vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-02 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
This company has the worst business ethics. I have reached out to them via email and have yet to receive a response. My credit has been destroyed due to their practice. Here is the story how we got to this point. I reached out to them to set up a payment plan. During this phone call I asked the representative several times will the payment plan stop the late history from reporting on my credit report which the representative insured me it would not report late anymore under the plan. I made my first plan payment then weeks later check my credit report and there were late payments reported. I have reached out to this company to resolve this and have those 60 day late payments removed and have had XXXX results. I am asking if they don't remove the late payments to have them submit a copy of the phone call with the representative. I have since caught up on the payments to save my credit from further damage from this company. I have XXXX late payments from any other creditors I deal with. This company kept reducing my overall credit limit, raising my utilization while my payments were all on time. They eventually closed the account with no late payments on my account. This company is one of the worst companies to exist. There reviews prove my point. I just want the 60 day late payments off my credit.

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 2022-08-02 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: IL

Complaint narrative:
Notified by Bank of America of fraud on my credit card via voice-mail and when I logged into my account on XXXX XX/XX/2022. MY CARD WAS DECLINED FOR TRnsCtions on XXXX XX/XX/2022. I called them on XXXX XX/XX/2022 and verified that the transaction for XXXX dollars on XXXX XX/XX/2022 I did not authorize and this was listed on my account as an ACH Payment Refund. I called Bank of America again and they told me to go into one of their offices. I went into Bank of America offices on XXXX XX/XX/2022 so the could verify my identity and talk to fraud personnel for the third time. They said the investigation would take up to 60 days. During my second call they said they would send me a cashiers Check. I have received different information each time I have called the fraud department about the circumstances of what happened and the resolution, very confusing/misleading.

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 2022-08-02 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/20XXXX 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 2022-08-02 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: GA

Complaint narrative:
I just received notice on my complaint filed XX/XX/2022 CFPB # XXXX that the company needs 60 days to respond and or investigate my complaint. This is unacceptable and a violation of the FCRA which states they have 30 days to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am unable to open type of banking account t with any bank due to having a fraud alert in my chase account back in 2012 I report to the chase that I was a victim of identity to the point I can not bank with anyone which is unacceptable and I need this removed immediately. I cant not move forward with my life and manage my funds if I can not open an account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-08-02 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-08-02 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: NY

Complaint narrative:
I would like a proper investigation under these hard inquiries I did not give any permissible purpose for I would like to have a proper investigation showing written in writing my signature or authorization to run my credit. In accordance with the Fair Credit Reporting act. They have 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.

Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I had 2 accounts with XXXX XXXX XXXX. I closed both of them at the same time, one had a balance of less than {$10.00} and the other one was over {$1000.00}. I have been paying on the higher balance one as I agreed with the amount owed. 
The account ending in XXXX I disputed with Resurgent. They sent me the statements and there are 3 months of no statements where the amount owed went from less than {$10.00} to over {$1700.00} and kept accruing interest and late fees, now totaling {$2100.00}. I have repeatedly asked for them to show where the charges came from on a closed account. The last agent I spoke with at Resurgent advised me that I have to prove I didn't make the charges. No, you have to provide me documentation showing where the charges came from, which they have repeatedly failed to do so. 
This account was closed, I would be happy to pay the balance that was showing on the final statement that was less than {$10.00}, but I will not pay for any more as I didn't have the card and they can't provide what the charges were after the final statement I had originally received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2022-08-02 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: MO

Complaint narrative:
It has come to my attention that Experian was in violation of FCRA ( 15 U.S. Code 1681b ) -Permissible purposes of consumer reports, by furnishing a consumer report without my written permission. Information on that report was also inaccurate ( XXXX XXXX XXXX in the amount of {$110.00} and XXXX XXXX XXXX in the amount of {$1800.00} ) which i disputed. I was informed the debt had been reinvestigated and validated, meeting FCRA requirements, which is completely false. Which is a violation of ( 15 U.S. Code 1692d ) - Harassment or abuse ( 1 ) ( 2 ) and ( 4 ). I called Experian twice to no avail. No adequate customer service, which is also a violation of ( 15 U.S. Code 1681h ) - Conditions and form of disclosure to consumers. Section ( c ) Trained personnel Each violation is regulated by the FCRA with a remedy amount ( 15 U.S. Code 1681n ) - Civil liability for willful noncompliance

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 2022-08-02 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/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 2022-08-02 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: TRUIST FINANCIAL CORPORATION
State: AE

Complaint narrative:
To start, I have had at least one mortgage with XXXX for over 20 years. In that time I have made timely and accurate payments every month and on the same day. About the time SunTrust merged with Truist ( XX/XX/2022 ), I started to receive unexplainable charges/balances on my online account. It showed an amount due of one amount and a negative balance of a larger amount. I had no idea what these charges and balances were but I tried to pay the larger negative balance and received a message that I could only pay the lower amount. I contacted Truist about this and they went into research it. They replied with a response I didn't understand but basically it was an issue on their side. I never learned what the issue was or what happened to the amount that I paid to try to bring the account into balance. 

Then, I discovered that they were filing negative reports to the credit bureaus. I immediately contacted them about this. Again they went into research mode and never contacted me back. It was only after I sent a letter to the CEO, did I get a response back. They said that they had not posted negative information to the credit bureaus. Yet, I made copies of the report and sent in to them. Again, they went into research mode and never contacted me back until I again sent a note to the CEO. Their customer support person claimed that the negative reports were accurate and that I had several late payments. However, I went to my statements over the last several months and not one showed an unpaid balance or late payment due. I am very confused and am getting no support from Truist. 

Per my research, it appears that Truist had changed the account number on the account when they merged. If they informed me of this, I was not aware despite having multiple ways to contact me. And still, the payments were made and accepted by Truist despite the account number that was being addressed. 

Again, I have been a mortgage and account holder with SunTrust for over 20 years. It appears they value one side of that relationship but did not hesitate to damage my credit rather than find a way to contact me and explain changes that might impact my accounts. Again, I still do not know when or if there is balance that needs to be addressed as Truist has given me no explanation as to what caused them to report me to the credit bureaus.

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 2022-08-02 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: CCS Financial Services, Inc.
State: OR

Complaint narrative:
I have contacted the company numerous times and they can not provide any information on the validity of the debt. I was a customer of XXXX, but paid them off upon changing insurance providers. Several months later, the following appeared on my credit report showing a XXXX balance. I have contacted both the collection agency and XXXX with no response. I have submitted disputes with XXXX and the information comes back verified. 

The debt was paid before going to collections, the collections account was put on credit report starting with a XXXX balance, there has been XXXX validation from the agency nor any communication from them. 

-- {$0.00} Reported balance Original balance {$130.00} Opened XX/XX/2019 ( 3 yrs, 0 mos ) Original creditor name XXXX XXXX  CREDIT COLLECTION SERVIC XXXX XXXX XXXX XXXX, MA XXXX XXXX ( XXXX ) XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE
State: NC

Complaint narrative:
I have no idea how, but I have {$960.00} worth of debt from XXXX XXXX XXXX. I havent been to XXXX XXXX XXXX since I was born. I live an hour+ from there so I have no idea how I have a debt from this place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief