vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: LA

Complaint narrative:
On XX/XX/2023 I ordered some home decor and outdoor decor from a merchant online and paid with my cash app card. The first red flag was the cash app name was different than the business name which I purchased the merchandise. The following is what Cash App sent me on XX/XX/2023 when I reported that I never received any merchandise and could not get in touch with the seller. 
'We reviewed your dispute with XXXX  XXXXXXXX XXXX for {$59.00}, and based on the details provided we determined that no error occurred. Therefore, we have denied your dispute. So I disputed again because I still have not received the merchandise I purchased. I was able to find multiple reviews online showing this merchant as a scam business, so I reached back out to the Cash app on XX/XX/2023 and they responded today via email with an attached document that I uploaded showing the charge made but still disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
PULL MY CREDIT REPORT ON XX/XX/2023 FOUND OUT I HAD UNAUTHORIZED ACCOUNT WAS OPEN UNDER MY NAME WITH ALL THREE CREDIT BUREAUS.I HAVE OBTAIN POLICE REPORT TO LET THEM KNOW WHAT IS GOING ON XXXX, XXXX XXXX, XXXX WAS OPEN WITH MY UNAUTHORIZED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FIRST PORTFOLIO SERVICING INC
State: SC

Complaint narrative:
I received several phone calls and emails about my late account, please see letter attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said account. XXXX  XXXX XXXX as this item was showing late payments on my credit report in violation of Federal Law. Under FCRA you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

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 2023-09-14 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I want the inquiries to be removed. I didnt authorize the companies to run a credit check the information is fraudulent.

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 2023-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Velocity Portfolio Group
State: KS

Complaint narrative:
I received notification From CKS Prime Investments collecting from XXXX XXXX. I have never heard of any of them. I did some internet searches stating both companies were nothing but fraud. I did not do anything. Then I started receiving letters from lawyers stating they would like to handled my case. I didnt know there was a case out there against me.

I was served papers. I called the courthouse to see if these were real. I was told to call the Plaintiffs lawyer. I called their lawyer and I explained that my named was spelled wrong and that I was not XXXX. I told her that was usually for XXXX. She told me that the people that took out this credit card was in New York. I have never lived in New York or had family or friends that live there. She told me she was going to file fraud paper work and get the paper out to me to fill out. I have not received them as of yet. 

I also started complaining to XXXX XXXX  and had quite a few texts from them. They told me to email them. I did then never heard a word. I sent another text, that time the text was not that nice. 

Im at a loss and dont know what else to do please help

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 2023-09-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
This debt was applied to my credit within the last year ( XXXX ) The date they state I was there was in KY, was the winter of XXXX. My XXXX son was seen as a patient and they did not apply our insurance to the balance. This hospital has been shut down, filed bankruptcy and had allegations of falsifying accounts and charges. I asked for proof of the charges, nothing was sent to my address. Email or any form of contact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Offices of Bradley G Nykamp PC
State: UT

Complaint narrative:
I got a letter threatening me with a lawsuit on XX/XX/XXXX from Pterson Nykamp LLC and have received multiple phone calls to my phone and job asking to pay back a debt from XXXX the statue of limitations in Utah is 4 years. i have tried calling them and told them to cease & desist these harassments tactics. in the letter they say that if i don't call or write to them by XXXX XXXX XXXX  they will assume this debt is mine. this debt is not mine the last time i had XXXX XXXX  was in XXXX way past the statue of limitations in the state of Utah. i want them to stop mailing and calling me and my job threatening me with collecting a debt that is not mine.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there is still an account that needs to be FIXED. The credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 explanation
Consumer complaint received 2023-09-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I want the inquiries to be removed. I didnt authorize the companies to run a credit check the information is fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-09-14 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: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 

Fraudulent items that need to be deleted : XXXX ACCT XXXX XXXX OPENED XX/XX/XXXX AMOUNT {$150.00} XXXX XXXX XXXX  ACCT # XXXX OPENED XX/XX/XXXX AMOUNT {$470.00} XXXX XXXX XXXX ACCT # XXXX OPENED XX/XX/XXXX AMOUNT {$840.00} XXXX XXXX  ACCT # XXXX OPENED XX/XX/XXXX AMOUNT {$450.00} BANKRUPTCY US DIST CT DISCHARGED XXXX XX/XX/XXXX FRAUDULENT HARD INQUIRIES : 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 FRAUDULENT ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV 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 2023-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
They unknowingly took me to court without proper notice or serving me. I am a XXXX XXXX  over the road. The sued me for court fees for money I did not owe. The company was sued by me and I won a settlement and I feel this is retaliation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 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: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, and Equifax have 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 an 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 or 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 data is inaccurate.

I would like {$1000.00} for every violation on my report and for all inaccurate information to be deleted from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2023, my scheduled monthly payment date, I scheduled a one time only online payment for the balance of my credit card debt ; the actual balance for purchases at that time was XXXX dollars ; my one time only online payment was scheduled for that amount. 
I had previously established a XXXX dollar auto pay to be paid on the same day, this is an auto pay that I had established months ago and for many months, I have been paying my balance with that auto pay amount. 

Mistakenly I did not " uncheck '' the monthly auto pay of XXXX dollars for the pay date of XX/XX/2023, consequently, Citi requested both the XXXX XXXX time only payment and the XXXX auto pay from my bank. The XXXX was paid but the XXXX auto pay was returned as insufficient funds. 

Due to a policy at Citi Bank, Citi created a debit balance for the XXXX dollar returned funds and today they insist that I must pay the XXXX " outstanding balance ''. I have discussed this issue with Citi Bank Customer service on three occasions, explaining my position that the XXXX dollar " debit '' is not supported by any purchases and that the balance of my account was paid in full with the {$9000.00} one time only scheduled payment. The XXXX dollar balance is nothing more than an accounting place holder and does not represent any funds spent nor does it represent any funds due. Citi charged their XXXX dollar returned funds fee three times and I paid those fees. 

After the several conversions with customer service representatives and their managers, I've been told that the balance stands and must be paid. Customer service reps nor their managers bothered to look at my account balances- they simply maintain that a returned payment represents a debit and that I am responsible for paying that debit. ( and the returned fund fee ) Citibank Credit cards create debit balances from mistaken attempts to pay off my credit card balance equal to the attempted or mistaken payment regardless if the mistaken payment attempt is represented by any purchases or previous balance. 

After a month of arguing about the unfounded balance they closed my account and are demanding the XXXX dollar fake balance be paid. 

I am seeking to have the XXXX fake balance be recognized for what it is, an accounting place holder and be credited from my account balance. 

I'm sorry I can not provide account summaries that support my. are, once Citi closed my account they denied access to my my previous account statements. The only statement that I have access to is XXXX 's statement which shows {$6600.00} worth of purchases and the XXXX returned payment fee. I paid the {$6600.00} balance and as mentioned above I am seeking to resolve the XXXX dollar fee.

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 2023-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I have a Best Buy credit card and they charged me over 20 late fees because the payment of the card was on the 4th I only paid it on the XXXX they also never sent me any statements the only payments I got to my house where when it was already a late notice I continued paying them for 12 months as I thought the balance was paid off I owe XXXX $!!!! I pay all my bills on time the reason this happened was because they failed to enroll me in paper statements and never notified me that I was late not 1 time. Its wrong for me to think I have a credit card paid off when there not contacting me and there letting me pay late fees every month charging me XXXX dollars because I never ever seen a statement I only received a bill after the original bill was already late that I never received, month after month the bill that was sent to my house was a bill stating I have a balance to pay that was it. Comes to find out Im XXXX late on payments for 20 months. Thats ridiculous

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-14 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: MD

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My address is not accurate -- update

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