vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-22 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: AR

Complaint narrative:
I purchased a living room set from XXXX XXXX in XXXX, Arkansas. I chose to use Synchrony Bank for the no interest. My dispute is that the furniture I purchased was not the furniture that was delivered to me 3 days later @ XXXX XXXX in pouring rain. I noticed immediately that the furniture delivered was a much cheaper set and not the set I agreed to buy. I called the very next morning and was told to try it and call back Monday. The furniture is so bad that you can't even set in it due to a board hitting your back. I was immediately told they don't take returns. XXXX submitted numerous documents multiple times and all Synchrony Bank customer service continues to say is that its a quality issue. For one reason or another they can't get it through their head that I was delivered a much cheaper, lower quality of furniture and NOT the furniture I agreed to pay for. XXXX XXXX have forged my signature on the delivery paper saying I inspected it. The 3rd party delivery wasn't in my house long enough for me to sign anything. I have attached documents that were notarized by my attorney on the forging of my name and from 2 other parties and still Synchrony says its a quality issue and work with XXXX XXXX which I did and received the rudest conversation with. All XXXX XXXX has to do is submit the forged delivery slip and the copy of my application. I even agreed to upgrade and pay the difference but XXXX XXXX wouldn't even consider it. Hopefully I will be able to attach my documents that I sent to Synchrony. All I want is the original furniture I agreed to pay for instead of waiting 3 days to get a cheap set that I wouldn't pay XXXX for.

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 2022-09-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: MN

Complaint narrative:
My Chime Credit Card had been taken and used and make purchases that I did not make on my credit card, they ere unauthorized transactions I reported it to the Chime member services hen it happen and they are refusing to refund and pay back the money that I didn't use on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, Dept of Ed/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States that 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 2022-09-22 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Dept of EdXXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States that 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 2022-09-22 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 XXXX. Account # XXXX XXXX XXXX XXXX XXXX. Account # XXXX XXXX XXXX XXXX XXXX. Account # XXXXXXXX XXXX XXXX. Account # 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 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 2022-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: WV

Complaint narrative:
I noticed a collection on my credit report on XX/XX/22 that wasn't supposed to be there. That day, I filed a dispute with XXXX. I was notified that the " debt belongs to '' me on XX/XX/22. Despite my efforts, I haven't been able to reach anyone at the collection agency, MRS BPO, until XX/XX/22. MRS BPO informed me that the original debtor, XXXX XXXX XXXX XXXX ( XXXX  ), would handle the dispute. XXXX advised me to file a police report and file a report on the Federal Trade Commission website about the issue. It was opened on XX/XX/22 and is due {$540.00}. The address involved with the account is XXXX XXXX XXXX XXXX XXXX, XXXX TX, XXXX. XXXX is the phone number associated with the account. The account number is XXXX.

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 non-monetary relief
Consumer complaint received 2022-09-22 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: IL

Complaint narrative:
Mine is simple. I pay my card in full each month. This month, I owed under {$30.00} and it dropped my credit score. Monthly, when I pay the bill, I add in what I charged AFTER the bill and I also try to anticipate what I need to cover charges BEFORE the next bill. So why, if the card gives me a 30 day grace to pay the bill, bureaus can drop your score for the same issue, having a balance that is not yet interest bearing? If I carry a credit, the bank will refund me after X days. I wouldn't have to if I could pay what I owe and not have to fear messing up my score which is a quite good one because I have a balance due. Can't this be fixed? You're punishing good borrowers. It's bad enough that XXXX let a foreign goverment steal my data. It would be nice if your agency could close this loop.

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 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
15 USC 1681 ( a ) ( 4 ) THERE IS A NEED TO INSURE THAT A CONSUMER REPORTING AGENCIES EXERCISE THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS, IMPARTIALITY, AND RESPECT FOR THE CONSUMER 'S RIGHTS TO PRIVACY. I DEMAND A DELETION OF ALL PERSONAL IDENTIFIABLE INFORMATION FROM MY CREDIT REPORT WITH THE EXCEPTION OF : 1. MY FULL NAME : XXXX XXXX XXXX, 2. MY ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, TEXAS XXXX. PLEASE DELETE ALL OTHER ADDRESSES AND NAMES, I CAN NOT RECEIVE MAIL OR ANY CORRESPONDENCE NOR DID I EVER LIVED AT ANY OF THOSE ADDRESSES, OR USED ANY OTHER NAME EXCEPT MY OWN : XXXX XXXX XXXX. ALSO DELETE ANY OTHER PHONE NUMBER BESIDES ( XXXX ) XXXX FROM MY CREDIT REPORT. I DEMAND MY SOCIAL SECURITY NUMBER AND DATE OF BIRTH BE REMOVED FROM BEING DISPLAYED ON THE CREDIT FILE FOR PRIVACY REASONS. PURSUANT TO THE FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I AM A FEDERALLY PROTECTED CONSUMER AND HAVE A RIGHT TO PRIVACY. NOT GRANTING ME MY RIGHTS IS AN INDIRECT VIOLATION OF 15 USC 1681 AND ALL ITS SUBSECTIONS. PLEASE SEND AN UPDATED CREDIT REPORT ONCE THE CHANGES ARE COMPLETED TO MY CORRECTED ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, TEXAS XXXX. 
I ENCLOSED A COPY OF MY STATE ID AND SOCIAL SECURITY CARD AS PROOF OF MY ADDRESS AND IDENTITY

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 2022-09-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC
State: NC

Complaint narrative:
Goodleap is the loan company for XXXX XXXX ( formerly XXXX XXXX ) - the solar product is faulty and doesnt function as advertised. Goodleap promotes the company in their advertisements and service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: AL

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 explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Chime Financial Inc
State: TN

Complaint narrative:
ON XX/XX/22 I filed a dispute against a XXXX charge of {$170.00}. Chime provided me with a Provisional Credit, until the dispute was finalized. Never once was it said to be a temporary credit or any of that! So today they debit my account of $ XXXX for the {$170.00} that they provided credit. Now they dont want to release my savings funds

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: OneMain Finance Corporation
State: PA

Complaint narrative:
I, XXXX XXXX do not recognize this company and I did not provide personal info such as address or my social security number

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XX/XX/XXXX XXXX. I revecied my credit report from experian credit XXXX. I called them as I got my report today .. Mt report number # XXXX. Dated XX/XX/22. With alot errors on system. That failed to updates properly. The woman I spoke today at XXXX today she advised me it's is very common that these mistake happen on yout account often and it hard to fix them, the leadership XXXX XXXX XXXX experian failed to do his job ethical correct, I was advised that is experina job and duties to send customer wrong information on there credit report debliarity as a stall statistics. I ask them why does a address that doesn't belong is on my credit and there response was we have internal error on the sever. And its hard to fix. It's been over 120 days since I been asking for help and experian. 


Wrong address is XXXX XXXX XXXX XXXX MD XXXX. 

Wrong names. As well XXXX XXXX name I'd # XXXX .. these mistakes are happening to common .. putting other people data on my credit profile on purpose.. 

I also ask for help fixing my credit freeze and there system been down for a long time they told they can't fix it at all since there system been broken for 120 days and it my fault .. since experian website and system are failing..

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 2022-09-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/2022 Santander Bank in XXXX, NJ closed 2 of my business accounts and my personal account without giving any reason. When inquiring about the issue they just said that they are not required to give a reason for this. 
Coincidentally 1 month prior I had been complaining about some charges that the bank took out of my account monthly for 2 years. They reimbursed some of that money and then 1 month later I happen to get the notice. I have been doing business with this bank for almost 15 yrs without any issue. 
Also my XXXX  account that I do business with stopped working at the same time.

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 2022-09-22 00:00:00
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
I noticed on a statement for my Barclay 's Old Navy card that there was a charge that I didn't authorize or make. 

On XX/XX/2022 I called Barclay 's Old Navy to report a fraud charge because upon checking my credit report I found a charge on the credit card I did not make. I filed the report and was assured it would be taken care of in a timely manner. 

I continued to received phone calls and emails for me to pay the amount, so I called the fraud department with Barclay 's Old Navy and spoke to XXXX on XX/XX/2022. She assured me it would be taken care of, the late charges removed and it wouldn't be reported on my credit report. 

On XX/XX/2022 upon checking my credit report, it was indeed on there and took my score down significantly. So, I opened a dispute. 

On XX/XX/2022 I received a response from Barclay 's Old Navy stating they believe their information is being reported correctly and they would note my dispute to the credit union. 

I paid the account in full this week because I can't continue to allow my credit to be destroyed. My career depends on my good credit. So, on XX/XX/2022 I paid {$150.00} on a charge that I did not make in order to keep my credit good because Barley 's Old Navy has incorrect records.

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 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma, LLC
State: MN

Complaint narrative:
I recently had received this on my credit karma app. To apply for a credit card through XXXX  XXXX and says my approval is good. I now have a hard inquiry on my credit score. This happened on XX/XX/2022. I have all the documents to provide for these issues that I have been dealing with. It's misleading and now I have to suffer decrease in my credit score from this being denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: AL

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 2022-09-22 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: AL

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 2022-09-22 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: GA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXXr Account # XXXX, XXXXXXXX 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 2022-09-22 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XX/XX/XXXX XXXX. I revecied my credit report from XXXX XXXX XXXX I called them as I got my report today .. Mt report number # XXXX. Dated XX/XX/22. With alot errors on system. That failed to updates properly. The woman I spoke today at XXXX today she advised me it's is very common that these mistake happen on yout account often and it hard to fix them, the leadership Manger XXXX XXXX XXXX failed to do his job ethical correct, I was advised that is XXXX  job and duties to send customer wrong information on there credit report debliarity as a stall statistics. I ask them why does a address that doesn't belong is on my credit and there response was we have internal error on the sever. And its hard to fix. It's been over 120 days since I been asking for help and XXXX 


Wrong address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX 

Wrong names. As well XXXX XXXX name I'd # XXXX .. these mistakes are happening to common .. putting other people data on my credit profile on purpose.. 

I also ask for help fixing my credit freeze and there system been down for a long time they told they can't fix it at all since there system been broken for 120 days and it my fault .. since XXXX website and system are failing..

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 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XX/XX/XXXX XXXX. I revecied my credit report from experian credit XXXX. I called them as I got my report today .. Mt report number # XXXX. Dated XX/XX/22. With alot errors on system. That failed to updates properly. The woman I spoke today at XXXX today she advised me it's is very common that these mistake happen on yout account often and it hard to fix them, the leadership Manger XXXX XXXX XXXX failed to do his job ethical correct, I was advised that is experina job and duties to send customer wrong information on there credit report debliarity as a stall statistics. I ask them why does a address that doesn't belong is on my credit and there response was we have internal error on the sever. And its hard to fix. It's been over 120 days since I been asking for help and experian. 


Wrong address is XXXX XXXX XXXX XXXX MD XXXX. 

Wrong names. As well XXXX XXXX name I'd # XXXX .. these mistakes are happening to common .. putting other people data on my credit profile on purpose.. 

I also ask for help fixing my credit freeze and there system been down for a long time they told they can't fix it at all since there system been broken for 120 days and it my fault .. since experian website and system are failing..

Company response to consumer: Closed with explanation