vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-08 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: United PanAm Financial Corp.
State: MD

Complaint narrative:
I XXXX XXXX am a natural born person I am the actual person submitting this dispute. This is not a third party. After reviewing my credit profile I identified multiple discrepancies with accounts listed as United Auto Credit CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They are reporting inaccurate last activity date and high balance to all Credit bureaus. A validation and update to my report has been requested. 

15 U.S.C 1681s-2 Responsibilities of furnishes of information to consumer reporting agencies ( a ) Duty of furnishes of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge if errors.

15 U.S.C 1681e States ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
On Wednesday, XX/XX/XXXX, I contacted someone through XXXX about XXXX basketball tickets, 4 for {$200.00}. Somehow money was taken out of my Chase bank account through XXXX and sent to this person. Then, I never received tickets.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: AZ

Complaint narrative:
IVE RECENTLY CHECKED MY CREDIT REPORT & FOUND SOME UNAUTHORIZED ACCOUNTS, WHICH IS CAUSING ME A LOT OF STRESS ITS SO FRUSTRATING & ITS NOT FAIR TO ME BECAUSE I AM IN THE PROCESS OF GETTING MY HOME I DO NOT RECALL NOR AUTHORIZED ANYONE TO APPLY FOR THIS AND THIS IS HOLDING ME BACK, PLEASE GET THIS REMOVED & RESOLVED ASAP. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-08 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: HOME BANCSHARES, INC.
State: TX

Complaint narrative:
the bank withdrew their monthly fee causing my account to become overdrawn

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Last 2 years I have tried to no avail to challenge my accounts on the credit reporting agencies. I also retained XXXX XXXX which is a credit repair company and they had little to no luck

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 2022-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2022 midnight, there were 9 unauthorized XXXX transactions from XXXX Bank of America checking account, 7x {$25.00} and 2x {$20.00}, ttal of {$210.00}. Luckily I woke up around XXXX, and saw text messages from BofA XXXX if I authorize online activity on my account. I responded NO right away to two of the messages sent ( messages attached ). I checked also right away my checking and saw the 9 transactions which I never authorized ( transactions attached ). Once the bank opened at XXXX, I called and reported the fraud activities on my account. I filed a claim of fraud and followed the banks instructions to change my password etc including destroying my debit card, and they will mail me a new one with different numbers. I was calling the bank on a daily basis to follow up. 
BofA responded to me on XX/XX/2022, stating that as a result of their research, it was determined that they were unable to honor the claim ( letter attached ). 
Please help me with this. I am afraid ths can happen again not only to but others. I have been a customer of BoA for 30 years and its very frustrating they can not help me. What if I didnt wake up that early morning.. all of my savings will be wiped out. yet i responded to the banks text message, NO, as soon as i can

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 2022-12-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
I sent prove that the debt was paid on XX/XX/2022 and they refused to remove. 

I requested what they had on me to prove the debt was mine, and they did not provide. 

They are not able to prove the debt is mine, and I sent proof that the debt was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the account below : Account : 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 2022-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
FCRA violations : not my addresses XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX  XXXX CT XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX  XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX Resident type Single family FCRA violations : accounts not mine XXXX  XXXX XXXX negative Date opened XX/XX/XXXX Balance {$380.00} Status Collection account. {$380.00}

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 2022-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/2022 I deposited a check of {$1800.00} which I received from a company for my internship to purchase training equipments. 
Bank of America credited the amount in my account without any disclosure that its under process or any warning that check hasnt cleared but we have still credited the amount in your account. The internship company asked me to XXXX  {$1700.00} to a vendor in XXXX to purchase the equipments, which I did. 
On XX/XX/2022 Bank of America reversed the transaction claiming that the check didnt clear leading to my account going in negative. 
It amazes me that why would Bank of America credit the amount if the check never cleared, this lead to me losing money from my account and my balance going in negative. 
As a student in XXXX, who has come from XXXX, it causes so many hardship because the banking system doesnt do its due diligence before crediting an amount from the check.

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 2022-12-08 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: TX

Complaint narrative:
Experian is XXXX XXXX XXXX XXXX lower than the other XXXX major agencies. The info is the same. XXXX will boost my score XXXX XXXX XXXX XXXXXXXX if I pay Experian XXXX} a month.. This is extortion is it not? They also have incomplete an inaccurate info on my report that they have verified. The information is still inaccurate and incomplete. Their verification process is to contact the company that supplied the information and ask if this is accurate. No proof is required just an affirmative reply. 
I am sure they make more money from keeping their customers happy than they do by requesting proof. I am sure I am not the only XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
Many years ago, XXXX, I had an account at the XXXX XXXX XXXX  in XXXX, New York, which has been dormant since that time. 
That Bank no longer exists and I have no idea who took them over, how much was left in that account, or where those funds are now. 
Can you help me recover those funds?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
XXXX unauthorized charges from XXXX on my Apple Card in XXXX, {$1700.00} ( XXXX ), {$870.00} ( XXXX ), {$860.00} ( XXXX ), {$1600.00} ( XXXX ) and {$1300.00} ( XXXX ). I purchased something from this merchant before but not recently due to their overcharging and refusing to dispatch the orders correctly. When I first purchased from the merchant, they collected my Driver 's License photo and autography. I reached out to Goldman Sachs Bank USA disputed these unauthorized charges, the merchant then proved fraudulent information that is not from me to make the transactions valid. I believe my identity is stolen by the merchant to put in fraudulent transactions. I have no way to contact the merchant, my previous account was unable to retrieve. 

I called Goldman Sachs Bank and re-disputed the fraudulent charges again, but they require me to prove evidence that I never put in orders, otherwise, I have to pay these charges. I don't know how to prove something I never do for online shopping without a shipping address. I already filed XXXX  and XXXX XXXX against fraudulent charges, and also provide them to Goldman Sachs Bank. They still continue asking me to prove transactions that are not from me. They are not my orders, how come I would have records on those?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
These account was open up fraudulently without my knowledge, And any proceeding that was used I didn't receive any. 

Brandsmart-Sync/BRMART Acct # XXXX Open XX/XX/XXXX Credit Amount : {$1200.00} Used Amount : {$1500.00} XXXX XXXX- Acct # XXXX Open XX/XX/XXXX XXXX XXXX : {$300.00} Used Amount : {$600.00} XXXX XXXX XXXX Acct # XXXX Open XX/XX/XXXX Credit Amount : {$4500.00} Used Amount : {$4500.00} XXXX Acct # XXXX Open XX/XX/XXXX Credit Amount : {$2800.00}

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 2022-12-08 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: TX

Complaint narrative:
FCRA violations : not my addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Apartment complex XXXX XXXX XXXX XXXX XXXX  TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX Resident type Single family FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$380.00} Status Collection account. {$380.00}

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 2022-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2022-12-08 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:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX* 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.

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 2022-12-08 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXXXXXX On XXXX XXXXXXXX they reported I applied for credit. I did not? 
This is the second time they have sent a notice with in 2 months. 
Something is seriously going on? 
My social security number is compromised? 
Please help me find out where these requests are coming from. 
Please have them taken care of Ref : XXXX XXXX This was for car care? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY 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 2022-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Services Group, Inc. d/b/a ConServe
State: NY

Complaint narrative:
Upon checking my credit today, XX/XX/2022, I found a debt collections account open. I was never noticed or contacted about any debt or debt collection for {$120.00} with ConServe. I don't even have access to pay it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I shopped at Kohl 's on XX/XX/2022 and paid for my purchase with my XXXX Card because I had moved since I had used my Kohl 's card. The clerk told me that if I updated my Kohl 's card with my current address, I could get a 35 % discount. This didn't seem like a problem, so I agree to it. 
On XX/XX/XXXX, I received a lengthy letter in regular mail, telling me that my " application to open an account '' was denied. They gave several reasons. None of them made sense and were easily refuted. I suspected they had a mistaken identity or were looking at the wrong account. Upon checking my credit record, I saw that indeed they had made an inquiry into my credit and this had caused my score to go down. I found this infuriating. I didn't want Kohl 's credit, and I prided myself on keeping my XXXX XXXX as " excellent. '' It's still XXXX. 

I made the trip to my local Kohl 's store, even though it's about a XXXX hour round trip. Customer Service said they suspected fraud and gave me a phone number to call. They said the problem could only be solved over the phone. 
I called the number. I spoke with someone for a long time. Finally, he decided that he couldn't help me. He said he was transferring me to a supervisor. I waited on hold for a half hour, then was cut off. I called back the next day and asked for a supervisor. I was transferred to a voice mail. I left a message for " XXXX, '' including my name and phone number. I never received a call back. 

The first thing was inaccurate in this letter was that I had " EXCESSIVE OBLIGATIONS IN RELATION TO INCOME. '' I have XXXX ( XXXX! ) financial obligation and that is my {$1200.00} mortgage. My income is {$3800.00}. This is more than XXXX my mortgage payment. All of my credit cards are at XXXX {$0.00} balance. I own my car. I have included a photo of the other bogus items that they say were factors in being denied credit. 
They also say I have too many credit inquiries. Before Kohl 's, I have had XXXX in the past few years, when I was thinking of buying a new house. 
I am attaching various documentation that illustrates my point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC
State: MD

Complaint narrative:
I had an account sent to collections that I do not recognize, and I received no written notice of this debt. I can not verify I owe the money, and all my other accounts are in excellent standing, this makes no sense. 

The account is with " RMP Services '' and the amount is {$740.00}. Again, this is not mine, and I have never heard of them, nor do I have any delinquent debts.

Company response to consumer: Closed with explanation