vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-21 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Army and Air Force Exchange Service
State: CO

Complaint narrative:
This is a follow on to complaint XXXX. I made XXXX XXXX XXXX XXXX  promotional purchases, a couple minor purchases during XXXX, and XXXX or XXXX more promotional XXXX XXXX XXXX  promotional purchases. The total amount was {$5500.00}. I have paid {$600.00}. The balance should be {$4900.00}. This is not that difficult. No interested should have been charged due to the promotional purchases and the smaller purchases being paid immediately. You charged me interest on all promotional purchases. You constantly claim you will fix things but don't. Around XXXX - XXXXXXXX XXXX XXXX you made random adjustments. From then on the balance doesn't even match the credit you claim not even accounting for the fact that you fraudulently charged interest. The Lady I spoke with in XXXX at least admitted you screwed up and stated I would be credited the amounts owed and it would be reflected on the XXXX statement. I submitted another complaint with CFPB where you said the errors would be fixed and credit on the XXXX statement. As usual, nothing. While wasting my time on the phone with XXXX XXXX XXXX XXXX again today I was hung up on twice and told both times prior to being hung up on that you can not look that far back. Funny thing is, I can. I can see all of my statements well past then. And I was told I should have called before, that I missed my chance to correct this. I have called numerous times. You can see that I have called numerous times and you can see some random changes you have made as a result of the calls yet you refuse to actually fix the problems. It is pointless. You are clearly not competent and have no intent of fixing your errors. The value of my time wasted dealing with your screw up is around {$3000.00}. Your ongoing negligence should have to cover my time.

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 2024-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc.
State: FL

Complaint narrative:
I was supposed to be receiving a refund from XXXX XXXX XXXX in the amount of {$370.00} to a card that I no longer had active with Cash App. Typically the amount gets rejected because the card is then no longer active. I dont know how cash app is able to apply a credit to a card that is no longer active.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NV

Complaint narrative:
I was initially contacted via email that they had a debt from a doctors office. I contacted this company on Wednesday XX/XX/year> to try and settle. I informed them that I live in the state of Nevada and the state does not allow for interest to be collected. I was told that they would allow for me to pay the amount owed from the doctors office of {$640.00}. I paid XXXX on XXXX XXXX. I called back on XX/XX/year> to pay the remaining balance and I was told that I owe {$520.00} dollars. They told me none of that balance consisted of interest. I have the bill stating what I owed the doctors office. Then when the representative spoke to me they told me that their supervisor said I was charged over {$300.00} in interest but they didnt charge it. They said the charge came from the doctors office. I was also told that they can charge fees for debt that they own but the representative said they did not own the debt. I then told them to give me a signed contract from that doctors office stating that I agree to paying interest. If they dont own the debt why were they charging me interest in the first place. I have attached the statement I received from the company to prove interest was indeed charged on the account and the amount originally owed to the doctors office.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: TX

Complaint narrative:
So XXXX isn't reporting my payment history on my credit report and I paying

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: TX

Complaint narrative:
PLEASE SEE ALL DOCUMENTS BELOW. 
- POLICE REPORT -FTC -DOCUMENTS OF DELETED ACCOUNTS ON OTHER BUREAU -ACCOUNTS AND NUMBERS

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 2024-02-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: AZ

Complaint narrative:
XX/XX/2024 Subject : CFPB to take off negative score. To : Credit Union XXXX XXXX XXXX XXXX Early Warning Services Per the FCRA, as a federally protected consumer, I am now opting out of any or all authorization I the consumer may have given you written, unwritten, verbal, or non-verbal per 15USC 6802. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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 have raised disputes regarding identity theft inquiries XXXX  with Equifax. However, they persist in refusing to remove the inquiries, citing an " Invalid FTC report. '' Despite submitting a valid FTC report containing all required dates and inquiry names, along with additional identity verification documents, Equifax has not provided any explanation for deeming the report invalid. The presence of these identity theft inquiries on my report is hindering my ability to obtain credit, exacerbating the urgency of resolving this matter promptly. 

Identity theft inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EQUIFAX MORTGAGE SER - XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/year>, I sent letters to XXXX, Transunion and XXXX stating that they had violated my federally protected consumer rights on multiple occasions by publicly disclosing my personal information regarding multiple accounts to my credit report without my written instruction. Both 5 U.S.C. 552a ( b ) and 15 USC 1681b ( a ) ( 2 ) clearly state a credit reporting agency may only furnish and report my personal information with my written consent, which I never gave to any of these agencies. 

On XX/XX/year>2024 I received notification from XXXX that these inaccurate accounts have been removed from my report ( attached is the exhibit showing proof of this ) yet on XX/XX/year>2024 Transunion responded back ( attached is the exhibit showing proof of their response to the same letter as XXXX ) and they did NOT comply with my requests and are in direct violation of my federally protected consumer rights. How is it possible that XXXX can remove these accounts but Transunion can not? Transunion is choosing to directly violate the laws created to protect consumers privacy. 

Additionally, Transunion is now in direct violation of 15 USC 1681 ( e ) ( b ) where they are not taking any reasonable procedures to ensure maximum accuracy of my personal information on my credit report, as it does not match with the reports from XXXX or XXXX. 

It is Transunion 's duty to abide by the laws that allow for consumers rights to be protected, however they are NOT. The public disclosure of my personal information is damaging my reputation and causing me unnecessary emotional and mental stress.

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 2024-02-21 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX ) Mid XX/XX/2024 -- XXXX  XXXX XXXX REDUCED my business credit card limit to {$1000.00} from over {$47000.00} on company credit card for XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Early XX/XX/2024 -- XXXX XXXX XXXX REDUCED my XXXX business credit card limit to {$1000.00} on company card for XXXX XXXX XXXX XXXX When I inquired for the reason the credit dept claimed that I had too many credit inquiries on my credit report -- BUT REFUSED to provide any documentation to justify their decision.

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 2024-02-21 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: NC

Complaint narrative:
I recently review a copy of my credit report and found fraudulent accounts on my report. Please remove these accounts because it is hurting my ability to obtain credit '

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 2024-02-21 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: CITIBANK, N.A.
State: GA

Complaint narrative:
The negative accounts came back verified and are 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 2024-02-21 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: Opportunity Financial, LLC
State: GA

Complaint narrative:
The negative accounts came back verified and are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: IL

Complaint narrative:
I think FCRA 605B says wrong accounts should be taken off credit reports. Please check the documents. Some accounts are wrong on my report, making me upset and sick.

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 2024-02-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
XX/XX/XXXX I was food shopping using my ATM card at self-checkout. I was notified by bank of America that a {$1000.00} was withdrawn from my checking account and a purchase of {$900.00} was made at a XXXX. I did neither. Was refunded for those. On same day in XXXX different transactions, XXXX withdrawals were made from my savings account. XXXX for {$3600.00} and XXXX for {$4600.00}. I did not do either. I have never withdrawn large sums of money using my ATM card ever - been with bank over XXXX  years!! They denied that claim. Said I made the transactions or gave permission to someone. I did not. Second letter said I did not exercise care to safeguard my account. The self-checkout machine at store does not provide any security in entering one 's pin number. Anyone watching could have memorized it. Also leaving the store, I was distracted by a man asking directions using his cell phone. With the sophistication of criminals today, it's possible my card was scanned in some way. Or I dropped it. I have no idea. I have a hearing problem so if dropped I did not hear it. Bank notified me of transactions, I put in a claim, few days later put in a police report. Have notified State 's Attorney General 's office, Added a complaint to Federal Trade Commission. Attrorney General 's Ofc looking into. I've gone back and forth with Fraud Department for over XXXX months. Will not let me speak to investigator. No one can give me answers. A second fraud occurred XX/XX/XXXX. Believed I was speaking with someone at Fraud Department. He said he was a supervisor there and was going to help me resolve claim. Asked me all kinds of questions such as DOB, address, phone number, accounts, cred card info etc. I gave it all. Said he would transfer me funds from XXXX XXXX. Asked me to set up an account and he would try to send {$1700.00}. Didn't happen. Said he would call me back - didn't happen. After that I realized I was scammed again. Be trying to talk with Fraud Department about this too. left on hold long periods of time. They haven't returned call. I have all alerts on accounts, credit agencies accounts are frozen. I don't believe he is able to get anymore funds.

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 2024-02-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: SC

Complaint narrative:
Appx. XXXX months ago, I have requested a statement showing that I owe this debt. I advised XXXX ( XXXX ) representatives & Southwest Credit, that I would pay it in full, if there is in fact a balance. Both have advised me that there are no statements available.

This debt has been disputed XXXX  times with no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: AR

Complaint narrative:
I was reviewing my credit report and I see some inquiries that I do not recognize. Please remove from these inquiries off of my credit report. TRANSUNION, XXXX, AND XXXX PLEASE REMOVE THE FOLLOWING : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-21 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery Associates , LLC XXXX XXXX XXXX. 
XXXX, VA XXXX Account : XXXX XXXX XXXX NOTICE TO CEASE AND DESIST You are hereby notified to immediately cease communications and reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract, and proof that you are licensed to collect debts in my state ( if you are a debt collector ). Until such time as you provide verification of the debt, I am exercising my right to cease and desist all collection activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law.

Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report.

Furthermore, I am requesting that all communication regarding this debt be conducted in writing only. Please do not contact me by phone, email, or any other means except in writing. Any further attempts to collect this debt without providing verification or in violation of the FDCPA will result in legal action being taken against your agency.

IF YOU OR ANY OTHER AGENT OF YOUR COMPANY ATTEMPTS TO CONTACT ME OR CONTINUE REPORTING THE ALLEGED DEBT, A FORMAL COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION.

Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all collection and reporting activities on this debt. Failure to comply with this request will result in further legal action. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 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: Opportunity Financial, LLC
State: IL

Complaint narrative:
These accounts is written as a charger off but I didn't receive my 1099C cancellation of debt form and because of that is account is inaccurate and have to be removed. 

XX/XX/XXXX amount XXXX, XX/XX/XXXX amount XXXX. XX/XX/XXXX amount XXXX XXXX XX/XX/XXXX amount XXXX XXXX XX/XX/XXXX amount XXXX. XX/XX/XXXX amount XXXX. XX/XX/XXXX amounXXXX XXXX XXXX I requested from all companies the for my 1099C.also I didnt give consent for these accounts to be sold I didnt authorize my information to be given out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS SYNCB/XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from SYNCB/FRNROW WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT XXXX AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.

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 2024-02-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute several items on my credit report that I believe to be inaccurate and unverifiable. Despite multiple attempts to resolve this matter through traditional mail and via the Consumer Financial Protection Bureau ( CFPB ), I have yet to receive satisfactory responses or evidence of any investigation conducted by your bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute several items on my credit report that I believe to be inaccurate and unverifiable. Despite multiple attempts to resolve this matter through traditional mail and via the Consumer Financial Protection Bureau ( CFPB ), I have yet to receive satisfactory responses or evidence of any investigation conducted by your bureau.

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 2024-02-21 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: NC

Complaint narrative:
I recently review a copy of my credit report and found fraudulent accounts on my report. Please remove these accounts because it is hurting my ability to obtain credit '

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: NC

Complaint narrative:
I recently review a copy of my credit report and found fraudulent accounts on my report. Please remove these accounts because it is hurting my ability to obtain credit '

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