vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
Hello! 
I checked my credit yesterday and noticed that an address where I have not lived before popped up on my credit. Then today, I noticed that my credit dropped XXXX points. I saw it was from National Credit Systems. I sent two emails describing that I am a victim of Identity Theft due to my mother taking out credit cards and now rent, in my name. I have yet to get a reply from them. I have been calling and no one is answering. ( The number on the site. ) On my credit it said it originated in XXXX, but it is just now popping up on my credit. My mother passed in XXXX, and I am still dealing with the consequences of her taking stuff in my name. I already have the identity theft report on my credit. I am XXXX XXXX military and I have been XXXX XXXX since XXXX. I just came back to the states less than XXXX XXXX  ago. Attached is the report as well as my orders stating I do not live there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
I didn't get anywhere with the company they want my ss # so they can't help me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ; XXXX - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ; XXXXXXXX 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  ( Original Creditor : XXXX XXXX XXXX XXXX ) ; XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 non-monetary relief
Consumer complaint received 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax is knowingly reporting INCORRECT information on my credit report. 

The federal Fair Credit Reporting Act ( FCRA ) promotes the ACCURACY, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies ( such as agencies that sell information about check writing histories, medical records, and rental history records ). Here is a summary of your major rights under the FCRA. For more information, including information about additional rights, go to www.consumerfinance.gov/learnmore or write to : Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX, Washington, DC XXXX. 

XXXX XXXX XXXX is being reported with a 30 day late on XX/XX/2022. 

THIS is incorrect and the creditor has sent in the information to them specifying that this was an INCORRECT report and should be updated with NO 30 DAY LATES. 

Please see attached paperwork from the creditor which is exactly the same form sent in to Equifax demanding a correction on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
Citizens Bank performed an unauthorized balance transfer on two of my XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/2022. The credit cards were XXXX and XXXX. XXXX transfer was for {$9000.00} and the other was for {$16000.00}. 

I am not a customer of Citizens Bank and did not authorize these balance transfers. Citizens Bank was not able to provide any information about these transactions as I am not a customer and have no accounts there. 

I disputed the transaction with XXXX XXXX XXXXXXXX, but they claimed that I must have authorized the transaction. I do not understand how I could authorize a transfer to Citizens Bank when I am not a customer or card holder at Citizens Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2023-03-03 00:00:00
Product: Credit card or prepaid card — Store credit 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: FL

Complaint narrative:
I had a fake charge in the amount of {$4.00}, Reference Number XXXX placed on my Amazon Card number ending in # XXXX, XX/XX/2023 at XXXX. 
I did not make this purchase. 
There is no record of this digital purchase on my Amazon account. 
I filed a dispute with Synchrony Bank on XX/XX/2023. 
I wrote to Synchrony bank filing a dispute to state that I did not make this charge, the charge is fake since it does not show up on my Amazon account, Amazon Payment Solutions rep " XXXX '' confirmed this today. 
There is no legitimate activity number because Synchrony Bank made the error ; therefore, XXXX can not make any progress to fix this. 

I called Synchrony bank today Friday, XX/XX/2023 at XXXX, Yesterday, Thursday, XX/XX/2023 at XXXX, and Tuesday, XX/XX/2023 at XXXX, to report the charge is not mine, and {$4.00} remains on a new account that I did not request- I have no new card for the new account, and the XXXX reps do NOTHING to fix the erroneous charge. 
I am being sent payment reminders for a charge I did not make. 
I have not been able to use my Amazon Card account since XX/XX/2023 since Synchrony Bank closed my account ending in # XXXX. 
Synchrony Bank made a new account # XXXX to which I have NO CARD associated with this account!!! 
And the fake charge is on the new account!!!! It has not been removed. 

Synchrony Bank has been preventing me from making purchases since XX/XX/2023 since I have no Amazon Card associated with the new account they made!!

This is complete incompetence and has created grief that I have endured each time I have tried to get this charge off my Amazon Card account.

Attached to this complaint are 3 screenshots proving there is a fake charge Synchrony Bank made the error, and no orders on my Amazon account in the last 3 months.

And the email sent from Synchrony reminding me to pay the fake charge. 

I want my account # XXXX reinstated. My Amazon Card ending in numbers XXXX is the card I have in my possession. REINSTATE MY ACCOUNT 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 explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following accounts on my credit report. I have reviewed my credit report and found inaccuracies that require your attention. 

XXXX XXXX - Late Payment Account XXXX XXXX - Charge Off Account XXXX XXXX - Charge Off Account XXXX XXXXXXXX - Charge Off Account XXXX XXXX - Charge Off Account XXXXXXXX XXXX XXXX  XXXX - Charge Off Account XXXX XXXX  XXXX - Charge Off Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Collection Account XXXXXXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Collection Account XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX - Collection Account XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX - Collection Account XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX ) XXXX - Collection Account XXXX XXXX XXXX Original XXXX : XXXX XXXX XXXX ) XXXX - Collection Account XXXX XXXXXXXX - Charge Off Account XXXXXXXX XXXX XXXXXXXX - Charge Off Account XXXX XXXXXXXX - Collection Account XXXX XXXX XXXX XXXX - Charge Off Account XXXX XXXX XXXX - Charge Off Account XXXX XXXXXXXX - Charge Off Account XXXX XXXXXXXX - Collection Account XXXX XXXXXXXX - Collection Account XXXX XXXX - Collection Account XXXX  XXXXXXXX - Collection Account XXXX  XXXX XXXX - Charge Off Account XXXXXXXX XXXX XXXX - Charge Off Account XXXX  XXXX - Collection Account According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccuracies on my credit report. I am requesting that you investigate these accounts and provide me with written proof of the validity of these accounts. 

I also request that you contact the original creditor and obtain proof that they have authorized the collection agency or credit bureau to collect on their behalf. If you can not provide me with this proof, I request that you remove these accounts from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following accounts on my credit report. I have reviewed my credit report and found inaccuracies that require your attention. 

XXXX XXXX - Late Payment Account XXXX XXXX - Charge Off Account XXXX XXXXXXXX - Charge Off Account XXXX XXXXXXXX - Charge Off Account XXXX XXXX - Charge Off Account XXXXXXXX XXXX XXXX XXXXXXXX - Charge Off Account XXXX XXXX XXXXXXXX - Charge Off Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Collection Account XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX - Collection Account XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX - Collection Account XXXXXXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX - Collection Account XXXX XXXX  ( Original XXXX : XXXXXXXX XXXX XXXX XXXX  ) XXXX - Collection Account XXXX XXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX - Collection Account XXXX XXXXXXXX - Charge Off Account XXXXXXXX XXXX XXXXXXXX - Charge Off Account XXXX XXXXXXXX - Collection Account XXXX XXXX XXXX XXXX - Charge Off Account XXXX XXXX XXXX - Charge Off Account XXXX XXXXXXXX - Charge Off Account XXXX XXXXXXXX - Collection Account XXXX XXXXXXXX - Collection Account XXXX XXXX - Collection Account XXXX XXXXXXXX - Collection Account XXXX  XXXX XXXX - Charge Off Account XXXX XXXX XXXX - Charge Off Account XXXX XXXXXXXX - Collection Account According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccuracies on my credit report. I am requesting that you investigate these accounts and provide me with written proof of the validity of these accounts. 

I also request that you contact the original creditor and obtain proof that they have authorized the collection agency or credit bureau to collect on their behalf. If you can not provide me with this proof, I request that you remove these accounts from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2023-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
I went to open an account at another bank XXXX XXXX They declined me because of error at an old bank I was unaware of until I inquired about the issue. Apparently someone tried to charge something to my forrmer account which had a balance of {$17.00}. First National Bank of PA declined the charge and charged fees on the overdraft. I called them today and they referred me to some collection agency where they placed the charges. I called them twice and they cut me off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: 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. 
XXXX Accounts #, XXXX dated XXXX dated XXXX dated XX/XX/2018, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
On XX/XX/2023 a Checking account was open using my personal information. I contacted the company about this matter but couldnt get in contact with anyone over the phone so I went into a branch, they informed me the someone used my personal information to open an account online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
I spoke to XXXX XXXX on XXXX between the times of XXXX from Sequium collection agency. I was told if I paid the amount in full he would send over an emailed letter stating it would be sent over to the credit bureaus for request of deletion. I asked him if " request for deletion '' would be on the letter and he said yes if I paid in full today it would be on there. I ask a couple times before I paid cause it was important to have that information on the letter along with the company name. I received the letter but the information promised was not in the letter. I have not been able to get In touch with XXXX XXXX since. I've spoken to other managers trying to get in touch with XXXX XXXX and I was first told he was in a meeting and he would call me back, after not receiving a phone call I called again and was told he wasn't in the office that day. When I call the number XXXX XXXX gave me XXXX it says the number is disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX XXXX, 2023, my client, XXXX XXXX, utilized the XXXX payment platform to transfer {$170.00} from his Bank of America account to my XXXXXXXX XXXX account as payment for services rendered. The provided information for the transaction was accurate. Although I have successfully received both before and after XXXX payments, I have yet to receive this specific payment. While the funds were deducted from my client 's account, they were not credited to mine. I have attached two screenshots containing my XXXX information and transaction details, including the XXXX Transaction number, which should facilitate tracing the transaction. I have contacted my XXXX XXXX  regarding this matter, but they reported no transaction history or pending activity. Additionally, I contacted the Bank of America XXXX support line, but they were unhelpful and advised me to contact my bank, which I had already done. It is crucial that this matter is resolved as all previous XXXX transactions have been instantaneous. Failure to address this issue could lead to the perception that either Bank of America or XXXX has engaged in fraudulent activity. 

XXXX Confirmation # 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 2023-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: FL

Complaint narrative:
XXXX put a collection on my credit report after three years of it not being on there. 

ICSystems is the credit agency with the debt currently, that I paid off. 

ICSystems " said '' they sent me a letter before it went to my credit report. I've had the same address for the last 4 years and no letter was received. IF I would have received it, I would have taken care of the debt " before '' it hit my credit report if it were even valid. 

Maybe they should have sent it certified or something before they ruin someone's report after they " say '' they sent a letter, not knowing if it will get to me on time, if at all. 

I also talked to the CSR on the phone when making a payment and I want this line to come completely OFF my credit report, not just updated as paid. 

I've filed an FCC complaint against XXXX for shady business practices,, as they " recalled '' this debt THREE years ago after I tried to pay it off, then yesterday I wake up and the debt is on there from ICSystems. 

I never received ANY notice from ICSystems and I don't believe they even sent a letter to my address that I never received.

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 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The property was sold in short sale via bankruptcy and we meet all criteria as agreed by court and judgement and they are still marking credit as delinquent mortgage. It has caused me harm I can not get credit or refinance my house. I am an XXXX XXXX XXXX XXXX who has been trying to handle this sense XXXX and now my personal assistant has been on them sense XXXX when they started marking my credit again the house sold in XXXX see all docs attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ; XXXX - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) ; XXXX - XXXX XXXX ; XXXX - XXXX XXXX  XXXX ; XXXX - XXXX  ; XXXX - XXXXXXXX XXXX ; XXXX - XXXX XXXX  ; XXXX - XXXX XXXX XXXX  ( Original XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ) ; XXXX - XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) ; XXXX - XXXX XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

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

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