vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-16 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I submitted a complaint that synchrony responded with a lie and keep stealing my money. 
this is my original complaint : on XX/XX/XXXX the company claim to have sent me a refund check for XXXX $ I never receive that check since then they keep asking to wait that something will arrive. They proceed to close my account without any balance of negatives just to not refund me. 

this is the answer I receive Dear XXXX XXXX : On behalf of Synchrony Bank, I am responding to your concerns raised through the Consumer Financial Protection Bureau ( CFPB ). I appreciate you bringing this matter to my attention. 
I sincerely regret any dissatisfaction this matter may have caused you. Your concerns are important to us, and we strive to serve our customers in a timely and satisfactory manner. 
A credit balance refund check of {$1000.00} was mailed to you on XX/XX/2022, I regard to your PayPalTM Extras Mastercard. Due to you not receiving the refund check sent on XX/XX/2022, a stop payment was done and a new check issued on XX/XX/2022. The check was cashed on XX/XX/2022. A copy of the cashed check has been enclosed for your review. 
Compliance is very important to Synchrony Bank. Per the terms of your account agreements, we may close your accounts at any time. 


Nothing here was true. 
XXXX XX/XX/XXXX after an enormous amount of call a synchrony associate told me he's going to send me another check. Then HE PROCEED TO CHARGE ME ANOTHER XXXX $ and sent me the check for this, completely ignoring my original charge in XXXX. I receive a refund check for XXXX while my original charge in XXXX was for XXXX. They charge me 2 two times for 2 refund check and sent only one. the same associate asked me to add another address to my account because they were not able to send me a check initially. I added my OWN BUSINESS ADDRESS.

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 2022-12-16 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
In accordance with the fair credit reporting act Account Name : ALLY FINANCIAL Account # XXXX / Account Name : XXXX XXXX XXXX XXXX Account # XXXX has violented my rights. 

15 USC 1681 Section 602 states I have right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without a 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 payment.

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 2022-12-16 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: LEXISNEXIS
State: OH

Complaint narrative:
LexixNexis searched for negative information pertaining to me, which is an invasion of my rights to privacy. This company did not have permissible purpose or my written consent to search for negative information pertaining to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
IN XX/XX/2022 I PULLED MY CREDIT REPORT AND IMMEDIATELY NOTICED INACCUARTE INFORMATION AND LATE PAYMENTS AND LATE PAYMENT ACCOUNTS BEING REPORTED ON MY CREDIT REPORT FROM EXPERIAN. I REACHED OUT TO EXPERIAN THAT SAME MONTH TO LET THEM KNOW OF THE INACCUARTE INFORMATION AND TO HAVE IT FIXED IMMEDIATELY. IT WAS CAUSING A GREAT DEAL OF XXXX AND XXXX XXXX AS A SINGLE MOM. I FIRST REACHED OUT TO EXPERIAN BACK IN XXXX OF XXXX VIA TELEPHONE TO LET THEM KNOW WHAT I HAVE DISCOVERED. EXPERIAN THEN PROCEEDED TO TELL ME THEY WOULD OPEN AN INVISTIGATION TO GET THE ISSUE RESOLVED. TO SEND IN SOME SUPPORTING DOCUMENTS TO BACK UP MY CLAIMS WHICH I DID. EXPERIAN WAS THEN ABLE TO REMOVE ACCOUNTS THAT DID NOT BELONG TO ME HOWEVER EXPERIAN HAS FAILED TO UPDATE MY CREDIT REPORT ENITRELY DUE TO THE FACT THERE IS STILL LATE PAYMENT ACCOUNTS ON MY CREDIT REPORT. THERE IS ALSO LATE PAYMENTS BEING REPORTED. ALONG WITH XXXX HARD INQUIRES THAT IS ALSO AFFECTING MY CREDIT SCORE. WHICH I HAVE EXPRESSED TO EXPERIAN NUMEROUS OF TIMES VIA PHONE AND THROUGH CERTIFIED MAIL THAT THE INFORMATION WAS INACCURATE AND TO PROVIDE SOME SUPPORTING DOCUMENTS TO VALIDATE WHAT WAS BEING REPORTED. HOWEVER, EXPERIAN HAS FAILED TO DO SO.

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 2022-12-16 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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX 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 2022-12-16 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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX 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 2022-12-16 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: NY

Complaint narrative:
Experian is showing improper use of credit. 
displaying in correct paid closed accounts. negatively which is violating the following bcc laws 604 u.s code 1681 b section 605 a 15 u.s code 1681 c-1 section 605 b 15 u.s code 1681 c-2

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 2022-12-16 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:
I noticed a credit card account from XXXX XXXX XXXXXXXX on my credit report with an address that I do not now nor have ever lived at. I filed a complaint with Experian report number XXXX on XX/XX/2022XXXX XXXX XXXX XXXXXXXX response was that they were reporting accurate information, which is absurd since the address on the account is in Massachusetts and I live in Ohio. I filed another complaint through Experian report XXXX XXXX on XX/XX/2022 and received the same result. On XX/XX/2022, I called XXXX XXXX XXXXXXXX directly and after being on hold for an inordinate amount of time, spoke to a representative who had no clue how to resolve this and ultimately cut me off the phone line. I did not open this account and I have never lived in Massachusetts and there is no reason that this account remains on my credit report other than the incompetence of XXXX XXXX XXXXXXXX. I would appreciate any assistance you can give 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 2022-12-16 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: MS

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the Child Support court as the furnisher that's forgery and misleading when the courts don't report this type of account 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 instructions15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I received a copy of my credit report. I have 2 unauthorized inquiries on my report. XXXX from ( XXXX XXXX XXXX ) on XX/XX/2021 and one from ( CAP1/SAKS FIFTH AVEN XXXX XXXX XX/XX/2021. I did not make these inquiries. I am a victim of fraud, and will like to get these inquiries removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Hello, My name is XXXX XXXX. I am reaching out to you because of my auto loan account that has now been an issue for over a month. 

I paid my car payment in the amount of {$540.00} on XX/XX/2022, and it was posted to my bank account on XX/XX/2022. It shows that the payment was reversed in Chase bank system on XX/XX/XXXX for reasons unknown. It was not refunded to my bank account and is now showing that I am late on my payment. I have attempted to speak with the customer service team multiple times and I have been given the runaround way too many times. I have sent them copies of my bank account. My bank has sent them copies of my account showing that it was never refunded to my account. We were told on XX/XX/XXXX that this should have been taken care of and it is still not. 

I'm hoping that by reaching out to you this could be resolved quickly. I've never been late or missed a payment and don't want this to effect my credit. I can't afford to make double payment if that is what is needed. It is the holiday season and my family is struggling enough as it is. 

I appreciate your time and assistance with this matter. Please reach out to me if you have any questions or need additional information. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
On XX/XX/22 I opened a bank account with XXXX XXXX. On the same day I used Zelle to transfer {$1000.00} from my personal checking with XXXX XXXX to the XXXX XXXX account. From XX/XX/22 to XX/XX/22 my account was barely used for little things like paying for my mobile game transactions, XXXX subscriptions, and XXXX XXXX to enjoy some cash back rewards as advertised for this bank account. On XXXX something happened between XXXX XXXX and Zelle where they struck a new user agreement which flagged numerous accounts as being Fraudulent. This effectively put a freeze on my ability to use Zelle with my primary phone number and email address. After waiting a month hoping this issue would resolve itself I proceeded to close my XXXX XXXX account on XX/XX/22 thinking this would fix the problem. 

The problem still persisted, so I contacted XXXX XXXX and had them remove my phone number from the closed account on XX/XX/22 as advised by a Zelle customer service representative. Early Warning Services LLC known as Zelle still refused to release the freeze on my phone number even after being contacted in a conference call on XX/XX/22 with a XXXX XXXX account telling them my phone number was released and in good standing within XXXX XXXX  system. That same date my closed bank account was unenrolled with Zelle and they sent a confirmation email to Early Warning Services LLC.

My last contact with Early Warning Services LLC known as Zelle was on XX/XX/22 escalating the phone call to a second supervisor in hopes this matter could be resolved because I should not be bound by this XXXX user service agreement after being unenrolled with a closed XXXX XXXX account. They told me there was nothing they could do that my account is flagged as fraudulent in their systems. This means that Early Warning Services LLC known as Zelle has improperly reported information in their system and refuses to correct it. So now I am writing here to hopefully get this matter resolved formally for myself and many others who are in this situation due to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: IA

Complaint narrative:
Hello US BANK, this is XXXX and Im writing about my US BANK account I recently opened, my online ID IS locked and I literally just set it up on the XX/XX/XXXX. There is only {$25.00} in the account from my initial deposit, not sure whats going on with my account but I cant use it. 

Thank you - 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 2022-12-16 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: MS

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2022-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I DONT KNOW THIS ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: ID

Complaint narrative:
Have mailed and tried calling the company to get more info on why this debt is owed. I've attached proof and info that is needed in this complaint. Never got the response from them after I sent certified mail. Filed a complaint case number XXXX and they wanted to see my credit report with it on there for proof.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

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 purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
On XX/XX/2022 i file a dispute with CONVERGENT OUTSOURCING for {$900.00}. I explained to them that it was not me and i didnt open this account. member denied my dispute after i provide to them i didn't open the account. i never had XXXX until 2022 and i still have that account. this is a old account and it was open by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: MS

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2022-12-16 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: CA

Complaint narrative:
XXXXDEPT OF ED account XXXX In accordance with the Fair Credit Reporting act 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 15 U.S.C 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 explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
We purchased XXXX Amex Gift cards directly from Amex on XX/XX/XXXX order number XXXX. We lost 3 of the cards. One card with a balance of {$2800.00} card number ending in XXXX, the 2nd card lost had a balance {$500.00} card number ending in XXXX and a third card with a balance of {$390.00} card number ending in XXXX. We have called the card company 2-3 times a month ( average an hour on the phone each call ) since XX/XX/XXXX and still have not received replacement cards. On XX/XX/XXXX I sent them copies of my drivers license, utility bills and proof of purchase and I was told many times that the replacement cards were being sent to me and none have ever showed up. I also called AMEX direct and they supposedly escalated with the gift card company they use named XXXX but still haven't heard back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have five cards with Comenity bank. Within two months, I noticed that Comenity was not reporting payments and balance history. I called Comenity, and they were having problems wiith their new software. Another month went by, no updates from Comenity bank. I had to put in a disputes with XXXX. In the month, Comenity updated my credit. 

Even though Comenity cant report my credit on a timely manner, they can ran a credit report. They sent me a letter said that has gotten worse. They reduced Victoria Secret and my Torrid by {$50.00}. 
A hurricane came into Florida, I had to handle things after storm. Because I did not pay XXXX XXXX credit s payment on time, they dropped my credit by {$100.00}.

Company response to consumer: Closed with monetary relief