vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-28 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: Affirm Holdings, Inc
State: MA

Complaint narrative:
XXXX is reporting that an account was opened on XXXX XXXX XXXX  with Affirm with the balance of XXXX. This account was marked as a charge off then changed to potentially negative and unsecured. 
I have call Affirm and XXXX  to let them know that this was fraud. I made reports with them, filed a police report and after a couple of weeks and nothing was done. 
I am in despite need of completely removing this fraudulent account with affirm from my credit report because it is effecting my financial life. Somebody please help me thankyou.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 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: WA

Complaint narrative:
I sent a certified letter explaining there are incorrect information on my credit report and would like it removed. I looked at my credit report and noticed the wrong addresses are still showing up. its addresses on m credit that I have never lived at. I am hoping all 3 credit Bureau EXPERIAN, XXXX, XXXX fix the problem and remove inaccurate information of my credit report immediately.

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 2023-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: CA

Complaint narrative:
Scam collection place bought a false old phone debt. They arent authorized to collect and its not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: MoneyLion Inc.
State: IL

Complaint narrative:
Their frauding me by not allowing me in my account, when I call, they hang up in my face and avoid me. I told them some 1 stole my phone so they can change my login and their refusing to help 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 2023-05-28 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: DISCOVER BANK
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Discover Account ending in XXXX ), has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove the late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In XX/XX/2023 XXXX XXXX, Account XXXX XXXX, was reported for the second time as incorrect. Experian has failed to show actual proof of this account to me. They say 'Verified, '' as I am requesting proof. 

They also added the item on my credit report twice now XXXX  account number 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 an 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 explanation
Consumer complaint received 2023-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Well Fargo is continuously reporting negative on my credit reports. This DEBT has been paid. Please remove this debt from credit report immeditely 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 2023-05-28 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: CT

Complaint narrative:
I have asked TransUnion on multiple occasions to validate the inaccuracies on my credit report. To this day they have not. I need TransUnion to provide proof that I was the sole account holder for XXXX XXXX. This account is not mine and was opened without my permission or acknowledgment. The second account is XXXX XXXX which is being reported as late. TransUnion mailed my most recent credit report and it states that I have never been late but still, they reported it as late which is affecting my credit score.

I need TransUnion to comply with law 623. ( a ) ( 8 ) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER.

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 2023-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CA

Complaint narrative:
I called US bank to report a transaction that I do not recognize nor authorize. Customer service from US bank refused to provide any document related to the charge nor transfer my call to the fraud department to dispute it.

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 2023-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
scam collection place on debt I dont owe and they are not legal to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 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: MS

Complaint narrative:
CASHAPP is illegally withholding funds and is not allowing me to rightfully withdraw funds from my account. CASHAPP owned by BLOCK INC has not provided legal documentation to validate the lien on my account by a creditor that has not validated the debt pursuant 15 USC 1692g. According to the law a judgment from a court that has jurisdiction must be presented and accompanied with all documentation validating the debt. CASHAPP and BLOCK INC have caused great financial strain by denying me access to funds that rightfully belong to me. My rights as a consumer are being violated and CASHAPP/BLOCK INC are civilly liable to me for all damages caused by this inconvenience. This is to be considered my only attempt to amicably resolve this issue before I file a civil suit in court to receive remedy for this violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
scam collection place trying to collect old not verified debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Constar Financial Services, LLC
State: LA

Complaint narrative:
Constar Financial Services Received letter from collection agency to collect a dept that was charged off. I am currently in dispute for Breach of Contract with the Lender in the United States District Court Eastern District of Louisiana and as of date the dispute is still open.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
{$4100.00} called and disputed they will not take off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 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:
This is my 5th time reaching out to Equifax. I have continuously sent complaint after complaint after complaint. My last complaint was on XX/XX/2023 under complaint # XXXX. I repeatedly told Equifax that I have no know knowledge of XXXX. Im going to continuously fight this until it is completely removed from you bureau. Ive also reached out to to your bureau several times in regards to the illegal reporting from XXXX. Someone used my information illegally, my social security number, my date of birth and my name. I have reached out to you several times about this to let you know that my information was breached on several instances and that is what lead me to file an identity theft report with the FTC. How many times do I have to keep letting you guys know that Finewise/OPPLOANS is not my debt. I dont know anything about XXXX until I received a copy of my report. Please remove XXXX XXXX from my from my credit file as this is not my debt for the last and final time. 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 605 B section 2 : also states ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days. 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. PLEASE LOOK AT THE FTC REPORT TO SEE THAT I HAVE FILED A IDENTITY THEFT FOR XXXX XXXX THIS IS NOT MY DEBT. MY DATE OF BIRTH, MY SOCIAL SECURITY, MY NAME WERE BREACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XX/XX/2023 began disputing credit report. XXXX, Trans Union, XXXX et al have reported inaccurate information on credit report and have not deleted information reflecting an accurate 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 non-monetary relief
Consumer complaint received 2023-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XX/XX/ began disputing credit report. Experian, XXXX XXXX, XXXX et al have reported inaccurate information on credit report and have not deleted information reflecting an accurate 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 2023-05-28 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: OH

Complaint narrative:
I called to verify why inquiries that I sent letters about has not been removed they said I need to resend the letters again.

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 2023-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have a credit card " XXXX XXXX XXXX XXXX '' at the financial institution " Synchrony Bank ''. 
On recent statements for this account, I noticed fees for " CARD SECURITY '', which after some research seem to be related to a " Payment Security Program '' that I do not need and that I did not sign up for. 
I was able to cancel the service, but I would like all historical fees related to the " Payment Security Program '' to be reversed. I also believe that such automatic insurance enrollments are a disservice to customers and should not be allowed.

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 2023-05-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am interested in processing disputes on my credit report with experian To delete an remove all inaccurate information that is hurting my file. checking the data on all platforms everything is not matched. this has caused alot of errors in approvals an denials with m credit. this is issues that need to be resolved to correct my file asap.

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 2023-05-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I along with others Suffered drastically during the pandemic of XXXX not only did I get sent from here to there to talk to this person, and that person being told to wait on the phone for hours and hours just to be hung up on from Bank of America prepaid claims , and have my account frozen for no reason along with funds, but they were also stolen from me due to fraud. I expressed my my frustration in a calm, reasonable way hoping I get to a silver lining, but that never happened. I wish I knew about the ongoing lawsuits against them because I would have joined in on them. This is three years ago. I had made these claims out of three claims that were put together by Bank of America claims representative apparently only two out of three were approved, but not the third. Why I dont know why. So I requested that the third one which would be in the amount of {$10000.00} be reconsidered, because it didnt seem right that that one would be declined or denied, and the others approved when they all had the same tracing fraud in the same fashion. I was never given any provisional credit any help whatsoever. I call every day for the past three years to be put on hold, and theres been no work or any type of settlements on my claim. Bank of America claim that the reason why they didnt work on her for the first year and a half or two years was because it was frozen, which is not true because there was deposits made into the account from the other two claims so that is a lie. Let me remind you again. This is three years later after the pandemic and my funda have still not been paid. Ive literally been suffering drowning in even more debt that that money could have or should have helped me with but not only was it stolen in the beginning its being held now by BofA still with no regard or decisions being made. Im struggling so much guys. I feel like Im being taken advantage of. The only account activity that has been made and barley made is for 6 dollars interest funds for funds that have not been paid. And that was paid XX/XX/2023. Ive had enough I dont know who else to go to or speak to because all BofA prepaid says to me is sorry they have no communication to the back office that handles the claims but they do acknowledge the fact thats its taking a long time and they will submit complaints but nothing still gets done. Please I know there is something that can be done. I mean Im freaking homeless pretty much if Im not lucky enough to keep my head afloat from debt and court and lawyer fines I have a little girl here who has to Stay with my parents because I dont have a place for her. I work everyday and the spend 2 hours on top of that with bofa hoping to get to a solution but it doesnt happen.

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 2023-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
I recently obtained a CitiBank XXXX XXXX credit card with a {$1000.00} limit. From the very start it was difficult to use this card. I had made a purchase online for my first purchase, my second purchase, a pos at XXXX was denied & it took XXXX minutes to verify the account before it would go through. Knowing that I intended to use the card to purchase airline tickets in the coming days, I quickly made a {$900.00} payment directly from my checking account ( which has been linked to this card for payments ). 
The {$900.00} was withdrawn from my checking account on XX/XX/23 & it cleared that day. CitiBank posted it as a payment. 
My available balance remained at {$57.00} despite having XXXX balance. 

When contacted, customer service stated Citibank was holding my payment for investigative purposes & that they apologize but there nothing they could do, the account would not be cleared until XX/XX/XXXX. This means Citibank gets to use my {$900.00} ( & every other persons payments ) for free, they get to earn interest on my money. No one can tell me if this will happen every payment or not. My card is completely useless, had I been traveling Im would have been in a desperate situation. This seems to me like completely unfair practices..

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 2023-05-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Crow Creek Sioux Tribe
State: GA

Complaint narrative:
Months ago I was searching how to get a loan ran across Rivervalley I filled out application mymistake I did not look at feed back I believe if I got the loan they would send a message and loan amount the loan was for about a XXXX never received loan information money removed from my acount later receive contract I call them Friday requesting a statement I have a law group helping me pay off credit cards. I looked at the app there was a contract with a direct acount number not understand I opend it up there I saw my name as I agreed to a loan. No agreement ever they are planning to take from me again I have not received money from them I did put a stop pay on the first lone never approved by me Monday I will close my checking acount I did not put my name on anything they did when I gave information. I revived a email approved a second loan what can I do I did send a email back cancel I did not ask or approvel this or the other lone Help they are stealing from me. With two loans

Company response to consumer: Closed with explanation