vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
got charged for XXXX dollars as an " adjustment payment '' for no reason I talked with several online customer services but they all claimed that this was a wrong charge and the money was already back to my account, but my statement for XXXX was XXXX dollars and it became XXXX dollars for XXXX. I only made XXXX dollars in purchasing items, the " adjustment payment '' is definitely not returning to my account And also, everytime I would receive a notification claiming that I've already successfully made the payment for the payment cycle, but then several days later I would receive another notification telling me that the payment is actually not successful and I would still be charged for XXXX dollars as late fee. why?

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 2023-08-02 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: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I received emails with personal loan offers that clearly stipulated that finding out my " rates '' WILL NOT affect my credit score as it won't be a hard inquiry. If I decide to go through with the application and select a loan product, then that's when the hard inquiry will occur. Well come to find out, they accessed my credit report ( hard inquiry ) without my concern, especially since I didn't select any of their personal loan offers given the sky high interest rates. I'm shocked to find that they have pulled my credit, and used it in ways I NEVER consented to. This includes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CITIZENS BANKXXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: FL

Complaint narrative:
XXXXXXXX XXXX  is reporting and continuously reporting and validating disputes stating that a collection on my credit report from all credit bureaus for XXXX is valid. I did not come across this until reviewing my credit report to move out of my current apartment and fix my finances to buy a house with my XXXX XXXX XXXX XXXX in XX/XX/2022. I filed 2 Identity theft reports, ive sent physical mail letters to all credit bureaus and the creditor. The only response I got from the creditor is that they validated the dispute because of an email address and thats it, which makes no sense to me. The lady i spoke to requested for me to submit a police report but i submitted multiple identity theft reports and Ive put freezes on all my credit reports, ive done all the right things with nothing fixed. Multiple times the report will get deleted and then put back on later, now i have difficulty getting scores, requesting reports, it makes me look bad and get flagged because i have to keep disputing the same reporting continuously. After disputing that it has been deleted and put back on, i dont get any real answers. Ive requested a block and no action has been taken. This affects my debt, my debt to income, mortgage applications, and i am not responsible for this. As a consumer under the fair credit act it should not be this difficult for a young single mother of XXXX XXXX XXXX trying to get her finances in order and work on raising her credit. It is incredibly discouraging and i have given up disputing it multiple times but it is just not fair.

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 2023-08-02 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: FL

Complaint narrative:
XXXX XXXX is reporting and continuously reporting and validating disputes stating that a collection on my credit report from all credit bureaus for XXXX is valid. I did not come across this until reviewing my credit report to move out of my current apartment and fix my finances to buy a house with my XXXX XXXX XXXXXXXX XXXX  in XX/XX/2022. I filed 2 Identity theft reports, ive sent physical mail letters to all credit bureaus and the creditor. The only response I got from the creditor is that they validated the dispute because of an email address and thats it, which makes no sense to me. The lady i spoke to requested for me to submit a police report but i submitted multiple identity theft reports and Ive put freezes on all my credit reports, ive done all the right things with nothing fixed. Multiple times the report will get deleted and then put back on later, now i have difficulty getting scores, requesting reports, it makes me look bad and get flagged because i have to keep disputing the same reporting continuously. After disputing that it has been deleted and put back on, i dont get any real answers. Ive requested a block and no action has been taken. This affects my debt, my debt to income, mortgage applications, and i am not responsible for this. As a consumer under the fair credit act it should not be this difficult for a young single mother of XXXX XXXX XXXX trying to get her finances in order and work on raising her credit. It is incredibly discouraging and i have given up disputing it multiple times but it is just not fair.

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 2023-08-02 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: TX

Complaint narrative:
There is a total inaccuracy on my credit report and i noticed that some inquiries that are not authorized are on my report, this violated my consumer right because i do not have nothing to do with the inquiries, I will like the following inquiries to be removed from my credit report as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX finance XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 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: VA

Complaint narrative:
I am writing to express my serious concern and dissatisfaction regarding the continued communication from Midland Credit Management despite my explicit request for cessation of communication as per 15 U.S. Code 1692c. Pursuant to this federal statute, I exercised my right to cease communication in connection with the debt that you are attempting to collect.

Under 15 U.S. Code 1692c - Communication in connection with debt collection, it is clearly stated that if a consumer notifies a debt collector in writing that they refuse to pay a debt or wish for the debt collector to cease further communication, the debt collector must comply with this request and refrain from any further communication regarding the debt. This includes any form of communication, whether direct or indirect, through any medium. 

I previously filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding Midland Credit Management 's practices. In response to that complaint, I was informed that Midland Credit Management claimed they would cease and desist communication. However, it has come to my attention that despite this claim, I am still receiving communications from your company, which is a direct violation of the statute mentioned above. 

It is essential to note that the term " communication '' encompasses the conveying of information regarding a debt through any medium. My consumer reports, which your company is using to report information, are also a medium of communication. By failing to cease communication through all mediums, including but not limited to consumer reports, Midland Credit Management is violating the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer. 

I want to bring to your attention that I am aware of my rights as a consumer, and I am fully prepared to take appropriate legal action to protect those rights. Under the FCRA, I am entitled to accurate and fair credit reporting. If every account that your company is reporting on me is not removed immediately, I will have no choice but to pursue legal action for the violations outlined in this letter. Please be advised that I can seek damages of {$1000.00} per violation, which could result in substantial financial consequences for your company. 

I expect this matter to be rectified promptly. I request that you cease all communication through any medium, including consumer reports, and remove any accounts associated with my name from your reporting immediately. I also request written confirmation of the cessation of communication and the removal of accounts. 

Your immediate attention to this matter is crucial, as further violations will result in legal action. I hope we can resolve this matter amicably and avoid unnecessary legal proceedings. 

Thank you for your prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2023 a fraudulent XXXX transaction was made on my account possibly from my unattended phone that was illegally accessed in a XXXX parking lot, in the amount of {$1600.00} to a XXXX XXXX. After reporting the fraudulent transaction the next day, the effected checking account was locked and a police report was filed per the banks recommendation and an identity theft report was also initiated. After several months of supposed investigation the bank claimed they weren't responsible for the missing money and blamed me for an outside party accessing my phone, even though I was the victim of the fraudulent access. No further investigation was conducted by BoA despite further information about the fraudulent party being given to them. After an initial investigation by the XXXX it was reported to bank of america that individual where the money was sent was most likely fraudulent as the individual XXXX XXXX could not be reached and a male individual answered instead. After requesting identifying information the individual hung up and blocked the number. 

BoA XXXX XXXX # : XXXX Police report : 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 monetary relief
Consumer complaint received 2023-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: LA

Complaint narrative:
My money has been there since XX/XX/XXXX XXXX XXXX I've tried to send in verification of everything I have. I can't access the the account due to phone being stolen. Cash app has assisted me well over 100 times in trying to gain access to the account and each one of those times I'm told that can't be done and no further action can be taken. Which is exactly what was done nothing to actually help me or tell me how to go about getting MY MONEY! I understand there are security measures but I'm being asked about cashtags instead of how to verify who I say I am or account statement on the transaction. I am in a huge not so good financial bind at the moment. If something doesn't happen by the end of this week my family will be without a home and maybe each other. I'm desperately asking for an answer as what I need to do or how to get past the security to access my old account. Thanks for your time... I'm including tax records, and what I have to show that the account and {$6100.00} belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ROBINHOOD MARKETS INC.
State: OR

Complaint narrative:
Robinhood told me to call XXXX to have my debit card from them verified for XXXX XXXX. When I called the number given to me, someone from XXXX answered to confirm my account information, and then confirmed my debit card for XXXX XXXX. Robinhood support said they don't send the confirmation codes for card confirmation, XXXX said it has nothing to do with them, that it's just Robinhood using XXXX XXXX  XXXX. Sounds like Robinhood is lying, spoofing the receiving end of XXXX support 's phone number, and doing something phishy with customer information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was buying tickets for XXXX on XXXX XXXX.. but because of where the seller was located, I needed 2 day shipping which XXXX does not support ... ..so the seller asked me if using XXXX  would be okay ... .I said absolutely and he was very communictive all daywith me... we decided to use XXXX as I bank with Chase ... .at the same time that we were texting, I called my bank and asked themabout the person that I was sending the money to... they specifi cally told me that as long as they are " registered & verifi ed '' with XXXXthat it should be okay, I asked if I would be covered in case something happened, they responded yes s long as the recipient was, again " registered & verifi ed '' ... so I purchased the tickets and asked for the XXXX  tracking number once he told me that my ticketshad been shipped... .then nothing ... .I tried to use the XXXX  tracking number but it was not in the system... .I went to my local XXXXoffi ce and they told me that I had to call XXXX  Customer Service... .I had been for two ( 2 ) hrs previous to going to XXXX inperson ... .anyway the registered person on XXXX was XXXX XXXX ( XXXX ) the amount of the transaction was {$430.00} on XX/XX/XXXX ... .I was supposed to receive the tickets today... .I did text the seller several times with no luck ... then heresponded that his daughter had been bitten by a dog & even went so far as to send me pics ( they were pretty bad ) ... .I told him thatthe tracking number wasn't working & could he please send me a copy of the XXXX  receipt ... .I heard nothing until the next morning & he apologized & told me that he would be sending it to me shortly ... .I knew he already had the money, why would he stsill becommunicating? Since yesterday, no communication & his telephone mailbox can not be reached ... .I do not know what I have to do tofi le a claim and stop this person ... since this all took place he has since been blocked by XXXX XXXX... he stated that he was in XXXX, Txbut the telephone number if for XXXX ( XXXXXXXX XXXX ) the telephone number is : XXXX ... it was perfectly legitimate to think thenhe may have bought the tickets to go to XXXX living in XXXX  it's close, and at some point moved to TX & could no longer use thetickets ... ..what can I do? The Sellers Name was : XXXX XXXX, XXXX ( or XXXX  ), TX..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: OH

Complaint narrative:
I have filed a dispute informing TRANSUNION that the reporting they have is incorrect and please correct. They have investigated and will not correct their issue. I have asked for a way to provide the proof and they state that mailing is the only way. But yet their website says one can upload docs. 

I have been given numbers to call and not having any luck.

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 2023-08-02 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 am writing to you to bring your attention to an alarming discrepancy I discovered on my recent credit report, which indicates that a credit account has been fraudulently opened under my name without my knowledge or consent. 
The account in question is as follows : -Creditor : XXXX XXXX -Account number : XXXX -Date opened : XX/XX/2023 -Reporting balance : {$370.00} I unequivocally state that I did not open this account, nor have I given anyone permission to open this account on my behalf. I believe that I am a victim of identity theft and as such, this account is fraudulent.

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 2023-08-02 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: TX

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from 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 2023-08-02 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: GA

Complaint narrative:
I am writing to formally dispute a fraudulent account that appears on my Experian credit report, in accordance with Section 605B of the Fair Credit Reporting Act, 15 USC 1681c-2 ( a ). 
The account details are as follows : Account Name : XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/2023, Reporting Balance : {$370.00} I was recently made aware of this account and its activity upon reviewing my Experian credit report. I assure you that I have no knowledge of, nor did I authorize, the opening of this account. I believe that I have become a victim of identity theft, and this account is the result of fraudulent actions.

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 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX  XXXX XXXX  ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act, 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 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 non-monetary relief
Consumer complaint received 2023-08-02 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have VOLUNTARY surrendered my vehicle back to XXXX XXXX XXXX XXXX in XXXX of XXXX. 
However, XXXX XXXX XXXX just changed history of my account and notified credit bureaus Equifax, XXXX and XXXX that in XXXX (! ) from XXXX through XXXX of XXXX account was in repossession (! ). This does not make any sense nor this is right as this vehicle was VOLUNTARY SURRENDERED and brought back to XXXX XXXX XXXX in XXXX XXXX, Ca at the end of XXXX in XXXX!!!!

Company response to consumer: Closed with non-monetary relief