vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
credit cards from this company are less that 14 days to return the payment. since they have to be mailed you are always missing the date and getting more fees added to the card.

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 2024-11-13 00:00:00
Product: Credit card — Store credit 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: IL

Complaint narrative:
To Whom It May Concern : I am submitting a formal complaint regarding Amazon Synchrony Banks handling of a refund for a returned item. The refund in question is for {$36.00}, which was initially promised after I paid off my Amazon Synchrony credit card balance. 

Timeline of Events : Initial Outreach : On XX/XX/year>, I received an email confirmation from Synchrony Bank ( attached for reference ) stating that I would receive a refund check of {$36.00} within 7-15 business days. This timeline set the expected arrival of the check around XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ) : I called Synchrony Bank for an update since the check had not arrived. I spoke with an agent named XXXX, who advised me to wait until XX/XX/year>, and assured me an update would be provided by then. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) : I followed up with a call after not receiving the refund check. During this conversation, I spoke with an agent named XXXX, who was extremely unprofessional. He contradicted the information given by XXXX and insinuated that I had misheard the previous representatives. XXXX informed me that the refund check would take an additional 2-3 business weeks to arrive, pushing the expected date into XXXX. 

I have attached the email confirmation received from Synchrony Bank on XX/XX/year>, stating the expected delivery timeframe of 7-15 business days. 
Despite this confirmation, the check has not been received, and I have been provided with inconsistent and conflicting information by multiple representatives. 

Thank you for taking the time to look into this matter.

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 2024-11-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
VALIDATION AND CEASE AND DESIST Re : Name : Midland Credit Management Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Mi XXXX Account # : XXXX Dear who may concern, I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 

PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. 

Thank you for your immediate cooperation. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: NV

Complaint narrative:
There is a XXXX account reporting on my credit file fraudulently I want this account removed and suppressed immediately I have provided experian with a copy of the identify theft affidavit by uploading and mailing it in. Experian refuses to remove the account and denied that I have sent them anything. Experian has also blocked me and placed me on written correspondancd only. I have honored their requests multiple times and have sent information via mail and upload and experian doesnt process these requests and lie and say they never got it. 

The XXXXXXXX XXXX Date opened XX/XX/scrub>XXXX  Credit limit {$23000.00} is a fraudulent account! Remove it off my credit file immediately!!! DO NOT place a fraud alert. I want this account suppressed. I have attached a fraud affidavit as well

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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: AL

Complaint narrative:
late payments on vehicle that was total loss XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which I bought through companXXXX XXXX XXXX XXXX XXXX XXXX has not paid remaining balance Now I have late payment on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: NY

Complaint narrative:
I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: FL

Complaint narrative:
Tonight, I was stunned to discover accounts on my credit report that simply dont belong there, and I dont understand why theyre showing up. I check my report regularly, so seeing these inaccuracies was completely unexpected. I tried refreshing the browser, thinking it was a display issue, but the errors stayed. XXXX therefore asking that my documents be fully reviewed to prevent this from happening 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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

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 XXXX please 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 XXXX XXXX XXXX XXXX XXXX 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 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 2024-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Subject : Request for Assistance with Denied Credit Applications To Whom It May Concern, I am writing to file a complaint regarding recent credit application XX/XX/year>, denials for both personal and business credit accounts from XXXX XXXX, Chase Banking and XXXX XXXX. These companies sent me denial letters referencing unspecified information from credit reporting agencies but failed to provide specific reasons for the denial. 

Under the Equal Credit Opportunity Act ( ECOA ) ( 15 U.S. Code 1691 ), I am entitled to a clear explanation of any adverse credit decision. The ECOA mandates that lenders provide specific reasons for credit denials in a manner that is clear and detailed. 

Additionally, the Fair Credit Reporting Act ( FCRA ) ( 15 U.S. Code 1681 ) provides me with the right to know the exact information that led to this decision, including specific details from the credit reporting agencies that the lender used. Under the FCRA, I am entitled to request and receive a free copy of my credit report from the credit bureaus if my application was denied based on the information they provided. Furthermore, I am entitled to accurate, specific reasons rather than vague explanations. 

To further understand the basis for these denials, I request assistance in ensuring that XXXX XXXX and XXXX XXXX provide me with the specific reasons and details for the decisions, in compliance with both ECOA and FCRA requirements. 

Thank you for your time and assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: CA

Complaint narrative:
I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 

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 2024-11-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
Gemini XXXX XXXX has unexpectedly restricted me from withdrawing my available funds without providing any explanation. Although my account is fully verified and enabled for transactions, I received an error stating that a review is required before the withdrawal can be processed. I have followed all troubleshooting steps from XXXX website, but the issue remains unresolved. My attempts to reach support have been unsuccessful, as I have been unable to contact a live representative, and multiple support requests have gone unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AmeriHome Mortgage Company, LLC
State: MI

Complaint narrative:
Amerihome Mortgage sold my mortgage to XXXX XXXX  when we were refinancing. That missed payment was made to XXXX XXXX. Then when the refinance went through, my payment continued through Amerihome. 2 weeks later I received a check back from XXXX XXXX, saying my mortgage has been SOLD. I called Amerihome and the representative said I was up to date with payments. Please listen to your recorded calls. This needs to be deleted or I will have to take further steps. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc.
State: LA

Complaint narrative:
This company continues to re-age and manipulate my credit report to hurt my score. Attempts to get them to fix this has failed. They tried to sue me and i answered the argument and requested a settlement and never heard back from them. Most recently they added a fake account to my credit report that looked like it was reporting accurately and secretly added a random late payment on the account that has been charged off since XXXX of XXXX. XXXX not sure how they did this but it was actually hidden in all of my reports. thankfully i have a myfico account and it was showing that somewhere i had a recent late payment. i contacted the credit bureaus and found it hidden in the original account that they had been reporting as a charge off. This has caused me to miss out on a good mortgage rate that i am currently applying for and XXXX cost me thousands in interest over the life of my mortgage. every time i get them to fix something, they add something worse and continue to tank my score. XXXX no the only person this has happened to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: AZ

Complaint narrative:
I am asking for your assistance regarding the incorrect account on my credit report. This issue has hurt my reputation as a customer, and I need your support. I want these accounts removed because they are being reported inaccurately and have a negative impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time, The consumer reporting agencies need to report all information with complete accuracy this account has not been late on payments vie attached a copy of my report to this complaint on the following dates XXXX XXXX XXXX. I'm now requesting you investigate these account and update these payments to paid on time immediately. thank you for your understanding and prompt action

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 2024-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time, The consumer reporting agencies need to report all information with complete accuracy this account has not been late on payments vie attached a copy of my report to this complaint on the following dates XXXX XXXX XXXX. I'm now requesting you investigate these account and update these payments to paid on time immediately. thank you for your understanding and prompt action

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 2024-11-13 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time, The consumer reporting agencies need to report all information with complete accuracy this account has not been late on payments vie attached a copy of my report to this complaint on the following dates XXXX XXXX XXXX. I'm now requesting you investigate these account and update these payments to paid on time immediately. thank you for your understanding and prompt action

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Ive been charged multiple times by navy federal credit union XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am formally disputing the inclusion of an accounts on my personal credit report, as it violates consumer protection laws. 

These are a business accounts, not personally guaranteed by me, and should not appear on my personal credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Only accounts for which a consumer is personally liable should be reported. Listing these accounts as a personal obligation is both inaccurate and unlawful under the FCRA and other consumer protection laws. 
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 2024-11-13 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: NY

Complaint narrative:
I am formally disputing the inclusion of an accounts on my personal credit report, as it violates consumer protection laws.

These are a business accounts, not personally guaranteed by me, and should not appear on my personal credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Only accounts for which a consumer is personally liable should be reported. Listing these accounts as a personal obligation is both inaccurate and unlawful under the FCRA and other consumer protection laws. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted the bureau and the representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.

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 2024-11-13 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
this credit inquiriy was unauthorized and fraudulent. Please remove from my credit report. XXXXXXXX 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 explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with 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 explanation
Consumer complaint received 2024-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX an account XXXX XXXX XXXX was opened fraudulently in my name without my consent.I did not give authorization to furnish my information for this account. 

On XX/XX/XXXX a hard inquiry for XXXX XXXX XXXX  was made in my name on my credit report fraudulently without my consent. I did not give authorization to furnish my information for this inquiry. 

On XX/XX/XXXX a hard inquiry for XXXX was made in my name on my credit report fraudulently without my consent. I did not give authorization to furnish my information for this inquiry. 

On XX/XX/XXXX a hard inquiry for XXXX was made in my name on my credit report fraudulently without my consent. I did not give authorization to furnish my information for this inquiry. 

On XX/XX/XXXX a hard inquiry for XXXX  XXXX XXXX was made in my name on my credit report fraudulently without my consent. I did not give authorization to furnish my information for this inquiry.

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