vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Verizon was offering a special if you opened a Synchrony Bank card, you would receive a discount. Sounded good at the time, however, after a month I decided to cancel the card and continue using. Verizon 's auto pay which I have been using for years. I cancelled the card XX/XX/XXXX. However, the bank keeps charging me even though I have sent them proof from Verizon that the charges have been paid. I have also sent them verification from Verizon that the account is closed. 
I recived another bill today XX/XX/XXXX, they are adding late charges and they are also reporting that these payments are late to all of the Credit Bureaus. I have an excellant credit score, which they are damaging. 
I have also brought this issue to the Attorney General 's Office and the Bank was not willing to resolve this issue. I would like bank to bring the account to zero, I do not owe what they are charging me on a credit card that is closed. They are also charging later fees and interest. 
In addition, I would them to send letters to all the credit bureaus and withdraw their complaint in order to correct the damage they have caused to XXXX credit score.. 
I have been trying to resolve this issue sind XX/XX/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: Credit 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: GOLDMAN SACHS BANK USA
State: IA

Complaint narrative:
I have multiple issues not enough space here to enter all the documents and evidence I sent to XXXX XXXX XXXX XXXX A fraud charge from XXXX. A rental that I have clear evidence and copies of emails from the owner who sent to us saying we dont have the rental and never charged us - but XXXX charged us.

2. XXXX XXXX XXXX charging us for a no show fee but I have evidence I was there on the exact date of agreement and the exact location and did rent and pay for the car. I submitted that evidence Goldman Sach / Apple more than once

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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My identity was recently stolen. In an effort to protect myself and my credit, I began making accounts with the three reporting agencies.

When I went to request a freeze and make an account with Experian, someone had already created an account with my information and an Email address that was not mine.

I have tried calling Experian at least 5 times over the past three days. Despite stating that an account was fraudulently created in my name and trying to freeze my report, I get stuck perpetually in an automated line until I am hung up on. 

There is no way to contact or email anyone from Experian. The only option is by mailwhich is too slowor by getting the run around by the automated line. 

They are a completely insecure and untrustworthy organization.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I respectfully ask that you eliminate this incorrect account from my credit report since I never authorized its creation and it's not mine. The supporting documents, which validate my claim, are attached.

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: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
this is was opened or applied for from someone else i didnt open this acct

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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

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: Fraud or scam — 
Company: Block, Inc.
State: WI

Complaint narrative:
On XX/XX/23 I sent a payment via CASH App to a party for work completed in the amount of {$25.00}. On XX/XX/23 an unauthorized payment was made of {$50.00} to the same party and I immediately notified cash app of the fraudulent charges. I have since sent XXXX complaints regarding the fraudulent charges and marked the user as a scammer and nothing has been done. I called customer service on XX/XX/23, where I was prompted to ask the scammer for a refund, which I had already done. The scammer party declined my request for refund. After explaining this to customer service, she literally said, " I told you how to fix this '' and then hung up on me. I filed yet another complaint on the fraudulent charge of {$50.00} and every time I attempt to resolve the issue, customer service does absolutely nothing and the scammer continues to scam people. Cash App is by far the worst system I have ever dealt with in sending and receiving money and they need to be eliminated as an option since they clearly can't keep users safe and do nothing to resolve issues.

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 status incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
This is concerning the collections account with XXXX XXXX XXXX. Account was involved in litigation. Case number : XXXX XXXX. XXXX was dismissed on XX/XX/2023. This collections account needs to be removed from credit report.

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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
This is concerning the collections account with XXXX XXXX XXXX. Account was involved in litigation. Case number : XXXX XXXX. XXXX was dismissed on XX/XX/2023. This collections account needs to be removed from 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 2023-12-18 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: CA

Complaint narrative:
I am writing to raise a severe issue regarding multiple accounts listed on my credit report, which contain inaccuracies, violations of federal laws, and reinserted fraudulent entries. These accounts include derogatory information from multiple creditors, namely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts violate federal laws including the Fair Credit Reporting Act ( FCRA ) and Metro2 guidelines, displaying incorrect information such as inaccurate balances, misleading status descriptions, and disregard for required dispute comments. The numerous accounts with derogatory status have adversely impacted my credit profile, in defiance of consumer protection laws. 

Additionally, the reinsertion of previously disputed accounts and insertion of fraudulent names, particularly XXXX XXXX XXXX XXXX ' which does not reflect my legal name XXXX XXXX XXXX XXXX demonstrate a flagrant violation of my rights to accurate and fair reporting. 

I demand an immediate, thorough investigation into these egregious violations and prompt removal of all inaccurate and reinserted entries from my credit report. Further, I expect adherence to Metro2 guidelines, FCRA requirements, XXXX CFPB, and XXXX data breach obligations. 

Your compliance with rectifying these breaches is not only obligatory but imperative to restore my rightful credit accuracy and consumer rights. Any delay or failure to resolve this matter with urgency will result in escalated legal actions to enforce my rights as a consumer. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I WAS DENIED AN EXTENSION OF CREDIT BY J.P MORGAN & CHASE ON XX/XX/XXXX XXXX, I APPLIED FOR A CREDIT CARD WITH J.P MORGAN & CHASE AS YOU MAY BE AWARE, IT IS AGAINST FEDERAL LAW IN ACCORDANCE WITH EQUAL CREDIT OPPORTUNITY ACT TO PROCLAIM AN ADVERSE ACTION AGAINST A CONSUMER. PURSUANT TO 15 U.S CODE 1691 ( C ) YOU ASSUME CIVIL LIABILITY PURSUANT TO 15 U.S CODE 1691 ( K ). J.P MORGAN & CHASE HAS VOILATED MY FEDERALLY PROTECTED CONSUMER RIGHTS : 15 U.S. CODE 1642 15 U.S CODE 1681 M, 12 CFR 1002. MY APPLICATION WITH SIGNATURE IS THE COLLATERAL. THE NOTE FOR EXAMPLE IS THE PROMISSARY NOTE. THEREFORE, THE APPLICATION SHOULD IN TURN BE GRANTED INTO A PROMISSARY NOTE WHICH MEANS I SHOULD HAVE AN ACCOUNT/CREDIT WITH A CREDITOR AUTOMATICALLY. I WOULD LIKE MY ACCOUNT TO BE OPENED AND MY CARD SENT TO ME ASAP. 

J.P MORGAN & CHASE ALSO USED XXXX XXXX TO HELP MAKE THIS DECISION WHO ALSO REPORTED FALSE AND MISLEADING INFORMATION! 

SINCE THE LETTERS THAT WAS SENT TO ME DATED XX/XX/2023 AND XX/XX/2023 IS BOTH PROOF AND EVIDENCE THAT I HAVE BEEN DISCRIMINATED AGAINST, J.P MORGAN & CHASE ARE ALSO CRIMINALLY LIABLE. J.P MORGAN & CHASE SHOULD RESORT TO REASONABLE PROCEDURES TO RECTIFY THIS AFFAIR AND COMPENSATE ME FOR THE USE OF MY SECURITIES. OTHERWISE, THIS WOULD BE CONSIDERED SECURITIES FRAUD SINCE I HAVE RECIEVED ( NO BENEFIT ). 

FOLLWOING THIS INITIAL ATTEMPT TO RECTIFY, I WILL BE SENDING AN INVOICE TO COLLECT ACTUAL DAMAGES FOR SAID VOILATIONS.

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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
There are accounts reporting on my consumer credit report with different amounts and different open dates from the other agencies that are reporting those same accounts. XXXX isn't reporting any of the accounts that the other 3rd parties are reporting and those are violations and must be removed immediately according to congress and federal law 15 USC 1681. Not only are they violations according to congress but I've been violated and I've also been denied for things that I've apply for, I've been humiliated and denied my rights to privacy when congress put it in writing and a consumer also has the right opt out of 3rd party affiliates as yourself, I feel my life is in danger because of your agency reporting my nonpublic information to the public without my permission or my written consent. 
15 USC 6802 and 16 CFR 313 explains the privacy of a consumer financial information and explains that a financial institution may not directly or through any affiliate disclose to a nonaffiliated 3rd party ( XXXX, Experian, XXXX, and XXXX XXXX ) any nonpublic personal Information and if so, that is also a violation, and the consumer can be compensated {$1000.00} or more each month the consumer 's nonpublic information was reported. I will provide a copy of my consumer report, my opt out letter, the Privacy act of 1974 EXPLAING CONSUMERS RIGHTS TO PRIVACY, OPT OUT RIGHTS AND THE PUBLICATION 4681 CERIFICATE OF INDEBTNESS which explains what a charge offs is and the reason it is not supposed to be on a consumer 's report, a list of the items that I would like removed immediately, also all addresses excepXXXX XXXX XXXX XXXX XXXXXXXX, la XXXX because the other addresses are not mailable addresses.

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 2023-12-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
Applied for a HELOC with Navy Federal Credit Union for the amount of XXXX. This amount was only a small fraction of the equity in my property. The XXXX was XXXX but NFCU wanted me to pay for an appraisal. I paid for that service and of course the apprising company out of XXXX  XXXX SC numbers were less at $ XXXX. I disagreed with the numbers submitted but the loan originator basically said move on from it. A number of documents were requested and sent ( taxes, incomes, insurances, and much more ). Some of the documents were being requested more than once or twice. I told the loan originator, I felt this was over for just a HELOC. Over the last few years, many accounts were opened with no problem. Credit card and vehicles loans were approved in minutes. Credit cards with limits of XXXX, vehicle loans XXXX and XXXX, respectfully. The XXXX vehicle loan was paid of early. My credit score at the time ranged from 790-812 with the three reporting agencies. The loan originator told me that her calculations showed that my debt to income was 55 % the reporting agencies at it from 26-30 %. I offered to send it but was denied stating, she is going with whats on her computer. I do my DD before applying for anything and have other accounts with other financial institutions, no problem. I applied for a XXXX personal loan ( 11.19 % ) and was approved within 24hours with NFCU a few days later. I took on higher interest rates because of this denial. The payment for the personal loan is greater than what the HELOC would have been at the time with low interest. {$420.00} per month. By the way, NFCU always send a message to my account noting my excellent payment history. But I still got denied for a HELOC.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: DC

Complaint narrative:
Attempted to contact Robinhood due to a failed transfer of assets. However, it is not possible to contact the company. I tried using the call me function which they advertise. However, I was waiting in line for over XXXX hours. I then tried to use the chat function which makes you leave the line and again I was on hold. As an investment brokerage they should have some fiduciary duty to provide customer service for customers wishing to transfer in/out of assets. 

I want the customer service people to call me back and would like to make sure Robinhood keeps up with their obligations to ensure customers have a customer service line.

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On or around XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent letters via certified mail that also included a copy of my driver 's license and a utility bill to verify my identity to Resurgent/LVNV Funding. I sent the letters after I obtained a copy of my consumer report and I saw that they were reporting a debt. I requested verification that shows it was me who owed the debt. I requested to have the documents with my original signature as I am a victim of identity theft and have identified several names and addresses on my consumer report. Resurgent/LVNV Funding has failed to provide me with the proper disclosures for verification of this debt however they continued to send letters and call me to collect on a debt that I do not know of.

Company response to consumer: Closed with explanation