vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I ordered a supercharger from XXXX in XXXX of XXXX XXXX, I contacted XXXX  on XX/XX/XXXX explained the item they sold me wouldn't work due to they sold me the wrong item. The seller stated I have two options I can be hit for 30 % restocking fee as stated in his email or a store credited. This item was charged on SYNCHRONY CAR CARE ending in ( ... XXXX ). I contacted them to dispute the charge based on me being sold the incorrect item. They declined my dispute and refusing to charge back the company the charge minus the 30 % restocking fee even though I provide them proof the company would. I returned the items back to the seller in XX/XX/XXXX on tracking XXXX less than 30 days of receiving the product. I no longer have any other the items I'm being charged for in over 4 months but being charged for it. 

The merchant stated I had a store credit to use in the amount of {$7200.00} XX/XX/XXXX. He did not provide an expiration date when I had to use the store credit. I contacted the merchant on XX/XX/XXXX and XXXX, XXXX asking to us my store credit. The merchant has yet to respond to me. I contact the credit card company SYNCHRONY CAR CARE ending in ( ... XXXX ) on XX/XX/XXXX and XX/XX/XXXX to dispute the charges since the merchants isn't responding for help. They acknowledged my dispute however they never responded to my dispute advising of the out come instead they closed it out without any explanation. I know they are required to send me a letter adivising me of the out come of the dispute which they haven't since I provided new information regarding my dispute. 


I attempted to work with the merchant as they suggested I sent two emails and a certified letter on XX/XX/XXXX on USPS Tracking # XXXX. The merchant has yet to respond 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 explanation
Consumer complaint received 2025-01-07 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: NY

Complaint narrative:
This morning, I discovered errors on my credit report, and Im completely confused as to why theyre there. Ive been diligent about monitoring my report, but these discrepancies appeared suddenly. I thought maybe it was a temporary glitch and refreshed my browser multiple times, but it made no difference. Please, Im desperate for you to go over the documents Ive sent carefully to resolve this issue once and for all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit MGT served a person at an address I do not live at in XXXX of XXXX and then the court turned it into a judgement in XXXX of XXXX in XXXX, I do not live in XXXX since XX/XX/XXXX... .and have not returned, I live in XXXX and can prove that, I just happen to find this out or I would have never known someone was served that was not me, how can they serve someone that was not me at an address I do not live at. in another state, I used to live in the state of XXXX but have not since XX/XX/XXXX ... .this is an improper serve. I did not know they could just serve anyone and then go place a judgment without them even knowing... ..this is a bit scary and my information was now shared with this person, i'm not even related to this person in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: TX

Complaint narrative:
I submitted a dispute with Equifax and was given the following reference number - XXXX. Within XXXX hours it was denied and they stated they believe the XXXX XXXX inquiry was legit and they will not remove. I called on XX/XX/year> and spoke with XXXX she told me to print out a dispute paper and mail in a copy of my social security card and drivers license. With this being a identify theft case, why would I do this? She responded that Equifax is different from XXXX and XXXX that they will not investigate unless I mail them these photo copies. 
I spoke with XXXX and they confirmed they have placed as fraud. This still isn't enough for Equifax!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me XXXX. Hope you can address this soon, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I signed up for an XXXX credit card. It is handled by Comenity Bank. Their online site shows the balance. When I pay balance, I end up with some residual fee for service fees and it never gets paid off. Then they start charging for paper statements, which I never agreed to. Then they charge a minimum service fee for that. And if you do not pay that, they charge you a late fee. They will always continually charge you with some residual fees and you can never pay this off. 

They would not work with me and tell me I have to pay this extra service fee to pay it off or get more fees assigned to my account. 

I finally had to close it which will negatively affect my credit score and something needs to be done about Comenity bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: SELECT PORTFOLIO SERVICING, INC.
State: MN

Complaint narrative:
Select Portfolio Servicing increased my mortgage from {$110000.00} to {$1600.00} In a phone call I was told the increase was due to a negative escrow amount Of {$6500.00}. 
This meant they're charging me an additional {$540.00} per month. I am on a limited budget due to XXXX  & limit on how I much I can earn. They know this.

I don't know how this deficit got to this. They say they review escrow yearly but over {$6000.00}?!? They denied my request to spread out. Instead, I was told I can pay in full now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be Inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, 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 li ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately Account : XXXX XXXX, Account : XXXX - This account is being reported inaccurately, please remove this from my credit report immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be Inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, 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 li ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately Account : XXXX XXXX, Account : XXXX - This account is being reported inaccurately, please remove this from my credit report immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
There has been inaccurate information on my credit report stating that I had a late payment. I have never been late on paying XXXX  XXXX this is fraudulent that XXXX have been exposed in the Equifax data XXXX. I have mad multiple attempts to Equifax to dispute this or demanded proof and no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
XX/XX/year> Amount:XXXX $ I received a call and I told the company I can not pay because I had financial hardship.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
This morning, I found an unauthorized inquiry on my credit report that shouldnt be there. Refreshing my browser didnt help, proving its not a glitch. Im incredibly frustrated and need your team to thoroughly review my documents right away to prevent further worry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: OK

Complaint narrative:
Hello, I am requesting an investigation into these accounts as there appears to be a discrepancy regarding their accuracy on my credit report. These accounts were removed previously but have been reinstated without my awareness. I did not receive any notification or correspondence about their reappearance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I reviewed my credit report and it shows that XXXX XXXX  was charged off. I REQUESTED A 1099 -c and it was not sent They have this debt list twice on my report I want this removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I went to the atm at chase bank and deposited XXXX. They gave me a credit for XXXX and the atm then said it was not accepting anymore deposits. Chase bank stated they would check the atm that week and provide me with feedback. They have not responded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: DISCOVER BANK
State: WA

Complaint narrative:
I have a personal loan from Discover Bank. When I make my monthly payments there is always the option to print the confirmation of payment. When I do so, they used to have the PAYMENT CONFIRMATION NUMBER on that printed confirmation page. ( see attached pic confirmation 1 ) About XXXX of 2024 they stopped showing the confirmation number. You can still print a confirmation page, but all it shows is that you've scheduled a payment. ( see attached pic confirmation 2 ) I emailed the Executive Offices of Discover on XX/XX/XXXX to file a complaint. I finally spoke to them on Friday XX/XX/XXXX and they said that they no longer show it on their payment page. 

That is entirely unacceptable. Payments get misapplied all the time. And the ONLY recourse consumers have is a Payment Confirmation Number. Now, as it stands if they say I've missed a payment, the only thing I can show them is a printed receipt that only says that I scheduled my payment. I no longer have a Payment Confirmation number to submit that corroborates payment. 

What are they trying to hide? Why are they hiding it? It's not account numbers. It's information that we as consumers a legally entitled to. They can certainly display it. They do for their credit card payments, so why not personal loan payments?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Name XXXX XXXX My Joint account with my daughter was deducted XXXX {$20.00} deductions from XXXX XXXX I am requesting for back office to actually review my bank statements. It appears that my TD app is completely different from the online TD bank. I've submitted a complaint to XXXX XXXX  since I am definitely not interested in paying anyone to view their account. I am requesting to be fully reimbursed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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 sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 

It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 

As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief