vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Buckles & Buckles, P.L.C.
State: MI

Complaint narrative:
I owe money for a XXXX  card, Buckles & Buckles purchased the debt from XXXX, I called Buckles & Buckles early in XXXX to pay off the debt and when I spoke to the person with the company, I was told that I can not pay off the debt because they did not have my file and that they would call me back so I can pay it. I never received a call back from or any other communication. Today, XX/XX/XXXX, I was served a summons from Buckels and Buckels regarding this debt. I never received any other bills or communication from them regarding this debt nor would they let me pay off the debt when I called them in early XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: UT

Complaint narrative:
I am writing to formally complain about inaccurate and illegal reporting of transactions on my credit report, which I believe violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a.

I have carefully reviewed my credit report, and I have identified several inaccuracies in the reporting of late payments and utilization of credit. As per 15 U.S. Code 1681a, The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 
The term consumer means an individual. 
The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. 

* ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; It is illegal to report inaccurate information that adversely affects a consumer 's creditworthiness. 

Below are the specific discrepancies that I have identified : * XXXX XXXX XXXX XXXX. Account number : XXXX. Account type : Home Equity. Date opened : XX/XX/XXXX. Late payments recognized on XXXX, XXXX, XXXX of XXXX. 
* XXXX XXXX XXXX XXXX. Account number : XXXX. Account type : Home Equity. Date opened : XX/XX/XXXX. 104 % credit utilization. 
I am formally requesting that you conduct a thorough investigation into these matters, as required by the FCRA. I kindly request that you promptly correct the inaccurate information on my credit report by removing the incorrect late payments and adjusting the reported credit utilization. 

I understand that under 15 U.S. Code 1681i, you are required to conduct a reasonable investigation within 30 days of receiving a dispute. I urge you to adhere to this statutory requirement and provide me with written notification of the results of your investigation. 

If the investigation confirms the inaccuracies, I request that you update my credit report accordingly and provide me with a revised copy. Additionally, I would appreciate it if you could provide me with information on the steps taken to prevent such errors in the future. 

If my concerns are not addressed within the stipulated time frame, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau. Please treat this matter with the urgency it deserves.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX i processed XXXX transactions via square utilizing vanilla Visa prepaid gift cards purchased by myself in the amounts of {$9.00} {$45.00} and {$150.00} I have had my square account open and in good standing since XXXX square then placed processing on a hold and required me to verify my identity again which I did numerous times square then refused verification and without causation authorization or violation of squares terms and conditions deactivated my account on XX/XX/XXXX I received an email from square indicating that the funds being held would be released no more than XXXX business days after XX/XX/XXXX of XXXX on XX/XX/XXXX of XXXX my square account reflected that the funds were XXXX available for transfer and XXXX pending transfer however the transfer process was still under suspension I contacted square customer service once again and they indicated to me that although they could see the email that they sent to me the time frame that they provided me had been met and received the situation needed to be escalated to a team to review that my account was indeed deactivated which it is and was as of the XXXX of XXXX of XXXX and that it was in fact XXXX business days after XX/XX/XXXX of XXXX which today is XX/XX/XXXX indicating exactly XXXX business days after the first of XX/XX/XXXX therefore taking another full business day before they could review the process and determine if my funds can be released they are holding my funds illegally and without cause there has been no fraudulent activity or elicit processes I have met all the requirements and requests the fact that they need to review and read an email to verify what they could already see on the account is asinine and uncalled for and affecting my business 's bottom line when I requested to escalate the matter they advised me I needed to wait and that my call was unproductive and they disconnected the call their customer service is XXXX at best they have provided no resolution they are holding my funds without cause or merit and are doing nothing to adhere to the time frame in which they themselves set I want my funds released as indicated in the email from square within the allotted time frame there is no reason for another XXXX or more period to pass to review what is already plainly on the account in addition to I want any and all processing fees removed and or reimbursed in addition I am requesting compensation for time lost in managing this situation and trying to gain resolution without succession

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
My grandma lent my sister money through a local store that does money transfers to help her. I also gave her money from my savings even though I was jobless, because my grandma told me that she pays back. Well she did pay back after a month, through venmo in different payments, different days. XXXX transaction was XXXX dollars, describing " XXXX for grandma and XXXX for you '' in XXXX. Other payment was XXXX saying " for grandma ''. 

After a few months she made XXXX disputes claiming that money or something in venmo. Lying about the whole thing and I told her to remove those many times many days. But all she said was that it wasn't her and that she was going to call venmo. Weeks and weeks passed and she never removed them. 

During that time I was talking to venmo through email and called them many times because this is not fair and doesn't make any sense. How do they charge me and give her money back with no proof or consulting both sides?? 

They cancelled my account and it is not fair, I was just helping her but she is not ok in the mind. She is a XXXX  person because of an XXXX XXXX she has. Please help me with this

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/2021, I became a victim of identity theft. At the time of this incident, I only had two accounts opened with the bank : my checking and my savings account. Nobody but myself had access to my password or username and I was confident enough to trust the bank to notify me when suspicious activity happened. Unfortunately, I was not alerted when multiple fraudulent accounts were opened. On the afternoon of XX/XX/2021 I checked my online banking account and I quickly noticed that XXXX XXXX dollars were missing from my savings account. I called the bank to see what was going on as it was after hours and I was not able to go into a branch. As I was on the phone with a representative, I was informed that there had been XXXX different accounts opened from XX/XX/XXXX to XX/XX/XXXX, none of these accounts were authorized and I was not notified of these accounts being opened. One of the accounts, in particular, was being used and had a debit card linked to it, they would transfer money from my actual savings account into it and would withdraw the money at different ATMs in a different state from where I reside. The first transfer happened on XX/XX/2021, they transferred XXXX XXXX dollars and withdrew it at two different ATMs on the same day, the same processes happened on XXXX XXXX, and XXXX. XXXX of dollars were being withdrawn outside of the state in which I live and I was not notified of any of this activity happening. I submitted a claim on the phone and was told that it would take about XXXX weeks to get a response. On XXXX XXXX I received a letter in the mail regarding my claim, In that letter the bank stated that they would not refund my money because the accounts were opened using my username and password. I went into a branch the following day to speak to a representative in person, I got copies of all the fraudulent accounts opened and noticed that my home address had been changed to one outside of the state and my email address had also been changed. I asked the bank multiple times to review my claim again because I was not happy with the results but was always told that because my claim had already been declined and closed, they would not reopen it. I dont think it's fair to have my hard-earned money stolen and have the bank not do anything about it, I am in desperate need of help as I seem to not be getting anywhere by myself.

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 2024-01-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Confirmations number was provided for completing form for XXXX and was responded with a hard pull to credit score for approval decision made through customer representative. Which no inquiry of credit report should be an hard pull without consent.

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 2024-01-06 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: OH

Complaint narrative:
I XXXX XXXX demand that all late payments be removed from my consumer report because the term consumer report does not contain information about transactions or experiences between i the consumer and the creditor, pursuant to 15usc 1681 ( 2 ) this is an improper use of my consumer 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 explanation
Consumer complaint received 2024-01-06 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: Exeter Finance, LLC.
State: OH

Complaint narrative:
Hard inquiries on credit report that should have been off taken thats still on my credit report old address and phone information improper use anything on my credit report should be consented or given permission by me which is stated in credit laws

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I paid off my account in full in XXXX of last year. My balance was {$610.00}, I paid the full amount to close. After all this, I was still being charged " interest charges '' on the balance of {$0.00}. I received no communication via email, mail, or phone calls about this. The only reason I found out was an email from XXXX XXXX stating that my credit score dropped significantly. After checking the statements, I found XXXX has been charging interest and late fees on an account that was completely paid off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
There was a Synchrony Bank Paypal credit card opened in my name on XXXX XXXX XXXX I did not open this account but also did not notice its addition as I did not have any credit monitoring software at the time. Over the years the card had been used to make purchases and payments, none of which were by me. XXXX payment was missed in XXXX XXXX XXXX which alerted my XXXX XXXX XXXX report of a missed payment. Since then, I have been back and forth with Synchrony Bank to remove this fraudulent account and was told today ( XXXX XXXX XXXX ) that since the account has been open for close to XXXX years, it is viewed as a " valid account '' in their words and will not be closed. Now I am expected to pay {$2100.00} that remains on the account for which I did not make purchases. To further the troubles, I am unable to verify the name associated with this account when they ask since I did not create it so there is less help that I can receive from customer service.

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 2024-01-06 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: FL

Complaint narrative:
I pulled my credit report a few months ago and noticed I have some accounts that doesn't belong to me XXXX XXXX and XXXX XXXX. I've contacted the company and disputed the accounts several times and the accounts are still reporting. The company has never sent any of the information I requested. I am looking to buy a house and need the accounts removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Synchrony bank closed all of my accounts. I recently received a lump sum payment and payed off the majority of my debt to improve my credit score. Instead it will hurt my score by them unilaterally closing all of my accounts. I am a XXXX percent XXXX veteran and it appears as discrimination.

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 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I was notified by letter that XXXX XXXX XXXX XXXX had a data breach and I was one victim. I was told to freeze my credit with all XXXX credit reporting agencies. I attempted to call, use the text system and live chat and all XXXX have been hacked! None of the people could form a proper sentence in English, it was jumbled and made no sense and when I asked on the phone after multiple attempts to get to my credit to freeze it, they refused to transfer me to an American. 

Nobody at Transunion can assure me they are Transunion! So I believe Transunion has been compromised. Here is proof, as the texts I am uploading prove this is a hacker. No company from America would hire anyone who would be unprofessional, can not form a proper sentence and add random brackets to texts and expect us to trust they are Transunion. 

Meanwhile, I can not put a freeze on my credit. So I am reporting Transunion has been hacked as well and the company is responsible for the mess and my inability to freeze 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 2024-01-06 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: OH

Complaint narrative:
I XXXX XXXX demand that all late payments be removed from my consumer report because the term consumer report does not contain information about transactions or experiences between i the consumer and the creditor, pursuant to 15usc 1681 ( 2 ) this is an improper use of my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: OH

Complaint narrative:
I XXXX XXXX demand that all late payments be removed from my consumer report because the term consumer report does not contain information about transactions or experiences between i the consumer and the creditor, pursuant to 15usc 1681 ( 2 ) this is an improper use of my consumer 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 explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Law Office of Michael J. Scott, PC
State: CA

Complaint narrative:
The company threatened to sue me and garnish my income if I should ever stop paying my allotted monthly amount in a payment plan that I agreed upon with the company in spite of my complaints to the company about my unemployment, low income from XXXX, and credit score too low for me to secure a loan. In addition, the company described to me in writing such a payment plan as a settlement in spite of the fact that the plan involves my payment of the entire debt, not just a portion of the debt. From my online research, however, settlements lower credit scores. Furthermore, contrary to such agreement between the company and me, the company, according to my bank statements, has been canceling my online payments to the company for XXXX consecutive months now, including yesterday, XX/XX/2024.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There is information on my credit report that is a result of identity theft that I did not provide information for or any written permission or instructions for the identified transactions to be reported on my consumer credit report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block is not being made on the basis of misrepresentation of fact by me relevant to the request to block the identified transactions are not information related to any any transactions by me as the consumer. You are required to do what I am asking and block these transactions from being reported to my consumer report within XXXX days from the date of receipt. I look forward to your response. Thanks

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 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There is information on my credit report that is a result of identity theft that I did not provide information for or any written permission or instructions for the identified transactions to be reported on my consumer credit report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block is not being made on the basis of misrepresentation of fact by me relevant to the request to block the identified transactions are not information related to any any transactions by me as the consumer. You are required to do what I am asking and block these transactions from being reported to my consumer report within XXXX  days from the date of receipt. I look forward to your response. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There is information on my credit report that is a result of identity theft that I did not provide information for or any written permission or instructions for the identified transactions to be reported on my consumer credit report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block is not being made on the basis of misrepresentation of fact by me relevant to the request to block the identified transactions are not information related to any any transactions by me as the consumer. You are required to do what I am asking and block these transactions from being reported to my consumer report within XXXX  days from the date of receipt. I look forward to your response. Thanks

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