vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-10 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: FL

Complaint narrative:
I used the " Pay My Provider '' application on the CareCredit.com website, a credit card managed by Synchrony Bank for a service I received on XXXX XXXX at XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. And two separate charges appeared on my credit card statement for statement closing date XX/XX/XXXX, posted on XX/XX/XXXX. One charge for {$530.00} to XXXX XXXX XXXX XXXX XXXX XXXX FL, and another charge of {$430.00} to XXXX XXXX XXXX XXXX XXXX XXXX FL. 

However, my medical provider that was supposed to be paid by Care Credit for the procedure I had says they have not received payment from care credit for the charges indicated above and I still have a balance due. 

I sent a certified letter with return receipt which was post marked on XX/XX/XXXX and per certified tracking was received at the address XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX FL XXXX on XX/XX/XXXX. I expected to be notified in writing within 30 days of Care Credits Billing Error 's receipt of the letter that the dispute had been acknowledged BUT I WAS NOT. Furthermore, I did not receive a notice regarding the resolution to my dispute in writing or otherwise, but I was after 60 days required to continue to make minimum payments. 

I sent electronic correspondence on XX/XX/XXXX through Synchrony Bank 's message center documenting their lack of response to my dispute, along with attachments provided to my from XXXX XXXX XXXX billing department of my patient ledger of all payments made to the account for the service provided to me on XX/XX/XXXX, all of which were paid directly by me and not by Synchrony Bank Care Credit. In response I received on XX/XX/XXXX is that they would use the attachments I provided in their investigation into the dispute. I have not heard back since. 

I have reached out to both XXXX XXXX Billing department and Care Credit to resolve the payment discrepancy between themselves, but each department is pointing me to the other party. In other words Care Credit wants XXXX XXXX to call them and XXXX XXXX wants Care credit to call them. Now I still owe both XXXX XXXX and Care Credit for the same procedure I had completed on 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 monetary relief
Consumer complaint received 2022-12-10 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: TX

Complaint narrative:
Experian fails to thoroughly correct errors regarding XXXX XXXX discharge amounts. All the amounts on Experian, XXXX, and XXXX displays different amounts. In addition, also total debts from each bureaus are not the same. The previous furnishes have submitted inaccurate amounts and its been on my profile, hurting my opportunity to improve my credit scores.

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 2022-12-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Fidelity National Financial, Inc
State: IL

Complaint narrative:
FRAUD WAS ADMITTED TO BY XXXX. THIS IS AFTER XXXX XXXX AND I WERE MADE TO DO HANDWRITTING TEST. TE WENT TO XXXX XXXX POLICE DEPARTMENT TO HAVE IT DOCUMENTED, BECAUSE WE DON'T TRUST XXXX. XXXX REPORT WAS MADE. 

I CALLED FOR A COPY OF XXXX XXXX ' HANDWRITING TEST, AND XXXX TOLD ME NO, THAT IS THEIRS, FOR INTERNAL USE. 

WE WERE ASKED TO DO THE TEST A 2ND TIME. I DID BUT DO TO THE FOLLOWING, XXXX SAID, MAN XXXX   EXPLATIVE. 
THAT NOTARY BROAD IS ABOVE EVEN BEING ASKED. PREDJUDICE XXXX XXXX XXXX ( EXPLATIVE ). 

I DID THE 2ND HANDWRITTING TEST IN POLICE STATION. 

WHAT XXXX AND I DID WAS SEE XXXX XXXXXXXX XXXX  BEAUTIFUL PENMANSHIP WAS EXACTLY THE SAME AS THE FORGED DOCUMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 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: DISCOVER BANK
State: NV

Complaint narrative:
In accordance with the fair credit reporting act XXXX Discover Bank, has violated my rights. 

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: HI

Complaint narrative:
I got a collection notice in the mail from LVNV funding for a debt that was already settled. I wrote them a letter on XX/XX/2022 within the 15 day period after they sent the letter asking them to validate the debt and to cease and desist all collection efforts until they could prove there was a debt owed and they own the debt. The company never responded and still proceeded to report the account on my credit report on XX/XX/2022. This is highly illegal and this company is still in business regardless of them repeatedly violating federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX Account Number : [ XXXX Reason : [ NEED 90 DAY LATE PAYMENTS REMOVED HAVE NO IDEA OF THIS ACCOUNT NEED REMOVED ASAP PLEASE. ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 10 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in 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 2022-12-10 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: CA

Complaint narrative:
On XX/XX/2005 there was an account open in my name and social security number due to identity theft by someone who stole and sold my identity. This account doesnt belong to me and is on my Equifax credit report. The account number is XXXX, the amount is {$780.00}. 
I have called this company numerous times to get this resolved and they just put me on hold and never come back to the phone. Ive tried to get this resolved with Equifax as well. 

The company name is XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 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: NY

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.

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 instructons 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 vears. 

15 U.S.C. 1681s-2 ( AX1 ) 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 2022-12-10 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

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 2022-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : XXXX XXXX XXXX ] Account Number : [ XXXX Reason : [ account is closed need late payments remove I'm not responsible of this account info, can I get this off my profile asap please. ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 10 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter. Sincerely, [ XXXXXXXX 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 2022-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } XXXX XXXX { Credit Bureau XXXX no of XXXX } { Credit Bureaus : ALL 3 } { XX/XX/2022 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { insert date of report } and I noticed an unauthorized credit inquiry had been made. I contacted { inquiry sources name }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ inquiry sources name ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { XXXX XXXX }

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 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: NV

Complaint narrative:
I have tried to dispute through the proper channel but with no satisfaction. Starting with certified mail : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The credit bureau Equifax, XXXX, and XXXX didn't address the reinvestigation policy and laws. The stamp of approval for the reinvestigation was not on the conclusion. The stamp is XXXX ( automatic credit dispute verification ) meaning when you send a dispute to the credit bureau electronically XXXX will get the dispute and send it out to the creditors being disputed. XXXX also stamps the dispute to the creditor. In return they have to verify 100 % of all information is correct. Without this stamp from XXXX, this investigation is illegal. 
My next phase of action is Pre-litigation for all infractions on my credit report. I am looking for a lawyer who can take on my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

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 2022-12-10 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: IL

Complaint narrative:
15 USC 1681 Section 602 States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 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: NJ

Complaint narrative:
Hello, Experian continues to abuse its power as a credit reporting agency. Experian has failed to verify the accuracy of the reported information in my credit file. I have disputed the reported account from XXXX XXXX  XXXX. I have requested the method of verification of this account numerous times as well as any contracts/agreements bearing my signature and agreement for responsibility the credit bureau has as part of their verification process to determine the validity of this reported account. Experian has failed to provide me with this information or notifications sent to me that alarmed me that this account will be reporting on my file or verifying with me that this account was opened on my behalf as required by FCRA. 

Experian has not done their diligence in assuring initially all reported information is 100 % accurate. Every time I report the said above account they update the information as verified and make changes. 

According to the FCRA, all information has to be verified as 100 % accurate the first time, and if not the account has to be removed. Experian has updated the information on the said account three different times, and validated the the initial dispute results stating the information was verified as iaccurate, but have chnged te information several times. This does not seem like the information was accurate if continuos updates and changes are made. If this was the case this account would not require the multiple updates and changes that Experian has done. Experian is allowing XXXX XXXX XXXX to tarnish my credit and supporting the fact that this account only states it is accurate with no proff provided as required by the FCRA. When they are supposed to protect the consumer, they have been allowing this debtor to cause credit denials, job turndowns and much more without assuring this information is 100 % accurate. 

on XX/XX/2022, XX/XX/2022 and XX/XX/2022 Experian dispute results state this account was verified and each time different information was updated. If on XX/XX/2022 dispute results the account was verified and updated why would information need to be changed on XX/XX/2022? and then again for the results provided XX/XX/2022? This said account is reporting a positive payment status with no late payments but also shows a charge-off on the same account two years later with no payment information reported in between, no missed payments etc. This does not seem verified or accurate as Experian has stated on these many disputes. 

This information is also being forwarded to the FTC and the attorney general for investigation.

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 2022-12-10 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I reported my card stolen in XX/XX/2021. There were charges on the card total lying {$2700.00}. 
They rejected my fraud request and said I had made the purchases. They were almost all in areas outside my local area. I filed a police report also for the theft. Bank of America rep says most like the reason for the rejection was the fraud claim was too large. Rep on the phone could see its obviously fraud. Bank says they cover card for fraud so its fake advertisement by the bank. My case number with Bank of America is # XXXX. If go to the bank they tell me all i can do is call a number that I can't get through to.

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 2022-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ] | XXXX : [ XX/XX/XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : Account Name : [ XXXX Account Number : XXXX ] Reason : [ need late payments removed asap, ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 10 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. Thank you for your time and help in this matter. Sincerely, [ XXXXXXXX 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 2022-12-10 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: Navient Solutions, LLC.
State: IL

Complaint narrative:
Navient has reported my account 90 days delinquent although there is a current payment pause that is supposed to be in effect for all student loans at this time per the Biden Administration.

Company response to consumer: Closed with explanation