vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: LA

Complaint narrative:
I received a credit report alert that my credit had changed. A debt of XXXX was added to collections on my credit. The originator was XXXX XXXX and the collector was sequium. So, I call sequium immediately. I was told that the collections was for services rendered from XX/XX/XXXX. I asked what services and what charges. She told me she didnt know. I asked her repeatedly the same question and how am I supposed to pay a debt I dont know what its for. Oddly enough XX/XX/XXXX is when I started services with XXXX. I still have that same line and services and have made XXXX changes to my account. I looked at every bill from XX/XX/XXXX to XXXX and found nothing. I was actually calling them from the account erroneously sent to collections and explained this to her. She claimed all I can do is dispute it but still owed the debt. 

I called XXXX and spoke to three different departments. Not a single representative can find any charges to my account that would be sent to collections and my account was current and there is nothing on my account for {$990.00}. I even spoke with XXXX internal collections and there is nothing on my account. 

XXXX said they cant do anything and I can file a dispute with the credit company. 

So, in short, my credit has taken a major hit for a bill I never owed and not even XXXX can find.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
the dispute was filed so long ago i dont recall each transaction or amount of each transaction but the disputed amount is for {$3100.00} and was filed all the way back in 2021 and my claim is still yet to be resolved. i've submitted all documentaion thats been requested from me and have called countless times as to the status of my claim and each time all they say is we can file a complaint on the timeframe of the claim but that obviously isnt dong any good because wer 're going on 3 years with no resolution to the claim

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 2023-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
My phone and credit cards that attached to my account was stolen and used by the Thief. they made two transaction that was not authorized on my behalf on my account .they send my money to other accounts that I cant see anymore but I Reached out to cash up multiple times they declined my dispute. Didnt really give information on why it was declined. It just says a payout and a recipient names. also, reached out to customer support with Cash App Multiple times. Customer service reps was really rude hanging up the phone wont let me talk to the manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
For months I have always paid my bill on time and always pay the first week of every month. My bill due date is around the XXXX every month. I got a few late fee 's that I didn't see until paying my bill one day. I wrote them and got it resolved and the fee 's and late payment taken off. On the phone the woman admitted that if I pay my bill always the first week there is no way it could be late. 

Come last month I get a {$30.00} late fee and I know what is next addional fee 's so I wrote them again and got a bot that didn't answer any questions. So I waited till the next day and wrote them. They said they removed the last late fee ( Which was their fought ) and will not remove anymore. 

I sent them over screenshots showing every month I have paid over the amount due and some months I pay 2 payments to help pay the bill off before interest occurs. I told them to show me proof of why the payment is late and showing them proof that I always have made the payment on time. And even went on to say this happened before and it was your error. 

They in return as of today killed my log in. So I know they are going to try to get fee 's, late fee 's and such. I think why they XXXX  my account is I showed them proof they are doing fee 's when I was on time. I also told them I was going to turn them in to the credit card oversears such as yourself. Today I tried to log in to see the error. A friend of mine also uses synchrony and logged into his account fine. So I'm sure they are pulling some stuff. I contacted XXXX and told the if I can't log in I can't pay my account. And told them I am turning them over. 

I am uploading proof that my account has never been late and their practice are straight garbage. The company is synchrony I have several cards with them but only one left to pay off. I think they get very upset that I always pay off before interest occurs. 

I am including including my message to them. You can see by my payment history that I have paid always on time. Sometimes paying 2 times the same months to drop the last pay off. A always work to pay off my bills early. And I am confused as if its always paid by the first week when how and why could a late fee occurs. I have included in my statements which only shows the last few numbers of my account. I have all my statement only uploading a few. 

Mainly I want this to be a paper trail when they don't allow me to assess my account and add a bunch of fee 's when I have to go to court I'll have bases to sue them.

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 2023-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Albert Corporation
State: CA

Complaint narrative:
I, XXXX XXXX, have been a victim of fraud and theft which lead to unauthorized charges on my Albert bank card ending in XXXX. On Friday, XX/XX/XXXX. I reported the crime to XXXX PD, the unauthorized/ fraudulent Albert card transactions were investigated and deemed as felony theft and fraud crimes. 

On Friday, XX/XX/XXXX, I provided the XXXX Police Departments case # XXXX, to Albert for supportive evidence of the fraudulent charges. 

I repeatedly request for Albert to act on the fraudulent charges and have not received adequate consumer support. 

I have repeatedly requested for their response via email 6 times without any response. 

Via text, Albert continues to only text communicate with me, avoiding addressing the fraudulent charges solution. 

I have approximately {$500.00} in fraudulent unauthorized charges on my Albert card that I am requesting for Albert to address immediately. 

Per XXXX PD, no one from Albert had yet reached out to confirm this case and fraud / theft crime. 

I stated that I am requesting immediate attention to this matter due to immediate financial obligations as this fraud occurred on my pay day I also informed Albert that I will also be pursuing legal action for Albert to address this fraud that has left me robbed with damages for approximately {$500.00} as they continue to neglect clear communication with their process in which they intend to carry out

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 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:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I maybe entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mines and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you VERIFIED that this item was being REPORTED CORRECTLY? WHO verified this account? You have not provided me with a copy of any original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC 1681i ( a ) ( 7 ). Please be advised that under 15 USC 1681i ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information which can not be verified.

THIS LAW IS VERY CLEAR AS TO THE CIVIL LIABILITY AND THE REMEDY AVAILABLE TO ME 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand this account be verified or deleted immediately. 

Account 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
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
According to 15 USC 1681A ( 2 ) Exclusions, -Except as provided in paragraph ( 3 ), the TERM " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; These Accounts have violated my rights According to 15 USC 1681A : ( 1 ) .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, are considered transactions. 
Therefore, all late payments should not show on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23 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: TX

Complaint narrative:
According to 15 USC 1681A ( 2 ) Exclusions, -Except as provided in paragraph ( 3 ), the TERM " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; These Accounts have violated my rights According to 15 USC 1681A : ( 1 ) .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  LATE PAYMENTS, are considered transactions. 
Therefore, all late payments should not show on my consumer 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 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I maybe entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mines and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you VERIFIED that this item was being REPORTED CORRECTLY? WHO verified this account? You have not provided me with a copy of any original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC 1681i ( a ) ( 7 ). Please be advised that under 15 USC 1681i ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information which can not be verified.

THIS LAW IS VERY CLEAR AS TO THE CIVIL LIABILITY AND THE REMEDY AVAILABLE TO ME 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand this account be verified or deleted immediately. 

Account XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23 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: TX

Complaint narrative:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I maybe entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mines and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you VERIFIED that this item was being REPORTED CORRECTLY? WHO verified this account? You have not provided me with a copy of any original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC 1681i ( a ) ( 7 ). Please be advised that under 15 USC 1681i ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information which can not be verified.

THIS LAW IS VERY CLEAR AS TO THE CIVIL LIABILITY AND THE REMEDY AVAILABLE TO ME 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand this account be verified or deleted immediately. 

Account 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 2023-09-23 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: LA

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2023-09-23 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.

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 inructions 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 2023-09-23 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: PA

Complaint narrative:
I would like TransUnion to remove theses items off my credit report please. I didnt authorize and l also didnt give permission for anyone to run my credit report.So I would like to have them removed from my credit report ( 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 .This is a violation of US CODE1681I ( 5 ) removal of inaccurate invalidated credit information and a violation of 15 US CODE 1602 ( P ) unauthorized use of my credit information please remove immediately thank you.

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 2023-09-24 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: PA

Complaint narrative:
First progress card Secured Cards has {$2000.00} hold on my accounts reported my account to Transunion and XXXX after 30 days of non payment minimum due instead of waiting 90 days plus holding my {$2000.00} for security deposit. These people has. I shame because I explained this on a fax. The problem was I was overseasast 4 months and they charged me annual fee of {$29.00} when I was overseas for service. They never sent me any email about it as well so of course XXXX couldnt make the payment not knowing I owe them money. I made the maynent as soon as I came back from overseas plus with late fees. But THEY HAVE NO SHAME they destroyed my credit report even after 30 days of missed payment. All other credit cards wait for 90 days but these crooks didnt want to wait and they purposely destroy my credit score. I want them to IMMEDIATELY remove the credit report and compensate for the damages they caused me please Credit cards ending XXXX and XXXX They have a terrible system of making payment anyway. Customers dont have a way to make payment instantly but wait almost 2 weeks so i can send the money digitally from my own bank. Thats how they make their customers fail their payments otherwise they would had better and faster payment methods. Plus they holding XXXX {$1000.00} security deposit anyway so why would they report me after 30 days and I am overseas plus they never sent any email about the yearly fee {$29.00} because I never even use these terrible cards

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 2023-09-24 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: PA

Complaint narrative:
First progress card Secured Cards has {$2000.00} hold on my accounts reported my account to XXXX and Experian after 30 days of non payment minimum due instead of waiting 90 days plus holding my {$2000.00} for security deposit. These people has. I shame because I explained this on a fax. The problem was I was overseasast 4 months and they charged me annual fee of {$29.00} when I was overseas for service. They never sent me any email about it as well so of course XXXX couldnt make the payment not knowing I owe them money. I made the maynent as soon as I came back from overseas plus with late fees. But THEY HAVE NO SHAME they destroyed my credit report even after 30 days of missed payment. All other credit cards wait for 90 days but these crooks didnt want to wait and they purposely destroy my credit score. I want them to IMMEDIATELY remove the credit report and compensate for the damages they caused me please Credit cards ending XXXX and XXXX They have a terrible system of making payment anyway. Customers dont have a way to make payment instantly but wait almost 2 weeks so i can send the money digitally from my own bank. Thats how they make their customers fail their payments otherwise they would had better and faster payment methods. Plus they holding XXXX {$1000.00} security deposit anyway so why would they report me after 30 days and I am overseas plus they never sent any email about the yearly fee {$29.00} because I never even use these terrible cards

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