vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-03 00:00:00
Product: Credit 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Five fraudulent charges were made on XX/XX/XXXX to XXXX XXXX XXXX in XXXX on my XXXX. I immediately reported this to the fraud department at Truist Bank and told them that none of these were mine. They have reversed three of the charges, but two are still outstanding and, despite four phone calls with the bank fraud department, this has not been resolved.

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 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My account with XXXX & XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX & XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I looked at my report on XX/XX/year> and noticed my personal information was incorrect. The incorrect information is my name. I spoke directly with Equifax and this information should have been updated per the conversion from XXXX XXXX XXXX to XXXX XXXX XXXX XXXX. However, weeks later and nothing has changed. I dont know what else to do. Can you look into this matter. Update the information asap!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
According to FCRA section it is illegal to report information on my credit report without permission. Thank you please remove this off of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
My issue with Synchrony Financial is related to two credit card accounts serviced by Synchrony : Amazon.com Store Card ( XXXX XXXX XXXX XXXX ) and Sam 's Club Mastercard account ( XXXX XXXX XXXX XXXX ). Additionally, I believe that Synchrony 's actions are destroying my credit rating that I have carefully cultivated over many years. 

I am a retired XXXX XXXX  XXXX and former XXXX XXXX XXXX. 

Synchrony Financial 's strict interpretation of the two returned checks in the past twelve months is at best unmindful of facts or extenuating circumstances. The two checks that were rejected by my Bank 's ( XXXX XXXX XXXX  ) XXXX, although technically falling in the twelve months period, actually occurred in a two day period ( XX/XX/XXXX and XXXX, XXXX  ). 

The occurrences on XX/XX/XXXX and XXXX are explained by the attached letter from XXXX XXXX XXXX, Senior Executive Vice President/General Counsel of XXXX XXXX XXXX  XXXX XXXX ) ( attached ). I had no idea why XXXX rejected the XX/XX/year> payments since I had been using their XXXX, with the same account number, since XXXX merged with XXXX XXXX Bank. 

Once the administrative error was recognized, a payment of {$230.00} ( {$140.00} + {$83.00} ) was made on XX/XX/year>, with the corrected account number. Synchrony 's customer service representative acknowledged the payment and the error ; and credited the interest/late fee charged. Problem solved, or so I thought. 

Four months later, after the issue was cured and resolved, without prior notice and despite regular payments starting with the {$230.00} payment on XX/XX/year>, Synchrony Financial arbitrarily closed my Amazon account and reduced my credit limit on my Sams Club account to a meager {$250.00} from {$10000.00}. 

I have had the Amazon and Sams Club accounts for well over 20 years without issues. The only reason I am persistent in restoring these accounts is because we like to shop at Amazon and Sams Club. 

I suspect the negative information in the XXXX credit file was the result of Synchrony 's actions. Because, I know nothing else changed. Synchrony set it up and then cited it to justify its actions. 

The fact is that my wife and I have a combined credit card limit of over {$100000.00} on three other credit cards NOT serviced by Synchrony Financial.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: VA

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I canceled a pending payment of {$90.00} on XX/XX/year> that was awaiting approval on Cash App by the recipient named, because I had mistaken him for another Cash App Account Holder who has the same first name and last name. 

The payment was successfully canceled and refunded to my Cash App Balance on XX/XX/year>. 

I transferred the refund from my Cash App Balance into my XXXX XXXX XXXX Checking Account by paying a small fee to Cash App for the instant transfer on XX/XX/year>. 

Unfortunately, Cash App chose to withdraw the refunded amount of {$88.00} from XXXX XXXX XXXX XXXXXXXX XXXX Account without my authorization on XX/XX/year> and send a total of {$90.00} to the unintended recipient, XXXX bank account. 

I filed a dispute through XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/year> in order to seek recovery of this refund from Cash Apps bank. 

The dispute was decided in my favor on XX/XX/year>. 

However, Cash App sent a warning email to me on XXXX XXXX that claimed I owed the company {$90.00} with regard to a payment that I no longer authorized Cash Apps recipient, ..to receive. 

Cash App further explained in the email that my Cash App Balance was a negative {$90.00} and I could not use my account on Cash App until I added money to my Cash App Balance. 

I transferred {$90.00} from my XXXX XXXX XXXXXXXX XXXX Account to my Cash App Balance on XX/XX/XXXX, XXXX order to remove the negative balance from my Cash App Account which would allow me the ability to use Cash App. 

Keep in mind, I was under duress when I made the decision to send the amount of {$90.00} to my Cash App Balance. 

On the other hand, Cash App is not entitled to recover funds from my Cash App Balance or bank account if they were initially responsible for sending a payment that was already successfully canceled by me to an unintended Cash Apps recipients bank account. 

Therefore, a new claim was filed on my behalf against Cash Apps bank on XX/XX/year> through XXXX  XXXX XXXX XXXX XXXX. 

Moreover, I have attached pertinent documents to this message in order for the Consumer Protection Bureau to review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
In XXXX of XXXX  Bank of America paid XXXX insurance company from my business account XXXX. I cancelled the XXXX XXXX in XXXX part of XXXX. 

I initially tried to dispute the amount of XXXX with XXXX and to no avail. I then phoned Bank of America on or around XX/XX/2024. They were able fund my account in XXXX for XXXX. Additionally, they were to place a stop payment for any future transaction under XXXX for the amount of XXXX. 

On XXXX, XXXX, XXXX and XXXX, Bank of America allowed XXXX to process payments for XXXX totaling {$1200.00}. 

Bank of America is refusing to issue me provisional credit for the amount they allowed to process through this account. This was also a debit card transaction and the card ending in XXXX was locked which should have prevented those transactions. 

Bank of America also paid those transaction as the account did not have enough funds to do so. Even though my account is opt out of paying transaction where there are not enough funds. Bank of America stated because this is a reoccurring charge, it pays regardless. 

On today XX/XX/2024, I spoke with a Bank of America XXXX name XXXX ( ID XXXX ) PHONE number XXXX Bank of America claims dept. She stated it was nothing Bank of America can do and she understood the error in XXXX by not protection the claim from future transaction, but unfortunately its nothing she can do. I requested someone in a higher position then her and she stated " there is no one higher '' I think Bank of America should be held liable for this action and issued my credit back to my account.

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 2024-07-03 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: GA

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: NY

Complaint narrative:
Gm, Ive been going back and forth with cash app about over 100 disputes from play perfect, they recently approved most of the disputes after my first complaint to you guys, now they keep denying the remaining charges in which I was suppose to be refunded for all charges from the month of XXXX on XX/XX/year>. I have disputed the remaining transactions twice and they denied it twice with the refund receipt from the company. Cash app does not truly investigate these disputes what they do is denied you based of account activity which is bogus. Im tired of having to continue to fight for my money, no other bank does this nonsense, Im tired of the company play perfect telling me one thing and doing anything. Cash app needs to stop denying the last couple of disputes and give me my money Im tired of the back and forth and time wasted, I have already lost out on hundreds of dollars with play perfect during this dispute because cash app does not do disputed part 60 days so all my disputed transactions from XXXX and XXXX where not given back to me with proof that I was suppose to get this money all back so I loose my money I dont think so, if your company states they refunded me from XXXX up until XX/XX/XXXX for all transactions from XXXX XXXX XXXX XXXX and XXXX I expect all my money because at this point cash app and play perfect are going to see me in court, CASH APP learn to do things accordingly because you do not you dont investigate disputes properly I did these disputes again manually which take me time out of my day and take a long time to do one by one for cash app to deny it in less then 24 hours of me doing it and having no proof of why they denied only that the transaction seems right and went through with no issues thats ridiculous. This is the last time Im going to do through this with cash app or the other company I have already reached out to a lawyer about what cash app does dispute wise.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My account with XXXXXXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXXXXXX XXXX XXXXXXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: NY

Complaint narrative:
THIS ACCOUNT WAS CHARGED OFF ON THE FOLLOWING DATE XX/XX/2020, SINCE THEN THE ACCOUNT HAS REPEATEDLY BEEN UPDATED AS CHARGED OFF EVERY MONTH. THIS IS AN UPDATE IN THE PAYMENT HISTORY. A CHARGED OFF ACCOUNT SHOULD NOT INCLUDE AN ACTIVE PAYMENT HISTORY. THIS INACCURATE INFORMATION FALSELY MANIPULATES THE STATUTE OF LIMITATIONS. YOU FAILED TO INVESTIGATE THIS ACCOUNT PROPERLY AND YOUR NEGLECT HAS VIOLATED MY RIGHTS. I AM DEMANDING A DELETION OF THE FOLLOWING ACCOUNT : ACCOUNT NAME : XXXXXXXX XXXX ACCOUNT NUMBER : 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 2024-07-03 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: GA

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 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: GA

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: TX

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

Company response to consumer: Closed with non-monetary relief