vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
We closed our Synchrony Bank JCPenney credit card back in 2020- XX/XX/2020 according to my XXXX XXXX account. We suddenly got an email, and then a statement in the mail, announcing they were reviewing our account and found they owed us XXXX cents and will issue a refund with our next billing statement. We closed our account with them because of previous awful customer service and run around. Contacting us nearly three years later because they have kept the account active, or are reviewing a closed account, seems like a flimsy excuse to either keep it open or re-open it. My name on the account was XXXX XXXX, and my husband was also on the account, XXXX XXXX. I spent six months bouncing between JCPenney and Synchrony Bank getting them to honor the advertised conditions under which we had bought appliances through them, and the largest reason we closed the account after we paid it off. I have not contacted them because I don't want that contact to constitute some sort of agreement on my part to re-open the account, and I don't wish to waste more time getting the run around from them. We are so opposed to doing further business with this company, we took out a loan on my car to finance buying a garden shed rather than open another line of credit with Synchrony Bank, who did the lending for the shed company. When I tried calling their system it kept asking for the card number, but we destroyed the card when we closed the 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 2023-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation
State: FL

Complaint narrative:
XX/XX/2022 I contacted the hospital to verify the debt in which I was made aware that it went into collections which is a violation of HIPAA. Which was created t protect private and sensitive health information from being disclosed without my consent or knowledge. I did not agree to have this sent to a collection agency where they were able to gather my private information such as a home address, social security number, phone number, medical finance information, and so forth. This is a direct violation of HIPAA via " HR-2537 Consumer Protection for Medical Debt Collections Act ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 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: LA

Complaint narrative:
See attached!! The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, last verified inaccurate and date last reported is not accurate. Some accounts are showing open and some are showing closed status. The account is in charge off status but still showing a balance this is a tax fraud because this alleged debt has been written off on the companies profit/loss statement and I have not received a form 1099c and are trying to collect on an alleged debt twice. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. According FCRA guidelines information furnished on consumer reports have to be 100 % accurate across on all 3 credit reporting agencies or the account has to be removed from my consumer report as this constitutes fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I was sent a job for a XXXX XXXX. Stated that it would pay XXXX weekly. I just need to send money to my Bosses clients. When is did I learned that the check I received was fake and I got scammed {$100.00} of my own money. He was suppose to send me money so I could sent it to his clients he said he would pay me back and he ghosted me. This happens XX/XX/2023 but then throughout the week after he would text me to try to get me to send money to his other clients but I declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Accounts being over charged and over draft fees. I don't have specific dates, only around 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 explanation
Consumer complaint received 2023-02-04 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: CA

Complaint narrative:
The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal they have also violated my rights under 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. 


Also the Credit Bureaus took more than XXXX  days to complete my investigation Confirmation # XXXX The account : XXXX # XXXX was deleted XXXX times from my credit report. Also put back on my credit report. I received a letter from Equifax, Confirmation # XXXX Stating THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. This a violation of my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 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: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
These companies as I explained I have never signed a contract with or have any knowledge of this collection company my personal information was sold or passed on with out my knowledge after several attempts to have them removed nothing has happen

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 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: LA

Complaint narrative:
See attached!! The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, last verified inaccurate and date last reported is not accurate. Some accounts are showing open and some are showing closed status. The account is in charge off status but still showing a balance this is a tax fraud because this alleged debt has been written off on the companies profit/loss statement and I have not received a form XXXX and are trying to collect on an alleged debt twice. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. According FCRA guidelines information furnished on consumer reports have to be XXXX  % accurate across on all XXXX credit reporting agencies or the account has to be removed from my consumer report as this constitutes fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 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: LA

Complaint narrative:
See attached!! The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, last verified inaccurate and date last reported is not accurate. Some accounts are showing open and some are showing closed status. The account is in charge off status but still showing a balance this is a tax fraud because this alleged debt has been written off on the companies profit/loss statement and I have not received a form XXXX and are trying to collect on an alleged debt XXXX. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. According FCRA guidelines information furnished on consumer reports have to be 100 % accurate across on all XXXX credit reporting agencies or the account has to be removed from my consumer report as this constitutes fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-04 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: NM

Complaint narrative:
XXXX Was closed incorrectly. CONDUENT IS NOT A Goverment Agency, Not State, Not Local, Not US Government. 
This was closed incorrectly. 
Conduent goes out of its way to tell employees they are not government employees and states it is NOT a government agency. 
This was closed incorrectly

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 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: MD

Complaint narrative:
Hi, i'm a victim of identity fraud somebody used my information to obtain vehicle loans and open credit card accounts in my name. for example XXXX XXXX {$1900.00} date opened XXXX XXXX XXXX XXXX {$3700.00} date openeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$24000.00} date opened XXXX XXXX XXXX  Inquiries : XXXX XXXX XXXX  Date opened XXXX XXXX XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX XXXXXXXX XXXX Date opened XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( bank ) XXXX XXXX XXXX XXXX XXXX XXXX  ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX  Date opened XXXX XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX  Date opened XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened 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 2023-02-04 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:
Hi, i'm a victim of identity fraud somebody used my information to obtain vehicle loans and open credit card accounts in my name. for example XXXX XXXX {$1900.00} date opened XXXX XXXX XXXX XXXX {$3700.00} date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$24000.00} date opened XX/XX/XXXX Inquiries : XXXX XXXX XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX  Date opened XXXX XXXX XXXX XXXX XXXX  Date opened XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Remitly, Inc.

Complaint narrative:
I have evidence on my phone. I did not approved the payments and I sent money to them and released they are scammed and they just kept wanting money and I want my money bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
See attachment detailing fraudulent accounts on my consumer 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 2023-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
CFPB Complaint DESCRIPTION OF MY COMPLAINT : On XX/XX/XXXX, Experian sent me copy of my credit report # XXXX. 
On page number 4 of that report, Experian lists XXXX XXXX as a potentially negative account, with a payment history of collection. 

In XXXX, negative report against me was submitted by XXXX XXXX to the credit bureaus, after my husband and I requested that our account with them be closed. 

I immediately reached out to XXXX XXXX and disputed report with the credit bureaus, both in writing and by telephone. I submitted evidence of my good faith to resolving problem with them, also submitted evidence of paying balance they claimed in full. 

I was always willing and available to resolve situation. The collection status of my account with them contributed to me been disapproved for a mortgage loan in 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 explanation
Consumer complaint received 2023-02-04 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been trying to dispute this account multiple times and have not received the proper updates. The dispute started in XXXX of 2022 and it still has not been reflected in my credit reports from TransUnion and XXXX as being disputed. This is a violation of 15 U.S. Code 1681s2 - Responsibilities of furnishes of information to consumer reporting agencies- ( 3 ) as the account was not noted as being disputed within 30 days. Additionally, 15 U.S Code 1681a ( 2 ) ( A ) I states that transactions should not be included in a credit report, but this late payment is still being reported, resulting in another violation of the US code.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-04 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been trying to dispute this account multiple times and have not received the proper updates. The dispute started in XXXX of 2022 and it still has not been reflected in my credit reports from XXXX and Experian as being disputed. This is a violation of 15 U.S. Code 1681s2 - Responsibilities of furnishes of information to consumer reporting agencies- ( XXXX ) as the account was not noted as being disputed within 30 days. Additionally, 15 U.S Code 1681a ( 2 ) ( A ) I states that transactions should not be included in a credit report, but this late payment is still being reported, resulting in another violation of the US code.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Re : Synchrony Bank who underwrites Lowes XXXX XXXX credit cards. 

I unknowingly overpaid my account in XXXX by submitting the payment twice. No one told me that I had a credit for {$1800.00}. I found out the beginning of XXXX on my OWN. I received NO billing statements notifying me of this overpayment. 

I called the customer service number on XXXX. They subcontract their call center to another country. I get to hear roosters crowing in the background repeatedly. The woman assured me I would get my money via check within 10 to 14 business days. Nothing. 

I called again today XXXX I explain the situation again. Of course, there was no record of my call! Probably wasn't documented because she heard nothing of my conversation due to the cockle doodle doos in the background. I am now told to wait an additional 10-14 BUSINESS days a day the overpayment refund can not be expedited.

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 2023-02-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I reached out these companies thur via the credit Bureau and I haven't heard any response, feel I've been ignored and degraded im a women of proud and I demand this incorrect, inaccurate, and unverifiable Information ( inquiries ) be deleted from my report. 60 Days later no response is insane why take of someone who is trying so hard as a XXXX mother.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 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: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX Please investigate and provide Proof with statements showing that this payment was late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I contacted the credit reporting agency to remove the inaccurate and outdated personal information in my credit file related to the addresses listed. I informed them that these are non-mailable addresses and should be removed immediately. They failed to comply in removing these items. The following addresses need to be removed immediately. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2023-02-04 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: CBC Companies, Inc.
State: CA

Complaint narrative:
I contacted the credit reporting agency to remove the inaccurate and outdated personal information in my credit file related to the addresses listed. I informed them that these are non-mailable addresses and should be removed immediately. They failed to comply in removing these items. The following addresses need to be removed immediately. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with non-monetary relief