vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
AFFIDAVIT COPY : Affidavit in Response to Request for Tracking Number PayPal , XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX As PayPal was previously informed ( See previous attachments to this dispute ), XXXX as a company did not inform me ahead of time that there would be shipping fees involved in returning a defective scanner. Their advertisements lead the customer to believe the buying process would be trouble free. Their entire approach to this product is false advertising. 

Therefore, I have NOT returned the product because XXXX will not pay for the return shipping. If XXXX will issue a PAID return label, like Amazon does, then in that case I will return it. 

If PayPal aides and abets XXXX in their schemes to defraud consumers then I will have no choice but to file false advertising complaints with all consumer protection and financial regulation agencies. And I will not choose PayPal credit for any future purchases. 

Regards, XXXX XXXX _ -- -- -- -- -- -- -_ -- -- -- -- -- -- _ -- -- -- -- -- -- -- -- -- _ -- -- -- -- -- -- -- -- -- _ AFFIDAVIT 2 COPY : Affidavit in Response to Request for " credit receipt showing details of the payment '' Case ID : XXXX XXXX XXXX XXXX & CEO PayPal , XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, This affidavit is directed to you personally in response to your dispute center team 's excessive requests of me to produce obscure, uncertain and unending items in a dispute resolution case. The most recent request for " credit receipt showing details of payment '' is vague and I am unsure exactly what PayPal is asking me to produce. 

The best response I have is a screen capture of PayPal credit 's own page pertaining to future payments due on the DEFECTIVE scanner. 

In view of the forgoing a credit to my PayPal credit account is due as a refund for the DEFECTIVE scanner. 

I see from the dispute case that XXXX has not even responded to PayPal regarding the DEFECTIVE scanner they sold me through FALSE ADVERTISING. 

The screen capture will be uploaded seperately. 

Regards, XXXX XXXX XXXX ; Attorneys General FTC XXXX CFPB

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 2023-03-20 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: PA

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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 XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2800.00}.

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 2023-03-20 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: PA

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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 XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
In accordance with the fair credit reporting Act this creditor has violated my rights Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC section 604 section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: TN

Complaint narrative:
XXXXredit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-03-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK
State: NY

Complaint narrative:
On XX/XX/2022, ( 6 ) unauthorized withdrawals were made from my Online Savings account with Discover Bank using XXXX. 

I received a phone call from a Discover Bank employee, after the 5th withdrawal asking me if I was aware of these transactions. I believe the phone was recorded. 

Immediately, I told the employee to freeze my account, it was a fraud. 

Discover Bank refunded a Provisional Credit of {$1800.00}, to cover the criminal actions. 

Then, Discover Bank reversed their decision and took the money out of the account without a reason. 

They sent the case to the Legal Dept. for investigation. 

I reported the loss to the XXXX Police XXXX in XXXX. Detective XXXX investigated the case for 2 months and made a recommendation to Discover Bank. 

Discover Bank still refused to honor the Detective 's investigation and does not give any explanation why it won't return my {$1800.00} Savings. So, I closed my account. 

I've been trying to hire an attorney who works on XXXX Fraud cases. People I've spoken to only work on XXXX cases over {$5000.00} in losses. So, I'm still searching for an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: AR

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 U.S.C 1681 ARKANSAS CHILD SUPPORT 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. 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 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 2023-03-20 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: VA

Complaint narrative:
On XX/XX/XXXX I disputed several personal addresses and collection/charge off accounts on my credit report. On XX/XX/XXXX I received notification from XXXX that the accounts have been verified. The Law states that the items disputed need to be removed within 4 days of receiving my complaint. 

XXXX is violating Section 604 15 U.S. Code 1681 B which states the credit reporting agencies dont have the right to report anything on my credit report without my written consent. 

XXXX is also violating Section 605 A 15 U.S. Code 1681 C-1 Without my consent means identity theft XXXX is also violating Section 605 B 15 U.S. Code 1681 C-2 XXXX was notified that the disputed accounts was a result of identity theft and I didnt consent to the accounts being on my credit report and XXXX still has not removed the accounts from my report XXXX is also violating 15 U.S. Code 1666

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 2023-03-20 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: VA

Complaint narrative:
On XX/XX/XXXX I disputed several personal addresses and collection/charge off accounts on my credit report. On XX/XX/XXXX I received notification from XXXX that the accounts have been verified. The Law states that the items disputed need to be removed within 4 days of receiving my complaint. 

XXXX is violating Section 604 15 U.S. Code 1681 B which states the credit reporting agencies dont have the right to report anything on my credit report without my written consent. 

XXXX is also violating Section 605 A 15 U.S. Code 1681 C-1 Without my consent means identity theft XXXX is also violating Section 605 B 15 U.S. Code 1681 C-2 XXXX was notified that the disputed accounts was a result of identity theft and I didnt consent to the accounts being on my credit report and XXXX still has not removed the accounts from my report XXXX is also violating 15 U.S. Code 1666

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: CA

Complaint narrative:
On XXXX XXXX XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$46000.00} XXXX  XXXX Balance : {$5000.00} XXXX  XXXX  XXXX Balance : {$2700.00} XXXX XXXX XXXX Balance : {$0.00} 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 2023-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I canceled equifax credit services and they keep enrolling me in it, without my consent, as well as trying to charge my card after cancellation without my consent and making it difficult for me to cancel online, and offering me no explanation when I called in to stop them from charging me for the membership I canceled. Dropping my score when the payment fails. Disabled my cancellation button after I cancelled. When I called the answer I received was I canceled in the middle of a bill cycle so the product does not cancel even though I cancelled it. I dont understand the explanation they gave me when I called them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: CA

Complaint narrative:
I had downloaded an app from XXXX on my iphone on XX/XX/XXXX that I saw an add for that stated its service would allow you to see what kind of person your soulmate was. Upon downloading I realized it was a horoscope app that was confusing and difficult to navigate. I spent about 3 minutes in app and that's it. I forgot to delete the app and was charged {$29.00} on XX/XX/XXXX. Yes I am to blame for not deleting the app, but I also did not have a card on file that could be charged. XXXX proceeded to charge it to a card I had cancelled when I reported it lost/stolen on XX/XX/XXXX to cash app. It is a cash app card. I first filed a dispute with XXXX that was denied. I asked for a review which was also denied. I then contacted cash app wich has denied my dispute 3 times in app. I filed a complaint with the XXXX I was then contacted by XXXX from Cash app executive relations team who informed me that they reviewed my dispute again and again found no errors with the charge. They stated that a merchant can force a transaction through to my account regardless if I lock my card or report my card lost or stolen. Since I filed the report against cash app they have made it nearly impossible to use my cash card for purchases, blocking transactions due to claims that it is blocked due to unusual activity. These blocked charges have been made to the merchants multiple times in the past from my account so to say they are really blocking the charges in my best interest is ridiculous. Also my mom sent me a {$20.00} payment which they help for hours before making it available to me, which is never the case prior to this. Transactions that are seen in my history are available as soon as they post, but not since the complaint was filed. I then contacted XXXX again, this time text to a live agent and they said they tried to issue a refund but I highly doubt that. It was unable to be processed. I'm not sure why this particular charge is sticking. Every other time I had a charge go through that I didn't intend on making I have been issued a refund without a problem. This time even though the card was invalid they are not willing to give me my money back. I feel that based on the circumstances of the card that was charged was reported lost or stolen 4months prior to me downloading this app, it should not be a valid transaction and I should get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: CA

Complaint narrative:
This complaint will serve as a follow-up to my previous letters sent last XX/XX/2023, to block or remove these accounts which I believe to be erroneous : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$18000.00}

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 2023-03-20 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: GA

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 ; XXXX XX/XX/2022.

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 2023-03-20 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: GA

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 ; XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have contacted the credit bureau regarding my most recently reviewed consumer report, there are unverified accounts listed. I have received mail from various companies seeking to collect an alleged debt on behalf of another company. How can multiple companies collect on the same debt? I have never heard of nor done any business with them. These companies have yet to provide any validation documentation. I found that to be odd because for one the credit bureau is to report nothing but accurate information about me. As a reference, please see the below accounts in question that must be REMOVED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX - XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX

Company response to consumer: Closed with explanation