vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-20 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: OH

Complaint narrative:
I made a purchase of a custom ring on XX/XX/XXXX, for {$860.00} which to this day I have not received. While dealing with the seller, at one point XX/XX/XXXX he sent me cheap ring as a gift for being patient while continuing to wait on the custom ring I ordered. After multiple promises to send, and my having not received, I tried to cancel with him which he refused, so I went to paypal to dispute it on my card. Initially, the charge was reversed, But it then was charged back to me, as he had apparently provided the shipping info for the gift he provided, on XX/XX/XXXX, and the dispute department did not look at the date of it, versus the XXXX emails of the continued promises to send the custom ring. So I had the dispute reopened, and resent copies of the emails between the seller and myself, where he clearly says he had not sent it, and at one point states he returned it to the manufacturer.XXXX, I came out of a meeting to a voicemail from a woman named XXXX, who states she is a senior account manager, and declining my refund due to it being a custom ring. I am well aware I ordered a custom ring, as that is what I wanted, but I NEVER RECIEVED IT, and have sent more than sufficient evidence of this. When I attempted to return her call, I am told I can not speak to anyone in that department, and can only reopen a dispute once this one is closed, which can take another 60 days to resolve. If I had received it, I would have already paid this off, which I'm sure can be seen by my account history, but feel it is not right to pay for something I can prove, and have proved to have never received. And to have now been spending this extensive amount of time fighting seems ridiculous. As of today, XX/XX/XXXX, it is now reflecting on my credit report stating I am disputing despite resolution, although it has not been resolved. I have still not received the ring, which I can prove through the emails, and am still being charged for it.

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 2024-11-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: VA

Complaint narrative:
On XX/XX/year> we contacted Jefferson capital debt collector to resolve this. We paid {$370.00} to XXXX company  for payment. The company said, if this is not removed, we will charge you {$90.00} a month to dispute our information until it's removed. After 3 months, I continued to contact asking why it had not been reported to original creditor as paid or to the credit bureaus. The company then said, " We never received the payment, so you need to pay us {$370.00}. '' I showed proof of payment through bank, company continued to deny this. 
On XX/XX/XXXX, Jefferson capital refunded {$370.00} to our account even though the said they never received payment. After that, Jefferson Capital sent a letter stating that they were no longer going after this collection. All this was my wife 's situation that she fought Jefferson Capital about. 
Two months later Jefferson Capital changed the amount and attached it to my account, I was never on her account. 
My wife and I have attempted numerous times to prove to them that they are Fraudulently going after me but all the representatives do is hang up on us, refuse to put a Supervisor on. 
We are not the only ones being affected by this Fraudulent company. 
If you read the reviews on them, you will see this company, Jefferson Capital is doing this to a lot more people. 
This company needs to be investigated and the people they are trying to go after should have ALL DEBTS REMOVED FROM THE CREDIT BUREAUS. THEY ARE DESTROYING PEOPLE 'S LIVES AND TAKING THEIR MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: CA

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach, which has resulted in the unauthorized use of my personal information. Several accounts and inquiries have been fraudulently added to my credit report. As these accounts and inquiries are not authorized by me, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to request that all associated accounts and inquiries be immediately blocked and permanently deleted from my credit file. 
Below are the details of the fraudulent accounts and inquiries that I have identified : Fraudulent Accounts : XXXX. XXXX  o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX  o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX XXXXXXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXXXXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} Unauthorized Inquiries : XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX o Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ID Analytics, Inc.
State: FL

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : personal information : name : XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX Former : XXXX XXXX Current Address ( es ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX late payment XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$58000.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} collection/charge off XXXX XXXXXXXX XX/XX/XXXX {$450.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX {$0.00} inquiries : XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am writing to dispute the accuracy of the information regarding this account on my credit report. The balance and charge-off status reported are incorrect, as this account was fully resolved in the past. This misinformation is unjustly impacting my creditworthiness. I kindly request a prompt investigation into this matter and an update to my credit report to remove this inaccurate entry. Please notify me once the correction has been made, as it is essential that my credit report accurately represent my financial history. Thank you for addressing this issue promptly.

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 2024-11-19 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: LA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I am disputing the accuracy of this account as it appears on my credit report. The balance and charge-off status reported are incorrect, as the account was fully resolved previously. This erroneous information is negatively affecting my creditworthiness, and I am requesting an immediate investigation. Please update my credit report to remove this inaccurate entry and notify me once the correction has been made. It is critical that my credit report accurately reflects my financial history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: GA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit file. As a victim of a data breach, these items were fraudulently opened or accessed without my authorization. 
Fraudulent Accounts XXXX. XXXX XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$0.00} ) XXXX. XXXX  XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$0.00} ) XXXX. XXXX XXXX XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$1700.00} ) XXXX. XXXX  XXXX ( Account XXXX : XXXX, Open Date : XX/XX/XXXX, XXXX : {$5500.00} ) XXXX. XXXX XXXX ( Account XXXX : XXXX, Open Date : XX/XX/XXXX, XXXX : {$3700.00} ) XXXX. XXXX XXXX ( Account XXXX : XXXX, Open Date : XX/XX/XXXX, XXXX : {$820.00} ) XXXX. XXXX  XXXX ( Account XXXX : XXXX, Open Date : XX/XX/XXXX, XXXX : {$7300.00} ) XXXX. XXXX XXXX ( Account XXXX : XXXX, Open Date : XX/XX/XXXX, XXXX : {$1700.00} ) XXXX. XXXX ( Account XXXX : XXXX, Open Date : XX/XX/XXXX, XXXX : {$160.00} ) XXXX. XXXX XXXX  XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$1500.00} ) XXXX. XXXX ( Account XXXX : XXXX, Open Date : XX/XX/XXXX, XXXX : {$2300.00} ) XXXX. XXXX XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$2700.00} ) Fraudulent Inquiries XXXX. XXXX  ( Date : XX/XX/XXXX ) XXXX. XXXX ( Date : XX/XX/XXXX ) XXXX. XXXXXXXX XXXX XXXXXXXX ( Date : XX/XX/XXXX ) XXXX. XXXX  ( Date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXXXXXX ( Date : XX/XX/XXXX ) XXXX. XXXX  ( Date : XX/XX/XXXX ) XXXX. XXXX  ( Date : XX/XX/XXXX ) XXXX. XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX ( Date : XX/XX/XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: GA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit file. As a victim of a data breach, these items were fraudulently opened or accessed without my authorization. 
Fraudulent Accounts XXXX. UXXXX XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$0.00} ) XXXX. XXXX  XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$0.00} ) XXXX. XXXX XXXX XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$1700.00} ) XXXX. XXXX  XXXX ( Account XXXX : XXXX, Open Date : XX/XX/XXXX, XXXX : {$5500.00} ) XXXX. XXXX XXXX ( Account XXXX : XXXX, Open Date : XX/XX/XXXX, XXXX : {$3700.00} ) XXXX. XXXX XXXX ( Account XXXX : XXXX, Open Date : XX/XX/XXXX, XXXX : {$820.00} ) XXXX. XXXX  XXXX ( Account XXXX : XXXX, Open Date : XX/XX/XXXX, XXXX : {$7300.00} ) XXXX. XXXX XXXX ( Account XXXX : XXXX, Open Date : XX/XX/XXXX, XXXX : {$1700.00} ) XXXX. XXXX ( Account XXXX : XXXX, Open Date : XX/XX/XXXX, XXXX : {$160.00} ) XXXX. XXXX XXXX  XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$1500.00} ) XXXX. XXXX ( Account XXXX : XXXX, Open Date : XX/XX/XXXX, XXXX : {$2300.00} ) XXXX. XXXX XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$2700.00} ) Fraudulent Inquiries XXXX. XXXX  ( Date : XX/XX/XXXX ) XXXX. XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXXXXXX ( Date : XX/XX/XXXX ) XXXX. XXXX  ( Date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXXXXXX ( Date : XX/XX/XXXX ) XXXX. XXXX  ( Date : XX/XX/XXXX ) XXXX. XXXX  ( Date : XX/XX/XXXX ) XXXX. XXXX ( Date : XX/XX/XXXX ) XXXX. JXXXX XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX ( Date : XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live 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 non-monetary relief
Consumer complaint received 2024-11-20 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: NY

Complaint narrative:
Im 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 2024-11-19 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: LA

Complaint narrative:
RE : XXXX To whom it may concern, I wrote you requesting validation of this alleged debt and ask you to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for you collection of this alleged debt?

4. Please send evidence your authorization to do business or operate in the state of Louisiana 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: AR

Complaint narrative:
My XXXXXXXX XXXX business debit card was stolen and a charge was made fraudulently without our consent. I filed a dispute with XXXXXXXX XXXX on XX/XX/2024. I was told a provisional credit would be credited to our account in 1-3 business days while a investigation be conducted. Today I was not able to access account as if it is closed. I also never received a dispute confirmation number or email. I request that this situation be governed for constructive fraud being caused by this major bank.

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-11-19 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: CA

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach, which has resulted in the unauthorized use of my personal information. Several accounts and inquiries have been fraudulently added to my credit report. As these accounts and inquiries are not authorized by me, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to request that all associated accounts and inquiries be immediately blocked and permanently deleted from my credit file. 
Below are the details of the fraudulent accounts and inquiries that I have identified : Fraudulent Accounts : XXXX. XXXX  o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX  o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX XXXXXXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX  XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} Unauthorized Inquiries : XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX o XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/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 2024-11-20 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-20 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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