vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
A credit card was opened in my name in XXXX of XXXX that I did not authorize. I did not notice this until I tried to get a car loan in XXXX of XXXX. I have been trying to handle this issue synchrony bank since I found out and they keep saying this is my name, my social security number and my card. It is not my credit card. I did not give authorization to open any credit card in my name from synchrony bank luxury card. 
This has hurt my credit score and I need help to resolve this matter. I do not have any card numbers, or papers regarding this issue.

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 2023-03-05 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: Kriya Capital, LLC
State: FL

Complaint narrative:
XXXX XXXX XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XXXX CREDENCE RESOURCES MANAGEMENT XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX. 

In accordance with the fair credit reporting act, this/these creditors has violated my rights under 15USC 1681 SECTION 602 states I have the rights to privacy. 15USC 1681 SECTION 604A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-05 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: I.C. System, Inc.
State: FL

Complaint narrative:
XXXX XXXX  XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX to XX/XX/XXXX I.C SYSTEMS INCXXXX XX/XX/XXXX XXXX XX/XX/XXXX. 

In accordance with the fair credit reporting act, this/these creditors has violated my rights under 15USC 1681 SECTION 602 states I have the rights to privacy. 15USC 1681 SECTION 604A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open and 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 explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This company, Resurgent Capital Services/LVNV Funding, is practicing unfair, deceptive and misleading practices. They are in the business of selling and obtaining personal information which is an infringement of my right to privacy under Chapter 41 Title 15. Other violations include harassment, unfair, deceptive and misleading practices under Title 15 USC 1692. I've noted 18+ violations in the form of an Affidavit of Fact and this company is required to respond with an Affidavit rebutted line by line and a sworn statement signed under the penalty of perjury. This company has not done so because they are aware of their illegal practices. Florida State of attorney general is put on notice of further violations under Florida Statute Title 33 chapter 559 prohibited practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 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: PA

Complaint narrative:
Account info Account name XXXX XXXX XXXX Account number XXXX I was never late on this paid off account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payment from my credit report per usc 15 1666B

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 2023-03-05 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Experian and XXXX is reporting Unauthorized inquires on my credit report I did not apply for anything and requesting to have this removed Under FCRA 609. Disclosures to consumers [ 15 U.S.C.

1681g ], ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 2 ) The sources of the information.

Further, Under FCRA 607. Compliance procedures [ 15 U.S.C. 1681g ], ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] This not a Credit Repairs Service either, I'm doing this on my own to save time and money. I'm tired of the stall tactics I have submitted my ID and Current address since Experian and XXXX sends me letters asking for my information again when they already have my information on file. this my las time disputing my credit report if I continue to receive stall tactics letters. As a consumer I will exercise my right to sue for damages I am invoking my rights as a consumer pursuant 15USC1681 ( n ) civil liability and I demand compensation for every violation listed below ; 1. Permissible purpose {$1000.00} 2. Defamation of character {$1000.00} 3. Damaged reputation {$1000.00} 4. Damaged credit worthiness {$1000.00} 5. Damaged mode of living {$1000.00} 6. Infringed on right to privacy {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I submitted my ID and Utility bill just in case they ask for it again acting like they don't have it.

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 2023-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/XXXX Bank of America appears to have had a data breech which I feel publicly they are not disclosing full details their XXXX system seems to have been hacked which they never fully addressed by I had a checking account opened in my name that same day and was told it was done online and ssn was used. I got an email alert of a new account opening I called promptly that day to their fraud team advised how it was opened and it would be closed. The account is still open

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 2023-03-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
I made a purchase on the Amazon website on XX/XX/2023. Amazon advertise on their website you can use XXXX to to pay for your transactions. I selected XXXX to pay for my amazon transaction. XXXX aporoved me for the {$150.00} loan which I had to put down down-payment to XXXX  for {$28.00}. 

I decided to cancel my Amazon transaction 5 minutes after my purchase on XX/XX/XXXX which XXXX did received a notice from Amazon saying my entire transaction was canceled and voided from the Amazon system. 

XXXX decided NOT to release my {$28.00} hold from my venmo master debit card which I used to pay XXXX on XX/XX/XXXX. 

XXXX had contridicted there story by telling me on XX/XX/XXXX and XXXX that they didn't receive the cancellation notice from Amazon yet. But several other XXXX customer service and a supervisor did confirmed the Amazon cancellation notice was pending in both systems. The XXXX customer service representative did confirm though the canceled notice was reflecting in the XXXX system on XX/XX/XXXX. 

I contacted Amazon executive relations and a Amazon customer service department did confirm on XX/XX/XXXX that XXXX did received the cancellation notice! 

I called XXXX a total of 3 times, Twice on XX/XX/XXXX and once on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NY

Complaint narrative:
Cash app offer all users free cash card, which is connected to big number of their services or you cant use them without a card. Whenever I apply for cash card ( many times for months ) at the final step I receive error message : " An unexpected error occured. Please try again later. '' which indicates technical issue, however when I report issue to cash app support I receive different answer : " Your request to activate/order your cash card wasn't APPROVED. and we CAN'T PROVIDE FURTHER DETAILS regarding this decision at this time. '' Than a list of possible reasons/violation of cash terms none of them apply to me. 
So it's not an error but formed decision and 'try again later ' is misleading and untruth. 
This is so discriminatory and without giving exact reason or what violation was I accused for. 
First, I deserve correct information after my application. 
Second, I deserve to know what did I do wrong ... or they just dont like me cause XXXX XXXX .... could be anything. 
But third and most important I deserve same treatment as other cash card users with all perks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am tired of WELLS FARGO beating me down ; this has caused me XXXX XXXXXXXX as I'm trying to progress in life- but can't seem to do so because of fraudulent identity theft. I have been disputing with WELLSFARGO since XXXX of XXXX, it is now XX/XX/XXXX and my identify theft concerns have still not been addressed/deleted. I have disputed and received paperwork back from WELLS FARGO claiming that an auto vehicle belongs to me. Paper work documents sent to me from WELL FARGO was not mine and UTTERLY INVALID. I am a victim of identity theft and have items in my name including WELLS FARGO DEALER CHARGE OFF and DEPT ED XXXX that are fraud. I only have one auto vehicle through XXXX XXXX XXXX. I have sent over my police report, my FTC report, utility bill, my personal statement, full SSN card with all corners reflecting, Photo ID & etc. I am a victim of identify theft and WELLS FARGO keeps choosing to look the other way and not help me. I was told by an XXXX Fraud Specialist that I should take WELLS FARGO to court. I do not have the money, time, or energy for that to take place. I have 2 XXXX  parents both with XXXX that I can't even afford to put into home health care. WELLS FARGO opened my dispute again XX/XX/XXXX and closed it right back up XXXX XXXX. A proper investigation in a sense has not been conducted. My documents have all been ignored and they want me to keep sending the same files via postal mail which cost me about {$35.00} for mailing charges to expidaite. I have spent over {$300.00} in the past year of mailing to them disputes. I am tired of going through this process and WELLS FARGO wants to keep playing games with victims of identify theft. It should not take me 437+ days to get identify theft removed from my report. There are several factors including WELLSFARGO DEALER CHARGE OFF and DEPT ED /XXXX  that still shows on my report. I hope this will be my last and final dispute to CFPB. WELLSFARGO & CO. is holding me back from living life, liberty and pursuit of happiness.

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 2023-03-05 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 am tired of XXXX XXXX beating me down ; this has caused me XXXX XXXXXXXX as I'm trying to progress in life- but can't seem to do so because of fraudulent identity theft. I have been disputing with XXXX since XXXX of XXXX, it is now XX/XX/XXXX and my identify theft concerns have still not been addressed/deleted. I have disputed and received paperwork back from XXXX XXXX claiming that an auto vehicle belongs to me. Paper work documents sent to me from XXXX XXXX was not mine and UTTERLY INVALID. I am a victim of identity theft and have items in my name including XXXX XXXX DEALER CHARGE OFF and DEPT ED XXXX that are fraud. I only have one auto vehicle through XXXX XXXX XXXX. I have sent over my police report, my FTC report, utility bill, my personal statement, full SSN card with all corners reflecting, Photo ID & etc. I am a victim of identify theft and XXXX XXXX keeps choosing to look the other way and not help me. I was told by an EXPERIAN Fraud XXXX that I should take XXXX XXXX to XXXX. I do not have the money, time, or energy for that to take place. I have 2 XXXX  parents both with XXXX that I can't even afford to put into home health care. XXXX XXXX opened my dispute again XX/XX/XXXX and closed it right back up XXXX XXXX. A proper investigation in a sense has not been conducted. My documents have all been ignored and they want me to keep sending the same files via postal mail which cost me about {$35.00} for mailing charges to expidaite. I have spent over {$300.00} in the past year of mailing to them disputes. I am tired of going through this process and XXXX XXXX wants to keep playing games with victims of identify theft. It should not take me 437+ days to get identify theft removed from my report. There are several factors including XXXX DEALER CHARGE OFF and DEPT ED /XXXX  that still shows on my report. I hope this will be my last and final dispute to CFPB. XXXXXXXX XXXX XXXX is holding me back from living life, liberty and pursuit of happiness.

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 2023-03-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
In XX/XX/XXXX I noticed XXXX charges on my account that I didn't make. The date of the transactions were XX/XX/XXXX. XXXX charge was for {$52.00} and the other charge was for {$9.00} from a company called XXXX. I called my credit card company, Fortiva and informed them that I did not make those charges. On XX/XX/XXXX they credited me back for both of the charges. Then on XX/XX/XXXX they put the charges back on my account. I called Fortiva and asked them why they put the charges back and was told the after their investigation they found I'm responsible for these charges. They wouldn't give me any further information about their investigation and stated I would receive an explanation in the mail. I called Fortiva 7 times to see why I haven't received the investigation letter in the mail. After months of waiting, my XXXX call I spoke with a representative the under and spoke XXXX and he finally had the letter sent out to me. The letter that I received didn't have much information. Not even a phone number from the place where these charges were made. There was a website listed on the letter and I got the phone number from the website. The person at this company also could barely speak XXXX. When I asked her to tell me what it was that I supposedly purchased, she stated that should couldn't find any information on a purchase because it was a year ago. This supposed purchase was in XX/XX/XXXX. After much frustration, I called Fortiva back and let them know that I contacted the company and they didn't have any information about these charges. The representative at Fortiva was not helpful at all and insisted that since they had my address, phone number and email address, these charges are legit. This is not a whole lot of money but it's the principle of the matter. I have no problem with paying for something that I purchased but I am not willing to be wrongfully billed for charges I did not make. I hope that you can help me with the situation. I would really appreciate it. Thank you for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-05 00:00:00
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I filed a fraud claim on XX/XX/XXXX. This is the only claim I have ever reported on this card. I made a purchase for a couple dollars at a donut shop and my card was charged XXXX $ without my knowledge. I tried to contact the shop before disputing it with the bank and was not successful. I let the bank know this information and after reviewing my case they found this charge to not be fraudulent and having me pay it. This is the only purchase I have ever made a claim for. The fact that this bank can not help with something such as this makes me not want to have this card open that I spend lot of money on and pay good interest on.

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 2023-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
Caine & Weiner is on my credit report for XXXX XXXX and XXXX I did a XXXX XXXX  this was on their this should be removed right away off of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 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: IN

Complaint narrative:
I just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile And in accordance with the Fair Credit Reporting act XXXX account # XXXX has violated my rights 15 USC 1681 section 602 A. States that I have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written consent If you have any questions or concerns I can be reached at 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 2023-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was alerted via text by a company called XXXX XXXX XXXX, the {$6000.00} personal loan papers were ready to sign. This happened on XX/XX/2023. I called the XXXX, CA branch and paid them a personally visit. I was told that the person I spoke to on the phone XXXX was not there. Just a young lady was at a desk behind a stack of papers. I asked her for the loan documents that were in my name and gave her my driver 's license to verify me. She refused. Said to call a number in Texas. I tried many times trying to get a hold of a XXXX without any satisfaction. This is part of a fraud series of events and is among one of 43 inquires for credit or loans by this fraudulent individual. I do not know the status of this loan but they at XXXX XXXX XXXX said that it originated on-line request with XXXX XXXX. I have made no dealings with XXXX XXXX or 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