vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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: Experian Information Solutions Inc.
State: NV

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.

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 2024-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OR

Complaint narrative:
On XX/XX/XXXX I had a charge on my card from a business that ended up being a scam ( a fake business called XXXX XXXX XXXX ). I brought this to the attention of CashApp on XX/XX/XXXX including sending with it screenshots of my attempted conversation with the business. The company website has a section to input your order number and email to check order status. When I input this I get no order that comes up. So I get in the chat and have been trying to speak with the 'business ' for over a week and they will not reply. I took this to cashapp so fast because I didn't want to wait and let more time elapse. So I sent Cashapp my screenshots and the next day they denied it on the basis 'the merchant performed their duties ' which is impossible and didn't happen. I immediately disputed that decision and sent them updated screenshots so they could see the 'company ' was still ghosting me after my requests and the very next days cashapp denied me once again on the grounds the 'merchant performed their duties. ' I then contacted XXXX and they told me they only people who can do anything are cashapp or their issuer, XXXX XXXX. Only XXXXXXXX XXXX don't return phone calls nor have any standard customer service person to call ( unless you have a XXXX Account to type in ). Cashapp has been extremely unprofessional and unhelpful and its shocking to have a financial institution treat its members this way. For CashApp to deny this twice with the evidence I sent is disturbing. 

This fake website XXXX ' is now completely down. I included a screenshot of that which I just took today. 

The picture of the original receipt that shows the charge, That was all they gave me as a receipt. No email came through which was concerning. Had I not taken a picture of this screen I never woulda had my order number to try their fake order check system. 

The pictures of a binding ( there's XXXX of them ), look in the bottom right to see me attempting to make contact with them for days, until their website shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am writing to dispute certain inquiries on my credit report that I believe to be inaccurate and unauthorized. Upon reviewing my credit report, I noticed several inquiries that I do not recognize or recall authorizing.

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 2024-03-25 00:00:00
Product: Credit 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I paid twice for the same rental car, once through XXXX with a discounted rate due to prepayment, and again to XXXX XXXX XXXX which they refuse to refund. USAA denied my dispute. 

XX/XX/2023 : I booked a car rental fully prepaid in the amount of {$510.00} using my USAA XXXX with XXXX ( Booking number XXXX ) for a car rental ( XXXX XXXX ) from XXXX XXXX XXXX to be picked up at XXXX XXXX XXXX  on XX/XX/2023 and returned on XX/XX/2023. Again, fully prepaid with {$0.00} due on arrival. 

XX/XX/2023 : Location XXXX XXXX Airport XXXX XXXX XXXX. I showed the XXXX representative the confirmation, and my USAA XXXX card was charged {$560.00}. I was assured in person and via phone by XXXX XXXX XXXX that the amount would be refunded when the car was returned because I had already prepaid for the rental through XXXX. 

XX/XX/2023 : The car was returned as scheduled, but XXXX XXXX XXXX refused to refund the {$560.00} even though all necessary documentation was offered to the representative. 

Through USAA I started Dispute Claim number XXXX, which was denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
My account with my main one financial was opened in XX/XX/year> and I was told it was closed off due to lack of payments but during the time it was the first wave of XXXX and money started getting tight and I couldnt pay because I got sick with XXXX and I traveled to XXXX where my car broke down and I explained it to the attorney who was representing them now that after many threats they wouldnt let me talk to anyone else but the attorney and much recently after my account being closed off for XXXX years because of lack of payments they decided to take out a lawsuit against me and forced me to pay every XXXX of each month and if not it would mean jail time and while I had to agree they also put on me a agreed judgment and theres a whole bunch of add ons and over priced interest

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX Stonington Ct. 
Virginia XXXX XXXX XXXX XXXX Subject : Formal Complaint Regarding Inaccurate Credit Inquiry on Credit Report To Whom It May Concern, I am writing to formally dispute and request the removal of an inaccurate credit inquiry listed on my credit report. Upon reviewing my credit report dated XXXX XX/XX/2023 I discovered a credit inquiry that I did not authorize or recognize. The details of the inquiry are as follows : Creditor Name : ALLY FINANCIAL Inquiry XXXX Inquiry Type : Hard Inquiry I have not applied for any credit or authorized any entity to make an inquiry into my credit history on the mentioned date. This inquiry has adversely affected my credit score and could potentially impact my ability to secure credit in the future. 
I request an immediate investigation into this matter and the removal of the inaccurate inquiry from my credit report. According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports, and credit bureaus are obligated to investigate and correct any errors within a reasonable timeframe. 
Enclosed with this letter are copies of supporting documents that demonstrate the inaccuracy of the credit inquiry, including any proof of identity, such as a driver 's license or passport. 
I kindly request that you provide me with a written confirmation of the investigation results and any actions taken to remove the erroneous inquiry from my credit report. 
Please acknowledge receipt of this complaint within 30 days and initiate the investigation process promptly. 
Thank you for your attention to 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 2024-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: CA

Complaint narrative:
Phoenix Financial is making a wrongful claim and has flagged my credit for collection which has substantially ruined my credit score. In their letter which was dated XX/XX/XXXX they give 60 days notice to communicate reg. this issue. However on XX/XX/XXXX I checked my credit on XXXX and they had flagged my credit for the amount of {$1000.00}. They violated my Fair credit right to respond in the given time. Also the amount which I was billed from XXXX XXXX was {$380.00} which I paid 6 years ago in XXXX. I never received any additional statements for the claim amount of {$1000.00}. Now after 6 years I receive this bogus debt collection claim from Phonix Financial and without any hesitation and proof, they ruin my credit, this company is using bullying tactics and has violated my right to dispute the claim by reporting it to the credit agency prior to the 60 day given dead line. They need to remove it from collection and resolve it with XXXX XXXX  since it is an invalid claim. I paid the bill of {$380.00} in a timely manner and there was no outstanding balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.

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 2024-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
After 2 years of fighting for XXXX I recieved a large backpay. I verified with venmo I can have my deposit sent to my venmo account. At that point I didn't have a bank a count as I have had zero income in 2 years. I have spoke to multiple people in customer service who have stated there is NOTHING wrong with my account. They see no reason why venmo has froze my account. They all have stated that the account specialist has to fix it but they have no way to transfer the call. A venmo account speciality sent an email on XXXX stating my account was completely deactivated and they will hold my money for 6 months until they decide if they will return my {$48000.00}. However they specifically state they can not tell me why and refuse to speak on the phone. They have taken my XXXX money, refuse to give it back, refuse to state why, refuse to speak to you, They want to hold XXXX for 6 months while I loss my house and everything else. They have no right to hold my money, they can see it was deposited by the government.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In the second week of XXXX we decided to remodel our bathroom. We Lowes sent us to their partner XXXX XXXX. We received a contract with a price that included a 10 % discount because we would finance it through a MyLowes card. After signing the contract we when through the process of getting a MyLowes card through Synchrony Bank. They gave us a {$4000.00} credit limit far below the {$12000.00} required to fiance the remodel and qualify for the 10 % discount. Since Lowes/Re-Bath/Synchrony was not going to do the work for the contracted price, we considered the contract canceled. Just to make sure we sent a cancellation notice by E-Mail and postal letter that day which is within the three da grace period required by California law.

Telling the customer that the contracted price is going to increase {$1000.00} after stating the price and signing the contract is obvious " Bate and Switch ''.

We also requested that Synchrony provide us with a way of getting a free copy of the credit report used to deny us credit. They told it would be in the letter they were sending to. ( Actually a electronic message through a difficult to use system. ) The letter did not contain this information.

Two issues : 1. The bate and switch.

2. The refusal to provide credit reporting information as required by law.

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 2024-03-25 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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: Experian Information Solutions Inc.
State: TX

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. 

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 2024-03-25 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: NV

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.

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 antedate
s 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 non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
I am on XXXX and in XX/XX/XXXX and XX/XX/XXXX I was placed on administrative forebearance which when I called to inquire to have tracked as a payment, they told me it was a processing forebearance and would not count because I didnt make a payment. I never requested a processing forbearance and I never would have as I want my months counted while I am working. I didnt turn in anything late. They shouldnt be allowed to just place me on forebearance and stick me into public service longer and longer. I need those XXXX months counted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
I AM UNAWARE OF THIS ALLEDGE DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE THIS ALLEDGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVED IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING IVE RECEIVED IT!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: I.C. System, Inc.
State: CA

Complaint narrative:
XXXX XXXX : XXXX It is illegal to report to transaction history.

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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
These two accounts has moved past the statute of limitations in North Carolina. In North Carolina, the statute of limitations for debt is three years from the last activity on your account.These accounts should longer report to my credit report. Please delete these accounts : XXXX XXXX Account # XXXX Date of Last Activity XX/XX/2018 XXXX  XXXX Account # XXXX Date of Last Activity XX/XX/2018

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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights 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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief