vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-05 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: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I was communicating on XXXX with the owner of a physical jewelry retailer, XXXX XXXX of XXXX XXXX XXXX, on the evening of XX/XX/year> regarding the special pricing and purchase of a vintage necklace ( XXXX XXXXXXXX XXXX XXXX XXXX ). After agreement on pricing, he sent me a link to his website that showed the new discounted price of the item- {$5000.00}. The website looked familiar as I had purchased from this retailer before. I went through the same previous steps of checking out and paying with my PayPal account. Upon purchase completion, I received a PayPal confirmation with the name of a merchant that did not look familiar ( XXXX XXXX with e-mail address XXXX - Transaction ID XXXX ). The retailer messaged me today, XX/XX/year> notifying me that they were still waiting on my purchase. It was at this time that it was confirmed that the account was compromised and that this transaction was unauthorized. 

I filed a police report with the XXXX Police Department and disputed this charge with PayPal ( who also issued the XXXX I used for this purchase ). PayPal determined there was no issue and closed this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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  - XX/XX/XXXX 15 U.S.C, 1681section 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 seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a 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 2024-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was called on my phone and told it was Wells Fargo there had been suspicious activity on my card and they wanted to see if it was me.I was told to log into my account and there would be two fraudulent charges that they were checking on.When I logged into my account I saw two attempted charges o my debit card that they asked if I had made I said no so they said they were going to shut down account and in order for me to have access to my funds I had to transfer money to XXXX XXXX  to have access to my money while account was frozen for investigation.I asked how do I know this is Wells Fargo and they said check the phone number on the back of your debit card that is the number we are calling from.I checked the number and it was the same number on the back of the card the fact then new of transactions on my account plus that convinced me it was Wells Fargo .So I followed there instructions to transfer money to XXXX XXXX so I would have access to my money while account was shut down.something didnt feel right so I got home phone and called on my home phone the same number just to be sure.XXXX XXXX answered and said to hang up because it was a scam.I hung up with scammer and was very relieved that I had sensed the scam and reported it.The Wells Fargo agent assured debit card was closed and not to worry.The transaction was still pending at they time so I assumed Wells Fargo was telling the truth and transaction would be stopped. Unfortunately Wells Fargo did not stop the pending transaction and it went through for XXXX XXXX.So I called Wells Fargo back to see why money had came out of my account when I had reported it was a fraudulent transfer before transfer was complete they denied my claim and wont give me my XXXX XXXX  back I am confused and deviated they this is allowed for them to do please help me get my money back!

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 2024-06-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: DISCOVER BANK
State: FL

Complaint narrative:
I have a savings and credit card account with Discover, XXXX Account XXXX, Credit Card last XXXX digits XXXX. Recently, keep in mind the credit card wasn't even due, and I usually pay it from the savings listed above. I logged onto the site, the site said that I had a {$35.00} balance in my savings, so I applied it to the credit card, apparently, there was not {$35.00} available, but Discover never alerted me to this, and they charged me a {$30.00} fee to the credit card. I immediately contacted them, them first email that I got said that the charge would stand, so I responded that I wanted written documentation from them about this charge, as well as the legal address of Discover and I received an email stating that I was to ignore the previous email that there would be no charge. Well a couple of days later the charge was till there, I contacted Discover 's Customer Service, and was basically treated horrendously, I asked for the legal address and documentation to be sent to me, the woman was rude and hostile, basically telling me we don't disclose that information. Why this my seem petty to be haggling over {$30.00}, but this is a prime example of a large corporation ripping off a working person, and after the nasty conversation with their XXXX XXXX, as well as the confusing emails, I have decided to take a stand.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Charge was made at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Kohls is stating that it will investigate but I still am responsible for that balance

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Synovus Bank
State: FL

Complaint narrative:
I noticed some unauthorized inquiries on my credit report that I would like to be removed. I never opened a credit card with First Progress. Never got a credit card from this company. I do believe this is a fraudulent application

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ

Complaint narrative:
On XX/XX/year>, we sent a termination notice to XXXX XXXX XXXX, providing a XXXX notice to vacate our apartment, with a lease termination date of XX/XX/year>. A week prior to sending the email, we gave our verbal notice in person to the property XXXX, XXXX XXXX. This notice was in full compliance with our lease agreement. 

Despite our timely notice, management claimed they never received the email and stated that our only option was to continue the lease on a month-to-month basis. This claim is incorrect, as we had previously communicated through the same email without any issues. 

Subsequently, they sent us to collections, which is both unethical and illegal. This has resulted in an unjust collections action against us. 

Attached to this correspondence are the original termination email and follow-up communications confirming our notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: MS

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.

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 informationisinaccurate.

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 2024-06-05 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: GOLDMAN SACHS BANK USA
State: OR

Complaint narrative:
When on on XX/XX/XXXX I tried to close my No Penalty CDs with Marcus Bank It was denied and I was asked to call a bank agent. Which I did. During this call I was transferred to the Security Department and then informed out of the blue that there is an alert on all accounts. They asked me my security questions which I answered promptly and properly. But when I asked what the purpose of the alert is they denied any answer only to say that they build a case and gave me the case number and said I would get an answer within 1 to 3 business days. Today after 3 days I called again and was transferred to the Security Department a XXXX XXXX. She told me that the case is still under review and I should wait for 3 more days. Again I insistiert to get an answer about the alert but she again said that she is not allowed to answer the question. Fact is that my retirement money is frozen

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 USC 1681 Section 602a States I have the right to privacy 15 USC 1681 Section 602a Section 2 states a consumer reporting agency can not furnish an account without my written permission 15 USC 1681a also requires such reporting agencies to be 100 % correct in there reporting. In have requested written documentation from your agency and the data furnisher 's you use. The data furnisher 's have related they have no such accounts on my record so I am requesting the written information from your agency : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$32000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$2500.00} XXXX XXXX XXXX # XXXX {$620.00}

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 2024-06-05 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: NV

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

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 2024-06-05 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
Credit acceptance, XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights under XXXX XXXX credit reporting and fair debt practices act. they deliberately failing to respond to demand letter and credit letters adequately. I have been demanding proof of a debt they breach of contract. I signed the contract, XXXX XXXX ( grantor and settler ) all right reserve authorize agent, nunc pro tunc.

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 2024-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Halsted Financial Services, LLC.
State: AR

Complaint narrative:
I received an email on XX/XX/24 from Halsted Financial Services regarding an account being handled for XXXX XXXX bank and offered payment options for the amount of {$420.00}. I replied to the email on the same day requesting the original contract with my signature and Halstead Financial Service signatures but received no reply. The account balance was only XXXX with the original creditor initially so I am not sure why the extra {$120.00} was applied and I never received communication informing of my right to dispute the information. This information is being reflected as a negative item on my credit report, therefore I am requesting it be removed immediately and I be compensated appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: MN

Complaint narrative:
On XX/XX/XXXX I asked Credit Acceptance for a name change on the said loan paperwork. I received forms again with the incorrect name on the paperwork. Loan also is having a bad impact on my credit and vehicle was voluntary repossessed an sold in XXXX. Since I did not receive corrected paperwork with the correct name I dont feel like Im liable for this joint loan And I want this removed from my credit since I did not receive the paperwork that I asked for several times with the correct name on it

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 2024-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After review of my credit report, I have discovered I am the victim of Identify Theft. See attached

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: 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.

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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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 2024-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 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: OH

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.

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 informationisinaccurate.

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 2024-06-05 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: OH

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.

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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
ALL CREDIT REPORTING AGENCIES MUST UPDATE THIS ACCOUNT AS PAID AND To REFLECT ON CREDIT REPORT WITH NO NEGATIVE REMARKS AND TO BE PLACED IN CATEGORY OF REFLECTION THAT SHOWS POSITIVE RESPONSIBLE REFLECTION IN POSITIVE REMARKSTO BE COMPLETELY DELETED OFF REPORT WITH NO LINGERING OR REMAINING HISTORY.

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 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
ALL CREDIT REPORTING AGENCIES MUST UPDATE THIS ACCOUNT AS PAID AND To REFLECT ON CREDIT REPORT WITH NO NEGATIVE REMARKS AND TO BE PLACED IN CATEGORY OF REFLECTION THAT SHOWS POSITIVE RESPONSIBLE REFLECTION IN POSITIVE REMARKSTO BE COMPLETELY DELETED OFF REPORT WITH NO LINGERING OR REMAINING HISTORY.

Company response to consumer: Closed with explanation