vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Someone, not me, opened a credit card in my name on Paypal. I received a letter from Paypal dated XX/XX/2023. I received the letter via United States Postal Service mail. I immediately sent an email to this email address provided on the Paypal website : XXXX I have yet to hear back from Paypal. I checked my credit report today and found that there was a Mastercard opened through Paypal in my name. The account was opened on XX/XX/2023. I have locked my credit account through XXXX XXXX XXXX XXXX. I am going to file a police 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 2023-03-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Failed to abide by credit card contract conditions Failed to reimburse {$50.00} for not following stipulation 2 of the contract agreement. 

2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. 

While we investigate whether or not there has been an error : We can not try to collect the amount in question, or report you as delinquent on that amount. 


If we do not follow all of the rules above, you do not have to pay the first {$50.00} of the amount you question even if your bill is correct. 

Your Rights If You Are Dissatisfied With Your Credit Card Purchases

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have a positive account with sun it that is only reporting on my XXXX 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 2023-03-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R.M. Galicia, Inc.
State: TX

Complaint narrative:
This month XX/XX/XXXX, I found out through my XXXX Credit Report that my credit scored decresed by XXXX points. It just reflected that a collection account opened in XX/XX/XXXX for Progressive MGMT SYSTE stated I owe {$580.00} from XXXX XXXX XXXX. I only visted that hospital once and that was before XXXX, to my knowledge, all my bills were paid by my insurance or through the sizeable Copay I paid when I was there. Furthermore, in the past two and half years I have received no emails or phone calls from neither the hospital nor the debt collection agency requesting to pay this supposed debt. Should I had a verification of debt or at least notice I would of course set matters straight and paid of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 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: TX

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I do not understand why accounts are not reflecting true information about my reporting. I have written below all the discrepancies. 

I request to be provided specific proof that these alleged late payments were in fact late. I requested to see all statements and payment transaction records from the creditors and credit bureaus that would prove that my payment was not submitted on time. 

I sent each of the credit bureau/s the letter attached and certified on XX/XX/XXXX, certified made it to them on XX/XX/XXXX and they have yet to respond. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Both the creditor and credit bureaus have failed to provide and verify these items for accuracy and unable to provide proof, as well as lacking proof of these payments being late.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF ED Acct # XXXX ] Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I do not understand why accounts are not reflecting true information about my reporting. I have written below all the discrepancies. 

I request to be provided specific proof that these alleged late payments were in fact late. I requested to see all statements and payment transaction records from the creditors and credit bureaus that would prove that my payment was not submitted on time. 

I sent each of the credit bureau/s the letter attached and certified on XX/XX/XXXX, certified made it to them on XX/XX/XXXX and they have yet to respond. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Both the creditor and credit bureaus have failed to provide and verify these items for accuracy and unable to provide proof, as well as lacking proof of these payments being late. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF ED Acct # XXXX ] 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 non-monetary relief
Consumer complaint received 2023-03-26 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: TX

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
Fifth Third offered a 0.25 % discount if mortgage customers signed up for autopay with a Fifth Third checking account. But the autopay feature is not smart enough -- it transfers funds from Fifth Third checking to pay the Fifth Third mortgage even on months when there is no mortgage payment due ( and therefore I put no funds in the checking account ). As a result, the checking account is overdrawn and Fifth Third charges {$25.00} fees on the mortgage account every time to reverse the payment attempt. When I contacted customer service, they said these fees are not able to be refunded. 

There is no way for a customer to see on Fifth Third 's website whether autopay is active, or to turn autopay on, turn it off or pause it. Each of those actions requires contacting the company. 

This seems unacceptable. Customers should reasonably expect that Fifth Third 's autopayer is synced up with other parts of its system -- enough to not try autopaying a bill that is not due. In the very least, customers should be able to view whether autopay is turned on and they should be able to turn it on, turn it off or pause it from the website or app. 

Thank you for looking into this matter. It seems like these improvements will only happen as a result of visibility with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
Hello, I am a XXXX  year old male who is having issues with XXXX  account from golden one. I am of age to possess this account. Golden one will not allow me to transfer fund out of account. Golden one is illegally holding fund that I can not access. I pay the taxes every year on this account and can not access any of the money?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Media Collections, Inc
State: SC

Complaint narrative:
I have never done business with Media Collections , Inc Joseph, Mann and Creed. I do not have a signed contract or a verbal agreement with this company. Media Collections Inc, Joseph, Mann and Creed is using the US Postal service to defraud me of money. This is extortion and I will be forced to notify the postal inspectors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Complaint : 15 U.S.C 1681 I didn't authorize anyone employed by these companies to make any inquiry and view my credit .This is a serious violation of the fair credit Reporting Act Section 1681b ( c ) a serious breach of my privacy rights.

15 U.S.C 1681 Section 602 A states I have the right to privacy 15 U.S.C 1681 Section 604 Section 2 : its also states a consumer Reporting agency can not furnish a account without my written instructions therefore this need to be deleted off my account ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 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 — Problem with personal statement of dispute
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
hello i am very upset that Affrim decided to appear on my XXXX credit report and not only that they reported the wrong current balance which should be {$12.00} plus this is the last installment payment i reached out to XXXX and of course they did nothing, here is the problem don't show up on my credit report at the last payment reporting inaccurate information, I really wanted to like Affrim but this stut has took the cake, XXXX is no better i don't have any respect for that company bottom freeders so I needed to bring this matter to a higher level since XXXX is in the bed with so much of these crooked companies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am interested in processing disputes on my credit report with experian. checking the file its information that is not accurate that is hurting my file. please review information submitted to clear the file asap.

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 2023-03-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
When I had a check to deposit I had {$5000.00} to deposit in a checking account no one was available to help me and I left upset only one teller and no bankers were available very unprofessional that J.P. Morgan chase has implented on their low staffing I understand this world is nuts I cant work for a certain reason I wont discuss but I will say this when u have low staff try and call some one dont show them away and I just was very disappointed I was trying to open up an account with chase because I was having problems with my previous bank XXXX XXXX so I was ready to start a new account and I was shoed away and that made me upset so hopefully this wont happen to another customer its poor judgement needs to be worked on especially when XXXX XXXX and have XXXX its very challenging when some one cant help u its really sad thats all I have just have some class and help potential customers

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 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 following accounts have violated my rights. 

XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX ( XXXX, XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX, XXXX ( EQUIFAX ) XXXX XXXX - XXXX ( XXXX ) 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 1666B ( a ) : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose The accounts with XXXX XXXX XXXXXXXX XXXX and XXXX XXXX, ALSO happen to be fraudulent, and the credit reporting agencies refuse to comply. I need IMMEDIATE compliance after failure to comply in previous disputes. To verify that an address listed on my

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 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 interested in processing disputes on my credit report with transunion. checking my file ive noticed alot of invalid data that needs to be removed asap to help clear my file.

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 2023-03-26 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: T.S. Holdings
State: IL

Complaint narrative:
I lived at an apartment complex and was transferred for my job. I notified palm apartment via email according to the contract if I proved it was for work there wouldnt an issue this was over three years ago. They said I broke the contract and said there were damages in the apartment which there were not. I advised the palm apartments that we would take this to litigation because their information was incorrect and they were just trying to get money. Never heard anything from them. Then in XXXX of XXXX  a company called Iq Data international put a negative report on my credit for {$3800.00}. Palm Apartment was advised of the move via email and the charges were not legit. I have asked for sign contracts and my emails of the move and no response. The information that Iq Data International has place on my account in incorrect, they said it started in XX/XX/2023 when in fact it is over XXXX years old and no litigation was filed to prove I owed anything. 
The false information and incorrect information they placed is effecting me from purchasing a house and giving me a low credit score. This company has had many issues and complaints why does the government let a company like this continue to XXXX people and lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Block, Inc.
State: MA

Complaint narrative:
Credit bureaus will start adding Afterpay, XXXX and XXXX and XXXX. They all allow shoppers to buy now and pay later. These such purchases are not being reported to my credit reports but one. I did the loans with the purpose to give lenders a fuller vision of my financial commitments.This is an easy way for people like me to establish positive credit so that I can start getting my scores up and acquire better and more useful lines of credit. You have yet to report anything to my credit reporting companies other than one account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Well this is the second time Im complain with CFPB, I definitely I need help Bank of America closed my business account in XXXX XXXX, with out email me any notice, the its hold the funds from my account, me end my family its going true very touch time right now, I call more then XXXX times to Bank of America, I went to Bank of America branch more the XXXX times the never gave me my money back, this its not legal hold customer money for over 7 months, the should pay for all the medical condition my wife is going true, she lost her job not corrent work, end the just dont care, Im going need find attorney to help us if CFPB can not please help us

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 2023-03-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: World Acceptance Corporation
State: TX

Complaint narrative:
World Finance went to selling their Loan account to Debt Collection Agncy XXXX XXXX XXXX Debt Collection Agency on today to collect Loan Debt in the amount of {$2000.00} dollars after my Legal at the XXXX XXXX XXXX sent them notice on XXXX XXXX sent them notice of that i have retained XXXX  XXXX Bankrupcy Legal Counsel regarding their Loan account number XXXX advicing them that my XXXX  XXXX bankrutcy will be filed filed trying to collect their debt after they was notified of my XXXX  XXXX Bankrupcy case from the notice of their Legal representation of my XXXX  XXXX Bankrupcy case to them from this XXXX XXXX  XXXX Bankruptcy Legal Representation Letter notice below attached to this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 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: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Got a scammer text from Chase bank saying that there was fraudulent activity from someone attempting to youse my card. They took me to a fake sign in page where I verified my identity unfortunately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26 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: DE

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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