vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-15 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in reference to my credit report, which contains several items that are incorrect or questionable. As per the Fair Credit Reporting Act ( FCRA ), I request that you take appropriate action to investigate and correct these errors immediately. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX - This address belongs to someone else. Please remove it from my report immediately. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX, CA XXXX- This address belongs to someone else. Please remove it from my report immediately. 

XXXX  XXXX XXXX Account Number : XXXX  This account 's name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX  XXXX XXXX Account Number : XXXX  This account 's name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX Account Number : XXXX This account 's name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX  Account Number : XXXX This account 's name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

I have carefully reviewed my credit report and can confirm that the above-listed items are not accurate. As per the FCRA, I have the right to request that you remove any information that is inaccurate or incomplete. 

Please note that I would like to receive a written confirmation once these items have been removed or corrected from my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: Persolve, LLC - Legal - Series 2
State: KS

Complaint narrative:
Persolve nor any of its DBA's/subsidiaries hold a Supervised Lender License as required by Kansas UCCC 16a-2-301 ( 1 ). In order to lawfully take assignment, Persolve must hold this licensure and be registered through XXXX. Persolve has accessed my nonpublic personal information, almost daily, to tarnish my reputation and coerce payment on an alleged debt that I do not owe nor is Persolve properly licensed within my state to enforce any alleged rights within a Retail Installment Contract. If a lender takes assignment, it must file notification and be licensed as the Retail Installment Contract calls for a supervised loan bearing more than 12 % interest per annum. Persolve has been requested to cease and desist all communication and delete this unlawful tradeline. Persolve has not taken any of my requests seriously and continues to defame my character with its unlawful access to my credit file and furnishing libelous, derogatory information in which Persolve has no authority. This is my last attempt to request the deletion of this improper and unlawful furnishing before litigating actions ensue. Please see the attachment from the OSBC Kansas Search Results invalidating any authority Persolve alleges to have. A complaint with the OSBC has been filed also.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
To whom it may concern, I always pay every credit card I have in full every month. The card at issue is my Sam 's Club credit card through Synchrony Bank. On XX/XX/2022 I paid my balance of {$4000.00} in full for the prior month. The payment was accepted. Three months later the balance of {$4000.00} appeared back on my statement. I disputed this and was told that " on XX/XX/2022 the payment was returned unpaid by your bank ; therefore, the payment was reversed. '' I provided Synchrony bank with a copy of the front and back of the check with Synchrony 's stamp on it showing that it was received and cashed. I also provided copies of my bank statements showing the payment leaving my account and never returning. I asked Synchrony bank on multiple occasions to provide me with some kind of written evidence proving that the payment was returned by my bank. I have formally requested proof four times in writing and at least a dozen times over the phone. I am never given anything. Some of Synchrony bank 's responses simply say they can't locate any payments and other letters say that they found the payment but then it was reversed. They're not even consistent with the response they are giving me. At this point I have provided proof that the payment was made, that Synchrony Bank received the payment, that Synchrony Bank cashed the check, that the money left my account, and that the money never returned. Synchrony Bank has provided me with nothing. On a side note, in the middle of all of this I contacted my bank, XXXX XXXX and opened up a claim for them to investigate and they also confirmed that Synchrony Bank was paid and the money was never returned. I don't know what else to do at this point.

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 2023-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
This is a business complaint against Bank. A customer of ours was prompted to make an ACH wiring transfer to Chase Bank to an account listed under our name ( We do not bank with Chase or have nay account as all with them ) The wiring information provided to our customer by an unknown thirst party was under our business name, but did not match teh actual details of the actual account. Chase Bank accepted this transaction even thought it did not match in the amount of {$15000.00} on XX/XX/. 
Once I was made aware of this fraudulent transaction I called Chase Bank and informed them this was fraudulent and we do not Bank with them-They allowed me to cancel this account even thought it was not under our name as they tried to hide that. I could not get help from anyone and upon further investigation I discovered they allowed this transaction without matching the business name to routing #. After numerous emails, phone calls and being redirected several time I was getting no where with Chase and the customer and I have decided we should take matters in to our own hands and file a complaint against Chase Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I used XXXX to transfer money for a condo rental. Once I realized I was scammed I immediately called Citizens Bank to cancel the remaining g amount of {$950.00}. I received. Confirmation number and was informed it was cancelled. I then discovered citizens paid the amount to the scammer even after I cancelled. They will not refund my {$950.00}. it from another one of my accounts which I did not authorize when they, citizens suspended the transaction. 
I filed a police report who requested I call back with more info from the bank. The bank did not contact XXXX XXXX XXXX  to notify them of this fraudulent activity with their account holder. They help the criminals by not reporting for investigation. 
They took my funds AFTER it was cancelled with a cancellation claim number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have been getting denied from a lot of rental properties. The items on my credit report are fraud. I have been trying to remove them,, but I can't. I have no eviction no judgment on my credit report and plus I make 3 times the amount of rent and my application are still getting denied because of my credit score. I have tried to dispute the items but they will not delete off my 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
Consumer complaint received 2023-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/XXXX i used my debit card to pay {$560.00} for a rental car service threw third party booking company called XXXX For the dates of XX/XX/XXXX XXXX XXXX XXXX from rental car company XXXX XXXX  when i arrived at the rental company they told me the car i paid for i was to young to rent, they told me my money was transferable to any car the have available, but they didn't have any other cars on the lot they didn't have any cars available for me and to request my refund from XXXX, XXXX denied me a refund. I requested to dispute the transaction with XXXX from my bank, chase bank, and submitted copy evidence of XXXX refusing to refund me and provided substantial proof and along with XXXX refund policy, chase bank looked over the documents XXXX sent to chase and denied my transaction dispute, favoring XXXX. I requested copy of documents XXXX sent to chase claims, and it was only a screenshot of the order confirmation, but was also told by XXXX claims they can not accept my documents of XXXX chat because they where screenshots.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma, LLC
State: WA

Complaint narrative:
On XX/XX/XXXX after I had made a purchase for goods and the merchant would not accept my us issued passport as identification and informed me that they would not be refunding my money that I would go through the bank dispute process. I reached out to Credit Karma and informed them and started the dispute process. That was 16 days ago. They haven't even reached out to ask if I had any supporting documentation which I do I have all the email correspondence. Once it reached the 10-day mark I started reaching out every day and I was told that they can see that I should have gotten a provisional credit but it didn't post to the account so they were going to escalate it well 6 days later and I still have not even been contacted for evidence or proof let alone the provisional credit I've tried everything I can and they just won't follow the law

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX 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 694 A. Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
As an XXXX, I had provided services to XXXX & XXXX XXXX at XXXX XXXX XXXX in XXXX, NJ XXXX under a contract we'd signed in XX/XX/2022. 
While they paid the first two payments, they changed their mind and their project required additional work. As my agreement with them allowed me a range between $ XXXX in cost, I had therefore charged them additional funds ( total of {$11000.00} ). 
While this is irrelevant to you as a consumer financial protection bureau, the next part is. 
On XX/XX/XXXX, XXXX XXXX signed a TD personal check to me for the final amount of {$5500.00}. I deposited it in my XXXX XXXX  on XX/XX/XXXX and it was returned by my bank on XX/XX/XXXX with a strange comment : " warranty Breach ''. I went to TD Bank and they could not explain or help. I went to XXXX and they tried to recover more info. I emailed the chairman of TD Bank, who said it's a legal act : In response to your below e-mail, we have confirmed that Customers do have the ability to place stop payments on any check written from their account, provided the check has not already been cashed. The transaction can be stopped up to and including the posting date. 
At this time, your only recourse would be to pursue legal action against the maker of the check, who placed the stop payment. 
Thank you for allowing us the opportunity to review this matter. 
Regards, Chairman 's Service Center Office of the President and CEO TD Bank, America 's Most Convenient Bank I spoke to several legal professionals in the banking compliance field and they agreed that it's not legal to stop a legal tender signed not under duress, fraud or loss of check. 

If the payer had misgivings about their payment or agreement, they should have addressed it with the service provider ( Me ) rather than stop payment on a legal tender. 

Our economy is based on receiving payment for goods and services, if anybody could stop payment on their legal payment, forcing the receiver to spend time and money on collection of the checks they received in good faith, it'd crate havoc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX at XXXX XXXX XXXX XXXXXXXX KY XXXX has mailed me numerous invoices for services that I have not agreed to. The total is {$340.00} for a tank pick up fee that I did not agree to. I have contacted XXXX  over the phone to dispute this invoice and was told that they would send me a copy of the original signed contract that I never received. I haven't ordered gas from them in 4 years. I had called their office and requested to remove their tank 3 years ago. It occupied my property until they removed it last year. Since then XXXX has turned the invoice to the collections company XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. I have requested 3 times proof of billing from XXXX. XXXX did send fraudulent invoices that were vague and not detailed itemized invoices. XXXX has not provided any services to me or my property in over 4 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I obtained a private loan to attend XXXX XXXX XXXX for an XXXX XXXX in XXXX XXXX. During the first semester at that school, they announced that they would not be issuing a degree at graduation but instead, it changed to a certificate and they would assist students in finding employment. I withdrew after learning that they were aware that students would not receive degrees before my enrolment and failed to disclose this information to me. My federal student loans that were also disbursed to XXXX XXXX are being discharged due to my approval under the Borrower Defense for Sweet v. Cardona. Per the attached promissory note, the private loan was disbursed to this school, which is included in the settlement. I should not be responsible for repaying a loan to a school that deceived me, was predatory in telling lies to me just to get me to visit to school WITH a parent and apply, all under false pretenses. This Signature loan must be discharged based on the clear evidence from the Sweet v. Cardona settlement. Till this day, the credits obtained from this school are worthless and non-transferrable to an institution of my choice. The school closed and I even can not obtain any transcripts from them yet for a $ XXXX loan disbursed in 2004, I have repaid triple the amount and still have a balance today of over $ XXXX. Attached also is the approval email I received for my federal loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: PA

Complaint narrative:
Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX. The consumer reporting bureau XXXX, Experian, XXXX and the Domestic relations secretary of XXXX pa XXXX at XXXX XXXX XXXX are boldly violating my writes to privacy and are reporting inaccurate information on my consumer report. I never gave any of these companies written instructions. In 15 U.S.C 1681 section 602 A. States 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 2023-03-15 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MN XXXX FCRA section 623 ( a ) ( 1 ) ( b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Contains incorrect Information address and is not my account XXXX XXXX XXXX  also being reported on all 3 bureaus conflicting account opened dates this account was also opened in XXXX but conflicting on all reports XXXX XXXX  also not my account conflicting information on all 3 bureaus address I did not live at I have reported my identity being stolen or used I have been successful with some and not all they won't delete I have disputed items I also have been compromised on the dark web in 3major data breaches in the bureaus XXXX also not my account also being reported to all bureaus in question this account was opened in XX/XX/XXXX also conflicting dates opened in reports wrong address used too open account XXXX XXXX XXXX opened XX/XX/XXXX Also not my account wrong address conflicting information XXXX account paid by a payday loan direct deposited into this account before closed and still they report this as unpaid derogatory XXXX also XXXX being reported numerous times under different names being reported as secured and it is not secured with anything at all also conflicting information addresses amounts and information Under FCRA it is my right as a citizen too have these accounts removed from my reports that are being reported as derogatory closed collections wrong addresses conflicting names addresses my address amounts personal information I have disputed these with the CRA and got nowhere my life is in shambles these accounts are hurting me from building a proper credit profile that I need too move forward in life for my family I do not know what else too do I need help getting these items removed from my reports im hoping this is the right way or my right option because nothing else has worked thank you for you time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
The IRS ( XXXX XXXX ) received a 480.6A form from Synchrony Bank indicating that my debt was discharged. I did not settle this account with Synchrony, I have not file for bankruptcy or authorized the debt to be discharged. Now the amount of {$5300.00} is considered income and I have to pay taxes. 

Account- 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 explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT

Complaint narrative:
Sometime between XX/XX/2023 and XX/XX/2023, an unknown person applied for a credit card with CAPITAL ONE BANK USA in my name. I did not authorize this application. 

CAPITAL ONE BANK USA made a hard inquiry from credit reporting agencies which lowered my credit scores and I received an alert through a third party app, XXXX XXXX. 

I called CAPITAL ONE BANK USA to report unauthorized inquiry and/or fraud and to ask them to cancel the card and remove the inquiry. CAPITAL ONE 's customer service would not have a conversation about the issue unless I gave them my CAPITAL ONE account number. I explained repeatedly that I do not have a CAPITAL ONE account number and that the transaction was not authorized. They told me to contact the credit reporting agencies. 

I did contact the credit reporting agencies and they all told me that I need to contact CAPITAL ONE to make sure they remove the inquiry and cancel the credit card. When I told the reporting agencies that CAPITAL ONE would not talk to me unless I had a CAPITAL ONE account number, the reporting agencies told me to file a complaint with FTC. FTC forwarded me to CFPB, so I am filing the complaint here.

Company response to consumer: Closed with non-monetary relief