vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 00:00:00
Product: Credit 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: NC

Complaint narrative:
In XXXX XXXX  part, I as suppose do receive a XXXX  from XXXX XXXX. I never received the item. I alerted XXXX XXXXXXXX and didnt receive a response for over a week. After the week was up, I placed a dispute with capital one on XX/XX/year>. The item showed it was delivered but i never received it. I complied with Capital one to provide additional documents to prove I didnt receive the item which included a written and signed statement stating that I didnt receive the item nor did I authorize anyone to receive the item on my behalf. This was sent on XX/XX/XXXX. Since I didnt hear anything from capital one, I called them on XX/XX/XXXX to check on the status. They stated that in the information I sent, they didnt receive my written statement which was false as I sent everything in one packet to their secure link. With them telling me that, I sent them the item they were inquiring about. Note, they never told me they were missing this item, I had to reach out to them to find this out. I sent it again through another secure link. On XX/XX/XXXX l, they sent a digital letter stating that it had been past 60 days since the dispute was opened and that they were not able to move forward with the dispute. I was at shock because I had sent it to them initially when they requested the information. I called them on the XXXX of XXXX to give them my explanation for everything. They waived me off and kept stating it was past the time period. This shouldnt have happen and I requested they provide me with my money from the credit card. They kept stating they admit they didnt communicate with me stating they needed a document which was already provided. 

In the meantime, I tried to rework with XXXX  to get my money back or another XXXX. They kept stating they need to allow more time for an investigation to finish with XXXX. I told them I never received it even though I was at home when it was supposedly delivered. I am asking for CFPB to work with capital one and XXXX  to obtain either a refund/credit back or a XXXX  sent back out. The information regarding the case with capital one is below and everything from XXXX  so far is below as well. 
Technically it hasnt been 60 days yet. Since I filled on XX/XX/XXXX and they responded back on XX/XX/XXXX with the requested documents. 

And on XX/XX/XXXX I submitted the other document they supposedly didnt receive which I know I sent the first time around.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
We are owed {$1600.00} from Synchrony XXXX XXXX XXXXXXXX Credit Card. After a number of calls we have not received that check though we have received a gift check so it seems its not just lost in the mail. 

Original reason for a credit : We purchased a table from XXXX XXXX XXXX in XXXX using an offer of a credit card labeled with the XXXX XXXX XXXX name but apparently really from Synchrony Bank. The table had a defect and was returned. Our Synchrony Credit card statement of XX/XX/XXXX first showed the incoming credit due to us. The Account is XXXX XXXX ending in XXXX. 

We contacted Synchrony CS first on XX/XX/XXXX requesting the direct refund. On the XX/XX/XXXX statement it shows a Refund Check but such check was never received. 

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I contacted Synchrony representatives, requesting a check to be issued and mailed to us in the amount of XXXX. 

On the XX/XX/XXXX call, the CS Rep indicated the check had been previously cut and a decision had been made not to send the second check. 

On the XX/XX/XXXX call I escalated my call to another CS Rep. They said they would send a check in 5 - 15 days. I also explained that if we were late on our payments we would be paying interest and we were offered a {$50.00} credit for our inconvenience. This appeared on the XX/XX/XXXX statement. 

On the XX/XX/XXXX call we again escalated and were told they were escalating and would be XXXX days. 

On XX/XX/XXXX XXXX weeks later we received a check for {$50.00} in the mail. Still no check for the original credit due so I called in again. 
This got escalated to the CS Manager named XXXX, from the XXXX  XXXX Office. She had no explanation as to why we are not receiving our check. She refused to escalate the situation to her boss and said she can only ask to have a check reissued and sent within 5 to 15 days. I am afraid this will not resolve our situation. 

The first week in XXXX will mark 6 months that we have been trying to get our refund. We are extremely frustrated. I would gladly contact XXXX XXXX XXXX liason to the Synchrony Bank to helps us, but XXXX could not provide that 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 explanation
Consumer complaint received 2025-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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 non-monetary relief
Consumer complaint received 2025-05-17 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: HireRight Solutions, Inc.
State: OH

Complaint narrative:
Spoke With : Reference Number : XXXX Time Completed : XX/XX/XXXX XXXXXXXX XXXX  PDT HireRight Comments : XX/XX/XXXX XXXX XXXX PDT - XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX- XXXX XXXX - Per HireRight 's database Employer only verifies via XXXX - WorkNumber. Submitted request. Request ID : XXXX. Surcharge applies. 
XX/XX/XXXX XXXXXXXX XXXX PDT - XXXX XXXX - Note : Checked internal filing system. documentation not on file. 
XX/XX/XXXX XXXX XXXX PDT - XXXX XXXX - Note : Requested the following from the applicant : Date clarification for XXXX XXXX XXXX XXXX XXXX Email sent to XXXX. 
XX/XX/XXXX XXXXXXXX XXXX PDT - XXXX XXXX - Note : The information provided by the XXXX has been verified with a discrepancy found in the start and/or end dates of employment. { dma } XX/XX/XXXX XXXXXXXX XXXX PDT - XXXX XXXX - Note : Received documentation from applicant. Received XXXX and paystub end XX/XX/XXXX, issued from XXXX XXXX XXXX XXXX And received XXXX, XXXX and Form XXXX XXXX issued from XXXX XXXX XXXX XXXX Unable to find affiliation. And received income tax return, screen shot. Unacceptable. <HireRight has only received limited documentation from what was originally requested>. 
XX/XX/XXXX XXXX XXXX  PDT - XXXX XXXX - Note : HireRight requires candidate employment documents to contain candidate name, company name and a date reference. All documentation received must be an acceptable form per HireRight standards. The documents on file do not satisfy HireRight 's verification standards. 
XX/XX/XXXX XXXX XXXX PDT - XXXX XXXX - Note : Requested the following from the applicant : Employer Affiliation Clarification ; Employment - Unacceptable Docs Received for XXXX XXXX XXXX XXXX Email sent to XXXX. 
XX/XX/XXXX XXXXXXXX XXXX PDT - XXXX XXXX - Applicant contacted saying I sent W-2s and it? XXXX not reflected in the work history. These are XXXX XXXX agencies that are owned and operated by the XXXX XXXX or corporation. Stated XXXX XXXX is the other agent. I worked for XXXX different XXXX XXXX agents throughout the years and sent in the XXXX, but on this background check, it doesn? t look like it? XXXX reflecting correctly. 
XXXX, XXXX, paystubs, multiple W2s and tax documents provided to HireRight included my NAME, company name, and a date reference. All documentation provided was acceptable form per HireRight standards. They never updated the work history, years of employment, and made false statements, including the documents were unsatisfactory and didnt include the information requested when the documents did in fact satisfy the companys standards

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
Account Portfolio Recovery # XXXX * * * * I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent the proper notification, please provide " Certified Mail ' with receipt displaying my signature. If not, please delete the account # XXXX * * * * as soon as possible or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit 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: CA

Complaint narrative:
I opened a dispute on XX/XX/XXXX, then I closed the dispute on XX/XX/XXXX. 
When I opened the dispute Chase credited the amount back to my account. Then when I closed the dispute on XX/XX/XXXX they re-billed me and I paid the amount in full. 
The merchant is a goverment agency, the XXXX XXXX in XXXX XXXX, California. 
The merchant to this date XX/XX/XXXX has not received my payment. 
Chase insist that my credit card statement that shows that I was re-billed and that I paid the complete amount is the legal document to prove to the merchant that I paid my bill. 
The merchant never received the funds and has requested detail bank transfer information. The detail bank transfer information to prove that Chase transfer the money to the merchant is information that Chase does not provide to their customers. 
The merchant will not credit my account with the payment I made because their bank has never received the funds, so as of today I continue to be delinquent for the amount that Chase collected since XX/XX/XXXX. I have spent endless hours on the phone with supervisors and managers at the Dispute Department of Chase and also with the merchant that is a goverment agency, the gov agency will not fabricate or produce any credit in favor with my Chase cc statement showing that I paid, my statement doesn't mean anything to the gov agency, they need to see the details of the transfer that Chase claimed was done. Chase had me wait up to 45 days before this cleared, but now we're past 5 months and Chase will not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
b'TransUnion received on XXXX XXXX XXXX. It stated that on XXXX that it was still investigating and could take up to 60 days.  \n\nAccording to the Fair Credit Reporting Act, TransUnion only has 30 days from receipt of dispute XXXX to investigate.\n\nTransUnion also stated in the CFPB complaint they mailed the consumer a letter on XXXX, that the investigation is ongoing. That is an untrue statement from TransUnion. Consumer never received such letter. (as of XXXX XXXX XXXX)\n\nIt has now been over 30 days, a violation of the 30 day investigation guidelines set by the FCRA. \n\nThe following phone numbers have not been removed: which are invalid/incorrect.XXXX XXXXn\nThe debt of Dept of Ed/XXXX in the amounts as followsXXXX\nhas not been validated and is not valid. Is still appearing on the credit report. Those now have to be removed from TransUnion credit report due to lack of debt validation. \n\nThis is my final dispute with TransUnion before initiating legal proceedings. They have violated the FCRA laws of dispute and investigations by 23 days. With no written communication via USPS mailed.'

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 2025-05-16 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: CA

Complaint narrative:
I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( B ) regarding the reinsertion of previously deleted material into my credit file without proper certification of accuracy and notification to the consumer as mandated by law. There is a fraudulent auto loan by XXXX XXXX XXXX - PARTIAL ACCOUNT NO : XXXXXXXX XXXX XXXX XXXX XXXX  was opened under my name without my knowledge and I am asking to block and delete this fraudulent account because I have no knowledge about this account. It is a fraudulent 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 2025-05-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( B ) regarding the reinsertion of previously deleted material into my credit file without proper certification of accuracy and notification to the consumer as mandated by law. There is a fraudulent auto loan by XXXX XXXX XXXX - PARTIAL ACCOUNT NO : XXXXXXXX XXXX XXXX XXXX XXXX  was opened under my name without my knowledge and I am asking to block and delete this fraudulent account because I have no knowledge about this account. It is a fraudulent account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
XX/XX/year>, credit was pulled unauthorized. I asked for proof of a signed application

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  XXXX, Account # XXXXXXXX XXXX XXXX XXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-17 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: EQUIFAX, INC.
State: AL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLA Collection Company, Inc.
State: IN

Complaint narrative:
GLA collection co inc I tried resolving this account in XXXX. For months I emailed, tried calling, reaching out to pay my debt. I NEVER NOT ONCE received a response about my debt from them. So I dispute to be denied. XXXX I start getting some documents with a much higher balance than my report entails. Incorrect balance- dispute. Denied. End of XXXX I again reach out to settle account. NO ONE will reply to me! Disputed! Denied! Now XXXXGLA COLLECTION CO INC HAS FLAGGED MY ACCOUNT! THIS IS ABSOLUTELY ABSURD. You people didn't want my money when I had it to give, when I didn't have it you wanted much more than what you're saying you wanted, all the while all these inaccuracies!!! AND THEN YOU FLAG ME! DAMNED RIDICULOUS.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Global Lending Services LLC
State: NC

Complaint narrative:
XX/XX/year>, credit was pulled unauthorized. I asked for proof of a signed application

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Westlake Services, LLC
State: NC

Complaint narrative:
XX/XX/year>, credit was pulled unauthorized. I asked for proof of a signed application

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 2025-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: FL

Complaint narrative:
I have disputed unauthorized transactions with this company and have provided proof they never honor your request they move so slow they are the worst bank ever

Company response to consumer: Closed with explanation