vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/2022 I was hit with over {$9000.00} in fraud charges from XXXX thru Paypal. The fraud hit several cards, and my bank account. 

I have provided proof from XXXX that the charges are indeed unauthorized. My bank and other cards have resolved this months ago ; however, Synchrony Bank will not remove the charges. Moreover they are charging interest. 

I have attempted to contact Synchrony Back ad nauseam. They will not correct this matter even though I've sent proof that charges were unauthorized. 

Please Help!!!

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 2022-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance wit the fair credit reporting act XXXX XXXX XXXX account number XXXX, XXXX XXXX Account XXXX XXXX ; XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX ; XXXX XXXX XXXX Account XXXX XXXX ; XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX ; XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX ; XXXXXXXX XXXX Account # XXXX ; XXXX XXXX XXXX  Account XXXX XXXX ; XXXXXXXX XXXX XXXX  Account # XXXX ; XXXX XXXX XXXX Account XXXX XXXX ; XXXX XXXX XXXX  Account # XXXX ; 15 USC 1681 Section 602A States I have right to privacy. 

15 USC 1681 Section 604A Section 2 also stats a consumer reporting agency can not furnish an action without my written instruction. ;

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 2022-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance wit the fair credit reporting act XXXX XXXX XXXX account number XXXX, XXXX XXXX  Account XXXX XXXX ; XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXy Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX ; XXXX XXXX XXXX  Account XXXX XXXX ; XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX ; XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX ; XXXXXXXX XXXX Account # XXXX ; XXXX XXXX XXXX  Account XXXX XXXX ; XXXXXXXX XXXX XXXXC Account # XXXX ; XXXX XXXX XXXX Account XXXX XXXX ; XXXX XXXX XXXX Account # XXXX ; 15 USC 1681 Section 602A States I have right to privacy. 

15 USC 1681 Section 604A Section 2 also stats a consumer reporting agency can not furnish an action without my written instruction. ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I used my Venture card to purchase airfare. That trip was cancelled by the airline due to COVID 19. The airline issued me a voucher for the amount paid to be used within one year. The airline ceased all operations shortly after issuing the voucher and has recently filed for bankruptcy. There was no time when it was ever possible for me to use the voucher and it expired. I asked CapitalOne to reimburse me for the purchase as I received no goods in return. I was denied by CapitalOne for various reasons. One time I called in and they told me to wait to see if the airline would make amends. The next time I called in CapitalOne told me it was too late to get any reimbursement. I wrote two formal letters to CapitalOne but received no help. Ultimately, I paid for a service I never received and both the airline and CapitalOne showed no signs of helping me. I lost nearly {$400.00}. Other travelers on this flight who booked their airfare with XXXX and XXXX XXXX DID receive a full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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: FL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe depression and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-09-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe depression and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I did not authorize nor consent to the following accounts being furnished on my consumer reports. 
1.XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
During the year XXXX regions bank has charged me overdraft fees in the amount of {$800.00}, all of which on my account balance showed enough money to cover every charge that was on my account. when regions were contacted about the overdrafts and the fee 's associated with regions informed me of the overdraft policy but was unable to explain how my balance was able to cover all the charges but then the next day have a negative balance and an overdraft fee for multiple charges. I contacted the main branch and brought bank statements and showed how the night before I had the money to cover every charge on my account then the next morning I would have a negative balance and several overdraft charges the banker called customer service and still could not give me an answer as to how this was happening but informed me that I had to pay the {$500.00} dollars after I had already paid {$300.00} of fee 's that they claimed was overdrafts. since then regions has charged off my account and Im unable to sign into regions at this time, I have switched banks still have all the same bills but have not had a single overdraft fee.

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 2022-09-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP
State: LA

Complaint narrative:
I was a month ahead on my auto loan payments with US Bank, and I needed extra money this month, so I turned off autopay the week before the payment was due. Then they still withdrew the money 2 days late, which nearly overdrew my account, though they showed it as being timely in their system.

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 2022-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing a complaint against XXXX and TransUnion credit agency for not allowing me as a consumer to dispute unauthorized inquiries that are on my credit report. Both bureaus told me to file a police report with the police department, I did and call back they still would not accept nor allow me to file a dispute. It is my understanding that anything inaccurate on your credit report you have the right to dispute. 
You go to one dealer to purchase a car next thing you know you have multiple inquiries, if you have only authorized one and have 2,3 ,4, and more that is unauthorized if you did not give permission or had no knowledge the same thing with mortgage. Please help me in getting this resolved.

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 2022-09-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AVANTE
State: NC

Complaint narrative:
I Have made XXXX calls to get information on debt after pulling credit report. Contacted debt collector listed in XXXX of XXXX and again in XX/XX/XXXX and provided my current address and phone number. 
I requested account numbers and to which they stated they did not know them, if they did know them, they didn't have to and wouldn't provide them until I made full payment. 

When I contacted again XXXX  to request information I stated that I needed to have all information regarding the debt so I could make informed decisions regarding them and try my best to resolve. 

They finally provided me with account numbers for their company and the original creditor. I requested the total amount due and they told me {$870.00} but could be higher due to interest. When I explained that I was under the impression that my insurance covered these they very rudely stated it was not their problem and that I was responsible. I spoke to a XXXX XXXX XXXX  XX/XX/XXXX. 

I deny and dispute the validity of this alleged debt entirely. The contract or agreement must be with the original creditor and signed by all parties involved, which at this point would be XXXX XXXX XXXX, myself and Avante USA. This is not the case. I have not signed any documents with Avante USA ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XXXX, XXXX, I reached out to XXXX XXXX ( $ XXXX on CashApp ) to create an album cover for me. I expressed to him the time I needed it by, he told me the price, and said that it was no problem for him to get it to me by then, specifically within 2-3 days. I paid him on XX/XX/2022 via CashApp. Well he never met the deadline that I expressed ahead of time, and tried to send it to me the day of my album release. I requested my money back due to fraud on XX/XX/2022, but was denied. I wrote a letter to them on XX/XX/2022, but was still denied. This merchant committed fraud by not fulfilling his guarantee, and this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My Business Office Phone Number ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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 a account without my written instructions

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 2022-09-28 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
Medical Data Systems has not validated the debt and the debt does not belong to me. Medical Date Systems is in violation of the Federal Debt Collections Act pursuant to 15 U.S. Code 1692b - Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; Medical Data Systems please Cease and Desist pursuant to Federal Debt Collections Act 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; Immediately remove the collection account from my credit report. Medical Data Systems has not validated the debt and the debt does not belong to me.

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 2022-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
I got an email at XXXX in the morning saying my personal checking account with Wells Fargo was activated. At XXXX I get an email stating my personal information was updated. 

I did not create this account nor would I EVER bank with Wella Fargo. The next day I reported it to Wells fargo where the fraud personnel stated we have seen a lot of this fraudulent accounts come through lately. Ok so what are they doing to stop this? Why would they allow someone to use my social security number to set up a checking account just to change my personal information in 2 minutes! Not only that, normal banks make you bring in a form of ID to a branch to verify identity. 

I was in the process of Purchasing a new vehicle when I had to call all three credit bureaus to put a freeze on my credit so that no new accounts could be opened in my name. 

I believe that Wells Fargo is either creating these accounts or not implementing the appropriate security protocols to circumvent these fraudulent accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Case Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681.

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

15 U.S.C. 1681 Section 604 A, Section 2 States a consumer reporting agency can not furnish an account without my written instructions.

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 reason to believe that the information is inaccurate.

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.

Company response to consumer: Closed with explanation