vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-01 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Please be advised that I was XXXX  with XXXX XXXXXXXX in XXXX & XX/XX/2022. This is the third ( XXXX ) time I have contracted XXXX XXXXXXXX and the second ( 2nd ) time, I have been XXXX. 

I informed Synchrony Bank/JCP credit card that I missed the XXXX & XX/XX/2022 payments due to my XXXX XXXX XXXX 

Synchrony BankXXXXJCP failed to correct my 30-day late reporting for XX/XX/2022. 

XXXX XXXX  forced me to miss these payments. I am not sure what i could have done to prevent this. 

Thanks,

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 2023-01-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
On XX/XX/XXXX, I found that Credit Control Corporation, was negatively reporting an alleged medical debt to all 3 credit bureaus for {$1400.00}. On XX/XX/XXXX, I sent a debt validation letter to this collection agency by certified mail. The debt validation letter I sent is attached to this case file. As of XX/XX/XXXX, Credit Control Corporation has failed to respond to the debt validation letter and failed to adhere to the validation letter request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 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: VA

Complaint narrative:
In accordance with the fair credit reporting act, XXXX, Equifax and XXXX has violated my rights by having Bankruptcy XXXX XXXX XXXX XXXX XXXX on my reports. 

15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-01 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 XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Comerica
State: OH

Complaint narrative:
When calling number on back of my card to check balance, It seems the number XXXX has been hijacked and they try to sell you everything from car insurance to insurance for the elderly. 
If you don't push the buttons they ask you to they hang up. 
I contacted customer service who didn't believe me for one and didn't Bother to say " hold sir, let me check that number for you. 
Noooo! The super didn't know his job. I'm back where I started " no account info. I need help proving their number was hijack. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account XXXX XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX CO Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
As Dated XXXX XXXX, I, XXXX XXXX, consumer, credit worthiness has been judged by Truist Bank using inaccurate information from CRAs to deny my extension of credit. 
( see attachment )

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 2023-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I submitted a previous complaint about Ressurgent Capital Services, complaint # XXXX. 

On XXXX  they responded that they would cease communications with me. On that same day they also sent me letters looking to collect a supposed debt that is not owed to them. So they are obviously telling the CFPB XXXX thing and doing another.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 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 name XXXX XXXX and # 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 SEC
TION 2 : IT ALSO STATES a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: SoLo Funds Inc.
State: PA

Complaint narrative:
Ive used a XXXX  app to fund small loans to people who need them, in return for a tip paid back to me when the loan is repaid. All funds transfers have been done via debit card debits and credits. On XX/XX/2022, I received an e-mail from the app, SoLo Funds, telling me that someone had repaid a loan to me for,., where typically within those quotes would be the amounts repaid. It also said that non-amount would be available in my, Wallet as SoLo Cash.

I e-mailed the company asking about the non-amount in the e-mail, and stating that, As I dont have a SoLo Wallet, Im assuming you wouldnt have opened an account somewhere in my name. While waiting for the company to respond I rummaged through the app & found that the loan repayment had in fact been deposited into a, SoLo Wallet account that had been opened for me.

Since then all loan repayments have been deposited into this SoLo Wallet, which I then have to withdraw from in order to forward the funds back to me via debit card transactions.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
In XX/XX/XXXX I received medical attention at XXXX XXXX the total bill was for {$1000.00}. 

I made arrangements to begin paying the bill at the site : epay.parallon.com ( a Medicredit site ) with the first payment of {$170.00} being due on XX/XX/XXXX. 

They have continued to call and harass me about this debt weekly and even daily from multiple numbers stating that I am not paying the debt. I called the company on XX/XX/XXXX I called and explained in detail the payment arrangements that I had made on the debt. Again, on XX/XX/XXXX, I explained in detail the terms of the payment of this debt. I explained that my son had just died on the XXXX and that the debt was being paid and to LEAVE me alone during this difficult time and that any further contact would be considered malicious and cruel as the debt was being paid. They continued to call me on the XXXX, and XX/XX/XXXX, XXXX, XXXX from the primary number and from several other random numbers that showed up as Scam likely. But identified themselves as Medicredit. 

I received a threatening letter about the debt and an offer for a lower amount, when the final payment will be XX/XX/XXXX and the total debt in the amount of {$1000.00} will be paid. They deleted my online account to view where I set up the payments and refuse to allow me access to that account. I had used it to pay another medical bill this same year. 

I explained this to the people on multiple occasions even providing bank account reference numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: OH

Complaint narrative:
This company illegally repossessed my car with all of my possessions inside. 
They tried to get me to make cash payments via XXXX instead of through the verified website. 
They would constantly give incorrect information about my balance due. 
They have reported to my credit that I did not pay when I have bank statements that prove when I paid. 
I was paying on the car for XXXX XXXX and they would not send me the information to register my car. Therefore, I was paying on a car I could not drive. 
This company is doing illegal practices and needs to be highly regulated or closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have asked American Express to stop soliciting credit applications from me for XXXX years. American Express repeatedly solicits credit applications from me. I have put my information on opt-out with XXXX  XXXX, XXXX XXXX XXXX XXXX and XXXX with Amex  and XXXX CFPB. I have added all of my addresses multiple times, i have included all of my email addresses multiple times, and i have asked to have my businesses taken off of the american express solicitation list. American Express repeatedly answers these complaints with boiler plate language insinuating that i am upset because they will not approve me for their card. Although, i am only asking that i be removed from the mailing lists and have my addresses opted out of solicitations from the cards. i have spent several XXXX dollars repairing my credit and receiving advice on how to lower my interest payments, reduce my debt, and to better manage my monthly budget and my finances. Yet, American Express still continues to ignore my requests to be opted out and continues to send me solicitations. I have dozens of complaints about American Express in my CFPB dashboard and they continue to market to me. I wish to be removed from all mailings at all of my known mailing addresses including ; XXXX XXXX  XXXX XXXX, NY XXXX. XXXX XXXX   XXXX XXXX XXXX, NY XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express offered me a 20 % cash back and XXXX points on restaurant spendings during the first 12 months ( capped at {$250.00} total cash back ). They honored this offer for my small restaurant spendings, but did not honor it on my largest ones. Most recently in XX/XX/2022, they categorized two of my restaurant spendings in XXXX as " other purchases '', rather than as " restaurants ''. 

Upon my inquiry in late XX/XX/2022, Customer Support agreed with me that it was " odd '', but told me to wait a few days and contact them again if the cash back and the XXXX points did not appear. Upon my second inquiry in early XX/XX/2022, Customer Support told me that those restaurant spendings were categorized as " bar & cafe '', rather than restaurants, and so did not qualify for the cash back and the XXXX points. I found this to be arbitrary for two reasons. First, the places where I made the spendings were, to any reasonable person, restaurants, and not bars nor cafes. And the spendings were on meals. Second, I had received XXXX points and cash backs from places that are obviously cafes ( such as XXXX ). So they seem to make a distinction between restaurants and " bars & cafes '' quite arbitrarily, and there is no way customers like myself can determine beforehand whether Amex would categorize a place as a restaurant or a bar/cafe. 

This practice of arbitrary categorization gives Amex the power to exploit their customers, since there is no way for customers to know Amex 's categorization of a particular spending, nor to dispute Amex 's categorization later.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 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: NY

Complaint narrative:
I have been a vicitim of identify theft and the information keeps coming back verified when I sent them all the documentation. A furnished may not use information to verify anything. The information they received was the result of identity theft. I never opened a XXXX account. And it keeps coming back verified because someone used my information. I provided all the information that is needed her. An now on Equifax its showing that there was a payment made on XX/XX/22 when I never made a payment to this account. And on XXXX it shows that there is a missed payment on XX/XX/22. How is this information accurate? 


All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 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: FL

Complaint narrative:
( XXXX ) XXXX XXXX Credit Certified - No reporting Agency information Listed on my report- please remove, not associated with any current account, Mortgage Inquiry Should only show one in 14 days - please remove inquiry. XXXX XXXX XXXX - ( XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXX - XXXX reporting XXXX information Listed on my report- please remove, not associated with any current account. Mortgage XXXXnquiry Should only show one in 14 days- please remove inquiry. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Credit Certified - No reporting Agency information Listed on my report- please remove, not associated with any current account, Mortgage Inquiry Should only show one in 14 days - please remove inquiry. XXXX XXXX XXXX- - ( XXXX ) XX/XX/XXXX, XXXX - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days please remove inquiry. XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX - XXXX XXXXXXXX No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX XXXX  No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX- XXXX XXXX - XXXX reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. XXXX XXXX -- - ( XXXX ) XXXX XXXX, XXXX, Certified credit Mortgage No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX, XXXX, Equifax Mortgage - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. XXXX XXXX -- - ( XXXX ) XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX, XXXX, Certified credit Mortgage No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days please remove inquiry. MORTGAGE XXXX -- - Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 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: FL

Complaint narrative:
( XXXX ) XXXX XXXX Credit Certified - No reporting Agency information Listed on my report- please remove, not associated with any current account, Mortgage Inquiry Should only show one in 14 days - please remove inquiry. MORTGAGE XXXX -- - ( XXXX ) XX/XX/XXXX - XXXX  XXXX - XXXX reporting XXXX information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. MORTGAGE ////// -- - ( XXXX ) XX/XX/XXXX, Credit Certified - No reporting Agency information Listed on my report- please remove, not associated with any current account, Mortgage Inquiry Should only show one in 14 days - please remove inquiry. MORTGAGE XXXX -- - ( XXXX ) XX/XX/XXXX, XXXX - XXXX reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days please remove inquiry. MORTGAGE XXXX -- - ( XXXX ) XX/XX/XXXX - XXXX XXXX XXXX reporting XXXX XXXX XXXX on my report- please remove, not associated with any current account. Mortgage XXXX XXXX only show XXXX in 14 days- please remove inquiry. MORTGAGE ////// -- - ( XXXX ) XX/XX/XXXX - XXXX Mortgage - XX/XX/XXXX - XXXX Mortgage - No reporting XXXX XXXX Listed on my report- please remove, not associated with any current account. Mortgage XXXX XXXX only show XXXX in 14 days- please remove inquiry. MORTGAGE XXXX -- - ( XXXX ) XXXX XXXX- XXXX XXXX - XXXX reporting XXXX information Listed on my report- please remove, not associated with any current account. Mortgage XXXX XXXX only show XXXX in 14 days- please remove inquiry. MORTGAGE XXXX -- - ( XXXX ) XXXX XXXX, XXXX, Certified credit Mortgage XXXX reporting XXXX information Listed on my report- please remove, not associated with any current account. Mortgage XXXX XXXX only show XXXX in 14 days- please remove inquiry. MORTGAGE XXXX -- - ( XXXX ) XXXX XXXX, XXXX, XXXX Mortgage - XXXX reporting XXXX XXXX Listed on my report- please remove, not associated with any current account. Mortgage XXXX XXXX only show XXXX in 14 days- please remove inquiry. MORTAGE ////// -- - ( XXXX ) XXXX XXXX XXXX - XXXX  - XXXX XXXX, XXXX, Certified credit Mortgage No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage XXXX XXXX only show XXXX in 14 days please remove inquiry. MORTGAGE XXXX -- - 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 non-monetary relief