vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-30 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
TransUnion has violated my federally protected rights. I sent a letter in the mail and havent received results which violates the FCRA and the unauthorized inquiries havent been removed..My Id is attached for identification purposes

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 2022-12-30 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach 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 2022-12-30 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
hello i have been working with this company to delete this acct on my report it was deleted from my XXXX but not the XXXX others i am a victeim of idenity theft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Received an email from XXXX ( XXXX XXXX XXXX ) with this subject line Get the XXXX Credit Card with no impact to your credit bureau score if declined, but the fine print reads *Subject to credit approval. 

This is misleading advertising that specifically targets and adversely affects people who have lower credit scores.

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 2022-12-30 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: NJ

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 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 

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 an 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: NH

Complaint narrative:
My mother set up a Discover Bank account to save money for my daughter. When my mother passed we transferred that account to me to manage. Before the pandemic I had an automatic transfer setup to deposit money on a monthly basis to keep it growing. When the pandemic hit, we stopped depositing money, and only checked the account around tax time to see how much interest was added. I am filling out some paperwork today and needed to check on the savings total, but was locked out of my online account. After calling Discover and regaining access to my account, I scrolled down through the transactions and saw that there were XXXX fraudulent transfers out of my account. All were transferred out using XXXX. 

XX/XX/XXXX - {$600.00} to XXXX XXXX XX/XX/XXXX - {$580.00} to XXXX XXXX XX/XX/XXXX - {$600.00} to XXXX XXXX XX/XX/XXXX - {$600.00} to XXXX XXXX XX/XX/XXXX - {$600.00} to XXXX XXXX XX/XX/XXXX - {$600.00} to XXXX XXXX I also noticed that my email address was changed to XXXX At this point I called DiscoverBank.com and reported the fraud on XXXX, XX/XX/XXXX. But because the fraudulent transactions occurred more than 120 days ago, they could not do anything to reimburse me. They suggested I contact XXXX, so I did ( XXXX ), and was told that it wasn't their problem, that it had to do with Discover 's policies. So I called Discover back and they confirmed that because it had occurred more than 120 days ago, they could do nothing to reimburse me. I asked how someone was able to change my email address without anything alerting me and they said that " our system clearly noted something had happened because it stopped any future transfers of funds beyond the XX/XX/XXXX transaction, and suspended online access to your account. '' I was not notified by phone or email or mail that access to my account had been suspended. If I hadn't been doing paperwork today and needed to check the balance, I would not have noticed until tax time. 

There is no recourse for me to get any of this money back. Money that my retired parents ( XXXX passed 7 years ago ) helped build up over 10 years. My XXXX researched XXXX companies before landing on Discover to create this savings account. She put her faith in them to help us build a nest egg for our daughter. And because I wasn't checking the account every month ( why would I since nothing was going in, I ASSUMED nothing was going out ), and because of some random number of days they have assigned to their policy... it's not their problem. Shame on me for being a working class Mom with more than enough stuff on her plate to pay attention to than to keep an eye out for someone sucking our daughter 's savings dry. 

Discover should be ashamed of themselves. 

I made a formal complaint, but expect to hear nothing back. I have closed our account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-30 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
XXXX XXXX and experian is reporting serval duplicate inquires that I didnt do and would not remove them especially XXXX and XXXX XXXX had a freeze on my accounts and yet not being notified if Im authorizing a creditor to obtain information I want all my inquires removed especially all the doubles triple inquires I have

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 2022-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
The debt is owed by the VA. 
I have contacted the company twice about this and both times they agreed. 

Several months later I received a call trying to collect this debt. 

3 days later I received a letter. I called the number on the letter and I was give advice on how to proceed. The gentlemen told me " sir if you don't owe this money, you wouldn't be getting this letter. Followed by a chastising. 

I have hit a brick wall!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
XX/XX/2022 i made a payment of {$460.00} and the money came out of my bank account that night, the next morning I am showing no available credit I call capital one and ask what is going on they say that are holding the money to make sure it comes out of my bank, informed already passed pending and money is out of account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach 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 2022-12-30 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach 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 explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Resurgent Receivables LLC has provided nothing to show that I owe them anything. I have repeatedly requested for information to prove that the debt is mine but Resurgent Receivables LLC has failed to do so. 

I also sent in a prior complaint about this issue and Resurgent Receivables LLC cited the lawsuit they filed against me in attempt to collect this false debt as a reason to not comment on my previous complaint. 

Resurgent Receivables LLC is also not authorized to collect debts in my state XXXX XXXX XXXX XXXX This is a violation of consumer law and makes the lawsuit that they filed in pursuit of the alleged debt illegal and non-standing. I attached a list of the authorized states and counties that Resurgent Receivables LLC can collect debt in. 

This is what is causing me to write this second complaint to try to get this situation resolved and the debt deleted from my credit report indefinitely. 

This process has been very stressful for me and has cause me to underperform at my job resulting in my firing. This has cause a lot of strife in my life and I would love for it to be resolved by having this stain deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
i never opened this acct it was fraud idenity theft and its affecting my credit score

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: VA

Complaint narrative:
I purchase a gift card from a XXXX XXXX store On XX/XX/XXXX. 
I loaded the card XXXX usd. 
I paid with my credit card a total including activation fee of XXXX usd. 
I have been charged on my credit card as it showes on the receipt as well and my credit card bank statement The gift card is not working. And when I called the number on the back of the gift card ( XXXX ) they asked me to send ( to XXXX ) the receipt, back and front pictures of the gift card which I did. After a fee weeks they replied to me saying that they can't help me. I called so.many times and they put me on hold and never get back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently checked my credit report and I noticed numerous fraudulent accounts and inquiries 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 non-monetary relief
Consumer complaint received 2022-12-30 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: CA

Complaint narrative:
hello i have been working with this company to delete this acct on my report it was deleted from my XXXX but not the two others i am a victeim of idenity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person. I demand that this incorrect, inaccurate, and unverifiable information on my credit report be immediately removed, this is a violation to FCRA. Here are the following date disputes was sent, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
On XX/XX/XXXX th 2022 I accidentally sent the money to the wrong person. It was {$400.00}. And the company paypal has fail-safes for this exact problem and within minutes I followed those steps. And luckily the person I sent this too answered my call and cancelled the transaction and refunded the money back to me almost immediately.. Now this is what PayPal directs you to do. So I figured I would get my XXXX money ( I had no XXXX this year, I literally had to feed my family peanut butter sandwiches for XXXX dinner ) PayPal said my refund would be available on XXXX XXXX the {$400.00}. Now I even asked them on their website why does it take 3 days to get my money refunded to me on an accidental transaction. Their response was that I have to wait for th e-check to clear, which confused me. Because it was a PayPal to PayPal transaction so I dont understand why the y would have to wait for their own check to clear? So I wait til XX/XX/XXXX and than it says the refund was pushed back to XXXX XXXX. After XXXX. I was heartbroken how can I tell my family that XXXX is cancelled. I wondered if this was personal because I feel I was discriminated against by PayPal not long ago, within the past 12 months I wrote an email to PayPal that my next step was to get a lawyer and file a discrimination suit against them but than they released my funds to me. But I did not say anything or contact them, I waited patiently thru XXXX for the XXXX th to come. On the XXXX I went on their website and saw on the XXXX nd of XXXX they cancelled the refund, no notification whatsoever. They told me to wait til the XXXX th to get my my my money back. But they silentl cancelled it. I called them on the XXXX th to be lied to and told the other party involved cancelled the refund and than got on with a manager who told us there is no one above him that we could talk to. Not one question o had was answered they told no refund thats it because the other party was in the negative which should not have mattered cause it was cancelled. Why would they wait 14 days to tell me this cause the manager stated clearly on the recorded line that, as soon as I accidentally sent the money I was never going to get it back cause she was in the negative. If that is the case than why 14 days to tell me this

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-30 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: GA

Complaint narrative:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX APT XXXX XXXX Georgia XXXX. Please update my name to : XXXX XXXX, My only social security number is : ( XXXX ) and my only and correct date of birth is : XX/XX/1972. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2022-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I currently have a checking account with Chase bank over 2 years. On XX/XX/XXXX I received my federal tax return I signed the back and deposit the check same day through ATM. On the XXXX I called to check the status and was told by XXXX rep it was a XXXX  day hold, which I did not have a problem with. The representative place me on hold several times to come back and say she verified my refund check with the state treasury department while I was on hold and they verified the check and said the funds would be available on XXXX XXXX XXXX XXXX XXXX XXXX XXXX after speaking with that rep I get an email stating my account will be closed due to fraud because Chase seems to believe my check was altered. I called the number provided spoke with XXXX account XXXX she advise they would have to call and verify the check with the treasury dept and once they verify that the check is valid from them they would release the funds but if they can not verify before my account closes then I would have to request another check from the IRS. XXXX advise me to call back early XXXX morning to speak to the department XXXX refuse to transfer me to the escalated department. If Chase can call the treasury department to verify checks, why do my account need to be closed when they can verify my funds with the IRS. FYI my check was for a large amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Synchrony Bank sold my account to a collection agency and the balance was paid off some time ago XXXX XXXX 
I tried to contact the bank but kept running into dead ends. 
XXXX XXXX is where I started Care Credit. 
I made a final payment in a money order and can't quite remember when exactly.

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