vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
SchoolsFirst is reporting misleading information on my credit report. I have been disputing this inaccurate account for months now and they keep reporting it, which is harming my ability to get an apartment for my children. I feel taken advantage of and as a consumer in law this is grounds for me to get compensated for these violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: IL

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 2023-11-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: AP

Complaint narrative:
Ulta Beauty Credit Card was at XXXX balance prior to statement date. On the date of statement an " interest fee '' was charged to the XXXX balance. When I asked for them to send me an email explaining the legality of adding interest to a XXXX balance they stated they could not do it however it was a legal valid charge. I asked for the fee to be removed and for them to send me an email stating that it was removed and there would be no further interest added to the account as it was a XXXX balance again. The representative then stated Ulta beauty would not do that as they do not put this information in writing. They did remove the fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach, I want these items deleted from my credit reports effective immediately I'm attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing please help me delete these illegal accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: PA

Complaint narrative:
Sent a letter to I C systems letting them know that I have never had a contract with this debt collector and to please remove off my credit report but yet its still on my report. I asked for proof that it was mine and it was 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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
After my Debit Card had been compromised and not realizing that it was linked to my XXXX XXXX XXXX which was for protection for my XXXX Phone sometime on or around XX/XX/2023 already a month past XXXX XXXX Sent me via email to update my payment information. Once I received my new card and remembering now that some 6 months ago I had the cell phone protection. I began trying over and over again to give XXXX the updated New Debit Card information ( No money was borrowed ) it never worked and I kept trying so after several attempts it worked. Thus, thinking all is good I began to receive Mailings from TD Bank not having any idea what this was for I finally called them and was told they got the money from XXXX for the protection of my phone. 

Then after several attempts tying to contact XXXX and I mean a lot, almost always, getting disconnected or the wrong department I started with TD BAnk and went thru several attempts to rectify the problem. So finally I got the Manager at TD bank who gave me her Initials of ( XXXX  ) and explained the entire thing she told me that if XXXX did this then TD Bank has no right to report me negatively to the Credit Bureau. Then she asked if I would stay on while she contacted XXXX. I said fine, but warned her we would get disconnected when she tried and we got disconnected and XXXX never called me back and I was never able to get her again. All of this for {$3.00} a month now I have negative items on my credit report and have no way to resolve it and TD bank keeps increasing the time and penalties after me thinking it was all good when I updated my Debit Card information with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Goodman Frost, PLLC
State: MI

Complaint narrative:
Goodman Frost accessed my consumer report on two different occasions without my authorization violating my consumer rights. 
XXXX XXXX of Goodman Frost has used this information to sue me twice without validating the debt. 
XXXX XXXX also did not provide proof that XXXX XXXX XXXX of XXXX XXXX Michigan retained his or Goodman Frosts services. Who is the real plantiff? 
I spoke with the accounts receivable department at XXXX XXXX and they had sold the debt to a debt collector, and XXXX from XXXX XXXX told me they did not retain XXXX XXXX nor Goodman Frosts services. 
It appears to me they pulled my credit report ( unauthorized as a " lender '' ) on a " fishing '' expedition to see what they could find.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
On XX/XX/2023 they restricted my account, I can see my balance, but I can not send or receive or operate with my cryptocurrencies. After contacting them numerous times through the support chat, they ask me for documentation to verify my account and thus remove the block. On XX/XX/XXXX, I received and sent the requested documentation, all of which requested " Please provide one of the following documents : Payslip issued within the last 3 months Letter from your Human Resources department confirming your employment Provide the source/origin of funds deposited into your Coinbase account. 



Please provide one of the following documents : Loan agreement or statement Statement from other exchanges Screenshot of transactions from an unhosted wallet In addition to the above, please provide one bank statement, issued within the last four months.

Provide the primary source ( s ) through which your overall wealth/net worth was generated.

Examples : Employment, gambling, gifting, investments, inheritance, or life insurance Please provide one of the following documents : Payslip Brokerage / investment statement Home sale document Probate or conveyancing document Copy of Will, Grant of Probate, Gift Letter, etc. 

If your source of wealth originated from investing in crypto or other investments, please provide additional supporting documentation showing the initial investments resulting in your wealth. 

For example, statements from a crypto exchange or broker-dealer which confirms your investment portfolio and they don't give any response. '' after insisting again and again in the chat they sent me another email on XXXX they asked me for more documentation they wrote me this : '' XXXX XXXX XXXX, Thanks for the information you provided. Unfortunately, it doesn't meet our requirements, so we'll need some additional information to finish reviewing your account. 

Please upload the following documents to our secure Coinbase SendSafely portal using the link provided below. 

Please provide a payslip for theBrintza s.l company. 

Please confirm, how much crypto do you expect to trade per year? e.g : {$10000.00} - {$99000.00} " which sent the documentation and I responded to what was requested. It is XX/XX/XXXX and I have not received a response from Coinbase, nor have they removed the blocking of my account. I have all the conversations with the chat recorded without giving me solutions, other than asking me for patience and I haven't been able to access my savings for 7 months, as I need them to face some important expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX 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

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 2023-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I have Synchrony Bank PayPal Credit card. The card does not show in my Paypal wallet when I attempt to buy something online using " pay with paypal ''.

I have spent close to 20 hours on the phone with Synchrony ( and another 20 with Paypal ) and an extensive history of making cases on the phone trying to get this problem resolved. All cases I make with you are silently closed as resolved with no response from you. You continue to say its not your problem and say contact Paypal. Paypal has been saying the same thing about you.

Paypal has been repeatedly saying Synchrony Bank has failed to correctly communicate and link the card information to Paypal as Synchrony Bank is the card issuer, and that this is why its not showing in my Paypal wallet.

Your customer service agents have become hostile to me, particularly : " XXXX '' who refuses to even pretend to try and help me. 

I once again am requesting you have someone at Synchrony who has the authority to investigate this problem to find a solution. In my previous case with CFPB sent to you ( XXXX ) you tried to shift blame to Paypal, but then responded with a lengthy boilerplate response which can be basically summarized to : " Maybe theres a security issue, idk '' ) without any attempt to provide me with a solution.

The most Synchrony has done was attempt to " disable and reenable '' my card, repeatedly tell me to clear cookies/ change browser, suggest I am using the wrong account ( im not, XXXX is the correct email ) and the most common : saying its Paypals fault call them. I had to think outside the box and even ordered a replacement card in attempt to see if this would solve the problem ( it didnt ).

Due to my inability to use this card properly I have done lengthy research and have found many other card users who have the same problem, and the absolute XXXX they are going through to and get Synchrony bank to acknowledge or resolve the problem. 

I will continue to contact Synchrony bank until someone with authority will be able to acknowledge this problem exists and respond to me in a human fashion to help me resolve. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I called the chase bank on XX/XX/XXXX  due to unauthorized charges in the amount of {$16.00} from Amazon XXXX from XX/XX/XXXX  until XX/XX/XXXX  and I did not authorize those charges because I don't have Amazon XXXX and I called the Amazon and they said to call my bank to dispute all of this charges that I did not make. I received a letter from Chase and they said that they can only dispute only the 60 days of charge and I'm responsible for the rest. This is not fair for me. This is fraud and why did they allow those charges in my account that I have no knowledge about. I called the chase bank and they told me to call the Amazon and I called the Amazon and they told me to call chase bank they are passing me back and forth. This is fraud and stealing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
CREDIT REPORTING AGENCIES- XXXX TRANSUNION AND XXXX Please be advised that this is third WRITTEN REQUEST and FINAL WARNING that full intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance Despite my previous 11 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. 
You stated in your responses to my 11 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after eleven written requests is also evidence of your willful disregard of Federal Law When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you don't have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the court will order you to delete them. 
You say that you have reinvestigated these accounts but youve admitted that all you have done Is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ). also asked you for the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law. 
Please be advised that under Section 611 ( 5 A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified. '' I request that you do this The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and full intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand that you delete all of the accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted.

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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
CREDIT REPORTING AGENCIES- XXXX XXXX AND EQUIFAX Please be advised that this is third WRITTEN REQUEST and FINAL WARNING that full intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance Despite my previous 11 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. 
You stated in your responses to my 11 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after eleven written requests is also evidence of your willful disregard of Federal Law When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you don't have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the court will order you to delete them. 
You say that you have reinvestigated these accounts but youve admitted that all you have done Is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ). also asked you for the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law. 
Please be advised that under Section 611 ( 5 A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified. '' I request that you do this The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and full intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand that you delete all of the accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: KS

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 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 2023-11-28 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: KS

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