vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-31 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
In XX/XX/ 2023, I called Synchrony Bank because they were adding late charges on my account when I had sent copies of my checks showing when the funds were taken out! I usually send both bills in one envelope but only one is posted! I made several calls regarding this, Supposedly, I spoke with a Supervisor the last time, and I explained yo her the problem and also that I had lost my husband. She not only decreased my account but also put 3 late payments on my credit report. I have NEVER been late with my payments. The XXXX XXXX advised me not to send both payments on the same envelope because it may get thrown away, and she said it did happen. When I some with whomever calling herself a supervisor she was very very rude. I tried to explain to her that I had just lost my hubby and was adjusting to a new lifestyle. My husband did not leave me destitute, in fact I am very well off. Why she ruined my credit is very frustrating to me! It is called Retaliation! I have several accounts with this bank and I have always paid on time. The mistake was send two or three accounts in the same envelope with checks, and the XXXX XXXX explained this to me. 
This so called Supervisor took it upon herself not only to decrease my credit limit, but also to put 3 late payments on my credit report!!!! If this is not taken off and corrected along with my credit decrease, I intend to SUE this bank and I will win. I have all of my bank statements etc. I am taking this very seriously because I have money to pay my bill, and for this person to deliberately ruin my credit is FRAUD!!!! 
I sent in copies showing where my payment were posted on would post and the other was not!!! Not my fault. This needs to be corrected ( the late payments ) or will will go to court!

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 2023-07-31 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am not liable for any inquires reported on my credit report nor did i authorize any of these accounts which added inquiries to my credit report. The following accounts stated, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022. I do not have a contract with any of the above named companies and they did not provide the contract as I requested because they do not have one yet the credit bureaus has not removed these inquiries from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: FL

Complaint narrative:
I am not liable for any inquires reported on my credit report nor did i authorize any of these accounts which added inquiries to my credit report. The following accounts stated, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2022. I do not have a contract with any of the above named companies and they did not provide the contract as I requested because they do not have one yet the credit bureaus has not removed these inquiries from my credit file.

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 2023-07-31 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX XXXX, I visited the XXXX Texas Wells Fargo branch to apply for a personal loan. I spoke with a banker named XXXX. She asked for my information, input it into the computer, and immediately told me that I was denied based on a soft credit pull, however, I was discouraged from applying by application to avoid a hard credit pull. I have not yet received the adverse action letter. This is 2 issues of discrimination in violation of Regulation B ; a denial and a discouragement.

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 2023-07-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American First Finance, Inc.
State: MI

Complaint narrative:
An account with American First Finance was charged off with an owing balance of {$700.00}. I have received an alert stating that the account is reporting with an owing balance of {$2000.00} to my XXXX Credit report. this information is not valid and is a violation of my rights. 

I would like for this account to be thoroughly investigated. This is a major violation of FCRA 15 U.S. Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
As of XX/XX/ they have quit paying all rewards except for fuel.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2023 and XX/XX/2023 I got a notification on my email saying that I had a three new inquiries added to my credit report which are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported on my trans Union credit report only I then proceeded to call XXXX about this inquiry reported on my credit score but I was told they are not able to do nothing about that so I called the banks which the inquiries reported from and i didn't get the helped I needed. 

1.15 U.S.C 1681 section 602 A. States I have the right to privacy. 
2. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 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: FL

Complaint narrative:
On XX/XX/2023 I expected {$470.00} to be deposited into my account from my Cash App balance. I checked my account on the XXXX, when I did not see my deposit I called Cash App and was told to wait 3 business days and my money should arrive. Three business days came and went and I still did not receive my money. 
I contacted my bank and they said there was no trace of the money. On XX/XX/2023 I asked Cash App to look into this issue for me. They asked me to provide proof. I provided print outs of my account showing I only had a {$5.00} balance with no pending or past transactions. They also asked for a letter from my bank which they provided also verifying that I did not receive a deposit. After all of this, Cash App said they would ask my bank for a reversal. How could they reverse that which never arrived? So they attempted to withdrawal {$470.00} from my account knowing my balance was only {$5.00} which caused me to be charged a {$25.00} insufficient funds fee by my bank. 
Fast forward to today, Cash App just insisted the money was there, ignoring the proof that they asked for. My bank did their own internal investigation and found that no deposit entered any account that whole week in the amount of {$470.00}. They offered to talk to Cash App to try to work this out but Cash App will not cooperate. Money does not vanish without a trace and I need for someone to take a deeper look into this so that I can get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
American Express has failed to provide SCRA benefits that were requested on XXXX XXXX, XXXX. After numerous attempts to receive any status of the request, after 60 days I was told I am not eligible for SCRA benefits even after acknowledging receipt of XXXX  XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2023-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ZIONS BANCORPORATION
State: AZ

Complaint narrative:
The company responded that I " ... ..did not have conversion agreement in place ... ... ..prior to receiving the funds ... '' That is because the Bank did not give me that opportunity. The Bank simply, in the dead of night, accepted the XXXX XXXX, even though I do not have a XXXX XXXX account with them. If they had my best interests in mind, they would have contacted me and asked me if I wanted a conversion agreement. Do they honestly believe that I would have agreed to pay a {$90000.00} fee for a simple foreign exchange transaction? Do they believe that any court would not agree that this misappropriation was egregious gouging. They failed in their fiduciary duty to me and they continue to hide behind the small print in their documents, non of which was explained to me when opened the 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 explanation
Consumer complaint received 2023-07-31 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:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2023-07-31 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: AZ

Complaint narrative:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete From My XXXX XXXX 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete From My CREDIT REPORT 3. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 4. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX 5. The inquiry was not authorized DEPT OF ED Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX  Please remove it from my credit report. 

7. The following personal information is incorrect Account Number : ALSO KNOWN AS : 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 2023-07-31 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I have disputed this account listed on my account less than 30 days ago and through CFPB and received a response that did not provide me with the verification I requested. 

What I requested was : Please note that I am requesting validation ; that is competent evidence bearing my signature.This was not provided. I was given a letter in which included a pile of bills saying I owe {$2100.00} on my credit report states {$2100.00}. You are violating my rights. 

I filed a complaint with Better Business Bureau this account was removed last week. It has since been placed back on my credit report with a dollar increase and a new owing date. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act.. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

I will be seeking a minimum of {$3000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) In accordance with the Fair Credit Reporting Act. 15 U.S.C. 1681 section 602 A States I have a 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 2023-07-31 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: GA

Complaint narrative:
I was scammed by a moving company to send a deposit for a long distance move in XX/XX/2023. I sent monies to another BOA account. Only to discover on the day of the move ( XXXX XXXX ) no movers. XXXX XXXX XXXX XXXX XXXX has not answered the phone since. This is not a real business. I put on a fraud claim to BOA for the scam and today they told me it was denied because they couldnt recover the funds. Because we both are with BOA it seems as if the bank doesnt want to take the loss. But I should not be punished because the scammer also has BOA. When someone is scammed, they are suppose to give them the money back/make the other account negative if need be. I received NO SERVICES WHATSOEVER

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 2023-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am not liable for any inquires reported on my credit report nor did i authorize any of these accounts which added inquiries to my credit report. The following accounts stated, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022. I do not have a contract with any of the above named companies and they did not provide the contract as I requested because they do not have one yet the credit bureaus has not removed these inquiries from my credit file.

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 2023-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
I opened this account a few days ago and today i added this account through my employers payroll site XXXX  and linking mynvirtual card to XXXX  And just about half hour agoi received a few emails first stating my cards were restricted, then and email stating the closure of my account for suspicious activity. No specific reason was given. I attached and circled the reasoning why accountnwas closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: LEXISNEXIS
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief