vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2023 at XXXX I attempted to take {$500.00} out of the ATM at Citibank at XXXX XXXX XXXX XXXXXXXX XXXX VA XXXX The machine shut down during the transaction and I did not receive my money. I reported it to the bank immediately and was told they were not responsible for the ATM since it was the drive up and not inside the building and that I had to report it to customer service since my account was debited the {$500.00}. At XXXX, I then successfully took {$500.00} out of the ATM inside the building, so there are 2 debits from my account on that day. I contacted customer service that day, but despite numerous conversations with the bank, customer service and the executive response team I was repeatedly told there was no discrepancy in the cash that day so I was lying and my money would not be returned. I filed a claim with XXXX XXXX XXXX XXXX as well as with the FTC, but have still not have my money returned. I requested that Citibank review the video at the ATM from that day but was told that information was not available without a subpoena. The executive response team informed me that I am at the end of the line and my money will not be returned I needed to stop trying to get my money back. 

All of this information has been shared with Citibank numerous times, but the response is the same. We are not responsible for the ATM outside the building.

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 2023-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Credit card PayPal XXXX Mastercard by Synchrony bank one day started to decline my transactions coming from PayPal account. Numerous calls with customer center and on average 3-4 transfers during the call lead to months of issue being unresolved and now the blocked my card in XXXX ( which had no issue before ) and I have to wait for few weeks to get it reactivated. Card itself when swiped also worked no problem. Representatives I spoke too some were not professional and rude and didnt try to help me at all. What happened is someone flagged my card for fraud while I never requested it nor reported any transaction as suspicious or unauthorized. So they flagged my card on a whim and I am stuck with suspended card for no real reason.

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 2023-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV FUNDING LLC is reporting a derogatory account transaction on my credit report without any written consent from me. I have never done business with the company not signed any contracts with the company. The company 's actions have damaged my credit rating and affected my household 's access to credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 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:
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. 

XXXX XXXX XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 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 2023-10-28 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: OR

Complaint narrative:
You are reporting inaccurate information in my credit report. Please investigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts included in disputes letters attached below :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 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: OR

Complaint narrative:
You are reporting inaccurate information in my credit report. Please investigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts included in disputes letters attached below :

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 2023-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I did not give these companies listed above my written consent to conduct credit check. 
XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I did not authorize any of the accounts to be open on any of the debts I owe. Some one stole my social security number.

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 2023-10-28 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: FL

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. 

XXXX XXXX XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 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 explanation
Consumer complaint received 2023-10-28 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:
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. 

XXXX XXXX XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 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 2023-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I was scammed by a company pretending to be a music marketing company ( XXXX page linked to a fake website ( which is now turned off in addition to the contact number ). When I discovered the company was not real, I attempted to reach out to the email address and phone numbers I had for the company - with no responses ever being received. I, then, obtained an attorney to send a Demand letter to the company via the contact methods that were listed. Again, no response AND the US Post Office informed the address the company was using as their was not and NEVER has been affiliated with the company or the person listed as the CEO and was not an entertainment company at all. I then contacted XXXX regarding how to initiate the refund/pull back from the transactions, who informed me that would need to be initiated by my financial institutions because the contact number listed for the XXXX account was no longer in service for the merchant. XXXX informed me to contact my financial institutions because they could reverse the transactions via a dispute for the charges. When I contacted XXXX and XXXXXXXX XXXX, both have refused to reverse the transactions, even with the supporting documentation from the lawyer where it was determined the company was a scam/ponzi scheme. However, XXXX approved and refunded the payments that were made from my credit card that were also involved in the scam and paid thru XXXX ( unsure how one account can approve the scam transactions, and the other account with the same financial institution are declined ). 

It's very good to know that a financial institution that bears the XXXX logo does not back their customers as the XXXX XXXX XXXX ensures. When your financial information is compromised without your knowing and funds are transferred via cash transfer services, the CUSTOMER should be the one at the forefront and provided with peace of mind that their TRUSTED financial institution will do the right thing and refund the STOLEN money back to their account. This has been going on OVER 1 DAMN YEAR and this XXXX bank continues to drag something out that could have been resolved in XX/XX/2022 when I spoke with the representative the first XXXX time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am writing to dispute the recent incorrect charges and late payments that have been reported on my JPMCB account. This account was closed in XXXX, and I am concerned that late payments for XXXX are being inaccurately reported. I request your immediate attention and assistance in resolving this matter as this has caused me extreme financial harm. 
I have carefully reviewed my credit report, and I was surprised to find that late payments are being reported for the year XXXX on the JPMCB account. This is inaccurate as the account was officially in XXXX, and I have not made any transactions or late payments on this account beyond that date. 
These inaccuracies on my credit report may negatively impact my creditworthiness and my ability to obtain a home. 
The Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies maintain accurate and up-to-date information on consumer credit reports. 
I encourage you to view the documentation that I have attached to this compliant as it contains the letter I've sent to XXXX and JPMCB, along with a copy of the inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Synchrony recorded a transaction of {$10.00} on XXXX XX/XX/2023. This account was closed in XXXX, XXXX. I am not happy with opening of closed account without my knowledge and recording transaction. 
Can you please help to take action and prevent Synchrony in recording transactions on closed accounts? 
Kind regards, 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 monetary relief
Consumer complaint received 2023-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: MI

Complaint narrative:
I sent the company a certified letter requesting them to validate the debt they are reporting to the credit agencies. I asked them to respond within 30 days and they did not respond. After the 30 days, I sent another letter via certified mail asking for the company to delete all references to the account from my profile within 15 days. Both letters were delivered to the company, and I have a copy of the return receipt and tracking numbers. 

Tracking number for 1st letter : USPS XXXX Tracking number for 2nd letter : USPS 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 2023-10-28 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: FL

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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 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 explanation
Consumer complaint received 2023-10-28 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:
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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 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 explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Several times in XX/XX/2021 I contacted them by phone calling to address my report had in inaccurate information on it. EX : accurate address on report only. EX : not showing my student loans or reporting them. EX : tampering with score. EX : denied applications. EX : denied apartments. EX : denied auto loans. EX : denied rightful EX : Im Currently Homeless

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 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Several times in XX/XX/2021 I contacted them by phone calling to address my report had in inaccurate information on it. EX : accurate address on report only. EX : not showing my student loans or reporting them. EX : tampering with score. EX : denied applications. EX : denied apartments. EX : denied auto loans. EX : denied rightful EX : Im Currently Homeless

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Several times in XX/XX/2021 I contacted them by phone calling to address my report had in inaccurate information on it. EX : accurate address on report only. EX : not showing my student loans or reporting them. EX : tampering with score. EX : denied applications. EX : denied apartments. EX : denied auto loans. EX : denied rightful EX : Im Currently Homeless

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 2023-10-28 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:
XXXX XXXX XXXX is furnishing account information to EXPERIAN and XXXX regarding an account which I have no knowledge of. I have never done any business with the company and have never signed any contracts with the company. 

The company has obtained my personal and financial information without my consent and is using my information without my consent. 

I contacted the company via CFPB to cease utilizing and furnishing my personal information. They have responded and agreed. 

Their response is attached to this complaint.

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 2023-10-28 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
AS I WAS REVIEWING MY CREDIT REPORT I FOUND THESE ITEMS ON MY CREDIT REPORTS!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 2023-10-28 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: NJ

Complaint narrative:
I have disputed the amount of {$100.00} shown as due. This amount I do not owe to XXXX XXXX. XXXX XXXX charged the amount for the services I have never used and reported to credit agencies as this amount as due. I have disputed this twice with Experian. But the issue remain un-resolved and amount is still showing as due from me. 
Can you please help to get this incorrect amount charged by XXXX removed from the credit records? 

Kind regards, 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