vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-10 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: VA

Complaint narrative:
I had 16 unauthorized charges from XXXX  post to my CashApp card on XX/XX/21 from XXXX XXXX  to XXXX XXXX  totaling {$2200.00}. There were 9 charges for {$100.00}, there were 5 charges for {$210.00}, there was 1 charge for {$85.00} and the last charge was {$150.00}, completely wiping every last XXXX from my account. I contacted CashApp immediately because these were unauthorized and still showing in pending. They were charged to XXXX  in XXXX, MA XXXX miles from me in XXXX, VA while I was sound asleep. CashApp said to contact merchant, and that I had to wait until these charges posted to my account as cleared and paid before I could dispute them. I asked for contact information to contact whomever the charge was and they gave me XXXX XXXX, even though it says " XXXX  ''. I said " wasn't that proof it isn't valid, if the company, and phone number and website are all 3 different and there were multiple rapid identical ammounts charged within 6 minutes, didn't all of that SCREAM FRAUD??? '' I asked for contact and account info for where the money was going and they said they could not provide that info to me, that it was against privacy laws. Wait, what? But if its a legit account with Target that info should be public, right? I called the Target in XXXX, MA, where the charges appeared to from in pending and they are already aware of the problem because they've been getting these calls for the last 2 to 3 weeks!!!!!! But nope, they won't issue a statement that they are not holding these funds, and nope they can not provide me with any information about how my card number was compromised on their website. I do not have a XXXX  credit card or exclusive member account, but I did buy a xmas tree on XXXX on XX/XX/XXXX and a XXXX XXXX tree the same XXXX  website on XX/XX/XXXX. XXXX  store manager in XXXX, MA, XXXX, AND the corporate office at the number she gave me to call both acknowledged to me that they know their site has been hacked and that they'dbeen getting these calls for several weeks. They stated they were positive it was a breaxh with CashApp and recommended I delete my CashApp app immediately and stop using it! 
Meanwhile, CashApp obviously knows they've been hacked too since this is an repeat of multipleaccounts over several weeks. 
Neither company will take responsibility and stop the funds tranafer or release the hold. They both should be held accountable legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
Synchrony bank poor data management leads to inaccurate information in account data, resulting in late fees in regards to auto pay practices. They claim consumer entered the wrong bank information, account or routing number and charge late fee.

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 2021-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have a Citibank Doublecash credit card, which I misplaced. 

I phoned Citibank XXXX and the automated message asked me for my credit card number, which of course I don't have because I lost it. 

So the message said that I could access the system another way, by putting in my social security number, which I did. It then asked me for the last four digits of my credit card! 

XXXX am I supposed to put in my credit card number when I lost it? 

So I found another phone number for Citibank, XXXX, and managed to speak with a representative. But the connection was muffled and we had difficulty hearing each other. She asked me for my SS # which I gave her. Then I asked her to repeat the number to make sure she had heard it correctly- which she refused to do! So I hung up, because if she has the wrong SS # she is useless.

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 2021-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is not a duplicate. I am filing this because Equifax refused to respond to my complaint. 

Instead, they claimed in their response that I had said that there was inaccurate information on my credit account. I DID NOT SAY THAT. 

I am asking Equifax to respond to my complaint about lifting the credit freeze. 

Attention CFPB : Please be sure that EQuifax responds to my complaint about the credit freeze. This is not a problem with inaccurate items on my account. 

I put a credit freeze and fraud alert on my account with Equifax a couple years ago. When I applied for credit a year or two ago, I needed to remove the freeze and fraud alert. So I snail mailed then the required information. But it was never lifted. Equifax never fixed the problem a couple years ago. I didn't follow up on it back then because the banks I was using used other credit reporting companies. But now I see that it is a problem, because XXXX uses Equifax. Today I applied to open a bank account at XXXX XXXX, but was turned down because of the freeze and fraud alert. So I went online to unlock the freeze. But there is still a fraud alert, so I couldn't open the account. I tried to phone Equifax XXXX, but the voice ID doesn't work, and the hold time is interminable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 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: Absolute Resolutions Corp.
State: IL

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30days and I haven't received any results..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30days and I haven't received any results..

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 2021-10-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Files are attached with dates account numbers etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I opened an online BestBuy.com account and made my first payment. I did not see the payment post to my online account for the " Order or Contract ID : XXXX '' - instead of placing a formal request for investigation through the Consumer Financial Protection Bureau , I created a " PissedConsumer.com '' account and placed communication / correspondence through that online orgainzation.

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 2021-10-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I have an account with Care Credit and I noticed a few months back for years they have been charging me XXXX a month for card security fee which I never signed or agreed to. I didnt even know what this was. I called the 1800 number on the bill and cancelled the service. When I checked my account again today. They are still charging it and never stopped. I dont know how this is legal.

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 2021-10-10 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: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30days and I haven't received any results..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 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: HI

Complaint narrative:
Transunion is reporting a credit inquiry on my XXXX XX/XX/XXXX I am writing to request credit inquiry that were unauthorized be removed from my credit report.

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 2021-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: GA

Complaint narrative:
Hello Discover Bank closed my account because of information they claim they couldnt verify. Which was a previous address. I learned my rights and pointed out to them violations and informed them I wanted to exercise my right to rescind because of the unfair and deceptive actions they have taken against me. Discover was sending me statements saying I owe a debt and took part in unauthorized use of my credit card. Without my written consent gave my information to credit reporting agencies and wont delete my information from those agencies or there system. They informed me that by law they have to keep my information and credit card on file. 
Thank you for your time in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 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: MoneyLion Inc.
State: OK

Complaint narrative:
MoneyLion claims I opened an account with them on XX/XX/2021 for {$1000.00}. I have never opened an account and know this to be fraud. I have disputed this account and each time they claim it not fraudulently opened. First they say I have made 2 payments in XXXX and XXXX and only owe {$450.00}. I have checked my bank statements from my only bank account and have never made any payments to MoneyLion. MoneyLion refuses to provide any answers as I am not a account holder but on my credit report says that I own the account. I have never received any information via mail, email, electronic communication or phone. I have never wet signed it electronically signed any documents pertaining to this debt or account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 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: Paypal Holdings, Inc
State: AL

Complaint narrative:
I used PayPal for a purchase from XXXX. The unit ( {$1700.00} ) did Not work I contacted XXXX, the manufacturer XXXX, & PayPal. I asked for a replacement of a refund. After a month I was told on XX/XX/XXXX by PayPal I would get a REFUND with a return. I returned it to the address in XXXX, given which cost me over {$400.00} USPS XXXX. Since, I've contacted PayPal for 2 months, I was told I was only a few days away from seeing my Refund returned to my bank account. Today I received the attached email. I would be happy to talk to someone at CFPB about my immediate options. XXXX Thank-you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 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: KS

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT AND SHOULD NOT BE HANDLED AS SUCH. Experian is reporting information on my credit report that Congress has stated is to be excluded. Under The Fair Credit Reporting Act 15 USC 1681a Definitions ; rules of construction Congress has defined Experian as consumer reporting agency and defined me as a consumer. FCRA 15 USC 1681a under the exclusion section number B states any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device is to be excluded from a consumer report. Because definitions are important we have to read further in Truth In Lending 15 USC 1602 where the term " credit card '' is defined. The term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or service on credit. Congress says Experian does not have the right to put items on my consumer report that are directly or indirectly extensions of credit from my credit card ( my social security card, my license plate, and so on ). Experian is in violation and is civilly liable for these actions. Not only are they reporting such items, but they are defending their right to do so by claiming the items are " verified '' and " accurate '' when they are not. FCRA 15 USC 1681a numbers 3e covers the investigative consumer report saying : The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through interviews with neighbors, friends, or associates of the consumer reported on or with others whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on the consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information is obtained directly from a creditor of the consumer or from the consumer. Again, Experian is in violation and civilly liable of all errors I point out on my Experian credit report.

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 2021-10-10 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: TN

Complaint narrative:
Im not sure whats happening but Transunion removed the collections account from my profile, then it was re-added. Nothing has changed. I have not re-acquired this debt. It just popped right back up after TU removed it. Now TU refuses to remove it despite me filing a dispute and explaining that it was already removed. Not sure how its legal for already-settled matters to randomly pop back up. These reporting bureaus just take the agencys side regardless of whats actually going on.

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 2021-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
XXXX claims I opened an account with them on XX/XX/2021 for {$1000.00}. I have never opened an account and know this to be fraud. I have disputed this account and each time they claim it not fraudulently opened. First they say I have made 2 payments in XXXX and XXXX and only owe {$450.00}. I have checked my bank statements from my only bank account and have never made any payments to XXXX. XXXX refuses to provide any answers as I am not a account holder but on my credit report says that I own the account. I have never received any information via mail, email, electronic communication or phone. I have never wet signed it electronically signed any documents pertaining to this debt or account.

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 2021-10-10 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: OH

Complaint narrative:
This third party collection agency XXXX XXXX XXXX, I have no knowledge to whom this company is nor why they have my personal information attempting to collect a debt. Since I have no knowledge of this company nor have ever heard of them, this needs to be removed from my credit report. I thank you in advance for carefully looking into this matter on my behalf to remove this creditor and this account. Also, I still see my name misspelled of my reports that I have requested to be removed. Please remove those names off of my report. Each one of them seems very suspicious that they would be on my credit report.

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 2021-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: National Credit Adjusters, LLC
State: IL

Complaint narrative:
I filed a dispute in regards of the incorrect items on my credit report. It's been well over 30days and I haven't received any results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I filed a dispute in regards to items on my credit report. It's been well over 30 days and I haven't received any investigation results..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I filed a dispute in regards to items on my credit report. It's been well over 30 days and I haven't received any investigation results..

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 2021-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I have attached a copy of an FTC report requesting to remove unauthorized/fraudulent collections & inquiries.

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 2021-10-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XXXX XXXX without my authorization charged my Bank of America Master Card. I notified the Bank of America which then cancelled the said card and issued me a new one with a different credit card number! 

But the Bank of America repeatedly has refused to delete the unauthorized said charges of XXXX XXXX! 

The Bank of America by law must do so! 

XXXX XXXX XXXX, XXXX XXXX 
XXXX  XXXX XXXX XXXX XXXX XXXX pro se

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 2021-10-10 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I filed a dispute in regards to items on my credit report. It's been well over 30 days and I haven't received any investigation results..

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