vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-31 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 — Card was charged for something you did not purchase with the card
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/2022 my CashApp account was rapidly charged with the following between XXXX - XXXX XXXXXXXX XXXX : XXXX. {$11.00} from XXXX XXXX. {$20.00} from XXXX XXXX XXXX XXXX. {$100.00} from XXXX XXXX XXXX. 
XXXX. {$10.00} from XXXX XXXX XXXX XXXX. {$7.00} from XXXX XXXX. {$2.00} from XXXX XXXX {$250.00} from XXXX XXXX XXXX {$250.00} from XXXX live XXXX. {$100.00} from XXXXXXXX XXXX XXXX. {$10.00} from XXXX XXXX XXXX. 
XXXX. {$4.00} from XXXX XXXX. {$37.00} from XXXX XXXX XXXX. {$2.00} from XXXX I noticed the activity on my phone application as the charges happened and immediately notified the card company, first by an in-app chat feature then by 800 number hotline. I was informed i could not disputing these charges until they were fully processed and the funds fully and truly removed from my account. In the meantime it was suggested and enacted to deactivate and re issue a new card with a new number. As soon as each charge was clear i filed the disputes. I was told the process can take weeks so checked back one or twice a week yo get progress reports. this was after all every cent to my name that was missing. After several rounds of denials and legion of chat, emails and phone calls i was given next to no information as to why this happened and why no responsibility was taken for allowing it to happen. After over a month of these redtape acrobatics the document they sent as an explanation was mearly an itemised list of my disputed transactions and a two line notation by each one explaining that the card was not present at the time for any of theses criminal deeds and they were perpetrated in a timezone hundreds of mile and several stated over. Im at my wits end

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates is reporting an inaccurate collection account on my reports. Each credit bureau is alleging that I owe a balance more than what Portfolio Recovery Associates is alleging I owe which is in violation of the FCRA. If the credit bureaus are getting their information from the same place, how is it that they are reporting inaccurate information? I am requesting that this account is deleted from my reports at the simple fact that the credit bureaus are in violation of my rights as a consumer and the consumer law of reporting inaccurate information which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: TX

Complaint narrative:
XXXX XXXX XXXX is reporting an inaccurate collection account on my reports. Each credit bureau is alleging that I owe a balance more than what XXXX XXXX XXXX is alleging I owe which is in violation of the FCRA. If the credit bureaus are getting their information from the same place, how is it that they are reporting inaccurate information? I am requesting that this account is deleted from my reports at the simple fact that the credit bureaus are in violation of my rights as a consumer and the consumer law of reporting inaccurate information which is illegal.

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 2023-01-31 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: TX

Complaint narrative:
XXXX XXXX XXXX is reporting an inaccurate collection account on my reports. Each credit bureau is alleging that I owe a balance more than what XXXX XXXX XXXX is alleging I owe which is in violation of the FCRA. If the credit bureaus are getting their information from the same place, how is it that they are reporting inaccurate information? I am requesting that this account is deleted from my reports at the simple fact that the credit bureaus are in violation of my rights as a consumer and the consumer law of reporting inaccurate information which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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 List of accounts below has violated my federal protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 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 information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: MD

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2023-01-31 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
This a XXXX  complaint on a previously filed complaint number XXXX. 
When I initially filed a complaint, I received a call from the Barclays President office the same day. The men I spoke with assured me that there's no need to move forward with my complaint, as he will reopen the case and will make sure that my case is re-evaluated and the money owed to me will be credited back to my account. 

I trusted this individual and was waiting on my credit, which never came. I called the Barclays Bank again last week to follow up on my credit and was advised by an individual to wait about a week and not to refile the complaint, as she will submit my concern to their back office to process the credit. Again, I trusted the bank representative and when I called today to follow up on my credit, I was told that my case is closed and no credit will be issued. The Bank is operating on false pretense and acting not in good faith. I seek your assistance in resolving this ongoing issue. 

P.S On the XXXX of XXXX they also sent me an email saying that my response is in the system called XXXX XXXX, I tried accessing the system and to no avail. It is crypted and no matter what I did, I wasn't able to access it. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Paid off my mortgage XXXX, XXXX. My prime equity matured XX/XX/XXXX with a different bank than my mortgage. I could not pay the balloon payment in it's entirety so I contacted Wells Fargo for assistance. I applied for assistance XX/XX/XXXX. Approved for long term assistance XX/XX/XXXX. Trial payment period started XX/XX/XXXX thru XXXX, XXXX. Started receiving new mortgage statements XXXX. Paid thru XXXX, XXXX then was told I had to do another application in XX/XX/XXXX. So I did but Wells Fargo would not take any of my payments XX/XX/XXXX thru XXXX XXXX. Took payments XX/XX/XXXX thru XX/XX/XXXX. Stopped taking payments XX/XX/XXXX to present

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 2023-01-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX is reporting an inaccurate collection account on my reports. Each credit bureau is alleging that I owe a balance more than what XXXX XXXX XXXX is alleging I owe which is in violation of the FCRA. If the credit bureaus are getting their information from the same place, how is it that they are reporting inaccurate information? I am requesting that this account is deleted from my reports at the simple fact that the credit bureaus are in violation of my rights as a consumer and the consumer law of reporting inaccurate information which is illegal.

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 2023-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Affirm Holdings, Inc
State: AR

Complaint narrative:
On XX/XX/2022, at XXXXXXXX XXXX I received a call from Affirm Inc ( phone number- XXXX ) stating that my account had fraudulent activity and that she would help resolve my problem so I did exactly what she said to do which was use all my available balance ( {$1000.00} ) and make a virtual card and then after we would get off the phone the fraud department was supposed to call me after they were supposed to suspend the virtual card and prevent any fraudulent activity. I never got any call, email or text message about them fixing anything. 
Come to find out when I got on my account to see if it was fixed and the card was expired and there are XXXX different transactions ( {$950.00} and {$100.00} ) on it and I did not do either XXXX of them nor do I even know what the purchases even were. I didn't get any emails or anything about the transactions and now they are saying I am responsible for the loan when it was all because they called me and said I had fraudulent activity on my account and that was the way to resolve it. so I let them do their job or at least thought they were going to do their job but no my money gets used anyways and I'm getting blamed for it. I have filed a police report and got in touch with a lawyer. I have a few pieces of evidence I could email in if you would like the call log with affirms number and the time and date, the transactions on the account that also have no descriptions whatsoever on them, the police report, and what they have emailed back which all they told me was that I am responsible for the loan. Thank you for reviewing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: MD

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under XXXX XXXX. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: MA

Complaint narrative:
On or about XX/XX/XXXX, Synergetic Communication , Inc sent a letter claiming a debt was owed by XXXX XXXX XXXX XXXX, whom no longer lives within the United States of America. This was the 3rd or 4th letter sent to this address ( XXXX XXXX XXXX XXXX, XXXX, IL XXXX ). 

This debt is apparently related to an Auto Loan which was surrendered to the Bank in XXXX, during the Financial Crisis and " Great Recession. '' XXXX XXXX XXXX XXXX and myself ( XXXX XXXX XXXX ) were married at that time and moved to XXXX as a family. We attempted to : 1. Settle this debt with the Auto LIEN holder, by offering a cash payment of {$4000.00} against the loan, with surrendering the car to the bank. The bank refused/ did not reply to multiple letters / phone calls. 
2. Because we did not have sufficient resources due to the financial crisis, we elected to stop payment and let the bank repossess the vehicle. 
3. Within 1 year, the bank offered to accept ~ {$2500.00} to settle the loan, which we refused ; we did not have the resources at that time. 
4. We updated all financial institutions with our current address in XXXX, as well as the Internal Revenue Service. 

This loan was charged-off between XXXX. Collections ceased at that time. 

I now have a collections letter claiming that XXXX XXXX XXXX XXXX is living in a house in XXXX, and that she still owes a settlement. I dispute the claim, on her behalf, and with her permission, because : 1. The statute of limitations has expired for collecting this debt. The statutes claim 6 years from the date of last payment ; that would have been during calendar year XXXX / XXXX. 
2. All banks/ collections are well aware of XXXX XXXX XXXX XXXX 's addresses ; her tax returns and also address updates were provided to all interested parties. 

This means that Synergetic Communications has : 1. Intentionally ignored the statute of limitations and is attempting to fraudulently force other parties not affiliated with XXXX XXXX XXXX XXXX to pay debts NOT OWED. 
2. Sent letters that contain explicitly protected and private loan information that has been revealed to parties that have no interest in this matter; thus violating XXXX XXXX XXXX XXXX 's right to privacy, as well as attempting to use embarrassment / humiliation to " coerce '' payment. 
3. Since it appears that Synergetic Communications has had complaints filed against it for similar infractions in the past, it is being provided for further investigation. See here : https : XXXX I respectfully request that the C.F.P.B. complete an investigation into this matter, and kindly advise any and all remedies appropriate and permissible by law. 

Regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: MA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.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 ; and, was successful in creating some accounts. All is being investigated by the FTC HOMETAP Date of inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-31 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-01-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
XXXX XXXX is currently trying to collect XXXX in which i am not responsible for. The charges are for unreturned equipment. At this time i was living in XXXX XXXX and was relocating out of state. I informed them of this moved and tried several attempts for them to retrieve their equipment. I then would inform XXXX XXXX that I would drop their equipment off at a nearby location. This location was located in XXXX XXXX  on the corner of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on the corner. I have contacted the creditor, I have contacted XXXX XXXX  directly. I have asked for a breakdown of charges in which I was denied. I also asked in the case that I decided to pay the death, I was not responsible, for if I can have a promise to delete let her in return, in which I was also denied. At this time I am asking for this debt to be removed off of my credit, because I do not feel as if I am responsible. I have reached out to the creditor, and the company itself with no resolution. I have tried to dispute this with the credit bureaus in which the company has stated this amount is accurate. The equipment comes with a barcode that can identify the customer. It's hard to believe that they were not able to locate this equipment to show it was returned. Again, I do not feel I am responsible for this account as I've done everything in my power, and also returned their equipment. As I stated I would before I left the state of Connecticut.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In Accordance with the Fair Credit Reporting Act, J.P Morgan Chase Account # XXXX and Acctount # XXXX, has violated my rights. 

15 U.S. Code 1681 section 602 A. States i have the right to privacy.

15 U.S. Code 1682 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as last for ANY purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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. 
Account name : XXXX XXXX, Account name : XXXX XXXXXXXX XXXX, Account name : XXXX XXXX Account name : XXXXXXXX XXXX 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 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 information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief