vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-26 00:00:00
Product: Credit 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: DISCOVER BANK
State: OK

Complaint narrative:
On XX/XX/XXXX, I was informed by Discover fraud alert system that there are two potentially fraud charges made by my Discover credit card, {$25.00} each, to XXXX XXXX. As I checked and confirmed, they were indeed fraudulent charges, as I did NOT authorize any payment made to XXXX XXXX that day ( or any day, at all ). 
Shortly after that, I was locked out of my account, and had to call Discover Fraud line to unlock online access to my account. At that time, the fraud agent told me I could not do anything yet since the transactions are still pending, and had to wait till they're posted before I can dispute them. Then I got a message saying I confirmed the two fraudulent charges are valid. I assume the message is initiated by the Discover fraud agent unlocking my account. 
Then, once the fraud charges are posted, I disputed them. At first, Discover added temporary credits. However, one of the disputes was resolved AGAINST my favor after 3 weeks, stating that the transaction was valid. I contacted dispute center via chat messages and was informed that someone named " XXXX XXXX '' made the transaction. I do not recognize this person nor authorize any transaction made by any " XXXX XXXX '' at all. The dispute agent said I should contact Discover security team, so I did, and my Discover credit card was closed and changed to a new one ( finally confirmed being shipped to my address a WEEK later- I haven't even received the new card yet ). 
Today is XX/XX/XXXX, and both disputed charges are now REPOSTED on my new credit card account. I'm still being held accountable for those charges that I did not authorize on XX/XX/XXXX. 
In the past, I remembered clearly that I was once a victim of fraudulent charges on my Discover credit card and got my card replaced, but the process was very quick, within a week or two, and the fraudulent charges are immediately cancelled. As a long time Discover customer since XXXX, I was baffled by the change Discover now handle fraudulent charges. I could not overstate how disappointed I am with the current way Discover is resolving disputes. I still want to give Discover a chance to remediate this issue. Mark my words : if the disputes are not resolved in my favor within two weeks ( before XX/XX/XXXX ), I'll start transferring my money to different bank and close all of my Discover accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX, I discovered a check withdrawn from my account that I certainly didn't write. Further investigation revealed that these checks, bearing neither my signature nor address, have been periodically debited from my account since XX/XX/XXXX. The amounts, all under {$500.00}, were made out to 7 different individuals and deposited in various California banks. Unfortunately, as I primarily bank with Truist due to my business account, I overlooked this activity in XXXX and XXXX, months of significant spending. However, the bulk of the withdrawals occurred in XXXX and XXXX and the total amount stolen is close to {$9000.00}. Despite filing a fraud report with Truist and a police report with my local PD, Truist deems all NINETEEN transactions as one and refuses to refund any of the stolen funds, citing my belated discovery on XX/XX/XXXX. This is an outrageous and reprehensible way to treat a long-standing customer, absolving themselves of responsibility for safeguarding my funds, which is their primary duty.

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 2024-02-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
Sent a Debt Validation letter to JEFFERSON CAPITAL SYSTEMS which was ignored but XXXX was able to verify the debt as accurate without providing a report or evidence that the company was able to verify the collection as accurate. I was recently a victim of Identity theft and I notified XXXX of this event but the report was verified as accurate extremely quickly. I believe no investigation was done, because XXXX investigated the same debt collector and determined that the collection was not valid. XXXX did not do its due diligence on this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 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: VW Credit
State: FL

Complaint narrative:
I have request an investigation of VW CREDIT INC on my credit report. The charge-off of an obligation with VW CREDIT INC is incorrect the following is the identifying information of the error { Account number : XXXX, Date of incorrect reporting XX/XX/2020 }. The creditor misreported my account. 15 U.S Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading or meaning in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is violation of this section. 

If, after any reinvestigation under paragraph ( 1 ) of information disputed by consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) Promptly delete that information from the consumer, or modify that item of information as appropriate, based on results of the reinvestigate, and

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 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: MD

Complaint narrative:
TransUnion has been reporting income on my consumer report and I have attempted on multiple occasions to resolve this issue. Per IRS 1099c is to file my income on my tax returns. I provided all of the information to TransUnion XX/XX/XXXX I was told the issue would be resolved at the end of XX/XX/XXXX. I called in to check the status and I was told that the last rep didn't upload any of my information and everything would be updated XX/XX/XXXX. When I called XX/XX/XXXX I was told XX/XX/XXXX everything would be resolved ... ..again. TransUnion has been using this stall tactic but I have proof of filing the following XXXX XXXX {$8300.00}, XXXX {$8700.00}, XXXX {$7300.00} everything has been filed this is income not debt. Also I never asked TransUnion for any verification in any of my complaints so the generic response of " been verified '' I'm not asking for that.

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 2024-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
IVE recently checked my credit report and noticed some inaccurate accounts reporting.

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 2024-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
On XX/XX/year> I reviewed my consumer report and I noticed some fraudulent and inaccurate information being furnished by BRIDGECREST FORMERLY XXXX I do not know where this account came from. I have never consented to a consumer credit transaction with this corporation the grants them the right to have my personal information. I never received anything informing me of this alleged debt. According to 15 USC 1692g validation of this debt is required furthermore 15 USC 1692f states that unfair practices are a violation of my consumer rights. I have never received any evidence of indebtedness and the information being furnished is inaccurate the dates don't match up across all 3 major consumer reporting agencies XXXX, XXXX, XXXX and according to 15 USC 1681e ( b ) accuracy in a consumer report is required by federal law. I have attached my identity theft report along with a picture of my consumer report to help prove my case. The account status is charged off however there is still a balance being reported which again is inaccurate. If the account was charged off as a profit and loss account for this creditor why is a balance still listed the overall account is inconsistent.

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 2024-02-25 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: MS

Complaint narrative:
I was looking over my credit report and saw I had some accounts and addresses that wasnt mine am a victim of identity theft. Account XXXX XXXX XXXX XXXX account number XXXX and XXXX XXXX account number XXXX these are not my account. Please delete these accounts immediately. 15 U.S.C 1681 section 602 A.States l have the right to privacy. 15 U.S.C 1681 section 2 states a consumer reporting agency can not furnish a account without my written instructions.I also sent in a police report to delete all own addresses I never stayed at XXXX XXXX XXXX XXXX XXXX, OH XXXX or XXXX XXXX XXXX XXXX XXXX XXXX, Tx please delete addresses immediately

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 2024-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On Tuesday, XX/XX/year>, four withdrawals for {$1000.00}. Each were taken from my checking account and sent to XXXX. I did not authorize these withdrawals and informed the bank. The bank told me the charges were pending and the money had been sent, but that I can get my money back by notifying the fraud department. I did that two days later. I filed a complaint, saying that I did not authorize these withdrawals. I was told by the bank later that my claim was denied because I had done business with XXXX in the past. I received a letter from the bank, saying they would not refund any of my money.

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 2024-02-25 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, has violated my rights. 

15 U.S.C 1681 section 602 A. States i have rights to privacy.

U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 U.S.C 1681c. ( A ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-25 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, has violated my rights. 

15 U.S.C 1681 section 602 A. States i have rights to privacy.

U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 U.S.C 1681c. ( A ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I filed for XXXX  XXXX bankruptcy in XX/XX/XXXX. I had a credit card account with XXXX XXXX XXXX XXXX XXXX at the time and the card was included in the bankruptcy as unsecured debt. My plan of reorganization was approved in XX/XX/XXXX and payments began in XX/XX/XXXX. I have made all required payments to XXXX XXXX per the plan and continue to do so. XXXX XXXX continues to report the account with a large past due balance, late payments, charge off, and other derogatory information after my bankruptcy filing in violation of the confirmed plan. This debt is satisfied per the bankruptcy plan of reorganization and no information should be reported after XXXX of XXXX per bankruptcy law. At that time the account was current and always paid on time. I have disputed this inaccurate information with Experian providing bankruptcy documentation as evidence, but XXXX XXXX refuses to accept that their behavior is incorrect and illegal. As a named creditor, XXXX XXXX received all of the relevant bankruptcy documents while the case was open. Because of their actions, my credit score continues to suffer, and I am unable to repair my credit as afforded by my bankruptcy petition filed almost 7 years ago.

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 2024-02-25 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: CA

Complaint narrative:
Dear Transunion, I have been going back and forth with you and the creditors, you claim that these accounts are verified, How? Show me your method of verification. You are NOT conducting a proper investigation to leave inaccurate accounts on my credit file. A proper investigation requires calling and speaking to people not simply parroting information back from the creditors, You are in violation of my consumer rights. These accounts have been removed by your bureau, before in the past and they reappeared on credit file with the same incorrect information. You claimed my disputes are frivolous yet you wont do a proper investigation on these accounts. I have contacted these creditors directly and the information they have does pertain to me, yet they claim it is mine. I am asking for you to STOP violating my consumer rights by reporting these accounts inaccurately and remove these accounts at once

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 2024-02-25 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: ACIMA CREDIT, LLC
State: MS

Complaint narrative:
I was looking over my credit report and saw I had some accounts and addresses that wasnt mine am a victim of identity theft. Account ACIMA DIGITAL XXXX XXXX account number XXXX and XXXX XXXX account number XXXX these are not my account. Please delete these accounts immediately. 15 U.S.C 1681 section 602 A.States l have the right to privacy. 15 U.S.C 1681 section 2 states a consumer reporting agency can not furnish a account without my written instructions.I also sent in a police report to delete all own addresses I never stayed at XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX or XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX  please delete addresses immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I applied and received a Synchrony sports credit card, and I have been making payments on auto pay, somewhere in XXXX of last year my credit score took a dip, so Singh decided to close the account, further hurting my credit score. At this point, I had not missed a payment. a promotion ended for a balance of {$700.00} that needed to be paid for the promotion but instead of charging the penalty to the balance, they charged it to the entire balance of the credit card. Therefore, adding another XXXX dollars to the balance. This seems counterintuitive and counterproductive to Synchrony closing the account so I wouldnt go further in the debt but then they charge me {$1000.00} worth of interest, I think that that is robbery, immoral and unethical on all levels of business. Im sure this was stated in the 3000 word essay in the contract for the terms and agreement. However, in the normal practice of consumer and retail nobody ever has that time to read that again all of this seems very suspicious.

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 2024-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I've stayed at two different XXXX XXXX locations in the XXXX, CA area. Each time I stayed, they held a {$50.00} authorization from my account. For instance, {$150.00} was deducted from my account, with {$50.00} being held as authorization. This hold should typically be released within 24 to 48 hours after check-out. However, it's been over 25 days now, the hotel has been paid, but Venmo still has my money on hold. I shouldn't have to wait to get the money back that I earned and they have a hostage on. This has caused a financial burden on me as well as upon my friends

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 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: VA

Complaint narrative:
In accordance with The fair Credit Reporting act. The list of accounts below has violated my federally protected consummer rights to privacy and confidentiality under USC 1681. I told XXXX, Transunion, and XXXX to reinvestigate these accounts XXXX XXXX XXXX However, they stated was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. ACCORDING TO 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporthing correctly. 15 U.SC. 1681 section 602 A. States i have the right privacy. 15 U.S.C. 1681 SECTION 602 A. States 2 : it alson states a consumer reporting agency can not furnish in an account without my writtten instructions 14 U.S.C. 1681C. ( A ) ( 5 ) Sections 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 anetedates the report more than seven years.15 U.S.C . 1681S-2 ( A ) ( 1 ) A persom shall not furnish any information relatimg to a consumers to any consumer reporting agency if the person knows or has reasonable cause to belive that the information is inaccurate. Also they arent even in compliance with metro 2 credit reporting. i have evidence to prove my case

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 2024-02-25 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 A Section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end 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