vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-19 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: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I ordered XXXX XXXX XXXX XXXX XXXX from XXXX  and they sent out the package with XXXX. My shipping address is XXXX XXXX XXXX XXXX, XXXX, Washington. The tracking number is XXXX. On XX/XX/XXXX, the package is marked as delivered to XXXX, Washington. I contacted XXXX and they said they will start an investigation with UPS. On XX/XX/XXXX, XXXX said that they contacted the shipping carrier. XXXX said the shipping carrier said the package is delivered to my XXXX address successfully. However, UPS told me and also my renter 's insurance company that they located the package on XXXX where it was then held at a holding facility for 5 days and sent back to the merchant, XXXX. XXXX lied about the ups investigation result and refuse to refund. 

I uploaded all the information including UPS 's response, the investigation from my insurance company, etc to credit card company and they still insist in the favor of the merchant.

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 2022-11-19 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: CITIBANK, N.A.
State: IN

Complaint narrative:
I just looked on my credit report and saw I have XXXX new accounts open on my report for credit cards on XX/XX/XXXX. I just paid off all my credit cards except 1, so why would I try for more, plus I don't work anymore to support payments for them so why would I try to get them. I already talked to the one that isn't XXXX  XXXX XXXX because I got a paper in the mail wanting more info about it and told them it is fraud. So I would like these looked into, and closed and taken off 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 non-monetary relief
Consumer complaint received 2022-11-19 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: FL

Complaint narrative:
On XX/XX/2022, hard inquiries on my XXXX  and Equifax cred report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX shows balance of XXXX since XX/XX/2022 Ive never owed them that amount. Also a dc address shows on my report and Ive never lived in dc Ive tried multiple times to get resolved and still shows

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 2022-11-19 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: GA

Complaint narrative:
CHASE BANK. My wife and I placed money down on XXXX in XXXX for XXXX vacation. When it was decided that we could not go, XXXX promptly refunded our money on XX/XX/XXXX as set forth in the terms. The problem was that I had unfortunately, on XX/XX/XXXX, closed the credit card account used to make the deposit. The monies, {$690.00}, however, were sent to that closed account. The bank is Chase Bank. I have the account number, payment code, and trace number if needed. I have since called Chase Bank on several occasions and written XXXX letters to their Card Member Services address. I am stonewalled at every turn as their help line, XXXX, is a maze of reconnections leading nowhere and each time I write, I receive a letter that says, " We are not able to fulfill your request ''. The reason we cancelled the vacation is that my wife and I need those funds for medical expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX there is no XXXX party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I have returned an item back to XXXX back in XXXX but then XXXX charged my capital one credit card again for XXXX dollars on XX/XX/2022 so I disputed the charge with capital one but then capital one charged my credit card again for XXXX dollars claiming that XXXX gave me a credit for that dispute which is WRONG. I did NOT receive a credit for XXXX dollars from XXXX for this dispute. The credit that XXXX gave me was for a different item from a different order which I also returned back to XXXX so that credit of XXXX dollars from XXXX is for a different item returned back and has nothing to do with this dispute so capital one needs to reverse the charge of XXXX dollars that they charged me on XX/XX/2022 My dispute for the XXXX dollars should still stay open and I should still get this dispute resolved to my favor because the item was returned back to XXXX as shown in the tracking number that I am attaching to this complaint and I will also attach the other item that XXXX gave a refund of XXXX dollars which is completely different item and order and has nothing to do with this dispute Capital one should have never charged me back for this dispute because I did not get any credits from XXXX for this dispute Capital one dispute case number XXXX The dispute for XXXX is for a XXXX XXXX Shoes And the credit given by XXXX is for a different returned item which is a XXXX XXXX  so these are completely different orders and returns and have nothing to do with each other

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Iam a victim of identity theft. Someone opened a fraudulent account in my name. I need help removing it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2022, hard inquiries on my transunion and XXXX cred 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 2022-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the pysical verification of the original signed consumer contract -any and all accounts you post on a 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 2022-11-19 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: NH

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX 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 install

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 2022-11-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
XXXX has charged my amazon store card for XXXX dollars on XX/XX/2022 and that is a double charge or a duplicate charge for an item that I was already charged for and I returned it back. The charge of XXXX dollars from XXXX to my credit card on XX/XX/2022 is a duplicate charge and is wrong and an overcharge and duplicate charge. I was already charged for this item on XX/XX/2022 so XXXX should NOT charge me again on XX/XX/2022. I am requesting from Synchrony bank to refund me for the charge made by XXXX to my XXXX store card for XXXX dollars on XX/XX/2022 and refund me that money

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 2022-11-19 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: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-19 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: WV

Complaint narrative:
Equifax responded to my complaint XXXX XXXX XXXX XXXX ... .. Stating that they have completed its investigation... Which is clearly a lie, Because on XX/XX/XXXX I received the letter from Equifax stating in order to verify by identity I will need to send them the following information such as a copy of my driver license and a copy of my current address ..... So explain to me how did you do a proper investigation when you can't even verify my identity from the love that you addressed so my complaint that is being filed as of today is to inform you you need to stop telling your lies and provide me with my money for my compensation... I also want to address to you that every information you respond will be used against you as evidence to prove to the course how much you are lying and stopping a XXXX man from utilizing his credit which is now putting him in discrimination which is also violating my rights under 15 USC because you can not do a proper investigation if you can not verify someone's identity stop making up your lies and if someone from the CFPB.. don't step in and can see that they telling lies for the actions will be taken against them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Healthcare Receivables Group, Inc.
State: KS

Complaint narrative:
My identity was stolen. I tried to dispute the account. They then made new accounts with the same account numbers and claimed they sent it to an attorney to sue me for dept that WAS NEVER EVEN MINE. I am very angry about the situation and it never seems to get resolved. It needs to be taken off my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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:
EXPERIAN REPORT # XXXX INVESTIGATION ID XXXX RECIEVED FRIVILOUS RESPONSE AND A LYE STATING XXXX XXXX IS STAYING AND VERIFIED ACCOUNT OWNERSHIP I PREVIOUSLY SENT REGISTERED LETTER WITH DETAILED INFORMATION AND A COURT DOCUMENT WITH ANOTHER DOCUMENT SHOWING ADDRESS OF XXXX TO BE WRONG AND NO WAY TO CONTACT THEM DIRECTLY A D PROOF I HAVE EHUASTED ALL WAYS TO FURTHER DISPUTE DIRECTLY I HAVE NO RECORD OF SUCH ACCOUNT EXISTING AND RIGHT NOW HAVE A ARBITRATION SET UP WITH FAIRSHAKE TO GET COMPASSTION FOR DAMAGING MY CREDIT I ALSO SEEMING ATTORNEY TO FURTHER MORE HOLD EXPERIAN LIABLE FOR ALLOWING INFORMATION TO STAY ON RECORD AFTER I PROVIDED INFORMATION CONSTITUTING IMEDIATE.REMOVAL AS EXPERIAN WILL NOT PROVIDE ME WITH INFORMATION ON HOW THEY VERIFIED A ACCOUNT NOT MINE

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 2022-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Sent letters XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX requesting correct name and current address be reported. I have requested old addresses and incorrect names be removed. As of XX/XX/XXXX they have still not removed them. Also there are some accounts that are not being reported accurately. There are several discrepancies in dates and amount and open dates. I had student loans that were taken care of when I was deemed permenantly XXXX and they were cleared of any amounts owed. They are still showing up as negatives and hurting 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 non-monetary relief
Consumer complaint received 2022-11-19 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-19 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-19 00:00:00
Product: Credit card or prepaid card — Student prepaid card
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hello Citi World - Wide, I am suffering from Bereavement from the Homicide of my mother and I was diagnosed with XXXX after being a victim of ongoing hate crimes created by XXXX, XXXX and Department of Education Scams which misinformed my XXXX XXXX XXXX and United States XXXX XXXX XXXX at the Time, I would like to know what remedies as far as XXXX Discharge you may offer in times of hardship such as I experienced upon having to live on my own after 2 years at Private University and being under paid by my bosses by atleast XXXX or XXXX thousand dollars a year, also I will advise you I have had to represent suing multiple of your companies for Felony Charges after I was XXXX by a XXXX XXXX  and Members of XXXX  making any sort of agreement to be impossible between us, I need to know if the credit amount has been discharged or if it has been sent to another company to handle.

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 2022-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
This complaint was closed in 2018. TD Bank keeps reporting this to the credit file. This is incorrect information at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: KS

Complaint narrative:
My identity was stolen. I disputed the accounts multiple times. There are repeated accounts on my credit where they have added it multiple times to the same account. Said they hired an attorney to take care of the debt that was never even mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I just received my reinvestigation back from Experian. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ).

Because the account below is not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 

Account name : XXXX XXXX XXXX  Account number : XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( I ).

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 2022-11-19 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: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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