vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-08 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: NC

Complaint narrative:
i called Synchrony Bank XX/XX/2022 to close the account. I called today to confirm that the account was closed. The bank is still reporting that I have been paying late despite the fact that the account 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 explanation
Consumer complaint received 2022-10-08 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: IN

Complaint narrative:
This is my ANOTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 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 2022-10-08 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: IN

Complaint narrative:
This is my ANOTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX AV B XXXX, IL XXXX XXXX XXXX XXXX AV XXXX XXXX XXXX IL XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have inquires on my credit that I do not recognize and they need to be removed now. they are all included below and on my ftc report, that are from ( XXXX XXXXard services ), ( XXXX bank, ) ( XXXX XXXX XXXX ), ( XXXX 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 2022-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
This complaint is against Credit Collection Services, not sure if they go by other XXXX names. I spoke to Dept of Justice, Attorney Generals office agent XXXX XXXX the other day and new developments have been made in this case. This creditor has been collecting from XXXX ( XXXX XXXX ). I was out of the country and missed my mails. Upon return I saw this comcast account been in Collections. I immediately called XXXX and the XXXX XXXX XXXX helped me with this account, she told me upon full payment, all credit collection activity will be removed. So I paid this in full. However, couple weeks later till date, this account still appears on my credit report. 
I called Collections company today, spoke to agent named XXXX XXXX, I told him that XXXX XXXX has authorized this account to be removed and deleted, he laughed and said why would he do that. I also told him that I spoke to DOJ agent and I was informed another name this Collections company go by, he told me he does not care about DOJ or any letter received from DOJ or better business bureaus complaints. He abruptly hang up on me. 
The XXXX Companies are a corporate group offering Accounts Receivable Management ( ARM ) and Business Process Outsourcing ( XXXX ) services. CCS has received many consumer complaints alleging violations of the Fair Debt Collections Practices Act ( FDCPA ) such as failing to provide verification of a debt. If you have been contacted by CCS, make sure you know your rights before responding. 

I pray and request if your office can help me bring any Justice from this Collections company abuse and disrespectful behavior of their employees, such a disrespect and unethical way of conducting business, Todate there are numerous complaints filed against CCS with XXXX XXXX XXXX. I would like this Credit Collection to be removed from all XXXX credit bureaus, this is affecting tremondously financially and inability to get any loans. Here is the email from XXXX XXXX Office. Should your office need further info, pls kindly let me know. 

Respectfully 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 2022-10-08 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: MD

Complaint narrative:
To : Consumer Financial Protection Bureau, Equifax is continuously noncompliance of the Federal Law, and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: GA

Complaint narrative:
Opp loans have been adding an additional {$200.00} to my payoff balance every month. Just when I think I close to paying the loan off it gets bigger. I called and inquired about it and then asked them to fix it. 
I was told that the loan accrued {$200.00} every month and I told them it should not be so and to pay me my money back. Of course they refused because this company is now full of lying thieves committing highway robbery on customers which is against the law. 

They also lied about a deferment on my account with different reps giving me different information. I was told a payment was due for the month of XXXX and then I received an email saying I missed a payment. I asked them which is, they can't make up their minds and are XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 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: NC

Complaint narrative:
i called XXXX Bank XXXX/XXXX/2022 to close the account. I called today to confirm that the account was closed. The bank is still reporting that I have been paying late despite the fact that the account 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 explanation
Consumer complaint received 2022-10-08 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: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
I have been waiting since the middle of XXXX to resolve this issue with chase : they have not responded in spite of several secure messages confirming they will follow up in a few days. XXXX with chase executive services is pulling the same nonsense. I had an ear injury and can not hear, they have denied accommodating this XXXX. They continue to stall this CFPB inquiry by saying they are still researching and working on this. There is nothing to work on. They over charged me, they lied about when they would assist me, Ive been hit with more late fees and now my credit score is being impacted and I was recently denied a personal loan because it have a late payment on my card! It would not have been late if they didnt take more than what I approved. Instead they took unauthorized funds from my account and have refused to correct this in a timely manner. And thats before the outright discrimination Ive faced attempting to get help with my new XXXX!!! Look at the attachments, Ive made countless requests and they say the same thing we will contact you in a 2 business days they never do!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 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: IL

Complaint narrative:
I have inquires on my credit that I do not recognize and they need to be removed now. they are all included below and on my ftc report, that are from ( XXXX  card services ), ( XXXX bank, ) ( XXXX XXXX XXXX  ), ( XXXX XXXX ) XXXX XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 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: IL

Complaint narrative:
I have inquires on my credit that I do not recognize and they need to be removed now. they are all included below and on my ftc report, that are from ( XXXXXXXX XXXX XXXX  ), ( XXXXXXXX XXXX, ) ( XXXX XXXX XXXX  ), ( XXXX 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 2022-10-08 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: PA

Complaint narrative:
In accordance with the fair credit reporting act 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 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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 2022-10-08 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:
On XXXX I asked the credit bureaus ( XXXX, XXXX XXXX and  XXXX XXXX to verify the XXXX account XXXX The account came back as updated. After getting a response from the bureaus I sent a letter to XXXX on XXXX asking them to provide me documents validating this account belongs to me. They responded on XXXX stating they are unable to determine the nature of my dispute and requested I send in additional information. Then on XXXX XXXX they sent me a letter stating they do not honor requests to remove reported delinquencies when the information is accurate. On XXXX I sent another letter stating they failed to provide me with the requested documents validating this XXXX  account belongs to me. I then received a letter stating the account has been sold to another company. On XXXX I sent another letter explaining to them that I am requesting the original documents along with other documents they have because I never opened a XXXXXXXX account nor have I heard of this company. I explained to them that I don't have a credit card with their company therefore this company is reporting inaccurately along with the company in which they sold the account to which is LVNV Funding LLC/LVNV Funding. 

LVNV was deleted from XXXX however the account is currently showing on XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Business and Consumer Solutions.
State: MD

Complaint narrative:
WHOMEVER THIS CONCERNS : I HAVE ALREADY CONTACTED YOU THE FIRST TIME AND LET YOU KNOW THAT ( XXXX XXXX ) ( ACCOUNT # : XXXX ) ( FBCS FILE # XXXX ) ( WAS AN ITEM ON MY CONSUMER CREDIT REPORT WHICH IS NO LONGER REPORTING DUE TO FRAUD AND IDENTITY THEFT, BUT RIGHT AFTER I TALKED TO YOU SAID YOU WILL NOT PURSUEXXXX  ME ANYMORE CONCERNING THIS FRAUD ITEM..IN THE NEW LETTER YOU STATE TO FILE A POLICE REPORT AND FTC REPORT WHICH I HAVE ALREADY COMPLETED MONTHS AGO! !. I WILL ATTACH THESE ITEMS FOR YOU AND AFTER I SEND YOU THESE ITEMS PLEASE DO NOT CONTACT ME ANYMORE OR ATTEMPT TO TRY TO PUT THIS FRAUD ON MY CONSUMER CREDIT REPORT, IF YOU ATTEMPT TO PURSUE AND DO THIS!, NOT ONLY WILL IT BE REMOVED FROM MY CREDIT REPORT, I WILL ALSO SUE YOUR COMPANY. I REPEAT THIS IS YOUR LAST AND FINAL TIME HARASSING ME. 
THIS PRACTICE IS ILLEGAL ACCORDING TO THE FCRA! 

THANKYOU AND HAVE A NICE DAY SINCERELY XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 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 # XXXX, has violated my rights. 

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

15 USC 1681 Secation 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

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 2022-10-08 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: SC

Complaint narrative:
XXXX XXXXXXXX XXXX They sent my information to National Credit Systems XXXX. 

I turned my move out notice in in XXXXXXXX XXXX XXXX, with a move out date of end of XX/XX/XXXX They sent me a letter 60 days after I moved told me I owed them for XXXX XXXX-I did not live there in XXXX of XXXX. 

Never had a walk through when moving out-This complex did not have ANYONE EMPLOYED AT THE TIME... 

I emailed them at the end of XX/XX/XXXX, was promised a follow up by XX/XX/XXXX they never followed up, I have tried contacting them to get this out of collections.. I want to file a complaint against the collections and the complex Below is a copy of the email sent... 



I received a notice at my new address of money owed. I owe you nothing. 



I have attempted to come there multiple occasions to return the keys and no one is ever on the property. I have made multiple attempts to reach someone and resolve this matter when I moved out and do not agree with the notice that I received. I also called the civil court house for advice on how to settle with your apartment complex as there is not support on the property. That is bad when things are not fixed and you have to call civil court and they are aware of problems on this property. That is not good. 



I do not owe XXXX XXXX any money. You all never fixed anything, the property is not well maintained or well kept and multiple tenants are complaining and you have the nerve to send me a notice states that I owe you. 



I need to detailed list of WHAT damages as some things are normal wear and tear, I have been there since XXXX REALLY!!!! 



I need you to locate my move in information and make sure you are NOT billing me for damages documented when I moved in. 



I turned in my intent to vacant letter, closed on XX/XX/XXXX and moved out over that weekend-Show proof that I lived there in XX/XX/XXXX. 



Document my multiple attempts to reach someone to turn the keys in-I work the same hours you all do and you dont follow up. 



Carpet cleaning-that carpet has been in that XXXX XXXX XXXX did you replace it? Why are you charging for cleaning. 



Lastly, I paid someone to come in and clean.. I closed on Friday and moved on Saturday the XX/XX/XXXX I was out of there XXXX XX/XX/XXXX ( I have receipts for moving to show proof but how would you know you are never on the property ). You cant just make up a date that I left. Please show proof. 


Some things I agree with like the stove-I did not damage that apartment. 

Please contact me as soon as possible to resolve this matter so that I will know how to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 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: PA

Complaint narrative:
In accordance with the fair credit reporting act 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 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 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: PA

Complaint narrative:
In accordance with the fair credit reporting act 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 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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 2022-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
This is the continuation of complaint XXXX, as American Express told that CFPB they are going to correct the mistake, fraud and issue me {$200.00} credit, not only I did not see the credit, but also, they USPS mailed me another letter dated XX/XX/XXXX from American Express fraud department XXXX I just received it today ; saying that They are not able to find the fraud charge and American Express wants to lie and play game with customer all over again. Please see the attached letter I just received. American Express lied to CFPB. American Express is fraud financial company itself. Please resolve the strange response I received today after they told CFPB they have fraud charge, they credited {$200.00} in my account?!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-08 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$360.00} XXXX XXXX  XXXX Balance : {$460.00} XXXX FIN XXXX Balance : {$5000.00}

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 non-monetary relief
Consumer complaint received 2022-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/XXXX a unauthorized transaction of XXXX was made to my account I called my bank and filed a claim and was told funds would be credited to my account in 1-3 business days its been 7 days instead of giving me credit to a 5 year customer and as they said over the phone they refuse to give me the credit until the case is closed I do not think it is fair for me to wait for a transaction I didnt authorize when I have been loyal for so long

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