vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
Portfolio Recovery Associates was served a Notice of Claim and Dispute Affidavit. Accompanying the affidavit was an exhibit regarding their companys violation of my consumer rights and an invoice for those violations, dated XX/XX/XXXX. To present, Portfolio Recovery Associates has not rebutted the affidavit nor have Portfolio Recovery Associates sought to grant the remedy owed to me, but have acknowledged after harassing me for months and negatively harming my credit score, that in conclusion of their investigation in response to my affidavit, they were removing the account from my credit report. Please see attachments. Enclosed is my good faith with clean hands attempt to resolve this with Portfolio Recovery prior to seeking default judgement, pursuant to Rule 55. The attachments include : Tracking information with signature return receipt, Private Notice of Claim and Dispute dated XX/XX/XXXX, Exhibits of Portfolio Recovery Associates violating 15 U.S.C 1692, Invoice dated XX/XX/XXXX for 15 U.S.C 1692 violations, and Notice of Settlement Offer dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I have been disputing these accounts on my credit report for years to no avail. These accounts are closed, statue of limitation expired, and been paid off and its still showing a balance on my credit report. These accounts should be off my credit report immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Midland Funding. Thanks so much for your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: TN

Complaint narrative:
I am a victim of identity theft. I had not checked my credit report in years, however I recently obtained a copy of my credit report and found several accounts that had been opened in my name without my knowledge, authorization or approval. I have never had XXXX nor have I ever given authorization for any third party to open a XXXX account in my name. Whatever services XXXX previously opened in my name was a direct result of identity theft. I did now open or use this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one has retaliated against me again. This time using various " capital one " entities to drop my credit rating XXXX points to XXXX. Previously XXXX has been debited illegally and left as negative for the refund and subsequent false debits. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXX Re : TJX RewardsMasterCard AccountNumber : XXXX Account Balance at Time of Sale : {$220.00} Date : XX/XX/23 Dear Synchrony Bank, ( A Dispute Complaint ) This letter is to inform you that the above amount is not my bill. So, I am dispute it. 
I personal visit the store and spoke to the manager and gave her a written statement OVER TEN YEARS AGO. 
The above is not my account of my bill. So, please leave me alone... .This is totally unlawful for you to continue over several years bothering me on an account that not legal my from the start. THANK YOU!

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 2023-07-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Albert Corporation
State: CA

Complaint narrative:
The online company " Albert ''. I opened an account with them. I was unhappy with how they were taking money from my other checking account without warning of which days and undisclosed amounts so I tried to close the account. They will not let me close thier account. They are holding {$3.00} in an investment account of mine. They said I need to transfer that first. Ok fine no problem. Expect that it doesn't allow to transfer. Thier answer is sorry you have to... So I am being forced to keep this account open that I do not want. I have tried to deal with customer service. I'm just going to complain about this company every where I can now so maybe they will fix this. I want this account closed!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
This company keep reporting this event after CFPB investigate them and they closed the account as paid!! | Charge was for a new roof by XXXX They never finished the job! 
And forged my and my wife name ( as XXXXGREENSKY knows ) to a completion of work document!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Dynamic Recovery Solutions, LLC
State: FL

Complaint narrative:
I am a natural person, a living human being, and I have rights under 15 USC 1681. XXXX is governed by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts Accounts- DYNAMIC RECOVERY SOLUTIONS, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  am not liable for any debt with DYNAMIC RECOVERY SOLUTIONS, XXXX XXXX I do not have a contract with them, they not provide me with the original contract as requested, I demand that these accounts be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 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: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I have only disputed this with the credit bureaus. I do plan on reaching out to the company ( LVNV Funding LLC ) as well but also thought to go on ahead and file a complaint because : this account keeps changing dates constantly and consistently reporting over and over again as a " new '' collection, a recent collection, a just now occurring collection ( dragging down my XXXX XXXX ) and I don't know how or why they can keep doing that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XX/XX/XXXX Ally Auto XXXX XXXX XXXX XXXX, MN XXXX Acct # XXXX To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or XXXX ) credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! : XXXX XXXX is in violation of the FCRA and XXXX Compliance and reporting violation. 
15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On XX/XX/XXXX thru XX/XX/XXXX you reported transactions from account # to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports! 
The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of XXXX compliance! 
Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. 
I need the transactions reported on XX/XX/XXXX thru XX/XX/XXXX Deleted from my consumer reports effective immediately. 
Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so dont respond telling me that to waste my time. 
Further more 15 USC 1666b ( a ) ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
I need the above transactions deleted from my consumer reports! 

Best regards, XXXX XXXX Enclosed : copy of ID and Utility Bill showing proof of address

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 2023-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX I am having problems with my credit profile there has been so many hard inquiries I was miss lead by a lot of car dealers and loan XXXX can someone please resolve this issue for me please..

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 2023-07-22 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have sent multiple letters asking for validation and the method of how they validated the fraudulent and questionable item on my credit report and have not received back anything in over 45 days for the account that is clearly inaccurate and fraudulent. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life. The most recent certified letter I sent was XX/XX/2023. 

The account in question and its account numbers : XXXX XXXX acct # XXXX In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX, has violated my rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 explanation
Consumer complaint received 2023-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
I received a Welcome email from Frost Bank regarding opening a new account on XX/XX/2023, at XXXX XXXX I then received two more emails stating that the security questions had been changed around XXXX XXXX on XX/XX/2023. I walked into a location bank branch and reported that an account was open in my maiden name as I changed my name at the beginning of the year. I provided the rep with my new ID and advised her that I didn't authorize the opening of an account with this financial intuition.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
XXXX XXXX XXXX was served a Notice of Claim and Dispute Affidavit. Accompanying the affidavit was an exhibit regarding their companys violation of my consumer rights and an invoice for those violations, dated XX/XX/XXXX. To present, XXXX XXXX XXXX has not rebutted the affidavit nor have XXXX XXXX XXXX sought to grant the remedy owed to me, but have acknowledged after harassing me for months and negatively harming my credit score, that in conclusion of their investigation in response to my affidavit, they were removing the account from my credit report. Please see attachments. Enclosed is my good faith with clean hands attempt to resolve this with XXXX XXXX prior to seeking default judgement, pursuant to Rule 55. The attachments include : Tracking information with signature return receipt, Private Notice of Claim and Dispute dated XX/XX/XXXX, Exhibits of XXXX XXXX XXXX violating 15 U.S.C 1692, Invoice dated XX/XX/XXXX for 15 U.S.C 1692 violations, and Notice of Settlement Offer dated XX/XX/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 2023-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/2023 approximately at XXXX XXXX center time I begin receiving emails regarding withdrawals being made to my cash app account from a atm machine. I was at a concert in downtown XXXX at the time of the withdrawals and never went by any ATM to make any transactions on XX/XX/2023. Five each for XXXX XXXX withdrawals all totaled XXXX XXXX I believed somehow my card information was compromised allowing someone to duplicate a card. I called cash app service and immediately and reported the withdrawals along with filing disputes of the transactions. The following days I went to my local police department and filed a fraud report for the fraudulent transactions along with a federal fraud report that I was also instructed by the police officers to do. Cash app refuses to do any investigation into the illegal withdrawals simply stating that I must have used the card or authorized usage when I clearly have never given out my card for usage by anyone nor have I shared information in regards to my account info with anyone on purpose. Cash app refuse to release the funds to work or even review the police report filed and Ive sent various of forms of proof that I did not make these transactions and did not authorize these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Target store sent me an email XX/XX/23. 
They thanked me for applying for a credit card. 

I never applied for it. 
XXXX. 
XXXX I emailed them. 
I wrote 1. I never applied for the card.

2. I am not responsible for any charges.

3.Cancel this card 4. This is Identity Fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have an outstanding from XXXX XXXX for {$750.00}. Someone has opened this account with my information because this wasnt authorized by myself. The date on my credit report says XX/XX/2022. My information has been stolen/lost in the past so this has to be a reason why I have accounts open in my name.

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 2023-07-22 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: CT

Complaint narrative:
I agree to make payments on a credit card it still continues to show that I did not make payments on a monthly basis. When I have been making them. I will attach prof of some of the payments as agree. I have called them over and over to dispute these transactions and nothing has been done.

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 2023-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with The Fair Reporting Credit Act, this creditor has violated my rights.

Under 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604A Section 2 A credit/consumer reporting agency can not furnish an account information, without my written instruction.

15 USC 1666B A creditor may not treat a payment on a credit card account under an open and active consumer plan as late for any purpose. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 2023-07-22 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: MI

Complaint narrative:
In accordance with The Fair Credit Reporting Act XXXX, Dept Of EducationXXXX - XXXX, Dept Of EducationXXXX XXXX XXXX Dept Of EducationXXXX XXXX XXXX Dept Of EducationXXXX XXXX, Dept Of EducationXXXX XXXX XXXX Dept Of EducationXXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-07-22 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: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with The Fair Credit Reporting Act XXXX, Dept Of EducationXXXX - XXXX, Dept Of Education/XXXX XXXX XXXX Dept Of EducationXXXX XXXX XXXX Dept Of EducationXXXX XXXX, Dept Of EducationXXXX XXXX XXXX Dept Of EducationXXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: CA

Complaint narrative:
I opened a dispute for a transaction I made online using this card. I never received the merchandise and after contacting the seller it was clear that they were not going to send me the merchandise I purchased or provide a refund. As you can see from attachment of my message with seller, whenever I'd submit an inquiry they would respond with generic responses. The attachment includes a response that when read does not even make sense. The transaction was made at XXXX and since I did not have an account with them I was unable to initiate a claim using their service. Since seller was not cooperative I contacted CashApp, who gave me the card I used, to help me in initiating a dispute through the XXXX XXXX. CashApp denied my claim saying " no error was found ''. This denial does not even indicate to me that there was a reasonable review of relevant information provided. In fact I don't think they even initiated a XXXX dispute/chargeback. Additionally I received 0 correspondence in regards to my dispute. I wasn't notified of when I initiated the dispute and also wasn't notified that it was closed and denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: NY

Complaint narrative:
We owed XXXX business about {$200.00} - which we paid and have a cashed check as proof. Today we received a notice from a collection company called Sequium Asset Solutions , LLC saying they are trying to collect a debt of {$99.00} for XXXX XXXX from us. We absolutely do not owe XXXX a thing. We read on the reviews of Sequium that they are a scam and tried to falsely collect for XXXX ( XXXX XXXX ) from another consumer. This is wrong and I can see how someone who doesnt know any better could be scammed by this. They need to be stopped. They are listed as Sequium Asset Solutions , LLC at XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX. Their phone number is listed as XXXX.

Company response to consumer: Closed with explanation