vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-18 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: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
On XX/XX/23, a check was cashed against my account for {$1700.00} that should not have been. The check came from an account whose account number differs from mine in a single digit. This has happened 3 times in the past year. I messaged TD bank through their portal asking them to fix this. At first, they said they would and urged me to not feel as irritated, yet nothing happened. I asked them again, and they said they had dealt with it on XX/XX/23, but that was for a different instance of the same problem ; at that time, they had cashed a check for {$2200.00} against my account that should have come from a different account. I have now messaged them again to fix this, yet I have gotten no response. They need to fix their software so that the scanned checks dont get account numbers misattributed to mine, and their customer service needs to do their job and basic due diligence when dealing with these false transactions. Most importantly, they need to give me my money back and stop this from happening again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-18 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: Block, Inc.
State: MD

Complaint narrative:
I went to log in to my Cash App and received an error message stating that my account had been closed. I reached out to cash app and was told on several occasions that i would receive am email, i never received one at all. I then waited a month, still no email. I then contacted Cash App again and was told the same thing, but never recieved anything. I did a review on Cash App and received a prompt response to my review, but still wasn't given a reason as to why my cash app was closed. I never did anything wrong using my cash app so I am seriously confused. I need my cash app account back open especially knowing that I did absolutely nothing wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I've sent in several disputes asking for proof of late payments and Equifax failed to send me any documents instead they sent updated credit reports saying the information was verified. The last dispute XX/XX/2023 they told me PLEASE BE SPECIFIC WITH YOUR CONCERNS BY LISTING THE ACCOUNT NAMES, NUMBERS, AND THE NATURE OF THE DISPUTE. so I resubmitted the dispute even though I was specific. XX/XX/2023 I received a letter in the mail stating they would not look into the accounts I was disputing anymore. Per the FCRA I have a right to accuracy, fairness, and privacy and Equifax has continued to treat me unfair and display inaccurate information in my credit report that's causing me a great deal of financial grief.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting 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:
These companies are reporting inaccurate information. some of the dates and amounts don't match across all credit agencies. They have also violated the privacy act of by furnishing my information without my permission. The fact that my credit reflects my student loan information is also a violation of the Family Educational Rights and Privacy Act ( FERPA ). there should only be XXXX address on my credit report in XXXX, Ga all other addresses should be removed. the rest are NON DELIVERABLE ADDRESSES. There should only be XXXX phone number on the account ending in 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 2023-12-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Hello -- I received a notice from Pro Collect Incorporated that I had a debt to pay from a former rental unit. I contacted them twice. On first communication I was told that I could no longer dispute the debt. I called again, and paid the debt. I was told that I would receive a receipt of payment no later than XXXX hours after the payment was cleared. I called again this Monday, XX/XX/2023 after not receiving a receipt. The representative said that the payment had cleared, and that I should expect an emailed receipt shortly. My last phone call, the agent was verbally violent, unnecessarily rough, and lied repeatedly about needing more identifying information. To add, I have yet to receive the receipt of payment. This collection agency is overtly unscrupulous and unethical. They should not be allowed to operate outside of the legal confines of debt collecting.

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 2023-12-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
SLS is attempting to foreclose on a a second mortgage with a fraudulent assignment. The assignment is robo signed by a well known robo signer. The assignment was created after cutoff date for the trust that XXXX XXXX XXXX XXXX is serving as the trustee for. The previous serving company attempted to foreclose and also filed a lawsuit but the judge signed an order dismissing their claim. The attempt to foreclosure with fraudulent documents and the polling servings agreement filed with the United States Security Exchange clearly states in section 201 that the assignments had to been conveyed within 99 days prior to the cut off date of the trust which was in XXXX of 2005. They are violating the pooling and serving agreement that held with the 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 2023-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.

Complaint narrative:
On the XX/XX/XXXX, I was restricted access to my bank. I contacted chase immediately and they had mentioned my account was under review. Coming from someone who has absolutely never broken the law and never would, I was completely shocked when they told me this. I decided to wait for them to contact me and tell me I had access again, but I received no call. I asked for more information on what was happening and they said they cant tell me and I had no rights apart from waiting for a call from an XXXX number. Its been a month now and they are still holding my money. This has caused my credit score to drop drastically as I didnt pay my credit card on time, and has put me in a really difficult place financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
Accounts were opened under my name due to identity theft typically occur when an unauthorized individual gains access to your personal information, such as your Social Security number, date of birth, or financial details. Armed with this data, they impersonate me to open accounts without my knowledge or consent.

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 2023-12-18 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Funds was placed on two Amex Gift cards only to absolutely useless despite being active and correctly inputted. Still declined and I feel robbed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-18 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax continues to report inaccurate information onto my consumer report causing me significant harm and damages. The account listed as XXXX is reporting has a Collection? Charge off when in fact no consumer can be in default in an open ended installment plan. Furthermore Equifax makes a financial gain from the solicitation of my nonpublic information released by XXXX. My transaction history with XXXX should not be released to the public in such a manner to cause me harm. Equifax is required by federal law to report accurate information. Any credit account that has a balance over a {$1.00} the credit belongs to the consumer so how is Equifax reporting this account has collection/charge off? Furthermore Equifax is securitizing my information and has not reported this fact to the IRS which is tax invasion. I am requesting that Equifax turn over all records for the profit of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Delete all errors on my files and reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX  upon me and found unverificable, invalidated and inaccurate and questiontable items that XXXX XXXX XXXX XXXX did not make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accuratre on my credit report and Under 15 U.S. code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurarate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: Waypoint Resource Group, LLC
State: PA

Complaint narrative:
Delete all errors on my files and reports

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 2023-12-18 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: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
Delete all errors on my files and my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit 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: Atlanticus Services Corporation
State: NY

Complaint narrative:
I was in the hospital when a friend of my stole my Fortiva Credit Card and used it without me knowing about it!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: MA

Complaint narrative:
I've been a victim of a massive identity theft and had investments stolen and now can not access my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
THESE ARE FRAUD INQUIRIES XXXX XX/XX/2023 TRUIST BANK XX/XX/2023 Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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 2023-12-18 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: MD

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 XXXXXXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : 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
Consumer complaint received 2023-12-18 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: MD

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 XXXXXXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I, XXXX XXXX, am requesting the deletion of account LVNV FUNDING LLC XXXX. This debt collection agency has engaged in practices that are abusive, deceptive, and unfair actions which are clear violations of the FDCPA. They have reported an account that I did not agree to nor sign any agreement for. A legal contract necessitates the agreement of two parties, and I had no involvement in any such agreement. Moreover, they failed to follow the proper five-step validation procedure, further highlighting these unfair practices. I also have uncertainties regarding whether I ever held an account with the original creditor. Notably, I received no correspondence notifying me that this account was sold to LVNV, and the original creditor has failed to validate the alleged debt, constituting another violation. Furthermore, I received no communication by mail leading up to the reporting of this collection account. This account was added to my records in XX/XX/2022. Consequently, I am formally requesting a copy of the correspondence that was supposedly mailed to me during that time, informing me of this debt with your company. Please provide the original account documentation as well as your license to collect debt in the state of Texas. Failure to provide this documentation would constitute yet another violation under the FDCPA, which entitles me to seek {$1000.00} per violation. I will attach my credit report to show the many inaccuracies including payment history, and date last active. Please explain how this account meets FCDPA and FCRA regulations when each bureau is reporting different date last active? Remove this account from my credit report immediately your company is not credible. Please see the attached credit report and dispute letter which is dated and time stamped

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: OH

Complaint narrative:
Account name : XXXX ; # XXXX, XXXX XXXX XXXX : XXXX ; # XXXX, XXXX : XXXX ; # XXXX, XXXX XXXX : XXXX ; # XXXX, XXXX XXXX XXXX : XXXX ; # XXXXXXXX XXXX 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please review the attached documents. I request the bureau to start an inquiry into these accounts, as I am never late, yet they are inaccurately reporting me as such.

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 2023-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have disputed the inquiries multiple times with Transunion. Transunion investigated the inquiries and never received confirmation from the creditor. Transunion says, " Since they did not hear back from the creditor if they should be deleted, they will just leave them on my credit report because they never heard back from the Creditor. 
The person I spoke with is : XXXX XXXX XXXX XXXX : file # XXXX. Date : XX/XX/2023 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 2023-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
After filing two claims through the XXXX XXXX XXXX I am currently being taken to court in an attempt to collect the balance of my Synchrony credit card ( {$3000.00} ). I have requested the Terms and Conditions as well as my enrollment documentation for Synchrony 's XXXX XXXX XXXX and the credit card opened with Synchrony on XX/XX/XXXX. I have attempted to collect this information from both Synchrony and XXXX XXXX XXXX on XX/XX/XXXX. Synchrony responded with not willing to provide the information. XXXX XXXXXXXX XXXX XXXX response was an ask if I wanted to dispute the charge and not to provide me the information requested. I have disputed the debt with XXXX XXXX XXXX on XX/XX/XXXX. The dispute explains how I am not liable for the debt because I used Synchrony 's XXXX XXXX XXXX to file two claims for payment protection due to being laid off during the covid pandemic due to lack of work. Those claims were made XX/XX/XXXX and 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 2023-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
Received email from this agency claiming I authorized some transaction Receipt ID : XXXX. 
From this person via email. 
With regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Kansas XXXX With regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Kansas XXXX

Company response to consumer: Closed with explanation