vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
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. Account : 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. 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 XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2024-12-31 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
On XX/XX/XXXX, I went into XXXX XXXX. I purchased a mattress, a foundation and XXXX sets of sheets for {$7900.00}. I opened a finance account through them that is owned by Synchrony Bank. I was given my paperwork and told my payments would be 0 % interest at $ XXXX  monthly payments. It showed on the paperwork my balance was {$7900.00} for the entire purchase. About a week later I received my card in the mail and upon activating it, noticed that it already said my balance owed was {$720.00}. XXXX XXXX didn't explain that I would billed in separate amounts as I thought these were fraudulent. When I called Synchrony about it, they didn't thoroughly check to know it was the sheets they just said they would dispute the charges and had to open a new account for me. On XX/XX/XXXX, I received my delivery of my mattress and foundation. On the same day, I returned the XXXX sets of sheets to the XXXX XXXX store and exchanged them for pillows and a XXXX XXXX in which I received a {$68.00} credit I was told would go back to the credit account. In XXXX I logged into my Synchrony account and noticed that they had my balance over $ XXXX. I called Synchrony on XX/XX/XXXX to find what was happening. I was transferred to XXXX different people, the final woman I spoke with stated that she realized the problem. The problem was that the initial {$720.00} I disputed was correct and XXXX XXXXr failed to explain to me that things would be billed as received. So when Synchrony made a whole new account for me and was adding the charges to the account they accidently put a charge for {$7200.00} on the account XX/XX/XXXX and again on XX/XX/XXXX put another charge of {$7200.00}. She explained she was submitting this dispute for account correction and it could take up to 60 days. It has now been past 60 days, Synchrony has not corrected the account balance to show the correct amount that should be under {$7900.00} at this point as I made a {$280.00} payment recently and had the {$68.00} credit. My credit has also suffered due to their inability to correct the account balance.

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 2024-12-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Butler, Butler & Rowse-Oberle, P.L.L.C.
State: MI

Complaint narrative:
BUTLER LLC continues to try to collect a debt from 2007 that was paid. adding tens of thousands of dollars in interest garnishing wages. breaking FDCPA. refusing to supply the contract. 

XXXX and there legal department and debt collection lawyers continue to violate the federal debt collections practices act by adding XXXX in interest onto a XXXX loan where the contract clearly stated they could not. they took a debt that was XXXX years old. did not properly serve and gained a default judgment XXXX years AFTER the statue of limitations ran out. They REFUSE TO provide me with the contract so I can resolve this in a civil suit. Intentionally hiding evidence in order to gain judgments and steal from my family. they refuse to give me a copy of the original loan contract. they continue to get garnishments on a breached contract. a contract that stated they can NOT collect additional interest on this contract. A contract that hold an abirritation clause yet they refuse to provided the arbitration company. i have not only paid this debt in full they continues to take my wifes tax refund that we receive only because of the child tax credits and earned income credits. they have added interest onto the loan though it is likely they are hiding the contract so the full terms can not be given to a judge. the judge himself when i tried to file paperwork pertaining to these false claims made by XXXX and butler PLC that he did not have the contract. i tried to request them before the hearing and they refused to give them to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
The credit card company of Navy Federal on XX/XX/XXXX is when my statement ended, my balance was XXXX on XX/XX/XXXX I made A purchase for XXXX that same day I made A payment for the same amount I made The purchase for using a transfer from my savings account of XXXX, instead of the current balance reflecting my payment and posting the same day made since all transactions were from my NF accounts, they waited to post the purchase AFTER I made The payment making my current balance higher than my actual purchase payment which should be less. So they still are charging me for the same amount I made The purchase for of XXXX Please rectify this company is stealing monies from consumers, the supervisor XXXX I spoke To today XX/XX/XXXX states that my balance zero out, when it should have been less due owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
Victim of identity theft. Several accounts on credit report are not mine.

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 2024-12-31 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: CO

Complaint narrative:
I am writing to dispute inaccurate information on my credit report regarding accounts that have been marked as late payments. After thoroughly reviewing my records, I confirmed that these accounts were, in fact, paid on time. 

This incorrect reporting has negatively impacted my FICO Score. Under US Law 15 U.S.C. 1666b, pertaining to late payment remarks, I am entitled to a fair and accurate investigation of disputed items on my credit report. I kindly request that the status of these accounts be corrected to reflect timely payments.

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 2024-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc.
State: OH

Complaint narrative:
On XX/XX/year> an unauthorized person accessed my Money Lion checking account and through an instacash option with this company was able to remove {$2100.00} in an unauthorized on-line withdrawal. My checking account with my XXXX XXXX Bank was also accessed through a linked debit card that I had in place with Money Lion. I have spoken with both companies. The XXXX XXXX XXXX  fraudulent withdrawal from my account was {$1200.00}. My XXXX XXXX fraudulent withdrawal has been corrected by the bank and this money has been replaced while an investigation occurs. Money Lion have not been as easy to work with to have this resolved. I have called their customer service several times and have sent e-mails to them. Unfortunately, my hearing doesnt allow me to understand fully what the customer service person is saying related to their accents. The e-mail responses appear to be AI generated with no specific response to my e-mails.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-31 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: 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 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 2024-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: NY

Complaint narrative:
A credit card was opened in my name, " XXXX XXXX XXXX XXXX XXXX' and now a collection agency is negatively affecting my credit by trying to collect on it. I was incarcerated at the time this was opened ( XXXX ) so they can't and haven't provided proof of me opening this card. I need this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2024-12-31 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: LA

Complaint narrative:
This account was sold to a collection agency, and I request that you update the credit report to reflect the proper status of this account. The account should not be listed as " open '' if the debt has been transferred to a third-party collector. According to the Fair Credit Reporting Act ( FCRA ), all information reported must be accurate, and I believe the current reporting is incorrect. 

I request that you investigate this matter and correct the account status to reflect the following : The account should be marked as " sold '' or " transferred to collections '' rather than remaining open. 
The collection agency should be reporting the debt separately. 
If you are unable to verify this account or its status, I request that it be removed from my credit report. 

Please notify me once the investigation is complete and the necessary corrections have been made. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: LA

Complaint narrative:
This account was sold to a collection agency, and I request that you update the credit report to reflect the proper status of this account. The account should not be listed as " open '' if the debt has been transferred to a third-party collector. According to the Fair Credit Reporting Act ( FCRA ), all information reported must be accurate, and I believe the current reporting is incorrect. 

I request that you investigate this matter and correct the account status to reflect the following : The account should be marked as " sold '' or " transferred to collections '' rather than remaining open. 
The collection agency should be reporting the debt separately. 
If you are unable to verify this account or its status, I request that it be removed from my credit report. 

Please notify me once the investigation is complete and the necessary corrections have been made. Thank you for your prompt attention to 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 explanation
Consumer complaint received 2024-12-31 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 non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Global Lending Services LLC
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. Account : 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. 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 XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Stellantis Financial Services US Corp.
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. Account : 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. 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 XXXX 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.

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 2024-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: MD

Complaint narrative:
Cash App is engaging in deceptive business practices and fraudulently misrepresented the truth in their response to your agency. On XX/XX/XXXX, a manager from Cash App named XXXX reached out to me via email introducing herself as a manager at Cash App Support. She reached out to me regarding my initial complaint to Cash App to resolve this issue and update my Cash App Records. In this email from XXXX dated, XX/XX/XXXX, she assured me that all information had been reviewed by Cash App and that on XX/XX/XXXX at XXXX XXXX  ( EST ), my account was upgraded to a Business Account. I immediately responded to XXXX, asking if my account was just upgraded in XX/XX/XXXX, how/why would I be receiving 1099 K 's for years XXXX - XXXX, as per IRS 1099 K 's are only created and distributed under very specific reasons such as ( 1 ) business operation, ( 2 ) total # of transactions over 200 and ( 3 ) overall annual limit of {$20000.00}, neither of which was the case for either of my 1099 K 's. During this email response to XXXX I asked how this was possible and she responded stating that she " can confirm that we have thoroughly investigated your concerns and provided an outcome to the issues you raised '' and she closed my case. I reopened another case with Cash App re-asking how this could be possible based on the standards set forth by the IRS and received a response from another Cash App manager XXXX on XX/XX/XXXX, stating " in reviewing your previous correspondence, I confirm that you were inaccurately informed that your account was changed to a business on XX/XX/XXXX ''. Further stating that my account was changed in XX/XX/XXXX. I asked XXXX for very specific responses, such as ( 1 ) what was the name of the business entity in XX/XX/XXXX, ( 2 ) what was the date and time that this change was made ( 3 ) what phone number was associated with my Cash App during the time the change was made ( 4 ) what address were the 1099-K 's mailed ( 5 ) all statements associated with my Cash App Account for XXXX - XXXX. I requested said information to help determine how such an inaccuracy could occur within my Cash App account. Prior to XX/XX/XXXX, I have not operated any business on Cash App. In XX/XX/XXXX I changed my Cash App from personal to a business account with Cash App as stated by Cash App Manager XXXX in the initial response from Cash App on XX/XX/XXXX. To date, manager XXXX has not been able to provide a response for my very specific questions. This error made on Cash Apps behalf is now impacting me financially and requiring me to re-pay over {$18000.00} to the State of Maryland for unreported income. Cash App can correct this error by amending the 1099 K 's created to accurately reflect the truth on the account as stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: FL

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-12-31 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: FL

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES :XX/XX/XXXXXX/XX/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 2024-12-31 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: TX

Complaint narrative:
In accordance with the Fair Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681 Idaho Housing and FINA ACCOUNT NUMBER : XXXXXXXX XXXX XXXX ACCOUNT NUMBER : XXXX 15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 602 A. It also states a consumer reporting agency can not furnish a account without my written consent 15 USC 1681c ( a ) ( c ) states no Consumer reporting agency may have any consumer report containing any of the following : Items of information. Any other adverse item of information other than records of convictions or crimes which dates the reporting more than seven years.

Company response to consumer: Closed with explanation