vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-05 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/2023 and XXXX XXXX XX/XX/202. I never gave written consent for a credit inquiry. Remove hard inquiry from the 3 credit bureaus XXXX, XXXX, and 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 2023-05-05 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: Informative Research
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/2023 and Informative Research XX/XX/202. I never gave written consent for a credit inquiry. Remove hard inquiry from the 3 credit bureaus XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: Financiera Campeon, LLC dba Champion Equipment Finance
State: FL

Complaint narrative:
I pulled my credit and I noticed a fraudulent inquiry, that I did not approve of, nor consent to. The company that pulled my account is XXXX XXXX XXXX. I gave them no authorization or consent to pull my credit on XX/XX/23. I would like to have this removed, because they are violating my rights by law. I have contacted XXXX, and I have also contacted XXXX XXXX XXXX. I have received no response from neither. Please handle this matter as soon as possible. Please delete or remove this from my account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
On XX/XX/XXXX I used my Synchrony XXXX XXXX XXXX acct ending in XXXX to put a down payment of {$1500.00} on a condo for rent for the following year. In XX/XX/XXXX I had to cancel that reservation and the company XXXX XXXX had a policy to only credit the bankcard which was used to make the original payment. Id informed them that the account was no longer in service since XXXX XXXX had changed from Synchrony Bank to using XXXX and that a new card/account was created ( XXXX ending XXXX XXXX with XXXX ) XXXX XXXX XXXX insisted that was the way they had to do it and on XX/XX/XXXX made a credit to the XXXX acct ending in XXXX to Synchrony Bank of {$1300.00}. To this day I have not received that money and having called both Synchrony and XXXX on several occasions, I have gotten the run around and claims by your employees that no such account has ever existed. As you can see from the attachments/enclosures there actually was a XXXX XXXXXXXX XXXX account with Synchrony ending in XXXX which was billed on XX/XX/XXXX for the deposit to Midnight Cove. I paid the credit card bill in full ( {$2200.00} ) on XX/XX/XXXX from my personal checking account via an electronic payment ending in XXXX. I am asking that you reimburse me the money that was credited to your bank by XXXX XXXX on XX/XX/XXXX in the amount of {$1300.00} with direct deposit or bank check as soon as possible. It has now been over 60 days since the credit was made by XXXX XXXX bank and I have seen nothing and no one from your institution is willing to help me remedy this. 
You may speak with the XXXX XXXX, XXXX, at XXXX XXXX at XXXX who can attest to the fact that the account ending in XXXX was indeed credited the money in the amount of {$1300.00} on XX/XX/XXXX. You may reach me at ( XXXX ) XXXX to update me on the status of this request. I look forward to your forthcoming reply. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 2023-05-05 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: NC

Complaint narrative:
In accordance with the Fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are fraudulent XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX DEPT OF EDUCATIONXXXX Account Has violated my rights 15 U.S.C. 1681 section 602 A states I have the right to privacy. 15 U.S.C. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions 15 U.S.C 1681c. ( A ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2023-05-05 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: EQUIFAX, INC.
State: OH

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$8600.00} XXXX XXXX Balance : {$19000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Thaxton Investment Corporation
State: TX

Complaint narrative:
In XXXX of XXXX, someone fraudulently applied for and received a loan from Covington Credit using my information. I didn't find out about this until the middle of XXXX. I asked for and received an affidavit from Covington Credit to dispute the loan. I filled out the paperwork and took it to Covington  Credit after receiving it. I was told I could not use the paperwork because I wasn't supposed to sign it without a witness. I asked for another set of paperwork and it was supposedly sent on XX/XX/XXXX. It took me until XXXX to finally receive a new set of paperwork after repeated attempts since XXXX to get a new set. After finally receiving the paperwork, I mailed it back after I completed it except for needing to notarize one particular form, which was not clear to me because the way the form was presented seemed it needed **either** a police officer 's witnessed signature or notary 's signature, rather than both. They sent me a new copy of the form which I managed to have notarized the way they required, and sent that form back to them in midXXXX. I have not received any mail from Covington Credit since then, and the fraudulently-obtained loan remains on my credit. 

I request that CFPB investigate this - not only the fraud but the incompetence of Covington  Credit in getting it resolved. The final result I expect from Covington Credit is a letter stating that I am not responsible and the loan is removed from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I closed a credit card with American Express in XX/XX/XXXX after they upgraded my card to a type I didnt agree on. 

The balance was {$0.00} and had XXXX pending items when I closed this account. 

In XX/XX/XXXX. They had reported that my balance was {$1.00} and that I am past due. 
This is incorrect as my balance was 0 and the account was closed American Express has never sent me anything for this account. My login is inactive and when I call them and provide them with the account they say my balance is {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: TX

Complaint narrative:
I have sent 12 letters of formal complaints via certified mail to Experian and XXXX regarding the reporting of inquiries on my credit report that are not of factual record. I have discovered that the only permissible purposes for pulling someones credit are : 1 ) A firm offer of personal credit 2 ) Insurance 3 ) Employment 4 ) Court Order

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 2023-05-05 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: GA

Complaint narrative:
Unidentified accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: GA

Complaint narrative:
Unidentified accounts on my credit report.

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 2023-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I just have received a Debt Collection letter from the company called MIDLAND CREDIT MANAGEMENT, they said I owned {$1500.00} for XXXX XXXX and I will be suited if I do not paid in full by XX/XX/. However, I received this letter was on Tuesday which was XXXX 

The most important thing is, I do not identify this amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05 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: Waypoint Resource Group, LLC
State: IL

Complaint narrative:
During the time of my incarceration someone stole my identity. They have the wrong birth year on XXXX credit report and addresses. I have 4 accounts, XXXX XXXX XXXX  {$590.00} on XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  account I never approved or asked to be added to on XX/XX/XXXX and also XXXX XXXX XXXX  {$720.00} on XXXX XXXX XXXX XXXX  on XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX  Can you please investigate and remove from the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: Self Financial Inc.
State: IL

Complaint narrative:
During the time of my XXXX  someone stole my identity. They have the wrong birth year on XXXX credit report and addresses. I have 4 accounts, XXXX XXXX XXXX {$590.00} on XXXX XXXX XXXX XXXX XXXX XXXX XXXX account I never approved or asked to be added to on XX/XX/XXXX and also Self financial /lead {$720.00} on XXXX XXXX XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX  on XXXX  Can you please investigate and remove from the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX XXXX XXXX XXXX I ordered XXXX boxes of wall panels from XXXX XXXX XXXX for my home office improvement using my Citi Premier credit card, worth {$810.00} total. On that same day, the Merchant XXXX XXXX XXXX XXXX ) sent me XXXX separated automated emails, XXXX email contained my order information and XXXX email contained XXXX tracking numbers XXXX there are 5 XXXX  tracking numbers XXXX so Id assume each XXXX  tracking number is for each box of the wood panels ) From XXXX XXXX XXXX XXXX XXXX XXXX  - Ive been keeping an eye on the XXXX  tracking numbers XXXX but two days, three days, four days later, the tracking numbers never get updated. They still show The delivery date will be provided as soon as possible. I grew concerned whether Im buying products from a legit business or not. So I emailed the Merchant asking for my order status, but no response. I sent a messenger to the Merchants XXXX for which I first learnt about their products advertisement, still no response. 

On XX/XX/ - I filed a dispute with my Cit Premier credit card, because ( 1 ) the XXXX tracking numbers were still showing The delivery date will be provided as soon as possible. in fact, the XXXX tracking numbers still show this same message as of this writing and ( 2 ) there were no response to my inquiries from the Merchant. I also sent an email to the Merchant requesting to cancel my order and get my refund back, stating my concerns above. 

On XX/XX/XXXX XXXX XXXX  - the Merchant, for the first time, replied back to my email saying that my order was being shipped via XXXX but provided no XXXX  tracking number. I replied to the email and again requested to cancel my order. 

On XXXX XXXX XXXX XXXX XXXX  delivered SOMETHING to me, but since I dont have or expect any XXXX tracking number from the Merchant I refused to accept the delivery and asked the XXXX to return whatever in the package back to the sender. 

Fast forward, on XXXX XXXX XXXX  after Citi card refused to refund my money back. I called both XXXX and the Merchant. The XXXX told me ( on the phone ) that the shipper ( aka the Merchant ) instructed them to return the product to somewhere in New Jersey. But the Merchant told me ( on the phone ) that the XXXX should return the product to their business address in XXXX, California. Then the Merchant told me that they would file a claim against XXXX. However, this is none of my business, my business is to get the refund back. 

Today ( XX/XX/ -- after 5 months long ) the Citi Premier card still keep refusing to refund {$810.00} back to me, citing that they have exhausted their investigation and also stated that the Merchant bank refused to refund the money back.

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 2023-05-05 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 — Problem with personal statement of dispute
Company: Early Warning Services, LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX have wrongly reported a write off negative balance of XXXX dollars for a dispute being raised for a debit card purchase. Despite of reaching discover via XXXX complains and also to correct wrong XXXX XXXX report XXXX is asking to pay that XXXX dollars despite of non receiving of the product and are not willing to sort this despite of multiple conversations and follow ups. And to make it even more worse XXXX has not even furnished a detailed investigation report of on what grounds the credits for the dispute were reverted back. So this needs to be escalated and would like to give one last chance to XXXX to sort this out. Lets see

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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 — Problem with personal statement of dispute
Company: Fidelity National Information Services, Inc. (FNIS)
State: AZ

Complaint narrative:
XXXX XXXX XXXX have wrongly reported a write off negative balance of XXXX dollars for a dispute being raised for a debit card purchase. Despite of reaching XXXX via XXXX complains and also to correct wrong XXXX XXXX report XXXX is asking to pay that XXXX dollars despite of non receiving of the product and are not willing to sort this despite of multiple conversations and follow ups. And to make it even more worse XXXX has not even furnished a detailed investigation report of on what grounds the credits for the dispute were reverted back. So this needs to be escalated and would like to give XXXX last chance to XXXX to sort this out. Lets see

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 2023-05-05 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: FL

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 15 USC 1681. 

XXXX XXXX XXXX  ACCOUNT # XXXX ; XXXX XXXX  ACCOUNT # XXXX & # XXXX XXXX XXXX XXXX  ACCOUNT # XXXX ; XXXX XXXX XXXX ACCOUNT XXXX XXXX & # XXXX XXXX XXXX XXXX ACCOUNT # XXXX ; XXXX : ACCOUNT # XXXX ; 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 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 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 2023-05-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX Bank Of America closed my checking and savings account out of nowhere and have been holding my money since that day. my rent and utilities are over due because they wont release my funds to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-05 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: FL

Complaint narrative:
I pulled my credit and I noticed a fraudulent inquiry, that I did not approve of, nor consent to. The company that pulled my account is XXXX XXXX XXXX. I gave them no authorization or consent to pull my credit on XX/XX/23. I would like to have this removed, because they are violating my rights by law. I have contacted Transunion, and I have also contacted XXXX XXXX XXXX. I have received no response from neither. Please handle this matter as soon as possible. Please delete or remove this from my account.

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 2023-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
When trying to resolve the supposed amount owed with gym trainer at XXXX fitness, I asked for a copy of contract agreed upon having stated I refused to pay him after him mistreating my son whom was using the sessions purchased too. I paid for sessions already used only, and refused to pay any further sessions not used. The gym trainer nor manager would provide me with proof a written contract of debt owed, and instead sent me to collections for a bogus amount charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: MN

Complaint narrative:
I closed a credit card with XXXX XXXX in XXXX XXXX   after they upgraded my card to a type I didnt agree on. 

The balance was {$0.00} and had XXXX pending items when I closed this account. 

In XX/XX/XXXX. They had reported that my balance was {$1.00} and that I am past due. 
This is incorrect as my balance was XXXX and the account was closed XXXX XXXX has never sent me anything for this account. My login is inactive and when I call them and provide them with the account they say my balance is {$0.00}.

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