vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-25 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: NC

Complaint narrative:
I had a loaner cell phone with XXXX XXXX years ago. However, I purchased a new phone and returned the loaner phone to XXXX XXXX. Days later, after I paid my phone bill, T Mobile turned my phone off, stating they didn't receive the loaner phone when I knew I had returned it. The store manager, XXXX, has repeatedly explained to the XXXX XXXX representatives that the phone was turned. A year later, an {$800.00} collection ended on my credit report from XXXX XXXX 's debt collector. I have disputed the account multiple times, and it has not been investigated. My children and I are deeply affected by this situation, and I need this from my credit report immediately. I have been homeless due to this situation. It's not right. It's unfair, and no one is helping me resolve this situation. The credit bureaus are also reporting other inaccuracies on my credit report and have yet to respond to any of the letters I sent.

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 2023-04-25 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:
I have disputed Account Name : XXXX Account Number : XXXX Sent certified mail to Transunion : XX/XX/XXXX XXXX second request ) Sent certified mail to XXXX : XX/XX/XXXX XXXX second request ) Sent certified mail to XXXX : XX/XX/XXXX Credit Bureaus, Transunion, XXXX XXXX and XXXX, all three stated that the accounts were properly investigated and verified the accounts and information as accurate but the information for the account is still inaccurate and was not verified as I did not get any proper paperwork to show that the account belonged to me at all. The date opened, the date last active and the date last reported are all inaccurate still as well as high credit. The payment history is incorrect and also not reporting correctly and Transunion and XXXX does not report any payment history at all and XXXX only reports good payment history with no late payments at all listed. How can this account be verified as accurate when nothing is accurate or reporting correctly or consistently? This is grounds for immediate removal and they have also violated my rights under 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. They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states that a consumer reporting agency can not furnish an account without my written instructions. I have not given these accounts written permission to furnish these accounts 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 non-monetary relief
Consumer complaint received 2023-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
By the way, also following Federal Trade Commission report # XXXX and previous CFPB Complaint against debt collection agency # XXXX. As a consumer I have rights. I may only be XXXX XXXX XXXX with being new to credit only having a credit card or two of only XXXX dollars in knowing my rights. There are laws that abide to me and I will exercise them over my body. 15 USC Code 1 692 ( g ), 15 USC Code 1681, On XX/XX/, I was alerted that an account was added to my credit profile. I want everyone to be aware that I am not liable for this debt with XXXX XXXX XXXX XXXX nor have I received a contract or any form of a statement from Fair Collections and Outsourcing ( FCO ) no paperwork was sent to me prior to adding anything to my credit report. 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 an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I am not liable for this debt with XXXX XXXX XXXX and do not have a contract with fair collections & outsourcing. DO NOT RESPOND TO THIS COMPLAINT AS " VALIDATED ''. I AM FILING THIS COMPLIANT IS TO ENSURE THAT THE ACCOUNTS WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). I WILL SEEK ATTORNEY REPRESENTATION GOING FORWARD.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
I had a loaner cell phone with XXXX XXXX years ago. However, I purchased a new phone and returned the loaner phone to XXXX XXXX. Days later, after I paid my phone bill, XXXX XXXX turned my phone off, stating they didn't receive the loaner phone when I knew I had returned it. The store manager, XXXX, has repeatedly explained to the XXXX XXXX representatives that the phone was returned. A year later, an {$800.00} collection appeared on my credit report from XXXX XXXX 's debt collector credence resource management. I have disputed the account multiple times but received no response, and it has not been investigated, removed, or resolved. My children and I are deeply affected by this situation, and I need this account removed from my credit report immediately. I have been homeless due to this situation. It's not right. It's unfair, and no one is helping me resolve this situation. I do not owe XXXX XXXX any money. If this doesn't get resolved, I intend to sue for further damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I am the subject of an improperly handled bill payment transaction with PayPal Credit ( Synchrony Bank ) for two lines of credit -- one interest-bearing at 12.99 percent and the other at a promotional rate of zero percent for six months. 

I am reporting this issue to the CFPB to ensure that Synchrony Bank does not benefit from any penalty revenue paid and that I am properly refunded. I also hope that Synchrony Bank is held liable for this and that this serves as evidence of negligence on their end in any future legal proceedings. 

On XX/XX/23 I called PayPal Customer Service to make a payment to PayPal ( Synchrony Bank ) prior to my due date of XX/XX/23. I asked PayPal to charge my bank account {$490.00}. I asked them to first allocate roughly XXXX dollars of this, the minimum payment due on the interest-bearing account, to the interest-bearing account. I then asked them to allocate the balance of this payment to the zero percent promotional account. 

On XX/XX/23 I was notified of a missed payment by Synchrony despite having asked them to post my payment. I called customer service and spoke with a " XXXX XXXX '' ( Confirmation # XXXX ). This individual told me they remedied my issue and that my account was no longer delinquent. 

On XX/XX/23 I received a letter from PayPal Credit ( Synchrony Bank ) stating that they could not make the allocation as requested because my XXXX payment was past due. 

I then called PayPal at XXXX XXXX on XX/XX/23 and spoke with an account manager in the Customer Service Department by the name of " XXXX '' who had been with the company for six years. XXXX informed me that I didn't pay my bill and as a result I could not make my allocations as desired. XXXX also told me that I had to pay double the minimum payment on my interest-bearing account ( XXXX and XXXX bills ), and that the rest of the money would be allocated to my special financing rate. 

I then decided that Synchrony 's services weren't worth my money and that they didn't need my interest revenue, so I paid my bill in full at XXXX dollars for both accounts. 

I have attached an XXXX Sheet with my calculations to justify my allocation request.

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 2023-04-25 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: MS

Complaint narrative:
The cfpb has allowed Experian to violate my rights again. I now have evidence proving that Experian did not investigate the inquiry from XXXX  XXXX XXXX on XX/XX/XXXX for XXXX XXXX XXXX in XXXX XXXX XXXX I now have evidence from XXXX XXXX XXXX and XXXX XXXX and other banks. please stop letting Experian get away with this or I will go the attorney generals office. thank you

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 2023-04-25 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: MD

Complaint narrative:
XXXX  is reporting XXXX separate conflicting accounts on my XXXX, Equifax, and XXXX credit reports. One of the accounts is showing as in " good standing '' and " Paid or paying as agreed. '' The other account is reporting as " Paid account/was delinquent 90 days past due date. '' On XX/XX/2023, at XXXX XXXX EST, I called XXXX  on the phone number listed on my credit reports for both XXXX accounts, ( XXXX ) XXXX. The customer service representative confirmed that XXXX is unable to verify that a second negative account exist under my SSN and name, and that the only account they have in their system for me is paid as agreed and in good standing with no missed payments. The customer service representative then tried to transfer me to their " charge off '' department whom was also unable to verify the existence of a negative account in my name using my SSN. I reiterated to the customer service representative that I have two accounts reporting on my credit reports with severely conflicting information. The customer service representative advised me to dispute the second negative account reported to my credit reports. I have disputed the negative XXXX  account in the past with XXXX, XXXX, and Equifax, but XXXX has verified the information with the credit bureaus as accurate. How can XXXX possibly verify an account that they claim to have no record of? XXXX, XXXX, Equifax, and XXXX are violating my FCRA rights by reporting inaccurate financial information on my credit report, not notifying me of a negative account in my name, and failing to provide information regarding the negative information on my credit reports when I requested this information directly from XXXX. I want this account removed from my XXXX, XXXX, and Equifax credit reports immediately. I have attached a copy of my credit reports with both XXXX  accounts listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: NH

Complaint narrative:
On XX/XX/2022 I received an invite to apply for a US Bank Smartly Checking account and earn a {$500.00} bonus by completing the qualified activities consisting of setting up two or more direct deposits in the amount of {$6000.00} over a 60 day period as well as manually entering the specified promo code in the offer. I completed all the qualified activities ( terms and submission in the attachments ) and waited well past the stated/promised bonus date ( 60 days after direct deposit is verified ) but the bonus never posted. I called customer service at XXXXXXXX XXXX on XX/XX/XXXX and spoke to a representative who indicted I had met all the terms in the promotion and would create a ticket for my bonus to be escalated and posted with a call back within 2 business days. 

I did not receive a call back so I called again on XX/XX/XXXX at XXXX XXXX. Representative informed me that the ticket was never created and bonus could not be awarded. Representative indicated that it appeared that I met the criteria for the bonus but if I wanted to launch an investigation he would need to file an additional ticket that required me to give my full social security number over the phone which I did not feel comfortable doing.

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 2023-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
XXXX has unjustly closed and permanently locked my XXXX XXXX account with no explanation other than fraud. I have never committed fraud and if I am a victim of fraud it is not right to punish me by closing my account without explanation. Also they told me I can open another account or they will permanently disable that one as well. Very wrong to treat customers like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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:
I have disputed Account Name : XXXX Account Number : XXXX Sent certified mail to XXXX : XX/XX/XXXX XXXX second request ) Sent certified mail to XXXX : XX/XX/XXXX XXXX second request ) Sent certified mail to Experian : XX/XX/XXXX Credit Bureaus, XXXX, XXXX XXXX and Experian, all three stated that the accounts were properly investigated and verified the accounts and information as accurate but the information for the account is still inaccurate and was not verified as I did not get any proper paperwork to show that the account belonged to me at all. The date opened, the date last active and the date last reported are all inaccurate still as well as high credit. The payment history is incorrect and also not reporting correctly and XXXX and Experian does not report any payment history at all and XXXX only reports good payment history with no late payments at all listed. How can this account be verified as accurate when nothing is accurate or reporting correctly or consistently? This is grounds for immediate removal and they have also violated my rights under 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. They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states that a consumer reporting agency can not furnish an account without my written instructions. I have not given these accounts written permission to furnish these accounts 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 2023-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: TN

Complaint narrative:
XX/XX/2023 The Claim Amount : {$530.00} This is what I received from Chime in regards to my dispute. 

" After reviewing your account and the information you shared, we couldnt verify unauthorized transactions. This means you are responsible for the {$530.00} you disputed. We review the details of every disputed transaction, your account history, and account usage, and make a decision based on our investigation. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: OH

Complaint narrative:
These accounts should not have any late payment remarks at all! I'm always paying on time. This is the company 's mistake and they shall correct this at once!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Experian has violated my rights. Experian, for the last 2 years has blocked me out of online disputes evidence submitting, viewing disputes online. and phone calls. I pay them XXXX a month for credit services. when I look at friends accounts during my investigation I notice the other people have full access to online disputes evidences submitting. and Experian sends them to different departments than me. Experian is trying to keep my from correcting information on my credit report. please advise.

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 2023-04-26 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: FL

Complaint narrative:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
These accounts should not have any late payment remarks at all! I'm always paying on time. This is the company 's mistake and they shall correct this at once!

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 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: 1st Franklin Financial Corporation
State: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719 I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
See attached documents, the personal information you are reporting are not mine.

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 2023-04-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
XX/XX/2022 fraudulent XXXX scam through Huntington took XXXX dollars made report with local police I was not protected by my bank They denied claims twice

Company response to consumer: Closed with explanation