vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Credit limit changed — 
Company: Block, Inc.
State: FL

Complaint narrative:
Per Afterpay request for an Hard Ship extension my account was reassessed from {$2000.00} to {$100.00} after been told that the 30 day request would allow me to pay my account in full as I did, but someone set me up on a 45 day extension something I didn't request. The day I requested the Hardship extension I paid {$500.00} XXXX but I want to pay more but whoever setup the extension took away all of my options to make additional payments, i was only able to pay the {$500.00} of a {$1500.00}. balance, upon the company disabling my chances of paying the account out sooner Afterpay set my account up to only pay what they wanted me to pay. In the process of trying to navigate through the app everything was disabled. by the 3rd payment extension I paid the full balance of and requested for my account to be re-instated but upon that happening they dropped my spending limit from {$2000.00} to {$100.00} stating that I had a past history of late payments in which that was a lie, my payments have always been on time except 1 time for a small payment under {$50.00} only because my payroll was delayed and they dropped my {$2500.00} credit limit to {$2000.00}, and i used to request payment extensions until they changed there payments with the extensions. I asked for a Hardship extension per what was asked of me to complete with in hopes of paying off my account as agreed but only to be down sized to a {$100.00} and Upper management belittling my creditability of been the valued customer as I was said to be but I am not that valued customer because they have set my account up for a loss. I have requested 7 times for someone to review my account but I have been refused the service. When I stared using Afterpay my limit was only {$600.00} and to be belittled to {$100.00} is unfair when all I have requested was for my account to be restored as planed from the day I requested the Hardship extension that did not have any late payments. I also request the Underwriter to contact me and someone of higher authority and it has not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion reported wrongful information of mismissed bankcrupt on my credit report but the court house said they didnt get the information from them and I have the letter from the court house uploaded with this complaint

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 2024-10-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XX/XX/XXXX, I noticed that I was unable to log in to my Barclays accounts. I waited on the phone for over an hour before being told that this was a technical issue on Barclay 's end. I then called back Thursday, Friday, Saturday, and most recently today, Monday XX/XX/year> to try to get this rectified. I can not access any of my funds online or using a mobile app. The wait time is longer than 40 minutes to receive assistance. I was assured this would be fixed no later than XX/XX/XXXX, and it has still not been fixed, and I am still unable to access any of my funds to pay bills or make transfers. If you call Barclays, they acknowledge that there is an issue with accessing accounts on their pre-recording, so this is clearly an issue affecting more than just me.

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 2024-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: ClearOne Advantage, LLC
State: MN

Complaint narrative:
I cancelled my debt collection service contract with Clear One Advantage. https : //www.clearoneadvantage.com/ They have tried to take a biweekly draw XXXX times since the cancelation from my business account. Payments have been stopped. 
They draw comes from XXXXXXXX XXXX XXXX on behalf of Clear One Advantage. 
They have tried. 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for {$550.00} on each occasion. 

I was told that they would stop trying to take the draw but they keep trying. I am being charged a service fee from my bank each time they do this. My banker is XXXX XXXX with XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MN XXXX Phone Numbers Main : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I DONT RECOGNIZE THESE ADDRESSES. PLEASE REMOVE FROM MY CONSUMER REPORT. THANK YOU XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ohio 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 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Chime Financial Inc
State: VA

Complaint narrative:
The credit builder was NEVER A UNSECURED CREDIT CARD IT WAS PREPAID I COULD ONLY USE WHATEVER AMOUNT I LOADED ON THE CARD I DID OWE ANYTHING WHEN I CLOSED IT MYSELF I FELT IT WAS SUSPICIOUS AND WAS XXXX THEY PLACED THIS XXXX ON MY CREDIT I WANT IT REMOVED IMMEDIATELY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Upon me looking at my credit reports i noticed some Fradulent accounts.

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 2024-10-21 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: PA

Complaint narrative:
Upon me looking at my credit reports i noticed some Fradulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I disagree with the reporting of the account listed below, which persists on my credit report despite your previous investigation. I request an immediate re-investigation of this item as its inaccuracies severely impact my credit score. Per the FCRA ( Public Law 91-506 ), Title VI, Section 611, Subsection 1-D, please provide me with the names and business addresses of each individual whom you verified and validated the above information with, so that I may follow up accordingly. Additionally, please send me an updated copy of my credit report after completing your investigation. 

Account name : XXXX Account # XXXX Account name : XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account Name ; XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
XX/XX/XXXX and XX/XX/XXXX unauthorized purchases were made and immediately reported. Synchrony claimed that XXXX told them I DID make those purchases. Hence, I called XXXX and they denied this. So much in fact, that I had XXXX on speaker on my phone and synchrony on speaker on husbands phone. XXXX, with synchrony loss prevention was to verify this and she didnt because synchrony added the charges to the following months statement. Every month I deal with this. Hours on the phone! XXXX insists they are NOT telling synchrony I made the purchases. Ive repeatedly requested to see the proof and synchrony withholds ( or is lying and doesnt have anything ).

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 2024-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Service Bureau, Inc.
State: KS

Complaint narrative:
I have been going back and forth with this agency for weeks, I first scheduled a payment online to be paid half of what i owe which was {$110.00} paid on XX/XX/XXXX. I then received a call stating that i still owed the full amount of {$220.00} and i explained that i have receipt and payment shown on acct and that they needed to locate the payment and apply it to the account. they then advised me that they would like into it but continue to push for more payment when they couldn't even locate my initial payment. I explained to them once they can apply it to my account to call and we can figure out the rest of payment for the amount still owed. They never called but then proceeded to charge my account without my approval for {$56.00} on XX/XX/XXXX. I called the company which is Midwest Service Bureau to complain about this and yet they still had not located my previous {$110.00} payment. a week goes by and they finally credited my account for that payment plus the {$56.00} that i did not approve to be pulled out of my account. I call then to get the new balance which the lady i spoke with said my account was paid in full, which was incorrect as i should still owe {$56.00} and they said well let us investigate this and get back in touch. they never called me back so again i called a week later and they still were not sure why it showed {$0.00} balance when i owed {$56.00} so at that time i spoke with a manager and paid the remaining balance of {$56.00} on XX/XX/XXXX and got receipt notification of it. but then AGAIN i get a text this morning that i still owe a balance of {$56.00} and to pay the remaining balance online.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: PA

Complaint narrative:
On XXXX, Direct Express debited {$300.00} without informing me. They did not contact me they withdrew they money without me knowing. Service Request number XXXX was a request for them to correct the error they made. I request all documentation used with service request number XXXX, that service request caused the reverse of {$300.00} on XXXX. If {$300.00}, is not returned to my account I will proceed with a civil claim in small claims court.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according
to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I received a credit monitoring alert on Monday XX/XX/year> that my credit report was accessed by : XXXX XXXX XXXX. 

I did not authorize nor did I apply for any credit form this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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: NJ

Complaint narrative:
I received a credit monitoring alert on Monday XX/XX/year> that my credit report was accessed by : XXXX XXXX XXXX. 

I did not authorize nor did I apply for any credit form this company.

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 2024-10-21 00:00:00
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX ( XXXX ) XXXX Closed account XX/XX/XXXX Closed account XX/XX/XXXX Closed account XX/XX/XXXX Closed account XX/XX/XXXX Closed account 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 2024-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
On or around XX/XX/year> I was on XXXX and contacted a " seller '' who was selling a software account that they had apparently had access to. This account was being sold for {$190.00} USD. I asked the person to confirm they own the account, to which I was provided a screenshot of the account dashboard. After initiating a payment via WISE, I was given the run around as to why this person can not give me the credentials to the account that I paid him for. I later posted about this experience on a closed XXXX XXXX, to which I was told this person was a scammer. It was evident as well when the user on XXXX 's name was found to be different than the name on the WISE account that I obtained. I contacted WISE about this, and they claim that because they sent the money to that individual that they were not able to refund me or reverse the charges. WISE then retaliated when I issued a chargeback to the amount with my bank, and they are now preventing me from using my WISE account, despite proving to them that I was indeed scammed, and that I should not be responsible for that amount. Police report was also submitted to WISE, and they still went against refunding me the amount that I was scammed out of.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: GA

Complaint narrative:
RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXXXXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, Experian, XXXX. XXXX, Experian, XXXX has violated my consumer rights and violated federal law. This is the THIRD attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please update this account to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. 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 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: CT

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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