vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
date : XX/XX/2023. 
amount : {$1800.00}. 
i did file a dispute for the unauthorized charge and chime denied my dispute and fail to provide me proof of why are they denied my dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
The bank was holding my funds/check and when a bill comes thru they would charge me a overdraft 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 2023-05-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
In XX/XX/XXXX I made a purchase at Ashleys furniture store. I was originally told that I was approved for three years interest free. Because the original purchase did not result what we wanted as the furniture was not all wood, we returned that furniture and got another set that was more expensive. The total amount was {$3100.00}. I was not aware that the difference in cost was put in another plan. The other plan was a 24 month deferred interest for amount of {$1200.00}. The total minimum payment was {$84.00} for the full amount owed. I set up automatic payments of {$100.00} per month with the idea that I would have the account paid off in 32 months. In XX/XX/XXXX, the deferred interest for the {$1200.00} was added and now I am paying for monthly interest as well. I should have paid off this account on XX/XX/XXXX. Not given the option of distribution of payment for these two plans has made it difficult to pay off the account and it is frustrating because it should be paid off if they would have kept all of the balance on the original 3 year interest free plan. The distribution of payment should have been 23 payments to the deferred plan of XXXX and one payment of {$51.00}. For the three year interest free portion of {$1900.00} the payments should be ( {$48.00} x XXXX ) + XXXX XXXX leaving a balance of {$760.00} that would be paid off in 8 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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 XXXX Account number XXXX XXXXXXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 2023-05-11 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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 XXXX 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 2023-05-11 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: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
My computer started flashing, it and said my computer was being hatched and I need to call the number XXXX. I called it and he said his name was XXXX and the complaint number is XXXX. He said that an international XXXX Company - charged {$15000.00} to my credit card ( AMEX ). He said he would connect me with thr FCC and they would connect me with the AMEX representative, his name was XXXX XXXX complaint number XXXX and his phone number was XXXX. He sated the only way to resolved this would be to do a duplicate order in the amount by purchasing gift cards and XXXX XXXX and XXXX 's. He said my phone was hacked as well and He needed to stay on the phone. The fear was so great that I did this, as if I froze and could not think clearly. I did purchase a {$2000.00} at XXXX XXXX and 3 cards totaling {$6000.00} at XXXX 's. At this point, something clicked and I finally understood was part of a fraudulent scam. I went to the police department in XXXX Ct - XXXX XXXX took my case and put a report together. When I called Amex to report this at the police department and explained the situation, they said the orders were pending, I asked them to stop the charges and they would not, they said I had to wait until the orders were processed. I have copies of the pending charges. I have been a loyal AMEX customer for over 25 years. They will not reverse the charges. I have put claims in with both XXXX XXXX and XXXX 's and working with my branch manager at XXXX  XXXX XXXX to help me with this. I did call victim services of Ct and had a call with the representative on XX/XX/2023. Hopefully you can help me resolve this issue with AMEX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: IN

Complaint narrative:
My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the CFPB. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11 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: CA

Complaint narrative:
On XX/XX/XXXX of this year i wrote a letter to Transunion, XXXX XXXX XXXX to notify the Elaborate mechanism that they are indeed Reporting fraudulent & Incorrect information & A Fraudulent Account : XXXX XXXX XXXX XXXX on to my Consumer Report, Thus Ruining my reputation. I Also Properly Attached a FTC Report along with an Official Police Report Proving the Account to Be Fraudulent. I Also notified them of the Deceptive practices they were Following along with several other Federal Law Codes that they are in Violation of. They Responded by Mail on XX/XX/2023 & Notified me that the Fraudulent Account : XXXX XXXX XXXX Was removed from my Credit Report. Transunion XXXX XXXX Followed up with another Letter 14 Days later on XX/XX/2023 and Notified me that they 'Reinserted " the Exact same Fraudulent account : XXXX XXXX XXXX XXXX to my Credit Report that had been removed just 14 Days Prior. Completely ILLEGAL, Violating a Plethora of Federal XXXX Codes & violating my Trust within the Banking System. Their Willful Disregard for Federal Law is Completely Absurd and Repulsive & I'm not sure why they believe that they're ABOVE the Law. 

Their Negligence has Caused me Stress, Physical harm, anxiety, Hardship, misfortune, suffering, Trauma and emotional turmoil. XXXX XXXX XXXX Transunion, XXXX XXXX XXXX is Still Denying me of my XXXX XXXX XXXX XXXX their Wrongdoing & Violations of Federal law. 

The Fraudulent Account : XXXX XXXX XXXX was Removed & then Reinserted 14 Days Later, Perpetuating the Damages of my Reputation and my Consumer Profile. I'm Requesting the CFPB and Every other Federal Regulation to Recognize this as an attack on the Consumer & to step in and Counter their Fraudulent & Illegal Activity & Compel them to Follow the Law. 

I have no other Option but to View this as a Direct Attack on Consumers & I will not allow this Elaborate Mechanism to continue to Report Adverse and Fraudulent Account : XXXX XXXX XXXX on to my Credit Report, Especially after they have already removed it. Indubitably Preposterous, unethical, Deceptive, & Unfair Practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc
State: CA

Complaint narrative:
In XXXX the company XXXX XXXX XXXX attempted to collect a debt not owed by me. They sent no notification of collection and i was not aware until i saw it on my credit reports. I then disputed it multiple times as not only did I have no knowledge of this debt but I also was not responsible for it. It was removed from my report on XX/XX/2023. In XXXX XXXX XXXX  I received an email that they AGAIN attempted to collect a debt I did not owe, I disputed that and they did not send a correspondence of them proving I owed a debt. And i saw it again on my credit report and had to dispute it once again and they conduct their own investigation and are still trying to say I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Frontline Asset Strategies, LLC
State: VA

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. XXXX XXXX XXXX XXXX XXXX XXXXXXXX have 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 XXXX 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 2023-05-11 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: NY

Complaint narrative:
I am a victim of identity theft there has been attempts to open credit cards and car loans under my name giving me hard inquiries on my credit report that are not mine. Im attaching my identity theft report which states all the inquires that are fraudulent & must come off. I will also be attaching my license as proof of my identity. The inquiries that are fraudulent are XXXX XX/XX/202XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX 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 has violated my rights. Or list of inquiries 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 XXXX 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 2023-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: CO

Complaint narrative:
on XX/XX/2023 at around XXXX XXXX ( MST ) I tried to active my credit card with US Bank and upon calling the contact us list on the activation website, Commercial Clients XXXXXXXX ( Toll Free ) I was met with a promotional offer about medical equipment not anything about credit cards. I tried to deny the medical offer but then I was transferred to a live agent ( Female ) trying to still offer me this promotional offer for medical equipment. I stated that I was there to active a credit card and asked if they were with US Bank to confirm. The agent disregarded what I said and said that we should explore the offer and see if it is right for me. I informed the agent that this is a Unfair, Deceptive, or Abusive Acts or Practices and that I am only here to active a credit card. The agent then plays some recording about the medical promotion offer and I hang up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc.
State: MI

Complaint narrative:
COMPANY WILL NOT RESPOND AND KEEPS MARKING COMPLAINTS AS DUPLICATES. Using this complaint number for the CFPB Ombudsman when they mark this as duplicate. 

This company : 1 ) Has a platform that made it impossible for me to pay installments.

2 ) Reported negatively on my credit report even though I contacted them about my issues.

3 ) Continues to delete requests through the CFPB with no response.

4 ) Has accused me of not being truthful when messages went into spam.

5 ) Tracks customer emails without customer knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Monterey Financial Services LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX  Account XXXX My brother contacted XXXX XXXX to get different dates for the condo. I thought he paid the condo fee at the time of due. I moved due to a divorce and did not get anything from XXXX XXXX XXXX XXXX collection notice. I would like to dispute the debt collection and immediately pay XXXX XXXX but I did not know it was not paid. I was never contacted by XXXX XXXX via phone or email, just a mailing which I no longer lived at the address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: GA

Complaint narrative:
While looking at my credit reports I have noticed my " XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) has a discrepancy in the " Date of Last Activity '' section of the listing. XXXX is reporting a date of XXXX. '' Equifax is reporting " Date of Last Activity '' as XXXX and XXXX is XXXX a date of " XX/XX/XXXX. " XXXX XXXX '' XXXX is reporting * {$13000.00} XXXX * {$0.00} and Equifax XXXX. " PAYMENT STATUS '' XXXX is reporting LATE 120 DAYS. XXXX is reporting CURRENT and Equifax is reporting LATE 120 DAYS. " LAST PAYMENT '' XXXX is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX and Equifax is reporting XX/XX/XXXX " PAST DUE AMOUNT '' XXXX is reporting {$3000.00} XXXX is reporting {$0.00} and Equifax is reporting {$3400.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) has a discrepancy in the Date of last activity section. XXXX is reporting a date of XX/XX/XXXX XXXX is reporting a date of XX/XX/XXXX and Equifax is reporting a date of XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) has a discrepancy in the Date of last activity section. XXXX is reporting a date of XX/XX/XXXX XXXX is reporting a date of XX/XX/XXXX and Equifax is reporting a date of XX/XX/XXXX LAST PAYMENT XXXX is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX and Equifax is reporting XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) has a discrepancy in the Date of last activity section. XXXX is reporting a date of XX/XX/XXXX XXXX is reporting a date of XX/XX/XXXX and Equifax is reporting a date of XX/XX/XXXX LAST PAYMENT XXXX is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX and Equifax is reporting XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) has a discrepancy in the Date of last activity section. XXXX is reporting a date of XX/XX/XXXX XXXX is reporting a date of XX/XX/XXXX and Equifax is reporting a date of XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) has a discrepancy in the Date of last activity section. XXXX is reporting a date of XX/XX/XXXX XXXX is reporting a date of XX/XX/XXXX and Equifax is reporting a date of XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief