vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-01 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: GA

Complaint narrative:
I recently disputed multiple inaccurate and unknown accounts on my credit report which never got deleted after this company 's questionable investigation. I am providing clear evidence these accounts are inaccurate and must be removed according to the FCRA. I am very frustrated these accounts didn't get deleted the first time so I am attaching clear proof of the inconsistent information. I am filing a complaint with you guys to make sure that they follow the law and remove these inaccurate accounts. I will not accept a computer generated response. I demand these accounts be removed or I will file for litigation. This is hurting my name. 

The following accounts are : XXXX. XXXX Acct # : XXXX This account is not mine and it clearly says purchased by another lender which is illegal. Remove ASAP XXXX. XXXX XXXX XXXX Acct # : XXXX This account is not mine. It says that it meets FCRA requirements but I am attaching proof that it clearly doesn't. It is not reporting 100 % accurate information. 

XXXX. XXXX XXXX Acct # : XXXX This account is not meeting FCRA requirements and must be removed according to law. 

XXXX. XXXX XXXX Acct # : XXXX Please remove this inaccurate account from my 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 2022-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Block, Inc.
State: OH

Complaint narrative:
On XXXX, I received a card from a company called CashApp. I never signed up for this card and called their customer service to cancel the account. They told me that I can not cancel this card, as it can only be cancelled with their APP or with a link that they would email me. I was not comfortable with doing any such transaction with a bank that refused to let me talk to a fraud department or provide me with a physical address to mail my complaint. 

XXXX I mailed them a written request to cancel this and all cards/accounts opened under my name and address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I have three store cards with Comenity Bank, Torrid, Ulta, XXXX. In XXXX, I received a debt consolidation loan, and paid them all off in full. This was XX/XX/XXXX. All the other credit card debts I paid off at the same time have been updated for quite a few weeks now. The only ones that haven't are the Comenity Bank accounts. I've checked the three accounts multiple times and they are all at {$0.00}, but they are not reporting this to XXXX. On top of this, they've been a nightmare to be a consumer for. High interest rates, random unrequested credit increases, servers being down and having to jump through hoops to pay bills, and always taking more time than any other credit company to take payments out of checking accounts. It's not logically to pay a bill on Friday morning, only to have the money taken out the following Wednesday or Thursday. This is all just bad business practices. I plan to never get another account with them as they seem predatory with how they behave as bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
On XX/XX/2022, I made my first purchase on XXXX XXXX credit card. This card was promoted by Synchrony Bank. The promotional offer was for 10 % discount on initial purchase. 
The XXXX XXXX store where the purchase was made told me the 10 % discount would be applied by the credit card company. 
On XX/XX/2022, I called Synchrony Bank to inquire about the 10 % discount. I was asked if I disputed the balance, I said " Yes ''. They responded that the account was now " in dispute '', and I was not required to make payments until dispute was resolved. I was told this could take up to sixty days. 
Around XXXX XXXX XXXX I received a message from Synchrony Bank. The message was a copy of my purchase receipt. No words, no explanation. 
I ask Synchrony Bank why I was being billed since the account is in dispute. I was again informed that no payment was due, and that they were investigating my claim. 
Subsequent e-mails and chats have produced no response to my claim. 
Currently I am receiving daily electronic notices and snail mail notice that " LATE '' charges have been levied against my account, as well as " INTEREST ''. 
As of today, I have not received a statement with the correct amount listed. 
Synchrony Bank offered a 10 % discount to open this account. This discount has not been applied to my balance. 
I believe this offer was not made in good faith. Synchrony Bank never intended to reduce my balance by 10 %. The tactic they are using - charging late fees, charging interest fees, are a part of their program to intimidate me to just pay and be quiet. 
I have told Synchrony Bank that I will make payment in full when they provide me with a statement that reflects all purchases and discounts that I am entitled to. 
Please look into this matter.

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 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have never had an account with XXXX XXXX I did have identity theft and maybe this is one of the accounts that was open. But I have never personally had a XXXX phone account ever in my life, I have stated this numerous of times and they keep adding it to my credit report. I was with XXXX for many years then I went to XXXX XXXX XXXX and now I am with XXXX. Please have this removed from my credit profile all three bureaus thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: PA

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 6 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/20XXXX 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 2022-11-01 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: PA

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 6 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX checks where deposit to an ATM on Chase bank on XXXX XXXX XXXX Tx XXXX. ATM displayed an error message which was also on receipt. After submitting a report Chase bank offered a temporary credit for amount of checks. After the " investigation '' they did not find anything. I have been going to this bank to find a solution and they claimed that the checks where not Found nor checked. I spoked to my employer and he tracked the checks on his end and gave me proof that at least one was cashed. I need to know what was done to my money that they took away.When I asked them to please review the cameras I was told that I had to submit a police report, when I told them I was going to call the police they called the manager and he said he was going to help me out within 24 hrs this was on XX/XX/22 up to now we have not heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have a simple question and they will not answer the phone or chat

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: GA

Complaint narrative:
I RECEIVED THE CORRESPONDENCE FROM DISCOVER LOANS. THERE WERE 2 LETTERS DATED XX/XX/22. I AM REQUESTING COPIES OF THE INITIAL APPLICATION TO DETEREMINE IF THIS SUBMITTED APPLICATION WAS FRAUDULENT SBMITTED. 

PLEASE MAIL TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Harley Davidson Financial Services Inc
State: TN

Complaint narrative:
Harley Davidson Financial is at the point of harassing me with multiple phone calls everyday due to a loan payment being late. I do pay my payment every month but they call 3-5 times per day including Sundays if I am late 1 day. This has become very stressful and would appreciate some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FirstCredit, Inc.
State: OH

Complaint narrative:
I received three bills in a row ( one each month ) for the same medical service at XXXX and paid each on of them using the hospital 's online bill payment system. My debt was then sent to a collection agency ( FirstCredit ), which would not help clear up the situation. This is an outrageous practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: NC

Complaint narrative:
On XX/XX/2022 I disputed unauthorized accounts that were allowed to be furnished on my consumer report by equifax. Equifax did not respond to my dispute properly on credit file date XX/XX/2022 confirmation number XXXX. They responded that the accounts were verified when I didn't dispute the validity of them. I sought to exercise my right to privacy for those disputed consumer credit transaction accounts. The accounts are extensions of credit which are transactions between me the consumer and the person making the report. The FCRA was written by congress to protect consumers from this careless behavior by equifax and not respecting my right to privacy. 15 USC 1681 ( 2 ) ( i ) excludes these extensions of credit private transactions on my consumer report. I am protected from this by the fair credit reporting act. The consumer credit transaction accounts were also furnished by equifax without my written consent. I will seek litigation if this matter is not resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: MN

Complaint narrative:
I have a police report when my wallet was lost and had my social unit, I contacted the company and XXXX XXXX to let both of them know that this that is not mine. They have not done nothing to help me the company, but keep threatening and calling. On a daily basis, after I have told him that there is not mine, they also they dont see the proper things they dont say this is a recorded line and they dont say what companies are calling from

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01 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: PA

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 6 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 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 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently disputed multiple inaccurate and unknown accounts on my credit report which never got deleted after this company 's questionable investigation. I am providing clear evidence these accounts are inaccurate and must be removed according to the FCRA. I am very frustrated these accounts didn't get deleted the first time so I am attaching clear proof of the inconsistent information. I am filing a complaint with you guys to make sure that they follow the law and remove these inaccurate accounts. I will not accept a computer generated response. I demand these accounts be removed or I will file for litigation. This is hurting my name. 

The following accounts are : 1. XXXX Acct # : XXXX This account is not mine and it clearly says purchased by another lender which is illegal. Remove ASAP 2. XXXX XXXX XXXX Acct # : XXXX This account is not mine. It says that it meets FCRA requirements but I am attaching proof that it clearly doesn't. It is not reporting 100 % accurate information. 

3. XXXX XXXX Acct # : XXXX This account is not meeting FCRA requirements and must be removed according to law. 

4. XXXX XXXX Acct # : XXXX Please remove this inaccurate account from my 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 2022-11-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted a CFPB complaint back on XX/XX/22 under ID # XXXX regarding identity theft to Experian. In their response to me they indicated that the 4 fraudulent accounts were no longer being reported at this time on my credit report. However, upon reviewing my credit report today XX/XX/22, the 4 fraudulent accounts are still being reported. I demand that you remove those 4 fraudulent accounts immediately. 

Thank you, See attachments

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 2022-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: TX

Complaint narrative:
On Sunday XX/XX/2022 some company name XXXX XXXX  took {$40.00} out of my Cash App prepaid Visa card. I have never heard of this company but found numerous complaints from others on XXXX. I am a Senior Citizen on low income, I need my money. I cancelled the card with cash app but my available balance is still {$1.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted the bureau to inform them that I did not authorize the inquires and that it was fraudulent activitie but they failed to remove the inquiries.

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 2022-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I saw a collection account on my credit report a couple years back. I fought it and disputed online through XXXX. I had asked the creditor LVNV Funding LLC to send me information to verify the debt is mine. I never received any information yet the creditor lists my account is verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: CA

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX - In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States i have the right to privacy. 15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-11-01 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: ADP Inc.
State: TX

Complaint narrative:
I contacted wisely pay cards dispute center on XX/XX/XXXX after recieving a letter of a disputed charge in which they didn't properly dispute the correct transaction. Once they corrected the issue and filed a dispute for the correct transaction. i received the correct dispute letter on XX/XX/2022 and sent it back through email on XXXX XXXX as of XX/XX/2022 i had not received any provisional credit as stated by bank. the time frame was to send the form back within 10 business days from the form being mailed to me. i contacted the bank XX/XX/2022 regarding the dispute and credit. i was told that i needed to request the credit verbally, which is not true. stating they would file a request for the credit today. Wisely card company has a habit of deceiving consumers who file disputes because they dot want to assist. they create obstacles that's not even in their terms and conditions in order to not have to provide provisional credit. as of XX/XX/2022 i still have not received credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
XX/XX/XXXX @ XXXX received text from XXXX Venmo service of PayPal to stop messages Received message We've turned off notifications from PayPal Mobile services. Got another text XX/XX/XXXX @ XXXX text stop got message saying We've turned off notifications from PayPal Mobile services. Got another text XXXX @ XXXX same thing as first 2 times texted stop. Same reply from them. XX/XX/XXXX same text I replied stop again

Company response to consumer: Closed with monetary relief