vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Letter sent certified to Experian on XX/XX/XXXX and received by them on XX/XX/XXXX. In this letter, under Sections 609 and 611 of the Fair Credit Reporting Act, I requested to see the source of information, which is the original contract containing my wet signature for XXXX. XXXX, XXXX which was allegedly opened on XX/XX/XXXX. 

Experian has failed to address this and it has now been in excess of 30 days.

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 2023-04-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I have 2 accounts with Synchrony - a Mattress Firm/Home Credit card and a XXXX XXXX XXXX XXXX. I have NEVER been late and have always been on time. However, over the past 2 years, they have decreased my credit limit so much that it lowers my credit score, due to utilization. And since it lowers my credit score, they justify lowering my limit even more. For example, I now have a card I last used in XXXX. My original credit limit was {$5000.00}. My credit limit now is {$2000.00}, but I owe {$3200.00} because I could not pay the purchase in full in 12 months. So it shows that I'm over my limit, which decreases my credit score. My Mattress Card Credit card 's limit was {$6000.00}, and they reduced the limit over time to {$1300.00}. Again, every payment was paid on time. I paid the card off, and they closed the account just when I was about to use it again. This closed account has lowered my score again. When I asked, they said my XXXX XXXX was in the XXXX. Who uses XXXX XXXX to determine credit? NO ONE! They did not use XXXX XXXX to determine my credit when I first received the card. And my credit score is the same NOW as it was back then, even though I was able to increase it, these actions with Synchrony have lowered it over time. Again, I have no late payments on my credit report and no collections. NONE! My XXXX score is XXXX when they insist that XXXX XXXX  is XXXX. It's not adding up. This is an unfair credit practice. I want my credit limit for XXXX XXXX XXXX, to be at least {$5000.00} so I can get my utilization back. I won't use the card, because I NEVER want to do business with this shady company again. They have also denied EVERY credit limit increase request even though I have NEVER EVER EVER been late with them, nor do I have ANY late payments on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Received email and text message regarding an account with Capital One that I do not have. I am an identity theft victim have never done business with Capital One. I contacted them but their system was not able to give any details about the fraudulent account at the time. However, they were able to confirm that an account was opened under my name using my social security number. I do have credit freezes with all 3 credit bureaus and with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I have sent several letters asking for validation and the method used to validate multiple fraudulent and questionable items on my credit report. I have not received back anything in over 45 days for these accounts that are very much inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life as I am trying to buy a new home. The most recent certified letter I sent was XX/XX/2023. 

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. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681b Section 604- Permissible purposes of consumer reports 15 U.S. Code 1681c2 Section 605 B- Block of information resulting from identity theft 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681c1 Section 605 A - Identity theft prevention ; fraud alerts and active-duty alerts 15 U.S. Code 1666 - Correction of billing errors 15 U.S. Code 1666b - Timing of payments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
My Apple Card has been restricted since XX/XX/2023. Since this process first started, Ive reached out to Apple Support numerous times and have followed all instructions provided to try and have this restriction lifted. Steps include resetting my Apple ID password and verifying my identity with Goldman Sachs. The restriction has been lifted temporarily twice, and each time it becomes restricted again as soon as a use it to make a purchase. This brings my account restriction total to three over the past few weeks, with zero explanation each time this has occurred. Despite continuing to follow their process and expressing how much of an inconvenience this is, my account still remains restricted with no ETA for resolution or guarantee that this will be a long-term fix.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Great American Finance Co
State: PA

Complaint narrative:
I received a store card from XXXX XXXX through Great American Finance, and they have been violating the terms of my financing agreement by calling me every month demanding I add my banking information again - stating it hasnt been added correctly. They are then charging me two and three times a month via ACH and when my bank denies the extra payments because they are duplicates, Great American Finance charges me NSF fees.

They also call and demand payment over the phone even though I have automatic debit on the account every month. The calls are almost always come from offshore outsourced agents.

They are also refusing to provide me with monthly statements, and Ive not received one since they started taking unauthorized money from my account multiple times a month.

I am an older woman with a disability and they are trying to pull one over on me and take advantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 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: Chime Financial Inc
State: OH

Complaint narrative:
hello good day from pulling my credit report I notice that their are Multiple Inquires on my credit report. 
XXXX XXXX XXXX INQUIRED XXXX XXXX INQUIRED XXXX XXXX INQUIRED XXXX XXXX XXXX INQUIRED CHIME 48 INQUIRED Now I'm just finding out about the multiple Credit Inquires on my Credit Report This is the Reason my Credit Score has not changed the company involved did not get my PREMITTION TO DO THIS. 
This has to cleared up Immediately and be Compensated for my LOST due to the company 's Lack of Common Laws of the People for the People not Credit company 's this has been going on for over THREE Years NOW???

The Law Clearly States 1681A, 16814B, 15USC1681N My Rights have been Violated as a US Citizen. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to file a complaint against EQUIFAX for violating the Gramm-Leach-Bliley Act ( GLBA ) and causing me significant harm to my credit reputation. 
In XXXX of last year, I discovered that EQUIFAX had included inaccurate information on my credit report, which had caused a significant drop in my credit score. Upon further investigation, I discovered that EQUIFAX had not verified the accuracy of the information they had reported, as required by the GLBA.Despite my repeated attempts to dispute the inaccurate information, EQUIFAX failed to correct it in a timely manner. This caused significant financial harm to me as I was denied credit opportunities that I would have otherwise been qualified for. I also suffered emotional distress and a loss of trust in the credit reporting system. 
I believe that EQUIFAX actions not only violated the GLBA but also breached their duty of care to me as a consumer. I am seeking compensation for the damages caused by their negligence, including financial losses and emotional distress.Please authenticate and provide me proof that I am, '' LEGALLY OBLIGATED '' to pay this purported alleged debts. A simple answer of being " HAVE BEEN VERIFIED '' does not constitute an adequate legal or lawful response. Respectfully delete the following immediately : XXXX ) XXXX- # XXXX ( # XXXX ) XXXX ) XXXX  XXXX XXXX XXXX XXXX ( # XXXX ) XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX- # XXXX ( # XXXX ) XXXX XXXX XXXX XXXX- # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX ) XXXX XXXX XXXX XXXX- ( # XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX  I also request that EXQUIFAX be held accountable for their actions and take steps to ensure that such a breach does not happen again. 
Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Above Lending, Inc.
State: GA

Complaint narrative:
I was having financial hardship last year and called prior to the loan going into default. I was dealing with an abusive ex threatening to take my son so I had to get a lawyer. Told them all this and the gentleman I talked to at the time said I could miss two payments and for a one time thing they could add those two payments to the end of the loan. So I elected to do so. Now I keep getting phone calls saying I have missed payments. The loan is autodebited every two weeks when I get paid. When I called to resume payments, it has been autodebited since without fail. I have spoken with them numerous times to stop calling me and telling them what I was previously told. Every phone call Im on says Im being recorded. I told them to go back and listen to that conversation to hear what I was told. They conveniently dont have it. Said I was told incorrect information and theyre sorry but I need to catch it up. Im a XXXX  mom to a XXXX. One income. No child support and no state help. I work my behind off to make sure I have enough money. Above lending doesnt care in the least bit. The loan is a {$17000.00} loan that will cost me {$33000.00} to pay off. I was falsely led to take the loan saying it was a graduation loan from a company to help fix my credit. It made my credit way worse and it costing me twice what I owed. I feel like all kinds of wrong has happened. Theyre also saying I owe for three payments and not two. Totaling over {$600.00}.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Payfare International Inc.
State: GA

Complaint narrative:
I'm a XXXX XXXX XXXX XXXX uses payfare to mediate their transactions. On XX/XX/XXXX the XXXX XXXX app went through what's considered an " outage. '' The app crashes and payments go haywire. During this specific outage, I had 2 separate deposits from two different " dashes. '' 1 in the amount of {$15.00} and the 2nd for {$21.00}. I had to make SEVERAL phone calls up until just before I typed this complaint now on XX/XX/XXXX. I had a phone call with a representative that saw that my payments were floating and confirmed they were supposed to have the money hit my account in within " 5 business days ''. I made several phone calls more because I XXXX XXXX full time, 7 days a week, and that's unfair for me to work as hard as I do, ( As a top dasher  for the last 4 months straight ) and not be compensated for my labor. In addition to that initial problem, through several more hour ( s ) long phone calls, I also had to wake up one evening after finishing my dashing day with {$19.00} in my account. I wake up to 5 charges from earlier that morning to afternoon, charging my account again, finalizing my account at that time to - {$36.00}, On XX/XX/XXXX around midnight. I made SEVERAL phone calls after that, to no avail. Days later, I get a notification in the interim, saying that the XXXX XXXX XXXX has been having issues with gas stations and pending charges. After more phone calls and getting the " run-around '', I spoke with another dasher direct representative who confirmed that my balance during that phone call was {$63.00} and that my account was supposed to reflect {$120.00}. And was still missing {$59.00} in more floating payments. 

The total of money missing is : {$15.00} ( 1st deposit XXXX ) {$21.00} ( 2nd deposit XXXX ) {$56.00} ( - {$19.00} -> - {$36.00} XXXX  Money taken ) {$59.00} ( Phone call confirming additional Missing payments ) The total amount I'm missing is : {$150.00}. 

That's what I earned and is not in my account and that's all I want. I've had so much hardship begins of missing money. I've run out of gas twice because money has been missing from my account. I've been stranded with car troubles and can't use my card because they're withholding money. This needs to be resolved and if possible with extra for the inconvenience and phone call games. 

I don't deserve to be withheld from my EARNINGS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My rights have been violated. I was not informed about this debt going to collections. Please view regulations. 

15 U.S. Code 1681h - Conditions and form of disclosure to consumers. A consumer reporting agency shall require, as a condition of making the disclosures required under section 1681g of this title, that the consumer furnish proper identification. 

Date Reported : XXXX XXXX, XXXX Collection Agency XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$680.00} Amount {$680.00} Status Date XXXX XXXX, XXXX Status UNPAID Balance Date XXXX XXXX, XXXX Account Designator Code IXXXX Account Number # # # # # XXXX Creditor Classification XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 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: LJ Ross Associates
State: OH

Complaint narrative:
I am filing a complaint with XXXX XXXX XXXX and Lj Ross. I sent my first verify dispute letter on XX/XX/2023, to XXXX. On XX/XX/2023, I sent my second attempt to verify that the debt is indeed mine. There was no response from company providing validation of this debt belonging to me.The company ignored my response and did not provide any further proof of investigation. On XX/XX/2023, I had sent my third validation dispute letter to XXXX stating that no further valid documentation has been provided and this was my final warning that I would be filing complaints and pursuing litigation. XXXX ignored my response and provided no reasonable method of verification on why they verified this debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Incomm Holdings Inc.
State: WA

Complaint narrative:
The CEO of my company purchased a gift card for the birth of my child for me. They did not provide a receipt and the gift card company never activated my card. I attempted to call support and they requested a copy of my driver 's license to activate the card, I provided this and now they are saying the only way to activate is through a copy of the receipt which is unattainable. I feel as though this is a scam where they just compile money from those who do not retain the receipt of transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
To whom, It May Concern : Companies listed below we're not authorize to pull my credit and I would like these inquires removed from my credit reports. I've already reach out numeruos times now and they have failed to do anything. 

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Equifax has reported inaccurate damaging accounts on my credit profile since XXXX. I have wrote in to XXXX on several occasions dating back to XXXX, XXXX, XXXX XXXX and XXXX, asking them to remove unverifiable information. The company has never sent proof of an original contract bearing my signature for the alleged open account with credit acpt. Under federal laws the company has not complied as it is illegal to report information that they can not validate or verify. This account claims I am late and the balance is {$13000.00}. A convergent outsourcing is also reporting and has never been validated n0r verified. This information is detriment to my financial wellbeing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 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: NY

Complaint narrative:
To Whom it may concern, I am writing to dispute the inaccuracy of the following accounts listed on my credit report and late payments specifically with regard to an account CARD SERVICES Account number XXXX Reporting to ( Transunion ), XXXX XXXX SERVICES Account number XXXX ( Transunion ), XXXX CARD SERVICES Account number XXXX ( Transunion ) and XXXX XXXX XXXX XXXX XXXX  Account number ending XXXX ( Transunion ) and any addresses or names other than XXXX XXXX XXXX XXXX this is the only name I go by. My 2 address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX and XXXX XXXX XXXX, Apt XXXX, XXXX XXXX XXXX XXXXXXXX. 
This alternate address, XXXX XXXX XXXX, XXXX, GA XXXX, is not mine as was used by identity thieves to obtain credit in my name. 
Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C 1692 g, I am requesting that you either validate the account or remove it from my credit report. I do not recognize this account, and I have not received any communication from these creditors regarding these accounts. 

According to 15 U.S.C 1692 g, if a consumer disputes the validity of a debt, the debt collector must cease all collection activities until it provides the consumer with written validation of the debt. In this case, I dispute the validity of the account and request that you provide me with written validation of the debt, including the original creditor, account number, dates of activity, and any other relevant information. 

Additionally, I do not recognize how these accounts and addresses report on my credit report, including the account number, balance, or status. None of the information reported here meets the requirements set forth by the FCRA or FDCPA. 

If you can not provide me with written validation of the debt, I request that you immediately remove these accounts and address from my credit report. I am exercising my rights under the FDCPA and FCRA to ensure that my credit report is accurate and reflects only valid debts. 

Thank you for your prompt attention to this matter. 

Sincerely, 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