vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I was charged for an XXXX XXXX membership on a yearly basis via my XXXX XXXX XXXX and also charged on a monthly basis via Synchrony Bank XXXX store card at {$14.00} per month for the same 2 year period. I have provided proof to Synchrony of the yearly charges and they refunded 1 year but have still not refunded the second year. I started my original dispute about XX/XX/2021 so it is now more than 90 days and they keep sending me emails that they are refunding the amount but nothing every happens for the second year.

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 2022-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STERLING JEWELERS, INC.
State: FL

Complaint narrative:
During the XXXX season of XXXX I XXXX XXXX the consumer and natural person alive and living received communication from a third party debt collector XXXX XXXX XXXX XXXX XXXX XXXX owes {$210.00} XXXX This alleged debt had already been disputed and thus removed from my credit reports thru cease and desist with Sterling Jewelers. I have no consumer credit transactions with XXXX XXXX XXXX and did not give XXXX XXXX XXXX permission to contact me or anyone else about this alleged debt owed. On XX/XX/XXXX XXXX XXXX XXXX communicated to CRA 's of alleged debt and it impacted my credit score in a negative manner.

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 explanation
Consumer complaint received 2022-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
This is a follow up of complaint XXXX which was not resolved. 

A credit card was fraudulently opened in my name on XXXX XXXX with XXXXXXXX XXXX for a XXXX XXXX account. This investigation concluded on XX/XX/XXXX with XXXX XXXX concluding it was a fraudulent account and notifying the credit bureaus ( see attached documentation ). 

TransUnion is refusing to remove the account from my record and is causing issues with my mortgage.

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 2022-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have contacted XXXX, Transunion, and XXXX regarding the exaggerated drop in my credit score as fraudulent. They continually drop my credit score drastically even if I pay off my balances, and due to the fact that " ONE '' credit card balance is over the limit they disregard other factors of my credit worthiness such as exceptional payment history. Balances are always incorrect by 2-3 months greatly affecting my credit worthiness over and over again. 

They are currently using a formula that fraudulently basis a consumers credit worthiness because of " one '' account over-the-limit, or over 50 % and disregarding monthly paid balances.

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 2022-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have contacted Experian, XXXX, and XXXX regarding the exaggerated drop in my credit score as fraudulent. They continually drop my credit score drastically even if I pay off my balances, and due to the fact that " ONE '' credit card balance is over the limit they disregard other factors of my credit worthiness such as exceptional payment history. Balances are always incorrect by 2-3 months greatly affecting my credit worthiness over and over again.

They are currently using a formula that fraudulently basis a consumers credit worthiness because of " one '' account over-the-limit, or over 50 % and disregarding monthly paid balances.

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 2022-01-23 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I sent letter to all three Bureau more than a month ago and i have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 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: OH

Complaint narrative:
Hello : I have worked diligently with All 3 major credit bureaus to resolve items for which I can not confirm belong to me. I'm beginning to believe that someone is obtaining debt in my name. I've asked for contracts of all three collection accounts but to no avail. 

Please aid me in conveying that this will be the final time for which I'll be requesting this information prior to contacting law enforcement with counsel to investigate these illegal marks on my credit files. 

Let us not be remiss that The Comprehensive Credit Reporting Enhancement, Disclosure, Innovation, and Transparency Act of 2020 or in short better known as the Comprehensive CREDIT Act of 2020 within section 401 explains details regarding any adverse credit details contained within my personal credit file that Id appreciate if XXXX, Experian and XXXX would adhere to as is required by law. 

To not adhere to this law is accepting all consequences included and not limited to litigation, that will come fourth should they continue not comply with Federal Law. 

( 12 ) TITLE IVCREDIT RESTORATION FOR VICTIMS OF PREDATORY ACTIVITIES AND UNFAIR CONSUMER REPORTING PRACTICES Sec. 401. Adverse credit information Any other adverse items of information relating to the collection of debt that did not arise from a contract or an agreement to pay by a consumer is to be REMOVED FROM MY CREDIT FILE. 

Collection Account ( s ) XXXX XXXX XXXX  ( {$3000.00} bill ) -XXXX  and XXXX XXXX XXXX ( {$2000.00} bill ) - Experian and another miscellaneous account XXXX XXXX ( {$320.00} ) - XXXX - LITIGATION I have not been supplied proof per doctrine of estoppel by silence. XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume no evidence of the Alleged Debt therefore exists. The above account remains on my credit file but needs to be removed at once.

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 2022-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In regard to previous complaint number XXXX Remaining balance in letter is still being held by chase bank. I want second tracking number

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
Wells Fargo Debt Settlement amount {$7100.00} Auto paid Full XXXX Amount received {$1400.00} ; Wells Fargo assigned to assigned to Bankruptcy that was filed XXXX, which was allocated to me by bankruptcy court stated it did not apply to XXXX debt Requested information on amount disbursement was told by customer service of CPI settlement Auto was repossessed, clarified with Wells Auto Finance information was incorrect. 
Requested inquiry, still waiting on response 6 months date no response Wells Fargo XXXX insurance cost me $ 4000out of pocket in XXXX due to incorrect VIN number of my vehicle. I thought for a moment they tried to do the right thing but that was short lived with this process again

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 2022-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
This is a follow up of complaint XXXX which was not resolved. 

A credit card was fraudulently opened in my name on XXXX XXXX with Synchrony Bank for a Care Credit account. This investigation concluded on XX/XX/XXXX with Synchrony Bank concluding it was a fraudulent account and notifying the credit bureaus ( see attached documentation ). 

XXXX is refusing to remove the account from my record and is causing issues with my mortgage.

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 2022-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I wired {$6600.00} to an account at JP Morgan Chase Bank in XXXX, NY on XX/XX/XXXX for the purchase of on online car sale that ended up being fraudulent. Bank information is as follows : Beneficiary Bank : JPMorgan Chase Bank Address : XXXX XXXX XXXX XXXX, XXXX, NY XXXX Beneficiary Name : XXXX XXXX Mailing Address : XXXX XXXX XXXX, XXXX, NY XXXX Account Number : XXXX Routing number : XXXX Reference number : # XXXX. The transaction began when I made contact with supposed car seller XXXX XXXX, XXXX XXXX XXXX XXXX IN XXXX, via a listing on XXXX for a XXXX XXXX VIN # XXXX. We exchanged emails in which she described needing to sell at a low price because of moving out of country. She let me know that she had a shipping company handling the sale ( XXXX  XXXX XXXX XXXX XXXX IN XXXX / ( XXXX ) XXXX / XXXX / https : XXXX ) She described a transaction in which I would pay for shipping, the company would hold full payment in reserve, and I would have five days once in receipt of the car to decide if I actually wanted to purchase it. XXXX contacted me with the wiring directions above. I sent the money, and they sent a straight bill of lading with a delivery date of XX/XX/XXXX. The car wasn't delivered on time and all attempts at contact with the delivery company and seller since then have gone unanswered. Indeed, the phone simply rings a few times and then beeps with no voicemail, and clicking a few times through the website goes nowhere. I began to realize it was a scam and a search on the VIN found this : https : XXXX. I contacted my bank, XXXX XXXX XXXX XXXX, on XX/XX/XXXX. Both their attempts at rectifying the situation with Chase and my attempts to communicate with Chase about this issue have gone unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 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: NE

Complaint narrative:
Hello, I am XXXX XXXX. I repeatedly sent Equifax my proof of identity and proof of birthday yet they continuously report my name incorrectly and my birthday incorrectly. I am not sure who they verified any of this information when I am who this credit file is on and have provided several forms of verification to prove that. Equifax willful noncompliance by continuously reporting inaccurate information shows a violation of federal law. 

I have attached proof of inaccurate information reporting along with proof of identity and birthdate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Someone stole my identity and opened a fraudulent account with XXXX BANK without my consent. Inquiry date was XXXX, XXXX, 2022. 

This account is fraudulent and it has affected my credit negatively. Please help

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 2022-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Someone stole my identity and opened a fraudulent account with XXXXXXXX XXXX without my consent. Inquiry date was XXXX, XXXX, 2022. 

This account is fraudulent and it has affected my credit negatively. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Someone stole my identity and opened a fraudulent account with XXXX XXXX  without my consent. Inquiry date was XXXX, XXXX, 2022. 

This account is fraudulent and it has affected my credit negatively. Please help

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 2022-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: NY

Complaint narrative:
Dear CFPB, Some of the questions on the forms- they ask if I tried to fix the problem with the Company! Yes! Yes! I have done so much to straighten these matters out with the Companies! So many Phone Calls! So many E-Mails! And Paper Mails! 
AN ENORMOUS AMOUNT OF PROBLEMS - seems - to have started when something went wrong with 1 accountatXXXX! 
It was aCheckingAccnt. I was using that accountto make automatic payments to a lot of Credit Card Companies. 

When something went wrong with thatcheckingaccountatXXXX- it caused things to go wrong with payments to Credit Card Companies! 

Then - that caused Credit Card Companies to start sending false info to my files at Credit Bureaus! 
Then - that caused those Credit Bureaus to send false info about me to a lot more Companies! 
Maybe all over Corporate America? 
How many Companies??? 
Strange thing- if somethinggoes wrong with 1 account- if it is acheckingaccount- it can spread a lot of problems to a lot of companies! 
I have done so - SO MUCH totry to getthese things straightened out withCompanies! 
And I gave the XXXX XXXX a back-up checkingaccount number that they can use until the primary checking account is fixed! 
I will file a more detailed complaintwhen I have more time & more energy! 
There R so many more details to write about! 
When I have better health!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 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: OH

Complaint narrative:
Hello : I have worked diligently with All 3 major credit bureaus to resolve items for which I can not confirm belong to me. I'm beginning to believe that someone is obtaining debt in my name. I've asked for contracts of all three collection accounts but to no avail. 

Please aid me in conveying that this will be the final time for which I'll be requesting this information prior to contacting law enforcement with counsel to investigate these illegal marks on my credit files. 

Let us not be remiss that The XXXX XXXX XXXX XXXX, Disclosure, Innovation, and Transparency Act of 2020 or in short better known as the Comprehensive CREDIT Act of 2020 within section 401 explains details regarding any adverse credit details contained within my personal credit file that Id appreciate if TransUnion, XXXX and XXXX would adhere to as is required by law. 

To not adhere to this law is accepting all consequences included and not limited to litigation, that will come fourth should they continue not comply with Federal Law.

( 12 ) TITLE IVCREDIT RESTORATION FOR VICTIMS OF PREDATORY ACTIVITIES AND UNFAIR CONSUMER REPORTING PRACTICES Sec. 401. Adverse credit information Any other adverse items of information relating to the collection of debt that did not arise from a contract or an agreement to pay by a consumer is to be REMOVED FROM MY CREDIT FILE.

Collection Account ( s ) XXXX XXXX XXXX  ( {$3000.00} bill ) -XXXX  and TransUnion XXXX XXXX ( {$2000.00} bill ) - XXXX and another miscellaneous account XXXX XXXX ( {$320.00} ) - TransUnion - LITIGATION I have not been supplied proof per doctrine of estoppel by silence. XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume no evidence of the Alleged Debt therefore exists. The above account remains on my credit file but needs to be removed at once.

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 2022-01-23 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: OH

Complaint narrative:
Hello : I have worked diligently with All 3 major credit bureaus to resolve items for which I can not confirm belong to me. I'm beginning to believe that someone is obtaining debt in my name. I've asked for contracts of all three collection accounts but to no avail. 

Please aid me in conveying that this will be the final time for which I'll be requesting this information prior to contacting law enforcement with counsel to investigate these illegal marks on my credit files.

Let us not be remiss that The Comprehensive Credit Reporting Enhancement, Disclosure, Innovation, and Transparency Act of 2020 or in short better known as the Comprehensive CREDIT Act of 2020 within section 401 explains details regarding any adverse credit details contained within my personal credit file that Id appreciate if XXXX, XXXX and Equifax would adhere to as is required by law. 

To not adhere to this law is accepting all consequences included and not limited to litigation, that will come fourth should they continue not comply with Federal Law.

( 12 ) TITLE IVCREDIT RESTORATION FOR VICTIMS OF PREDATORY ACTIVITIES AND UNFAIR CONSUMER REPORTING PRACTICES Sec. 401. Adverse credit information Any other adverse items of information relating to the collection of debt that did not arise from a contract or an agreement to pay by a consumer is to be REMOVED FROM MY CREDIT FILE. 

Collection Account ( XXXX ) XXXX XXXX XXXX ( {$3000.00} bill ) -Equifax and XXXX XXXX XXXX ( {$2000.00} bill ) - XXXX and another miscellaneous account XXXX XXXX  ( {$320.00} ) - XXXX - LITIGATION I have not been supplied proof per doctrine of estoppel by silence. XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume no evidence of the Alleged Debt therefore exists. The above account remains on my credit file but needs to be removed at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX Date opened XX/XX/2013 Account type Credit Card This account is paid in full and resolved with credit grantor as already been removed one bureau its reporting on the other two despite sending multiple dispute with credible evidence sent.The account is reporting late and charge-off despite being closed and paid.

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 2022-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation
State: NY

Complaint narrative:
Penn corporation was notice on my credit file recently saying that they bought the debt in XXXX but I advised them that I previously paid it with the last debt collector.they stated thats not true and I owe.my previous credit report should reflect this information.I am currently looking through my belongings because I have moved and a lot of my things are still packed up.I have retained a lawyer and I was advised to contact this agency first

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation