vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-21 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
According to Synchrony Bank ( The Sams CluXXXX Card ), I opened a charge card on XXXX/XXXX/XXXX. I do not dispute this. However, at the time, I was given a temporary shopping pass and no physical card since this card was opened in the store. Somehow this card then had a balance of {$110.00} as of that date, with a scheduled payment of {$29.00}. Even though I did not physically have the card in order to use it, the balance then went up to {$140.00}, {$190.00}, etc. I had attempted to contact Synchrony Bank customer service on two separate occasions to obtain the physical card and obtain information about the account, but they denied to give me any information without me providing my card number. I am not sure how to provide them with the account or card number without the physical card. I then requested at the customer service desk in-store to be provided with this card. 
Apparently, there have been charges made on the card, even though I never had physical possession of the card. I am not sure how this is possible. The payment due amounts seem frivolous and made up. It is possible another person had been using this card, but more than likely it seems that synchrony bank made a mistake. 
On XX/XX/XXXX, I contacted Synchrony Bank to obtain information about this account after learning it was reported to the credit bureau and I was attempting to get a mortgage. I explained my situation, expecting to be able to place a fraud report. However, they refused to provide me ANY information about the account, stating that the debt was sold to another company. They stated that they have " no information regarding the account anymore. '' I requested a verification letter and was told multiple times that this was " not possible ''. 
If this is the case, how are they reporting it to the credit bureau? I then attempted to contact the place they sold the debt to. Apparently, they have no information regarding this debt either. However, it is very convenient that they are able to " verify the debt '' to the credit bureaus but are barring me from disputing that this is actually my debt at all. This is violating my rights and a blatant attempt at avoiding taking responsibility for their own mistake. The debt was sold to XXXX XXXX, yet I have never had any notice of this and was never contacted by them.

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 2022-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: OH

Complaint narrative:
Debt not mine Contacted company for verification

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PNC Bank N.A.
State: KY

Complaint narrative:
pnc allowed XXXX and XXXX law firm to take XXXX from my checking account that i got from short term XXXX and working XXXX weeks at my job after taxes XX/XX/XXXX to XX/XX/XXXX and using XXXX weeks of paid time off XXXX weeks used for XXXX hrs after taxes totaling approx XXXX for entire year XXXX to date

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
On XXXX 2018, GS Bank Usa., added a derogatory remark on my credit report per credit karma and XXXX. Upon further research this account was transferred/sold, and I am no longer responsible for this account. Debtors ' creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for the accused debt at all. A bill without a written signature does not validate the debt and anyone can send a bill and say it's mine. According to the FCRA Enhanced GS Bank USA, has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
The account I previously had, has been charged off. By Definition The IRS Clearly says a Canceled debt or Charge off Is Income. The reporting of this account as a debt is inaccurate.

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

I have contacted this establishment informing this manor. I have yet to see any change nor response from these companies reporting to the credit reporting agencies. 

companies contacted XXXX XXXX, XXXX XXXX XXXX, CXXXX XXXX XXXX BARCLAYS BANK DE, 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 explanation
Consumer complaint received 2022-03-21 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: CITIBANK, N.A.
State: WA

Complaint narrative:
The account I previously had, has been charged off. By Definition The IRS Clearly says a Canceled debt or Charge off Is Income. The reporting of this account as a debt is inaccurate.

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

I have contacted this establishment informing this manor. I have yet to see any change nor response from these companies reporting to the credit reporting agencies. 

companies contacted XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX, Citibank North America,

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 2022-03-21 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: Affirm Holdings, Inc
State: WA

Complaint narrative:
The account I previously had, has been charged off. By XXXX XXXX IRS Clearly says a Canceled debt or Charge off Is Income. The reporting of this account as a debt is inaccurate. 

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

I have contacted this establishment informing this manor. I have yet to see any change nor response from these companies reporting to the credit reporting agencies. 

companies contacted XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, AFFIRM, XXXX XXXX XXXX XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I, XXXX XXXX, a federally protected consumer, is writing this complaint against LVNV funding LLC and XXXX XXXX XXXX. On XXXX I sent a letter regarding cease & desist, validation of debt, and AFFIDAVIT OF TRUTH. To this day more than 30 days later, I have not received a response to my request and I know it was received because I have certified XXXX receipts. I feel like my request have been completely disregarded and ignored. Sending copies of a bill does NOT validate a debt. I demand a complete audit trial and the journal and ledger of the debit and credit entries according to the IRS publication XXXX. I do not owe this alleged debt and I demand it be removed from all consumer reports, according to Section XXXX ( a ) it states that failure to investigate these items within 30 days gives reason to immediately remove these items from my credit report and it has been more than 30 days so they should be deleted promptly. I demand this inaccurate accounts be deleted immediately or I will file for litagation due to the stress and anxiety you have caused. My information was also impacted by the XXXX databreach as well and may have been exposed to the wrong person. Im not sure how LVNV funding or XXXX XXXX XXXX even obtained my all my personal information to contact me in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has 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. 

Fraudulent Inquiries : Champion 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 2022-03-21 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/2018 Syncb/XXXX., added a derogatory remark on my credit report per credit karma and XXXX. Upon further research this account was transferred/sold, and I am no longer responsible for this account. Debtors ' creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for the accused debt at all. A bill without a written signature does not validate the debt and anyone can send a bill and say it's mine. According to the FCRA Syncb/XXXX  XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

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 2022-03-21 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: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: WA

Complaint narrative:
The account I previously had, has been charged off. By XXXX The IRS Clearly says a Canceled debt or Charge off Is Income. The reporting of this account as a debt is inaccurate.

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

I have contacted this establishment informing this manor. I have yet to see any change nor response from these companies reporting to the credit reporting agencies. 

companies contacted XXXX XXXX, XXXX XXXX XXXX, CASTLE CREDIT, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: AZ

Complaint narrative:
An inquiry was made on my TransUnion credit report on XX/XX/2021 by a company called XXXX XXXX. I did not authorize this company to inquire on my credit report for any reason. I believe this inquiry was placed fraudently by someone trying to use my credentials to apply for credit under my name. I am requesting that this inquiry be removed or deleted from my credit report. I was alerts of a social security breach my XXXX Bank and my personal Information was reported to have been found on the dark web. I am requesting for this inquiry to be deleted/removed from my credit reports with Transunion XXXX and XXXX immediately.

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 2022-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
On or around XXXX of last year me my wife my son took a trip to XXXX what happened was on the way back which we spent about a couple of days then we ended up leaving like around XX/XX/XXXX or so they told us that my wife could not fly she was a permanent resident newly permanent resident and we showed all the proper documents and made sure that we were able to fly with those documents make sure it was OK with our lawyer we get to the airport about three hours before departure and the lady at the counter told us that we can not fly at all so this prompted me to have to pay for a different flight on another airline two to be exact XXXX XXXX bus in XXXX in order to get my wife to XXXX. I contacted my bank USAA and try to get them to give me my money back for this issue and they denied my claim many times after showing them proof. 
I have reached a point that I have spoken to the highest person I can add USAA and they told me that they can not reopen my case and they can not do anything about it this led to me going into overdraft in possibly having my account closed as Ive been threatened that this will happen in the next couple of days in order to save my account Im going to pay the money but I feel as though I should have my money back into my account because my wife did not take her intended flight only me and my son and I showed this proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: Chime Financial Inc
State: GA

Complaint narrative:
I got a fraud call on XX/XX/XXXX from chime saying someone was trying to use my account to pay for a doordash order. And it said that I should text back when chime text me no or yes if that was valid. When the text came through I texted no. Saying that I did not authorize that payment. I was at XXXX at the time and I was in line using my chime card at the time. And I made a purchase at XXXX on the same night. After that I went home and I check my chime app and it said that i authorized some transfers to a person name XXXX XXXX in the amounts of {$550.00}, {$1100.00}, {$300.00} {$25.00}, {$10.00}, and {$5.00}. I do NOT know that person and I did NOT authorize those transactions. I did a police report the next day and I reported that issue to chime. Between XXXX est and XXXX pm est those transactions took place. Also at XXXX another transaction from XXXXXXXX XXXX XXXXXXXX for {$9.00} took place I did NOT authorize that transaction either. At that time In was driving home from XXXX. Chime did an investigation and said there was no fraud. I am beyond upset. I feel like they did not investigate the matter correctly. because they alerted me that there was fraud and then went back on there word and said no fraud. They also suspended my account for a few days and had me to verify myself in order to open my account back up so I did. Please help me I am a single mom and I was going to pay for a prom dress for my daughter and pay some bills that were behind. That was my income tax money. They also issue me a new card without me asking. I had my phone and my card no one has access to my phone or card. Someone hacked my account that is what I believe. I also make purchases online as well. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: DISCOVER BANK
State: FL

Complaint narrative:
My complaint is against Discover Financial Services for failing to remove an unauthorized and fraudulent credit inquiry on my XXXX credit report. I have included a copy of this credit inquiry that appeared on my XXXX credit report ( doc # 1 ). I did not apply for this Discover credit card and have no interest in having a Discover credit card. This inquiry along with many other inquiries for auto loans and credit card accounts appeared on my credit reports all within a few weeks of applying for a XXXX XXXXXXXX XXXX auto loan. I did not apply for any of these other auto loans or credit card accounts including this Discover credit card with the exception of the XXXX XXXX XXXX  auto loan that I was approved for and used to purchase a new vehicle. I sent a letter ( doc # 2 ) to Discover on XX/XX/2022 explaining that I did not apply for this credit card and asked that they have this hard credit inquiry removed from my XXXX credit since I did not apply for this Discover credit card. In this letter I further explained that several other credit cards and auto loans that I did not apply for has appeared on my credit reports. On XX/XX/2022 I received a form from Discover that was needed for them to conduct an investigation into this matter. I immediately completed this form ( doc # 3 ) and mailed it back to Discover on that very same day. After about three weeks went by since returning this completed form to Discover I called them for an update on this investigation. I was told that the department that handles this requires that all communication is done by mail. I followed up with another letter ( doc # 4 ) explaining that I had wrote a letter to them explaining my situation and that I also mailed them the completed form that they needed to investigate this matter. On XX/XX/2022 I received another form ( doc # 5 ). This is the very same form that I received from them back on XX/XX/2022. Discover is completely ignoring my request to have this credit inquiry removed from my credit report. This is clearly a case of fraud or identity theft and Discover is not taking this seriously. Having these unauthorized credit inquiries on my credit report is having a negative effect on my loan applications, my acquisition of credit and my credit history. Discover is not doing anything to correct this matter and since they requested my credit report without my permission they are required to have this credit inquiry removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: WA

Complaint narrative:
So the other day I had my XXXX ( ymail ) email account hijacked. 
This occurred sometime shortly before midnight on XX/XX/2022 and as soon as I noticed upon waking up around XXXX a.m. 
on XX/XX/2022 I took steps to secure every cent I had to my name ( $ XXXX ) by creating a secure email and switching phone numbers and updating my cash app with these new secure methods of contact on top of having my cash card in physical possession and a cash pin in place. Everything seemed fine until I go to make a child support payment to my daughter 's mother via cash app like I do every week only to have the transaction be declined and my cash app locked. They made it seem like everything was going to be fine there was no big deal and it should be unlocked shortly. A few hours past and I go to check on my cash up and see if the issues have been resolved yet and much to my shopping order I open the app and it appears that my cash I've been signed out so I frantically enter in my email details to try to sign back in and upon doing so I'm greeted to a blank screen saying welcome to cash app acting like I never had an account before. I didn't spend hours communicating with the service team only to eventually have them randomly shut me down and give access back to the hacker fully despite me having a cash pin in place and having physical possession of the card issued by cash app for the account. I am now facing homelessness and jail time for not being able to pay child support and rent after just moving completely across the country. I think that the reasons which were not communicated to me and I was denied any type of transparency or compassion or ever because I am using XXXX fi which has a VPN and their whatever security software program didn't like that fact or b because I think I may have accidentally mistyped one digit when I was prompted to enter my date of birth after clicking the ID verification link that they sent me. This is a cruel way to treat a veteran...

Company response to consumer: Closed with explanation