vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-17 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: VA

Complaint narrative:
In accordance with the fair Credit Reporting act. The List of accounts below has violated my federdally protected consumer right to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have/ had a Gap credit with Synchrony Bank I paid off the balance on XXXX. 
See attached cashed check. 
Synchrony Bank at the end of XX/XX/ XXXX transferred all their Gap  credit accounts to XXXX. 
My payment was never posted to either account. 
Synchrony says it not their account anymore and to deal with it thru XXXX. 
I have made multiple calls to both Synchrony and XXXX. 
I have sent copies of the canceled check to XXXX twice along with account info. 
Neither company will fix this problem. 
I have XXXX that went to pay off this account and never got posted. 
If you look at the front of the check the account # is hand written twice. 
My handwriting with my name next to it and above that someone elses writing and the last 4 digits of the account # are wrong. 
At this point my XXXX has never been posted to my account. 
XXXX has my account 3 months past due and are charging me 28 % interest. 
I wont pay it because they actually owe me money. 
It had lowered my credit score ( which was XXXX ) I do I fix this??? 
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 monetary relief
Consumer complaint received 2023-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Assured Financial LLC
State: TX

Complaint narrative:
Had XXXX XXXXXXXX on XX/XX/XXXX. Received equipment from " XXXX XXXX XXXX ''. This company then invoiced XXXX XXXX for payment. XXXX processed and asked for more information. XXXX did not receive information. No invoice was ever sent to me ( XXXX XXXX told me the vendor is not allowed to invoice me until XXXX tells them they can ) The invoice was apparently issued 30 days after XXXX requested the additional information. XXXX XXXX confirmed no further communication from vendor. 
On XX/XX/XXXX I received collections notice in mail asking for payment on this invoice. - XXXX separate claims, XXXX for each piece of equipment. I contacted the collector ( Assured Collections, LLC ) and requested the invoice in question, which was sent. The one claim is incorrect amount, according to their invoice. I attempted to call the vendor, the listed phone number is no longer active. An online search for a new phone number indicated an address for XXXX XXXX that is the exact same address as the collection agency. The collection agency provided a new phone number, which goes unanswered. I passed this and several other phone numbers I found online for XXXX ( XXXX total ) to XXXX XXXX and they were unable to contact the vendor. During my search for contact information, I located over 50 XXXX claims against this company for the same issue : collection notice years after a medical procedure for supplies or services that were never billed, and no one could reach the vendor to discuss. I currently have an open fraud claim in with XXXX XXXX and they are trying to figure this out. The invoice stated that my equipment was deemed " not medically necessary '' by XXXX, but XXXX never processed the claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: TX

Complaint narrative:
I declare under penalty pf perjury ( under the laws of the UNITED STATES, if executed outside of the UNITED STATES ) that the foregoing is true & correct to the best of my knowledge. Further I certify that I am permitted by FEDERAL & STATE LAW to file this dispute. I also understand that knowing & willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001 Additionally these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods services, or money & was successful in creating some accounts. All. is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
Good afternoon, I currently have a cash app account. On XX/XX/XXXX there was a deposit of {$750.00} placed to XXXX XXXX XXXX XXXX. This is the only account that I have with Cash App. This payment was not deposited by myself nor my son, who was invited to share the account. 

On XX/XX/XXXX, my son forwarded a Cash App deposit of {$1.00} to the account as shown with document dated XX/XX/XXXX. Looking at the area on this document, the area that indicates the source is in question. It indicates XXXX as opposed to its " destination of XXXX XXXX XXXX XXXX. I was trying to email my concerns because I believe that this account XXXX be compromised. Please see discrepancy form for {$1.00}. Please disregard the handwritten from address message as I have since researched and discovered that this is my carrier and the telephone number is correct I contacted the XXXX XXXX XXXX XXXX after examining my financial statement to inquire about the two cash app transactions. I was advised that I needed to speak with Cash App regarding these transactions. I contacted Cash App and spoke with someone however there was a significant language barrier and I could not understand her response. I requested to speak with a supervisor and was disconnected. 

Your assistance in investigating this matter is greatly appreciated, as I do not know how the {$750.00} fund was added to my account and how the {$1.00} charge was not accredited to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My identity was stolen on XXXX. One of the resulting charges was for a Home Depot not even in my state. I filed, contacted each company and worked all this out. Now XX/XX/XXXX XXXX is calling telling me I owe this debit and they've been hired to collect it. They, a woman named XXXX, said I owed {$2400.00} to Home Depot from XXXX. I explained to her exactly what happened and she said " these people have your name, DOB, and social. " I will email the form needed to file fraud charges. '' They have continued to call via recording left on my voice mail that they are trying to collect a debit. I have contacted the company XXXX, Home Depot, who says I've never had an account with them and I'm not in their system, and the XXXX XXXX XXXX XXXX department to file again. I have called XXXX multiple times never returned my calls or sent me an email or letter in the mail. This makes me feel that certain someone is using my identification fraudulently but has started again since recently my bank acct was recently hacked and this is all connected to XXXX XXXX XXXX. I asked for a cease and disisst for calling me and informed of XXXX Complaint, contacting you, put me on your do not call list, and I've filled the police report I believe these are connected and pray for relief. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: WI

Complaint narrative:
Complaint filed with you for a debt on XX/XX/XXXX. I received a letter from Transworld Systems Inc in response. Stating to send them a full police report, also register with identitytheft.gov. I did these, I also submitted copies of my paychecks for the time I was supposedly living in XXXX and this debt was incurred.I work in XXXX and have for 8 years now. Never been to XXXX. 
I was given a name in their letter of XXXX XXXX, I have left numerous voicemails for her, and called the complaint line. I have not received anything back. I have called her at least XXXX time and left voice mails. 
All the information plus my pay stubs we mailed to them on XX/XX/XXXX. Registered mail, they were received and signed for on XX/XX/XXXX at XXXX. 
I have not heard anything and want this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MO

Complaint narrative:
This company has been emailing me about my deseased mother 's phone bill, which I'm not responsible for. I have proof they have been sending daily emails and now they're sending texts. According to the email they don't own the bill as it is too old to be on my credit and I had already disputed this with a prior company and it was removed 2 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UNITED COMMUNITY BANK
State: GA

Complaint narrative:
Loan XXXX XXXXXXXX This company has been notified COUNTLESS times that they are in error and are willfully committing XXXX XXXX and XXXX XXXX. They are now overdue on a bill that was sent to them for {$6900.00}. This is due to an overpayment that was sent on XX/XX/2020 in the amount of {$1400.00} and includes other XXXX fees & penalties. We need LEGAL ASSISTANCE to collect on this debt and are demanding full recovery.

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 2023-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have contacted the Courts and have included their response. According to the United States Bankruptcy Court XXXXXXXX XXXX XXXX. The Bankruptcy Court does not report information to any credit bureaus. I demand that this information be removed from my credit report as it is being reported fraudulently. The courts didnt provide this information to you. The furnisher obtained this information from non-affiliated third parties. I demand immediate removal for the following account listed on my credit report : XXXX XXXX. Failure to do so will result in XXXX per violation of illegal report violations of my consumer rights. I have attached the Bankruptcy Court response below. 

I have also disputed this in the process with all three bureaus XXXX has deleted XXXX and Transunion hasn't removed these items the credit bureaus are noon affiliated with third parties and can not report this information. I have attached the letter from bk court showing they have not to furnished nor do they report to credit bureaus.

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 2023-02-17 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: NV

Complaint narrative:
I have contacted the Courts and have included their response. According to the United States Bankruptcy Court District of Nevada. The Bankruptcy Court does not report information to any credit bureaus. I demand that this information be removed from my credit report as it is being reported fraudulently. The courts didnt provide this information to you. The furnisher obtained this information from non-affiliated third parties. I demand immediate removal for the following account listed on my credit report : XXXX XXXX. Failure to do so will result in XXXX per violation of illegal report violations of my consumer rights. I have attached the Bankruptcy Court response below. 

I have also disputed this in the process with all three bureaus Equifax has deleted XXXX and XXXX hasn't removed these items the credit bureaus are noon affiliated with third parties and can not report this information. I have attached the letter from bk court showing they have not to furnished nor do they report to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Account that were under my bankruptcy are still on reports and they shouldn't be before or after because I never gave consent to share any my information with anyone. I tried to resolve this matter on my own several times over the last couple years. I been dealing with this from XX/XX/2021 and I am tried they not responded to me as of yet with requirements I asked for. I have not received a response from them in over 90 days sense as law allows them to respond to me with proof I gave them consent to share my personal alleged transactions. They are sharing my information with 3rd party companies and making a profit without my consent or knowledge which is identity theft. Please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or ( XXXX ) such authority.

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 2023-02-17 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: EQUIFAX, INC.
State: WI

Complaint narrative:
On XX/XX/2023 I requested a free copy of my credit report at XXXX, upon receiving this report, I noticed quite a few addresses amongst other that were either outdated or places that I have never lived. I contacted Equifax and XXXX to address these matters. Equifax basically indicated they won't remove and/or update the information as it was reported to them and I should contact the companies that provided the invalid and/or inaccurate information. I did advise the agent that according to the FCRA my rights are being violated by them reporting invalid and inaccurate information. I also attempted to resolve the matter by submitting dispute requests on both bureaus websites only to receive information either the same day or next day that the information was verified or updated. In such case I am unsure how an address that I have never resided could be updated or verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: MA

Complaint narrative:
multiple names or aliases show up on my credit report, which do not belong to me or have I ever used. My name is 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 2023-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2023, I received my Social Security deposit into my bank of America checking account. On that day, a transfer or transaction was executed on my account, and {$4900.00} was taken from my account. I have no record on my online account of any transaction, no XXXX account set up, and no recipient name is set up or recorded on my account. Bank of America told me that some " inside money transfer was made from my account '' I noticed the negative balance on my account in less than 24 hours. I called the bank on the night on XX/XX/XXXX and recorded over 2 hours of a phone conversation with the bank.

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 2023-02-17 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX has violated my rights. Or a list of inquiries 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 or 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 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian keeps fraudulently trying to bill me for a " premier '' account while also putting me on this, and on top of this, refuses to remove fraudulently reported information that is fraudulently damaging my credit score.

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 2023-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: DISCOVER BANK
State: FL

Complaint narrative:
On XX/XX/2023, I submitted a domestic wire transfer ( Tracking : XXXX ) to cover an over-draft transaction, in accordance with their overdraft policy. Discover 's webpage clearly states to allow up to XXXX business day to allow for a clearing wire transfer. The next business day ( XX/XX/XXXX ), the overdraft transaction was returned and wire transfer missing, prompting customer to call customer service. 

Customer service representative acknowledged the bank 's receipt of the wire transfer, but admitted that the bank had failed to post the funds ( at time of writing, the funds are still not available on the online ledger ). 

Customer service agent further misrepresented any potential claims process by denying that Discover had any team or official mechanism to accept a written complaint of any sort, in spite of their " Consumer Advocacy '' department being advertised across their website and discouraging submitting a CFPB claim on my own accord since the bank allegedly " does not process complaints ''. 

Returned XXXX XXXX payment caused reputation damage with the organization, as well as a {$40.00} return payment fee. Further, wired funds are still absent from ledger, causing a total {$120.00} current loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I have an open case on Paypal case number : XXXX XXXX Paypal has kept my money on hold for over 5 months. 
On XX/XX/XXXX i used Paypal to receive payment for an item i sold, the total amount was {$3700.00} usd, on XX/XX/XXXX the buyer open a complain demanding a refund of {$500.00} usd, at first i denied giving the refund but after talking to the buyer on XX/XX/XXXX i did agree on giving the {$500.00} back. 
after all this i supposed to receive payment for the amount of {$3000.00} usd and till today XX/XX/XXXX of XXXX that amount is still kept on hold by Paypal. 
i have submitted proof that the item has been delivered and i have agreed to give the refund to the buyer as he requested. 
Paypal keep telling me to wait and say that the buyer 's financial institution has to fix the issue, i used paypal trusting it was a safe way to receive payment but they don't seem capable of doing nothing to help resolve this problem, I want my money for the item I have sold.

Company response to consumer: Closed with monetary relief