vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-15 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: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
( 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 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

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 2022-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
My wife and I enrolled into XXXX XXXX XXXX in or around XXXX. One of the accounts that was settled through them was a Lowe 's credit card with Synchrony Financial. The approximate balance was XXXX. XXXX XXXX XXXX made a settlement to synchrony and Synchrony then informed them there was a XXXX balance on the account and refused the funds. Almost one year later, synchrony reached out to XXXX XXXX XXXX  to let them know that synchrony had made a mistake and that the funds were indeed owed. XXXX then asked synchrony on XX/XX/XXXX at XXXX XXXX  via email from XXXX XXXX at XXXX to XXXX XXXX  if they would honor their previous agreement from XXXX of XXXX. If synchrony agreed to it, which they did, Then XXXX would overnight a check to them in the amount of XXXX. This check was cut on XX/XX/XXXX and overnighted to Synchrony bank which they received on XX/XX/XXXX at XXXX XXXX  and signed for by an XXXX XXXX. The tracking number from XXXX  for the check is XXXX this check was endorsed by synchrony and has their stamp on the back of it. Fast forward to XXXX and I am served a warrant in debt for this account. I provided all of the information to their attorneys who promptly dismissed the case. Summer of XXXX i was sued again for the same account in which they are alledging i owe them over XXXX dollars. Again, provided their attorney with the paperwork and case is dismissed without prejudice. Spring of XXXX I am served a warrant in debt again for the same account same amount. Theres a new attorney involved and I provide him with the paperwork, drops case without prejudice. After that I get in touch with synchrony via letter to dispute the debt and never receive a response. Two weeks ago, I am served AGAIN at which time their attorney informs me that my dispute isnt valid even though i have all of the correspondence to prove im correct. this case is scheduled to go to court on XX/XX/XXXX and as of late their attorney has pretty much cut me off with communication. I am ready to countersue them for damages just because this has become such a problem for me and my family.

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 2022-08-15 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: NC

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

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 2022-08-15 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: NC

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
Hello I was shopping for a vacation with wife and child I came across XXXX XXXX  thinking they had a bargain for flight tickets, I made a purchase than realized not so great of a savings. 

I canceled the purchase I was told I will get a refund I have an email confirmed the refund. Refund was given but than XXXX XXXX  made an unauthorized purchase on another airline on a different date. Once I realized that unauthorized purchase was made, I contact my credit card company Barclay master card had them investigate and cancel my credit card. XXXX XXXX  rebilled me and Credit Card company is complicated now and is not much help and should have never let the merchant rebill 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 2022-08-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc
State: OH

Complaint narrative:
Sent a letter to Medicredit Inc in XX/XX/2022 requesting validation of debt. I requested the following information : Verification that there is a valid basis for claiming I am required to pay the current amount owed. 

Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 

Please also note whether this debt is within the statute of limitations and how that was determined. 

Please also forward details about your authority to collect this debt ; whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and agency issuing the license, If you are contacting me from outside the state, provide the licensing information from your state as well. 

Medicredit sent me a letter about charges with my HIPAA information on the top but no letter of my release of that information as requested or any other information. As well as proceeded to continue to call and demand I pay this debt. I sent another letter in XXXX stating they violated my rights from failing to provide the necessary documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CarMax, Inc.
State: FL

Complaint narrative:
I saw my credit report and I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. Evaluate and investigate those account that is not 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ZuntaFi Corp
State: FL

Complaint narrative:
I saw my credit report and I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. Evaluate and investigate those account that is not 100 % accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I saw my credit report and I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. Evaluate and investigate those account that is not 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: OR

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-08-15 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: OR

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: OR

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
We closed my Saving account, so the company 's excuse that all of a sudden I need to activate a debit/ATM card, which is XXXX  and I never had to in the past is no longer an issue. I STILL can not access my account online because these XXXX XXXX XXXX XXXX changed their website AGAIN without notice. It is repeatedly asking me to activate a card that I do not have. This problem is not only affecting me as there are numerous similar complaints on the web for the same thing, only they are too XXXX  and XXXX  to resolve them, and until the CFPB investigates, regulates and fines this XXXX  bank, this XXXX  customer service will continue

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 2022-08-15 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: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
XX/XX/2022 - called reported a charge I did not recognize XX/XX/2022- the same company charged again at a higher amount ( {$450.00} ). I called was told the XXXX complaint it was in the wrong department and would now placed in fraud. 
XX/XX/2022 - I called again, the account was charged again the same higher amount ( {$450.00} ) with the same company that I reported in XXXX & XXXX. I was told it would be investigated but still the XXXX charge was in the wrong department. 
XX/XX/2022 - I sent a letter - no response XX/XX/2022 - I sent a letter and received a response that there was a credit of the two larger amounts to my card but the smaller amount of {$150.00} has yet to be taken off. 
XX/XX/2022 - I sent a third letter to ask the {$150.00} be removed and to close the account based on this back and forth and how the bank expects the consumer to DIY the statements, due dates, all acct management is shameful.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-15 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account, XXXX  OPENED XX/XX/XXXX, XXXX XXXX  OPENED XX/XX/XXXX, XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX SERVICE OPENED XX/XX/XXXX, XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX OPENED XXXX XXXX XXXX  ( XXXX ), XXXX XXXX XXXX OPENED XXXX XXXX XXXX  ( XXXX ), XXXX XXXX XXXX XXXX OPENED XXXX, XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX OPENED XX/XX/XXXX, XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account, XXXX  OPENED XX/XX/XXXX, XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX  OPENED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OPENED XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX OPENED XXXX, XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
Tried to call the company XXXX XXXX several times in the month of XXXX about them canceling my insurance and was told my insurance was paid and and was sent a bill. I was then told it was sent to collections for auto coverage I no longer had. 
XX/XX/XXXX Amount {$580.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX, I sent {$7900.00} to XXXX  for a used car. I sent the money via Chase Bank to a XXXX  XXXX XXXX Account number. 

I was told I had 10 days to inspect the car once shipped and my money was put into escrow so I could get my money back at any time. 

The communication has fully stopped and their website is no longer active. I read mutiple reviews about this being a legit company. 

I have screenshots and email records of all of this. 

My bank - Chase XXXX Bank XXXX XXXX  XXXX XXXX Name : XXXX Website : XXXXXXXXXXXXXXXXXXXX  Email : XXXX Name : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: SC

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX XXXX XXXXXXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, and XXXX XXXX XXXX Acct # XXXX have violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2, also states a consumer reporting agency can not furnish account details without my written instructions. I have not given any such instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: OH

Complaint narrative:
XXXX XXXX  | Account # XXXX | Balance : {$330.00} In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX | Account # XXXX Balance : {$690.00} | In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX | Account # XXXX | Balance : {$290.00} In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX | Account # XXXX | Balance : {$730.00} In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX | Account # XXXX | Balance : {$340.00} In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Erroneous credit score from all three credit bureaus, impacting ability to obtain credit, etc.

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