vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-24 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: EQUIFAX, INC.
State: KS

Complaint narrative:
In accordance with Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX, Account # : XXXX Account name : XXXX XXXX, Account # XXXX Account name : XXXX  XXXXXXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX, Account # : XXXX Account name : XXXX - XXXX XXXX, Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX -15 U.S.C. 1681 section 602 A. States I have the right to privacy.

-15 U.S.C. 1681 section 602 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 the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc.
State: CA

Complaint narrative:
We have sent two letters in the mail one sent in XXXX of XXXX and another on XX/XX/XXXX that was sent with certified mail XXXX XXXX XXXX XXXX XXXX XXXX. We told the debt collector that we have no knowledge of the debt and requested invoices to provide. We also tried to call them on the number listed on their invoice but always got disconnected. This company continues to send us a bill and does respond to our letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: CA

Complaint narrative:
I just received ANOTHER bill for a debt that was paid in full. I have filed TWO previous complaints about this very same bill and yet they keep selling this bill to new debt collectors trying to extort me again. This is the THIRD time I am contacting the CFPB asking for help for this same bill. Please see my prior complaints : # XXXX & # XXXX for reference. A new bill arrived, and they called my cell phone, demanding another {$760.00} for a bill from 2016. I already paid all outstanding bills off completely several years ago. Yet, now another bill for the same amount {$760.00} and the same date as in the last complaint XX/XX/16 appears again! Please see the prior two complaints filed with CFPB for details. Please stop these extortionists from ruining my credit again. They wait a few years and reproduce the same bills with the same dates and the same amounts. The original bill was from XXXX XXXX XXXX XXXX XXXX XXXX and was paid in full years ago. This same bill was sold several times to different debt XXXX and is now with Phoenix Financial Services who purchased this from XXXX XXXX XXXX, the last debt collector who tried to extort me until the CFPB got involved and they voided the bill only to sell it again to another debt collector. I am very grateful for the CFPB and for helping me out in the past. I would be lost and my credit destroyed if it weren't for the CFPB. I've been working hard for years to re-build my credit yet these sharks are out there trying to destroy me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
Portfolio started report a debt that I did not own. Originally debtor per the credit report a bank that I never dealt with. Account was opened in 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
A bank account was opened in my name without my knowledge. This bank was XXXX XXXX. I assumed their initial notification of a new account with them was a scam or some sort of advertising. Soon after XXXX XXXX  notified me of an account under my name with a negative balance of {$1800.00}. I filed a police report that day ( XXXX XX/XX/2023 ) and it has since been referred to a detective unit. 
The statement shows this was done using Zelle. I do indeed have a Zelle account but with XXXX XXXX and it has seen very little use. I contacted Zelle and XXXX XXXX. XXXX XXXX  XXXX fraud department informed me it was likely that my social security number was used to open an account. Zelle would not divulge any details to me. They informed me I had to contact XXXX Bank, even after I informed them I have never set up an account with XXXX Bank. The account was created by someone else. 
This is currently able to threaten my security clearance process as it proceeds for a new federal position leaving me without employment, or /and it could keep me from procuring housing in the future as the account in question has been referred to XXXX XXXX XXXX XX/XX/2023. 
After this Zelle incident occurred I was informed by the XXXX XXXX  XXXX XXXX department to place an alert on my credit report which I did. I received notification shortly after that a XXXX report was pulled for a XXXX or XXXX affiliate account application ( XXXX XX/XX/2023 ). I was able to quickly call and stop this. I then froze all three credit reports. 
It occurs to me that Zelle in some way had an information breach I was not notified of, leaving me with no ability to defend myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-03-24 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: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Credit reporting, credit repair services, 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:
I AM WRITING DELETE THE FOLLOWING INFORMATION IN MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM VICTIM OF IDENTITY THEFT, I DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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: EQUIFAX, INC.
State: MA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-03-24 00:00:00
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Barclays credit card charge me for services wrongfully applied. I have tried to resolve the problem since XX/XX/2022. I have been verbally abused and even disconnected various time. I have also called and spoken to various employees from XXXX XXXX XXXX XXXX XXXX and from cfpb.gov/debt-collection and nothing has been done. It has been 9 months and Im still being harassed by the credit card company and being charged late fees.

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 2023-03-24 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Reporting Act. The List of accounts below has violated my federally protected rights to privacy and confidentiality under U.S.C. 1681. 

XXXX XXXX XXXX XXXX Acct # XXXX, First Premier Acct # XXXX, XXXX XXXXr Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX Acct XXXX XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX  XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX Acct XXXX XXXX, XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX 15 U.S.C. 1681 Section 602A States I have the right to privacy.

15 U.S.C. 1681 Section 602 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 adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681-2 ( 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 inacurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
This " company '' Caine and Weiner is trying to collect a XXXX debt for progressive insurance. I have never in a hundred years had an insurance policy that was XXXX dollars. I have tried for years to actually speak to someone at this company but only get voice mail. I have repeatedly asked this company to send me something, anything to show why they think I owe them money and they have never responded. I am at my wits end. I have disputed this and they just play games and say it is legitimate without providing any proof. They literally have not sent me any documents or proof that I owe them money and they absolutely refuse to return my calls. This has been going on for several years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/2023 I went to the XXXX store in XXXX FL and made a purchased for {$1600.00}. I was given an extra discount for being a XXXX XXXX Customer and the total purchase was more than {$1500.00}. While walking out we noticed they had charged a 5 gallon paint at regular price when it was marked down. We returned and they apologised, refunded the item and re-do the purchase at the discounted price. 
Two days later, on XX/XX/XXXX, I received a notification from XXXX about a charge. I called the store to ask what is was about it, they said they didn't know and that I should call synchrony bank to find out. 
I called Synchrony credit services and they didn't know what the charge was either but went ahead and canceled my credit card and issued a new one. At that moment I lost access to all my transaction history. Four hours later I called the store and cancelled the items I had purchased ( they were appliances and had not been delivered ). When the transaction was canceled, they told me the " mystery '' charge disappeared from their system, proving that it was related to that purchased. 
Few days later, Synchrony had not issued the refund for the cancelled appliances. I called them several times and they said they had to investigate the matter. I went to the XXXX store and brought my paper receipt. They called Synchrony bank and sent them the receipt. At the same time they showed me a transfer balance they were doing to my new account. I told them I had made that payment on XX/XX/XXXX. Then they said it would take few days to update on the new account. 
From XX/XX/XXXX that Synchrony cancelled my credit card, they didn't give me any access to my transaction history. 
Just today, I found out, they posted a {$690.00} balance transfer form my previous card. I called them I told them that was an error and mentioned the payment done on XX/XX/XXXX. They said they couldn't do anything about it but send me the statements and I could then dispute it. 
Payments I made : XX/XX/2023 paid {$2300.00} ( They said that was the full amount owed ) Purchased after that. This information was provided by phone today by one of Synchrony credit services account manager. 

XX/XX/XXXX : {$37.00} XX/XX/XXXX {$110.00} XX/XX/XXXX {$13.00} XX/XX/XXXX {$320.00} XX/XX/XXXX {$240.00} XX/XX/XXXX : Paid {$710.00} All purchases done after XX/XX/XXXX were with the new card and are correct but the balance transfer of {$690.00} from my previous card is incorrect. My payment of {$710.00} posted the same day they close my account and their system marked it as balance when I actually paid it off. 

The cancelled credit card that the balance was transferred from last 4 digits are : 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 2023-03-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Block, Inc.
State: LA

Complaint narrative:
emotional distress, embarrassment, ridicule, loss of reputation and humiliationXXXX XXXX ss XXXX Right of Rescission never was notified Ask for verification of debt never notified 15 U.S.C 1611 violations 15 U.S.C 1692 violations 15 U.S.C 1681 violations Never told the contract Proof in attachment I wish to use my right to rescission to rescind the fraudulent contract " Litigation- I never been supplied proof of the Alleged Debt therefore exists ''. I ask to provide me with the fraudulent transaction contract and outline the Alleged Debt and/Or amounts Cash app violated the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
I stayed at the XXXX XXXX XXXX XXXX XXXX on an extended stay with a charge of {$120.00} per night from XX/XX/XXXX through XX/XX/XXXX. 

Over the course of this time, more than {$6000.00} in unauthorized charges were assessed onto my debit card by XXXX XXXX, XXXX XXXX XXXX. Most recently, I used my XXXX XXXX points to stay the last 10 - 12 days. XXXX XXXX, received over {$400.00} per night from my points and I was guaranteed a {$0.00} balance due for these days. However, I learned that after we checked out again without authorization or a balance due of any kind he drained my bank account of all but {$210.00}. Today, my balance is {$0.00}. He charged in total for the entire stay, over {$50000.00}, of which at least {$6000.00} was unauthorized. 

I have reported this to my bank and have also copied my bank on my email to XXXX XXXX asking for him to immediately reverse the most recent charge, which happened after my XX/XX/XXXX checkout. 

He has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-03-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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