vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-05 00:00:00
Product: Credit 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: NC

Complaint narrative:
I made a purchase at XXXX XXXX using a store credit card offered by Synchrony Bank. On XX/XX/XXXX, the mattress was delivered defective. 

I tried to work with the merchant several times to resolve the quality concern. I visited the store on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX. I called XXXX XXXX on XX/XX/XXXX and XXXX. I was not able to resolve the dispute with the merchant on any of these occasions. 

The merchant kept telling me things like " break it in '', and tried to push for an exchange at an additional cost. I contacted the manufacturer on XXXX who confirmed it was defective. The merchant still refused to resolve the dispute. 

I contacted Synchrony Bank to tell them what happened on XXXX. They opened a dispute, and I provided additional information on XX/XX/XXXX to help their investigation. They closed the dispute in the merchant 's favor, saying they were told the merchant is working with me to resolve the dispute. This is not true. 

I followed up with Synchrony Bank on XX/XX/XXXX, requesting the dispute re-opened. Synchrony Bank closed the dispute again, resending the exact same information from the merchant. Synchrony Bank then made an entry in my credit report saying Dispute Resolved - Consumer Disagrees. 

In short, I have tried several times to resolve the dispute with the merchant, to no avail. Synchrony Bank did not investigate my claims in their review of the dispute, and sided with the merchant, who even acknowledged in their response that the mattress is defective. Synchrony Bank also continued to send me bills while the dispute was open.

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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See attached. I challenged this through my Congressman and XXXX has admitted the error. I need you to redact the XXXX collections from my account ASAP.

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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See attached. I challenged this through my Congressman and XXXX has admitted the error. I need you to redact the XXXX collections from my account ASAP.

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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Jon Barry and Associates, Inc.
State: SC

Complaint narrative:
ACCOUNT # XXXX These debts youre trying to collect Im not down with any of it and the amounts youre saying I owe are off. Dont bother sending me any proof Im not interested. I know whats up and proof wont change a thing. If you need to contact me, do it by email only between XXXXXXXX XXXX XXXX XXXX XXXX EST. No mail whether its USPS, XXXX, XXXX or any courier and dont call me or voicemail either. Its just not convenient. ACCOUNT # XXXX and anything else you have under my name. Just keeping it real.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: TX

Complaint narrative:
I purchased a XXXX gift card from the Blackhawk Network for use in online casinos. I attempted to use the card at one of the supported online casinos, XXXX and the card did not work. I opened a support ticket with XXXX and they were non helpful and did not resolve my issue. I am still unable to access my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Kohl 's / CapitalOne - Potential Usury.

I am submitting this complaint on behalf of consumers who may carry a balance on their Kohl 's cards. 

-- -I opened an " un-dated '' letter today ( XX/XX/2025 ) regarding an upcoming Revised Terms to my interest rate, and interest calculation. 
-- -The only recourse provided is to call and close the account, which obviously implies having to pay it off in full. 
-- -Interest charges changed to **DAILY** periodic rates from monthly periodic rates. 
Daily interest charges would continue to be charged if you carry any balance at all ( which is normal ). 
-- -New rate : 30.74 % ( Variable ) -- -Fortunately, I have no balance on this card, nor will I use it. I will not be harmed by this.

-- -However, for the average person, this could cause some serious harm to those who can not afford to pay off their retail credit card in full before the end of XXXX.

-- -The notice clearly states that any amount carried forward in a month would be subject to the daily interest charge. 
-- -This, combined with the ONLY form of recourse being to call and close the account, implies a " Pay in Full and Close Account '' or " Pay in Full to Avoid the Change '' option. -- -- -There is no way to not Pay in Full and still avoid this change. 

It is normal for credit cards to charge interest. However, the change from monthly interest, to daily interest, when this a variable rate debt, will probably lead to a lot of people simply getting stuck. There needs to be an option provided to consumers which *does not* require paying in full by the end of XXXX. I also question the timing of this letter ; It is just after the holidays, when balances would be highest for most people. Had they known earlier last month, they may not have charged as much to their cards. Frankly, I find this predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: GA

Complaint narrative:
I am not liable for this debt of {$220.00} with HARRIS & HARRIS , LTD Account numberXX/XX/XXXX I do not have a contract with HARRIS & HARRIS , LTD, they did not provide me with a purchase agreement to show full ownership of such account and also other documents so I may review to see if this actually an account that belongs to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
My name is XXXX XXXX and I am overwhelmed with frustration with Citibank n.a. as I opened up an account with the bank and they have since denied me access to my money from SBA that was deposited in the account XXXX direct deposit and now they have blocked my access to my funds sighting that access is denied upon verification of my identity to the fraud department. I have tried effortlessly to get them to unlock my account expressing every possible way to verify my identity through any other alternatives including the reference number they claim to have sent to the address on file under my account I have yet to receive anything. They are in violation of federal laws and I have tried to do whatever it takes to get my identity verified so they will unlock my account. I'm going tomorrow to see an attorney and filing a class action against them as well. This is unjustly denying me access to my money and my kids and I are fixing to be in the street because they are keeping me from my funds I request that this issue be addressed immediately I have sinced filed a complaint with XXXX  FDIC and now cfpbs. Thank you kindly for you consideration in this matter

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 2025-01-05 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Clark County Collection Service
State: NV

Complaint narrative:
Company contacted me several occasions in XX/XX/year>, two months after they placed this collection on my credit as well as needed my address in order to send me a copy of original binding contract I requested. I asked them to remove it cause it didnt meet the requirements of FCRA 15 USC 1681 and collection company updated remarks Account information disputed by consumer, meets FCRA requirements. Clark county collection representatives harassed me by telephone company is reporting inaccurate data since XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I made a {$2100.00} payment from the wrong bank account so the payment was returned. This was my mistake but capital one didnt give me the chance to even correct my mistake they closed all my credit cards that I have with them. All which were in good standing. I have the money to pay the balance owed and they wouldnt let me correct the payment and reopen or even appeal my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
after reviewing my credit report i notion that XXXX XXXX XXXX has been deleted off my credit report with XXXX but it is still showin on my transunion and XX/XX/XXXX The buearu has failed to update my report with the accurate information.

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 2025-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I deposited {$6000.00}, and intend to bank with Citi for the foreseeable future. I was given a {$450.00} bonus and wanted to withdraw it to pay off my bills and to balance my bank account and transfer some of it to another bank account, but they locked my account. I then proceed to call the, and they say it is locked due to fraud cincerns and this lady wont take any questions or concerns and proceeds to hang up on me like they took my momey or something, I have no access to the online portal and have been locked out of everything, and I am really concerned about my cash.

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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
According to the IRS an unpaid charge off is an income and according to the FCRA income can not be reported on a credit report I received a 1099 c for the following account XXXX XXXX account XXXX XXXX XXXX account XXXX and XXXX XXXX account XXXX after checking my most recent report the unpaid information stated this account was still being reported.This account can not be reported as a charge off on my credit report.please cease the reporting and delete this account.

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 2025-01-05 00:00:00
Product: Credit reporting 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: NC

Complaint narrative:
I filed a dispute with Experian in reference to late payments on my account and violating my rights per the FCRA. In my dispute I cited the following laws : Section 605b-It is illegal to report information on my credit report without my permission 15 USC 1666 ( a ) -A creditor may not a payment on a credit card account under an open end consumer cred it plan as late for any purpose. I informed this this was inaccurate and incorrect to be on my credit report. Experian completed their investigation and informed me that " The incorrect account with XXXX XXXX has NOT been changed and will remain on my credit report '' is what was written The same was stated with XXXX XXXX. In their response they admitted to violating my rights by stating the " incorrect account '' which means it is in accurate The accounts that was in dispute are : XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
XXXX Subject : Disputing Information in Credit Report I am writing to dispute the following information in my file. 
This item from XXXX XXXX Card ( revolving account ) is inaccurate [ and incomplete ] because, XXXX XXXX stated the account condition is Charged Off but on my credit report it still shows a balance past due {$5900.00} amount, like the account is still actually open. If the account has been charged off ( is what the letter they sent me stated ) shouldnt my credit report show a {$.00} balance? I am requesting that this item be reflected in the charge off letter XXXX XXXX XXXX stated. 
Enclosed is documentation supporting my request : Letter sent from XXXX XXXX XXXX is attached to this letter. 
Please investigate this matter and delete [ or correct ] the disputed item [ s ] as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
I received XXXX letters from G.L.A.Collection Company, Incorporated. XXXX XXXX XXXX, XXXX KY XXXX. Dated XX/XX/year> and it shows me XXXX hospital bills that my insurance which is XXXX XXXX XXXX had already paid and is liable for. This bill needs to be sent to my health insurance for it to be paid in full because it is not my obligation to pay it because as I stated before, my Healthcare pays for everything and every service that is and was provided to me and my offspring. Therefore, this debt isn't mine and if want to be paid they need to send the bill to my Healthcare insurance provider XXXX XXXX Healthcare.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
While checking my most recent credit report, I noticed a bunch of collections that I am unfamiliar with. There have been numerous data breaches that I have been apart of. Thank God some of these collections are not attached to open accounts. Per ( FCRA ) As a federally protected consumer who rights are being violated Privacy Act of 1974 I am demanding that credit reporting agencies immediately abide the 15 U.S Code 1692c- Communication in Connection with Debt Collection with my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
To whom it may concern. CHRYSLER CAPITAL are practicing inaccurate and unfair practices by reporting a charge-off on the credit report. I've in the past filed CFPB complaint for it to be removed due to CHRYSLER CAPITAL not sending me the 1099c. I need the account ending in XXXX for {$780.00} removed upon receipt with the 1099c sent out via the address on file. I will seek out to the FTC if for some reason this matter is not taking seriously. Please send 1099c for tax purposes for the charge-off reporting on my Consumer report. 
Thank you! 
Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditor fails to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

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