vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-21 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: MI

Complaint narrative:
I got scammed by a Merchant on cash app named XXXX XXXX XXXX XXXXXXXX Which is in another country and a clothing store. They were supposed to be a used car part store. They took my money of the amount of {$490.00}. I never received the goods and I called the people to refund and no help from cash app at all. I disputed it 3 times with cash app and they denied all 3 times even after evidence I gave them of the emails and calls. Cash app refused to help me get my money back from these scammers. Cash sent me a denial saying that the merchant has fulfilled their obligation without them taking a look into everything. They basically told to accept my lost of my money and move on. They stressing me out and I dont know what to do on how to get my money back. I want to sue them for taking me through a lot of trouble. Im stressed out trying to get my money back and theyre not helping me at all

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
I am able to access my Chime account via website and mobile app. I can alter password, contact information, and all other security profile information. I can execute transactions both within the Chime account and with the external bank accounts I have added to the platform. 

I can not close my account. All account closure requires me to disclose my Social Security number to a customer service rep. I will not do this under any circumstance. It is clear that the reps are poorly trained, poorly supervised and likely not US based. I've made 20 calls and spent several hours trying to close my account today with no success. 

They are intentionally creating barriers to close accounts that are put in place to discourage account closure IMO. If the disclosure of my SSN was necessary for account security it would be applied consistently across the platform. 

Account closure should not be MORE SECURE than making transactions on the account. 

I've made 20 calls to their customer service, I've recorded 18 of them. Not one person was able to close my account successfully or provide any instruction on how I may do so. Not one person was able to give me instruction on how I proceed with arbitration defined in their member agreement. 

I just want my account closed and I'd encourage Chime to enhance their security platform wide and not just for account closure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

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 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 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 informationisinaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
After checking my credit reports, I noticed multiple fraudulent inquiries that's showing on my credit report. I did not authorize theses fraudulent inquiries that's showing on all three of my credit bureau reports. See attached documents on the separate sheets.

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 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
After checking my credit reports, I noticed multiple fraudulent inquiries that's showing on my credit report. I did not authorize theses fraudulent inquiries that's showing on all three of my credit bureau reports. See attached documents on the separate sheets.

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 2024-09-21 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Truist Bank sent me a notification on XX/XX/year> of a data breach which has improperly shared my personal & credit information. The notice indicates that Truist Bank and constituent XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX ), a third-party debt collection agency network was compromised and personal information was stolen by unauthorized parties.

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 2024-09-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Comenity Capital Bank XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Charge-Off Account. 

Dear Sir/Madam, I am writing to formally dispute the charge-off account with the account number XXXX that has been reported by your bank to my credit report. It has come to my attention that this account has been sold to a third-party debt collector, and I believe there are serious legal and procedural issues that need to be addressed. 

Firstly, according to the Fair Credit Reporting Act ( FCRA ) Section 623 ( 15 U.S.C. 1681s-2 ), it is your responsibility to ensure that the information you report to credit bureaus is accurate and complete. If you have reported this charge-off account as a loss to the IRS, then by law, you are required to send me a copy of the IRS Form 1099-C. To date, I have not received this form. Please send me a copy of this document within 30 days from the date of this letter. 

Additionally, since you have already sold this account to a third-party debt collector and presumably received payment for this transaction, you have effectively received payment twice once from IRS and once from the debt collector. This appears to be a violation of federal regulations and could potentially be construed as fraudulent activity. 

If this charge-off account is not removed from my credit report immediately I will have no choice but to report your actions to the IRS for potential tax fraud, as well as to the Consumer Financial Protection Bureau ( CFPB ) for investigation. 

I request that you investigate this matter promptly and correct any inaccuracies by removing this charge-off from my credit report. Please provide written confirmation once this matter has been resolved. 

I appreciate your immediate attention to this serious matter and expect your prompt response within the required time frame. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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: NC

Complaint narrative:
I have asked on several instances for my credit report to be rectified, I have ask for verification and reverification of the information on my report which I was informed but all that they had verified and after doing my own research found this to be inaccurate. I have found the information on my report to be fraud and Per FCRA 605B ( 15 U.S.C. 1681c-2 ) it requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. This information continue to be detrimental to my personal credit, 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. 
My Identity was fraudulently utilized to try and obtain credit, Obtain 2 apartment for rent and to buy into a ponzi scheme see attached : Court docket number XXXX refers to the case United States v. XXXX XXXX in the U.S. District Court for the District XXXX XXXX. Charge : Wire fraud in violation of 18 U.S.C. 1343. Outcome : XXXX pled guilty and admitted to misappropriating at least {>= $1,000,000} of investor funds. On XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 1. United States v. XXXX XXXX ; United States v. XXXX XXXX ; United States XXXX XXXX XXXX - Department of Justice

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 2024-09-21 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have asked on several instances for my credit report to be rectified, I have ask for verification and reverification of the information on my report which I was informed but all that they had verified and after doing my own research found this to be inaccurate. I have found the information on my report to be fraud and Per FCRA 605B ( 15 U.S.C. 1681c-2 ) it requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. This information continue to be detrimental to my personal credit, 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. 
My Identity was fraudulently utilized to try and obtain credit, Obtain 2 apartment for rent and to buy into a ponzi scheme see attached : Court docket number XXXX refers to the case United States v. XXXX XXXX in the U.S. District Court for the District of Nebraska. Charge : Wire fraud in violation of 18 U.S.C. 1343. Outcome : XXXX pled guilty and admitted to misappropriating at least {>= $1,000,000} of investor funds. On XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1. United States v. XXXX XXXX ; United States v. XXXX XXXX ; United States XXXX XXXX XXXX XXXX Department of Justice

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX I pulled my credit report from the credit bureaus and I found alot of inaccurate and misleading information reporting on my credit that I have asked the credit bureaus to investigate correctly and fix but nothing has been been fixed but they tell me that the company is reporting the correct information. I have also asked for proof and deminstrations of the procedure that they have followed to determine that the information was true but they have not.This compand has been reporting Charge off after charge off several times which is a violation of my consumer rights under 15 USC 1681 ( e ) and 15 USC 1681 ( i ). This company has also written this debt off but never sent me a 1099 letter that I have requested. I also am requesting a cease and desist to this company on all communications especially to all 3 credit bureause until they can give me a 1099C and removed this debt off my credit. 
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 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 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 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 account is scheduled to continue on record until XX/XX/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 2024-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I would like to dispute the alleged debt and request a debt validation of the debt details. 
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 which states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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. I would like the name of the original creditor, the account number associated with the debt, proof that I am the person who actually owns that debt, I would like the amount of the original debt, also an itemized statement showing how the current balance was calculated, as well as documentation that they have legal authority to collect on the alleged debt. In no way am I admitting to the debt until the debt is proven valid, because I am in fact disputing the validity of this debt. Per the FDCPA said company must seize all debt collection efforts until they prove proper validation. Please provide the requested documentation in writing within 30 days. Failure to comply with validating the debt will be taken as an absolute refusal to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: Certegy Holdings, LLC
State: WA

Complaint narrative:
I went to XXXX XXXX that I bought the money order from to cash it in, and they said they could not cash in and to call you guys. I tried doing that but your horrible automated system did not give me an option for my problem. I am still not able to speak to anyone which is totally unreasonable. I'm trying to figure out why I was not able to cash this money order. I'm just trying to figure out why it was denied if it's a money order that I bought from the same store. The cashier said that it was in the right time frame from date of purchase to be able to be cashed, I couldn't get an answer from your company via phone or your website which is horrible customer service practice and it is unacceptable that we are not able to speak to someone about issues that come up and aren't an option on your automated system I need someone to call me back so I can figure out how to cash this money order

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 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
was a victim of ID Theft. There are accounts on my XXXX Credit Report that are fraudulent and do not belong to me. I have already filed a FTC Report. The accounts are as follows : XXXX XXXX - XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
was a victim of ID Theft. There are accounts on my XXXX Credit Report that are fraudulent and do not belong to me. I have already filed a FTC Report. The accounts are as follows : XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
this is Synchrony XXXX  account ( note : no problem with other Synchrony accounts ) 1. Bills do not arrive on time 2. I pay through my bank and they guarantee on time arrival at vendor and have verified that pays arrive at Synchrony on time ; Pay not posted to my account in a timely fashion.

3. Repeatedly charged late fees for what appears to be their porcessing problems XX/XX/XXXXXXXX  ( payment due date ) late fee {$41.00} assessed XX/XX/XXXX {$41.00} late fee.Again my bank issued payment 9 days prior ; bank records show payment cashed at Synchrony. 
XX/XX/XXXX another {$41.00} late fee-same routine XX/XX/XXXX another {$41.00} late fee-same routine This bill was paid on Synchrony pay site on XX/XX/XXXX but still has not posted as of XX/XX/XXXX over 24 hours later They will only remove 2 late fees a year. I was able to get a 3rd removed after escalating to a 3rd supervisor Something smells like 2 days old fish in the sun the {$41.00} fee is way above amount allowed by new XXXX law that limits CC issuers form engorging their bottom lines at the expenses of hapless customers ( THANKS 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 explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, 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 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 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 informationisinaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: AZ

Complaint narrative:
According to one of your checks, in XXXX I got arrested with a XXXX in Texas and XXXX XXXX time. I can prove thanks to todays technology, that not only have I never been to Texas before XX/XX/XXXX but also where I was on the date in question exactly. I have never lived in Texas nor do I ever plan to. Further more on some of the record information it has me with the last name XXXX. While I was briefly XXXX  to a XXXX between XXXX I had never used or changed my last name to XXXX  because it is pronounced gross and I wanted no association with it just because I had chosen to XXXX. I am unsure if I should see if someone stole my identity or how to dispute properly as the pages and links provided seem to link me back to a help page rather than move me forward.

Company response to consumer: Closed with explanation