vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-11 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XX/XX/XXXX I went to XXXX XXXX to get my teeth checked and they offered XXXX XXXX XXXX XXXX XXXX. They said the total would be {$1000.00} and that I could sign up for a credit card through CareCredit ( XXXX XXXX XXXX, XXXX, XXXX XXXX ) if I needed a payment plan, which I did. So I signed up. I started getting monthly bills but never received the XXXX XXXX ever. I was so upset for having to pay for a product I never received that I asked XXXX XXXX to cancel the transaction. They said I no longer had any outstanding balance with them so I assumed it was over but then I continued getting bills from CareCredit/Synchrony Bank . I tried to dispute it with CareCredit and explained that I never received the XXXX XXXX but on XX/XX/XXXX they sent a letter telling me they will not settle because the trays are non-refundable. They continue to send me monthly bills to this very day, XXXX  months later, even though I have never received the trays or gum treatment paste.

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 2024-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This erroneous late payment on my account is causing me considerable distress, especially considering my history of punctual payments. I implore you to rectify this error promptly by removing it from my account, as it does not accurately reflect my payment habits.

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
CFPB Claim # XXXX submitted on XX/XX/2028 and Experian was unable to investigate and provide full disclosure as required by FCRA.

Accounts with multiples errors, violations, and inaccuracies. 
XXXX XXXX XXXX XXXX Account is repeatedly reporting C/O every month on XXXX, XXXX, XXXX. Re-aging the account is illegal. Account only reporting on Experian. XXXX do not report this account. -DELETE XXXX XXXX XXXX Experian is reporting account as discharged through Bankruptcy XXXX, XXXX, or XXXX. Unclear what type of bankruptcy and inaccurate data because Public Records do not show ANY Bankruptcy accounts on my credit file of Experian, XXXX or XXXX. DELETE XXXX XXXX XXXX Experian is reporting inconsistent payment history across bureaus. Account is reported as no past due balance and late at the same time. Incongruent data. Delete XXXX XXXX XXXX XXXX Double Jeopardy. Account is reported XXXX  times as Charge OFF on my credit file. Missing information about when/if account has been sold. Not reflecting XXXX balance if status is Charge OFF. A canceled debt is gross income and income does not get reported to the consumer report. Form 1099C must be issued. 
XXXX XXXX XXXX XXXX  Experian is reporting account closed and payment history showed is pay on time on XXXX, XXXX Account is missing information as credit limit, past due, and monthly payment. 
XXXX XXXX XXXX Experian is reporting account as Charge OFF, and Write OFF at the same time. Account repeatedly reporting C/O every month. Re-aging the account is illegal. 
XXXX XXXX XXXX Experian is reporting account as Charge OFF, and Write OFF at the same time. Account repeatedly reporting C/O every month. Re-aging the account is illegal.

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 2024-04-11 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: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
XX/XX/2024 To Whom this may concern, I am writing this letter to dispute the following account ( s ) falsely listed on my credit report with your bureau. My personal information was recently breached. I have highlighted the items in dispute on the attached copy of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
DCU does not provide customer support for people that are trying to reach their debt collection department. I have tried to call them on XXXX different days after I found that my debit card was not working. It is absurd to me that I dont have access to my money and there is nobody I can speak with to have an issue with my account resolved. They should be held accountable for not providing customer service while people are trying to manage their money. XXXX business days and I have had no success in reaching the collections department by telephone. They failed to respond to my emails. I believe DCU is lending in bad faith.

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 2024-04-11 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
In XXXX the investigation was proven that the XXXX late payments that were reported to all XXXX credit bureaus were inaccurate. It was supposed to be corrected on my credit report after XXXX  days but my credit score has not increased. The late payments were removed within that month but my XXXX credit bureau scores did not change. This investigation happened with Yard Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
XX/XX/2024 To Whom this may concern, I am writing this letter to dispute the following account ( s ) falsely listed on my credit report with your bureau. My personal information was recently breached. I have highlighted the items in dispute on the attached copy of my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
This complaint involves fraud. The company is COINBASE. Between XX/XX/XXXX and XX/XX/XXXX, I deposited {$3300.00} through my XXXX XXXX checking account. The email I used was XXXX. The problem began when I had to change my email address. That account literally disappeared.. Coinbase says they have no record of that account. I have tried EVERYTHING I can think of. I have spent many hours trying to resolve this. I have XXXX XXXX bank statements to verify my deposits.this is an urgent plea for help. I have already contacted the SEC and the FTCnobody can help me. This is FRAUD!. 
Please be advised that the mere sending of my comments to Coinbase will not help me in getting my money back. 
Thank you for anything you can do to help me! 
XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-11 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: PNC Bank N.A.
State: OH

Complaint narrative:
XX/XX/ I used my ATM/debit card at a stand alone ATM at the cruise port in XXXX XXXX XXXX This is the ATM to the left of the duty free shop. I went back to the cruise ship and decided to log into my bank app to see if my tax return had been deposited into my account. ( about 20-30mins after the ATM transaction. ) I noticed 2 problems : 1. The ATM says it was a {$10.00} fee for using the ATM and it charged me {$20.00}.

2. There was a charge on my card for {$2300.00} for XXXX XXXX I have no idea what XXXX XXXX is. I immediately called the bank to see if they could stop it, they said I had t wait for the transaction to completely post which would take a couple days. 

I also immediately shut my card off to prevent further issues. I went back to that ATM to look around and noticed every time someone approaches the ATM a lady with a board creeps over and stands next to it. Also I noticed on the WIFI of my phone there was a network called " guest. owned device '' side note : yes I had my card in my possession at all times I told the bank this info and they denied my dispute twice. Also they should be able to see that I have rarely if not ever used my debit card in that way ( ie to charge as a credit card type transaction ). I also can prove that I was using another credit card for everything else on that particular day. PNC bank is saying I can not prove it wasn't me more or less.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Kindly update my account this causing me a lot of stress and 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 2024-04-11 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: Opportunity Financial, LLC
State: NC

Complaint narrative:
I have items in my credit report that are not mine and I do not recognize. I feel I am a victim of identity theft. On my credit report there are the following items reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have contacted XXXX and XXXX and Im also in the process of contacting each company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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: TX

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2024-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX accounts were opened without my knowledge. 
Bank of America XXXX XX/XX/XXXX Bank of America opened XX/XX/XXXX XXXX opened 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 2024-04-11 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: FL

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. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Subject : Dispute of Unauthorized Hard Inquiries on My Credit Report Dear Consumer Financial Protection Bureau, I am writing to formally dispute certain hard inquires on my credit report that I did not authorize. Upon reviewing my report, I have noticed that there have been inquiries made by XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2023, 2 ) Huntington National Bank on XX/XX/2023, XXXX XXXX XXXX XXXX on XX/XX/2023 and XXXX XXXXXXXX XXXX on XX/XX/2023. NOTE : There was no space for me to include the address and last four digits of my social security number that this may be sent to XXXX XXXX XXXXXXXX. The address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX. Last four digits of social security # XXXX. 

I want to clarify that I did not give permission for my credit to be run by these entities, and I am concerned that these inquiries have negatively impacted my credit score. I request your assisatnce in investigating this matter and ensuring that these unauthorized inquiries are removed from my credit report.

Please let me know what steps I should take next to resolve this issue, and if there are any forms or additional documentation I should provide.

Thank you for your time and assitance in this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I noticed this problem on XX/XX/XXXX Hard Inquiries : XXXX  inquiry date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX  Inquiry date XX/XX/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 2024-04-11 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XX/XX/2024, a transaction in the amount of {$1200.00} was processed on my account. On XX/XX/2024, a transaction in the amount of {$1000.00} was processed on my account. These transactions were unauthorized, and were disputed to the financial institution. It was initially ruled in my favor, and the transactions were reversed. However, the financial institution decided to change this decision and reverse the initial credit. I have made several attempts to contact the financial institutional over the past months, but have not received a proper resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-04-11 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: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I have items in my report that are not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX midland credit management

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I have items in my report that are not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I was looking at my credit report and noticed that there were hard inquiries that are not mine on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: HYUNDAI CAPITAL AMERICA
State: WI

Complaint narrative:
My deceased husband passed away on XXXX XXXX XXXX  in an accident. I contacted Kia Finance and gave them this information, a copy of his death certificate and our marriage certificate. There was not a will, trust or probate due to the assets being below XXXX XXXXXXXXHe did not include me on the lease however, he did sign the Marital Purpose doc indicating that he is married to me and that I'm responsible should he not make the payments. I've been paying the lease from my account since XXXX passed away. Kia Finance is now saying that they never received the documents 2 1/2 years ago. I've sent them the docs 2 more times. The lease is up on XX/XX/XXXX. I have been trying to get the amount required to buy the vehicle and where to send it. They will not give me that information. They insist that I need to go to probate however my attorney and the County Court system is saying that probate is not required due to the few assets. I've contacted Kia XXXXXXXX XXXX XXXX  and they will not help resolve this either. 
I am a single mother of XXXX XXXX XXXX XXXX XXXX XXXX. I think they want the vehicle back and I will be left without a car. PLEASE help me!! I'm desperate.

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 2024-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I deposited a check that was sent to me. I made the deposit at PNC Bank. I was asked to send a wire transfer for {$10000.00}. I sent the wire transfer right after depositing the check. I went back to the bank a few days later and asked why the account was flagged for fraud and the bank said the check was no good. There were no funds. I can't remember who sent the check, or made the request. It's been over 2 years and this was during XXXX.

Company response to consumer: Closed with explanation