} XXXX XXXX XXXX XXXX Date XXXX XX/XX/2022 Account Number : XXXX Amount : {$660.00} ______________________________

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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, the list of accounts below has violated my federally protected consumer rights to privace and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX, DEPT OF EDXXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX 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 15 U.S.C 1681 section 602A. States I have the right to privacy 15 U.S.C 1681 section 604A section 2. 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.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2022, I received a text message stating that I had a low balance and a withdrawal was made of {$420.00}. I called the bank telling them it wasn't me then called back because my family needed that money for hardship in paying bills. I was denied due to the investigation they did which I know without a doubt it wasn't me or someone I know. My bank card was in my wallet. I woke up that morning to no money in the account. I have filed a police report as well hope whoever it was gets caught

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I wrote my monthly payment check # XXXX for the sum of {$2400.00} to XXXX XXXX, my XXXX XXXX XXXX account, ending in XXXX ( my checking account is with XXXX XXXX XXXX  ) on XX/XX/2022. It was cleared by XXXX on XX/XX/2022. The check was deposited to Bank of America without an endorsement. XXXX XXXX uses XXXX XXXX Bank, and does not have an account at bank of America. XXXX XXXX XXXX  immediately notified Bank of America of the fraud. ( The US Post office confirmed that the blue mail box, into which the mailed payment had been inserted, had been looted- and since the box has been removed ). I have been told that B of A has 90 ( or 120 ) days to return the funds to XXXX. Nothing has happened and I still am unreimbursed. More than 120 days has passed without B of A returning to me the funds. My understanding is that a check can not be cleared without an endorsement, and of course, can not be deposited into an account not the same as the payee on the check. B of A is failing to comply. Either B of A or XXXX ( or both ) should reimburse me immediately for this fraud. Neither can clear a check without an endorsement. Copy of the check was supplied to XXXX and by it to B of A ( along with my fraud affidavit, and other documents ), and yet there has been no action by B of A. It has been more than 120 days. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: Synovus Bank
State: GA

Complaint narrative:
I want arbitration, and I have been sending Synvous, letters to that effect, but they want to play hard ball on a charged off account, why I don't know. 

I should not have to pay the whole account amount because they have received a TAX benefit from the Government. 

I will sue them if they don't come to the table and resolve this account. 

They are also reporting false information on my XXXX dollar payments to I am providing to show good faith. They are still saying I am paying {$50.00} dollars that's all lies. 




XX/XX/XXXX Consumer Financial Protection Bureau Re : Complaint of XXXX XXXX ; Case # XXXX Our goal is to provide our customers with the best possible banking experience. Our customers feedback is important to us, and we would like to share our findings after reviewing the matter you brought to our attention. 
XXXX XXXX complained he is unable to keep up with whom he owes as the name of the Bank has changed. XXXX XXXX also stated he was told his account was with a collections agency, but that no one was able to tell him which agency. XXXX XXXX claimed Synovus is reporting late payments contrary to an agreement with Synovus that once the card was paid in full, the Bank would remove the negative reporting from his credit report. 
XXXX XXXX account was charged-off on XX/XX/XXXX, in the amount of {$12000.00}. The account is currently credit revoked and it is XXXX days past due. The account has not been current since XX/XX/XXXX. XXXX XXXX 
XXXX last payment on the account was made on XX/XX/XXXX, for {$50.00}. XXXX XXXX requested that all negative reporting be removed from his credit bureau ; however, in the absence of any supporting documentation that this account was charged off in error, the account can not be removed from his credit bureau. Finally, Synovus does not make agreements with customers to remove negative credit reporting in exchange for payment. 
If XXXX XXXX has further questions, he should give us a call at XXXX SYNOVUS ( XXXX XXXX or stop by a branch. Were here to help. 
Sincerely, XXXX XXXX XXXX Complaint Resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Hi, On XX/XX/2022 someone hacked my Wells Fargo accounts, transferred all the money from personal checking to my business checking and then wired everything out of the business checking. I filed a claim within 24 hours of it happening but then got a letter from the bank saying my claim was denied. I called to file an appeal, they said they won't reopen the case because they don't have strong evidence that it was fraud, when I ask what I need to provide as evidence they said nothing because the claim is closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have a credit card to care credit for my medical expenses I have never missed a payment and they lowered my credit limit when I wasn't even maxed out on the credit line and now I can't afford my medical procedure. 
This credit card is through Synchrony Bank 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 2022-12-28 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: OR

Complaint narrative:
Unauthorized XXXX XXXX XXXX  account reporting. 

Failure to provide WRITTEN CONSUMER AUTHORIZATION to furnish consumer 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 2022-12-28 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX 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 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, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NV

Complaint narrative:
To whom it XXXX concern, 4 years ago Saturday, XX/XX/2018 my family and I literally moved across the country after signing a lease online, moved my family to this apartment complex XXXX XXXX XXXX XXXX, After driving 4 days and paying an additional {$1000.00} dollars to receive the key the apartment was absolutely horrible so we decided to go to a hotel for the night to figure out what we should do. I explained to them we could not live there and they explained they had other apartments in their portfolio so I agreed to look and found nothing to our liking. They refused to give us any of the money back we gave them and put a collection on my credit in the sum of {$4500.00} now it's in the hands of a collection agency. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, GA XXXX. 
Thank you for your time in this matter, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
had an account with XXXX  XXXX and on mulit atemps to use card payments and use of card was declined when i paid what they said was owed it was not reported to the card the day it said it would be and it resulted in fees being charged to me by my bank and my account with the bank being in risk of being closed. i was contacted by XXXX  XXXX customer collections saying my account was closed then recieved a statement saying i owed them a payment. then on XX/XX/XXXX got a calls saying that my account is not closed and demaning payment ; which is in violation of the 15 USC 1692d Harassment or abuse. also the fair credit reporting act 1666b ; and 15 U.S.Code 1692k civil liability. I have reached out to the billing error department in writing and via email also with no responce as of yet and i do know that accourding to the HJR 192 that was replaced with 31 U.S. Code 5118 Pub. L 97-258 that all debt is that of the United states according to the Gold clause & consent to sue. they have also not remitted any of my payments to me or my account but they send a statement each month of the intrest they have recieved on my account but again i have reciereved no credits to my account and the sercuities they exchange act and mail fraud has also been violated with improper delivery of this incorrect form

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  account # XXXX XXXX  Balance {$900.00} account # XXXX XXXX XXXX XXXX Balance {$50.00} account # XXXX XXXX XXXX Balance {$0.00} account XXXX XXXX XXXX XXXX Balance {$330.00} account XXXX XXXXXXXX XXXX XXXX XXXX  Balance {$100.00} account # XXXX Balance {$55.00} account # XXXX XXXX XXXX XXXX XXXX Act. # XXXX XXXX XXXX Act. # XXXX XXXX  XXXX Act. XXXX XXXX XXXX XXXX XXXX Act. # XXXX XXXX Act. # XXXX XXXX Act. # XXXX XXXX XXXX XXXX XXXX Act. # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states the right to privacy.

15 U.S.C 1681 section 604 A section 2 : also states 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 2022-12-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I called boa to inform them of my mortgage not being report to XXXX, the mortgage is reflected on the other 2 credit reporting agencies. They sent me correspondence detailing the call. Fast forward 90 days later the account still isn't on my credit report so I sent another correspondence and called them to inform them. They sent a letter stating that the account had been resubmitted to 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 2022-12-28 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: CITIBANK, N.A.
State: OR

Complaint narrative:
on XX/XX/2022, I came to Bestbuy at Address : XXXX XXXX XXXX XXXX, XXXX, OR XXXX. I walked in and purchased 4 of {$500.00} XXXX XXXX using my Citi Bestbuy Credit card. On the following day which is XX/XX/2022, I came to XXXX XXXX at XXXX XXXX at Address : XXXX XXXX XXXX XXXX, XXXX, OR XXXX. I attempted to purchase XXXX XXXX XXXX  on the releasing date. When the representative scanned my XXXX XXXX, He said my giftcard was marked as fraudulent and it contains suspicious activity, so I have to perform an online order. However, I tried to place order on XXXX website for the XXXX XXXX XXXX XXXX, it showed me authorization failed several times for both 4 giftcards that I purchased. I tried to contact XXXX  at XXXX phone number, they didn't solve my issue at all, all they did on the phone is transferring me between agents. I have done contacting them every single day over 1-2 months and my problem still hasn't solved. Each day, I spent 10 hours contacting them and it makes me frustuated. I attempted to bring the gift card to XXXX store where I purchases for returning, and the refused to take it back. I ended up filling dispute on Citi Bestbuy Creditcard when my brother suggested me. The first time I called in for a dispute was submitted on XX/XX/XXXX, they closed my case without giving me any reasons. I resubmitted the dispute on XX/XX/XXXX, they gave me credit back on my account on XX/XX/XXXX, and they took the money again on XX/XX/XXXX with a reason " No response for dispute ''. I called in bestbuy credit card multiple times, and I didn't get the right agent each time when I contact. they keep forwarding me to bestbuy store agent, and that agent couldn't help with my dispute concern. I really feel frustuated by trying to solve this problem. {$2000.00} is my hard earned money for the XXXX, and I want to get them back that's why I want to submit a complaint on consumer finance.

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 2022-12-28 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX U.S Department of Education : # 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 explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Please see attached documents.

Company response to consumer: Closed with explanation