vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-17 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I received in the mail what is my " CALIFORNIA MIDDLE CLASS TAX REFUND CARD ''. Looking to transfer the money directly into my XXXX XXXX ACCOUNT, I went directly to my XXXX BRANCH and turned it to the teller for this reason. She asked me to call the number in the card, XXXX, to activate the card and set up a PIN number as it happens with any other card. Called this number which is affixed via sticker to the new card as sent, called from within the bank branch, but a recording would say " this card could not be activated ''. Turned the card to the manager at this branch who tried himself to no avail. They were surprised it could not be activated. They ( bank staff ) called the card issuing business, " MONEY NETWORK '' but nobody would answer. The manager at XXXX XXXX gave me in writing these following information so that I could contact them and clear the issue ... " MONEY NETWORK CUSTOMER SERVICE XXXX '' as well as the e address : account.money network.com I tried calling this number as shown to no avail and also tried the online address and email account to no avail. On XX/XX/23 I called again and finally there was a response, although automated, and the recording offered amongst options the cancellation of the card in lieu of a new one, selection I requested, the cancellation of the card issued and sent to me, the card I had on hand which is not working, and the issuance of a new card. It is today Sunday XXXX the XXXX and so far, no response nor new card nor any kind of communication or remedy coming in from this company, MONEY NETWORK. I have in my possession the card in question with the affixed sticker prompting the user to call XXXX in order to activate the card and set a PIN number, as well as the letter with which the card was sent over the mail. As I understand I already paid taxes or taxes are to be levied on me for this CA middle class tax refund card, but MONEY NETWORK never allowed me to collect this money, which appears to be outright fraud on their part.

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 2023-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CT

Complaint narrative:
To whom it may concern, I am writing you to talk about what happen on XX/XX/2023. My chime account was hacked they were able to access my account and send money to another account. The amount was XXXX dollars. I called chime immediately to stop the transaction. Not only did they not stop the transaction they also havent refunded me my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 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: PA

Complaint narrative:
XX/XX/2022 I was contacted by XXXX XXXX XXXX of XXXX Police Department that a family member was pulled over during a traffic stop and proceeded to provide them with my social security number to elude them ; she impersonated me and tried to have her XXXX charges under my identity. There is an open case of XXXX  and other XXXX  and XXXX  citations. My family member stole a phone that had many of my credit card apps, orders were placed through the apps for store pick up in stores where no proof of identity was needed to pick up any brought merchandise. My identity has been taken from me both XXXX  and financially ; I have been unable to resolve this issue, unsuccessful with making corrections to these errors on my credit report or even obtaining a new copy of Police report # XXXX when my name is listed as the victim. All three credit Bureaus have yet to protect my credit where they are reporting inaccurate information of debt that has not been made by me. Attached is the police report I was provided with, My Federal Trade Commission Identity report where more details are enclosed of accounts and balances.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XX/XX/2022 I was contacted by XXXX XXXX XXXX of XXXX Police Department that a family member was pulled over during a traffic stop and proceeded to provide them with my social security number to elude them ; she impersonated me and tried to have her XXXX  charges under my identity. There is an open case of XXXX  and other XXXX  and XXXX citations. My family member stole a phone that had many of my credit card apps, orders were placed through the apps for store pick up in stores where no proof of identity was needed to pick up any brought merchandise. My identity has been taken from me both XXXX  and financially ; I have been unable to resolve this issue, unsuccessful with making corrections to these errors on my credit report or even obtaining a new copy of Police report # XXXX when my name is listed as the victim. All three credit Bureaus have yet to protect my credit where they are reporting inaccurate information of debt that has not been made by me. Attached is the police report I was provided with, My Federal Trade Commission Identity report where more details are enclosed of accounts and balances.

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 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Once again on XX/XX/2023 I disputed an account with XXXX bank with it Trans Union, and they literally come back XXXX days later and said account verified as accurate data furnished by bank. Thats it when I request how they came up with is the paperwork that they use in their investigation I get nothing in return and then to top it off my credit score keeps dropping when I have positive things on my credit it dropped XXXX XXXX  because my XXXX  my car loan decreased I had four inquiries drop off and I had a collection drop off and they dropped my school at XXXX XXXX  how does that work? Somebody explain this to me

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 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc.
State: FL

Complaint narrative:
I recently received a copy of my ( XXXX, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report. It has come to my attention that I did not receive a copy of my billing statement for the months listed above which is required by the law at least 21 days before the payment due date. Pursuant to the provisions of 15 U.S. Code 1666b - Timing of payments.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX  XXXX  was open on XX/XX/XXXX amount owe XXXX .I have no knowledge of this account didnt give premission for the use of this card use or open. I would like for this account to be remove off all three of the major credit bureau immediately off transunion, XXXX, XXXX XXXX XXXX  was open on XX/XX/XXXX amount owe XXXX have no knowledge of this account didnt give premission for the use or open of this card .I would like for this account to be removed off all three credit bureaus immediately off XXXX, TRANSUNION, XXXX I have two XXXX XXXX XXXX XXXX  open without my premission one was open XX/XX/XXXX and another XXXX XX/XX/XXXX one balance XXXX and the other one XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17 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: MI

Complaint narrative:
XXXX XXXX was open on XX/XX/XXXX amount owe XXXX .I have no knowledge of this account didnt give premission for the use of this card use or open. I would like for this account to be remove off all three of the major credit bureau immediately off XXXX, XXXX, equifax XXXX XXXX  was open on XX/XX/XXXX amount owe XXXX have no knowledge of this account didnt give premission for the use or open of this card .I would like for this account to be removed off all three credit bureaus immediately off XXXX, XXXX, EQUIFAX I have two XXXX XXXX credit cards open without my premission one was open XX/XX/XXXX and another XXXX XX/XX/XXXX one balance XXXX and the other one XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17 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: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
All inquirers reported to and obtained without my written consent is a violation under the FCRA U.S.C 1681 and aggravated identity theft pursuant to 18 U.S.C. 1028A. No permissible purpose XXXX XXXX XXXX XXXXXXXX no permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C. 1681 XXXXXXXX XXXX XXXXXX/XX/XXXX - no permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C. 1681 XXXX XXXX no permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C . 1681 XXXX XXXX permissible purpose / no written consent Source of information : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, OH XXXX Reported for XXXX OVERDRAFTS Date of closure : XX/XX/XXXXXXXX XXXX XXXX ACCT # : XXXX / XXXX Charge off amount : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Reported for XXXX OVERDRAFTS Date of closure XXXXXXXX XXXX XXXX ACCT # : XXXX / XXXX Charge off amount : {$1500.00} 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 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

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 2023-09-17 00:00:00
Product: Credit 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XXXX XXXX XXXX I booked a reservation with XXXX XXXX for a trip to XXXX, XXXX. I used my XXXX credit card ( ending in XXXX ), linked to my PayPal.com account, to make the payment. However, on XX/XX/, I had to cancel the reservation, but the hotel didn't respond to my cancellation request. To resolve this, I opened a dispute with PayPal for a refund. Regrettably, PayPal closed the case in my favor but refunded only a partial amount of {$140.00} XXXXXXXX XXXX  to my XXXXXXXX XXXX. The correct refund should have been {$140.00} USD, not XXXX pesos. Despite my efforts to rectify the issue with PayPal, they have refused to correct it, saying that I need to take this matter to small claims court as they are no longer going to assist me. I provided all the necessary information for the dispute and canceled the reservation within the stipulated timeframe. This situation should have been straightforward to resolve, but I find myself caught in a frustrating predicament. 

Original Transaction ID for the purchase of {$140.00} : XXXX Second Transaction ID for the incorrect {$7.00} refund from PayPal : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-17 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO

Complaint narrative:
Columbia debt recovery LLC dba Genesis at XXXX XXXX XXXX, XXXX WA XXXX unlawfully reported to all credit bureaus agencies alleged debt as they claim for apartment complex in XXXX CO my previous residential place of living. Company listed above never notified me properly of what kind of debt were they trying to collect, suddenly after nearly 6 years for the first time I was notified from multiple federal agencies of collections placed on my credit as derogatory debt and that Columbia debt recovery LLC Genesis sold my information to third parties including dark web sites where my personal information are stored including social security number etc. I received one email from above listed company after they illegally already reported alleged debt to credit bureaus, I immediately replied and explained of what took place and that alleged debt is fraud. There was no response, in heated phone conversation service representative was injecting false claims without any legal factual evidence. He claimed debt was for unpaid rent which is not true because the XXXX XXXX XXXX in XXXX CO managed by XXXX breached the contract by sending 30 days move out notices and demand of move out notices meaning nobody cant continue residency there, owners and its managers broke the lease contracts not me, XXXX XXXX property manager sent move out notice to my door in XXXX, management by XXXX were engaging in deceptive practices and breaching Colorado warrant of Habitability Act. Apartment building was unfit for livable conditions and it was shut down by Federal Court order and its still shut down to this day. Owners knew even before that property was not fit for livable use, there was multiple lawsuits filed against them including criminal negligence for violating several federal and state laws. My unit was set up for automatic payments and the grand complex management unlawfully and fraudulently charged my bank account by withdrawing money without my knowledge or consent especially for the months I didnt reside on that property, therefore I had to escalate the case with local authorities and bank investigators investigated the case and concluded that management stole my money and they committed fraud. The grand apartments and its owners including management breached the legal contract not me they requested to move out and sent legal documents and demands to move out within 30 days and unlawfully continued to charge people for rent where we didnt live anymore, thats why they were sued. Columbia debt recovery Genesis violated FDCPA 15 U.S. C. 1692 ( j ) ( d ), therefore if immediately such fraudulent account is not removed from all credit bureaus I will immediately proceed with legal action against Columbia debt recovery LLC Genesis at XXXXXXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My brother became XXXX he gave me power of attorney before he got sick they cut his leg so he went to a XXXXXXXX XXXX  until he get his XXXX I went to the bank because I need to pay the XXXXXXXX XXXX the first time I access the bank they told me that how he got sick so quickly I took the Dr report and letter then they say the letter from the notary I did that and they still have me waiting is bad because my brother need his money can you help me the media will eat this up for breakfast that will be my next step thank you XXXX bless you and your angels watch over you always my name is XXXX XXXX XXXX my brother name is XXXX XXXX XXXX XXXX hope you can help really really need your help so I can pay his XXXXXXXX XXXX the reason I can't bring him home is because I have a coop no elevator my brother have XXXX  3 times a week if I bring him home with XXXXXXXX XXXX he would not go to XXXX then he's going to end up in the hospital and is not going to be easy for me XXXX blessing

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 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have received a copy of my credit report with the intentions of trying to improve my credit and take care of my applications and noticed if you accounts that I want it explanations for. Im not saying they reporting right or wrong. Im just saying that I am sure they are reporting wrong. I also read something called the fair credit reporting act which is sad by law I have the right to challenge anything I am not sure is accurate. And once I started to contact the reporting agencies to dispute some of the things that were on my credit report it seem as if they updated their information with my information that I was giving them. 

I also thought that all three of the credit beaur were supposed to be report the accurate/same information. My reports are not showing the same information In accordance with the fair credit reporting act XXXX  account XXXX for XXXX, XXXX, and Equifax 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 an account without my written instructions.

15 U.S.C 1681i ( a ) it states if you can not provide proof accounts must be deleted.

15 U.S.C 1681s-2 ( F ) ( ii ) it states that if the credit obligation or account was delinquent before the pandemic ( aa ) the account must maintain the delinquent status doing the period in which the pandemic is in effect. 
( iii ) it states that no changes should be made to a charged off account. 
I would appreciate it if these accounts accounts are deleted if they are not 100 % right and accurate/correct. Could you please check on these accounts and get back with me? I also saw on the credit site in XXXX where you have 30 days to complete the investigation please investigate the following accounts and remove them if anything is missing or not correct on them. 

Thank you in advance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have received a copy of my credit report with the intentions of trying to improve my credit and take care of my applications and noticed if you accounts that I want it explanations for. Im not saying they reporting right or wrong. Im just saying that I am sure they are reporting wrong. I also read something called the fair credit reporting act which is sad by law I have the right to challenge anything I am not sure is accurate. And once I started to contact the reporting agencies to dispute some of the things that were on my credit report it seem as if they updated their information with my information that I was giving them. 

I also thought that all three of the credit beaur were supposed to be report the accurate/same information. My reports are not showing the same information In accordance with the fair credit reporting act XXXX account XXXX for XXXX, Experian, and 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 an account without my written instructions.

15 U.S.C 1681i ( a ) it states if you can not provide proof accounts must be deleted.

15 U.S.C 1681s-2 ( F ) ( ii ) it states that if the credit obligation or account was delinquent before the pandemic ( aa ) the account must maintain the delinquent status doing the period in which the pandemic is in effect.

( iii ) it states that no changes should be made to a charged off account.

I would appreciate it if these accounts accounts are deleted if they are not 100 % right and accurate/correct. Could you please check on these accounts and get back with me? I also saw on the credit site in Board where you have 30 days to complete the investigation please investigate the following accounts and remove them if anything is missing or not correct on them.

Thank you in advance

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