vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-10 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 ( Original Creditor : XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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 explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I disputed a {$190.00} transaction that was processed on my account on XX/XX/. The last transaction that I authorized using my card was from XXXX in the amount of {$100.00} which included a {$20.00} cash back amount. Regrettably, I left my wallet at the store and hadn't realized it until the next day. When I got back to the store I was told that someone returned my wallet to a staff member of the store. However, I had not realized at the time that the transaction for {$190.00} had posted to my account. It wasn't until XXXX  that I noticed the amount I normally write down to keep track of my account did not match the amount indicated on the app. I then looked through my transactions thinking that I may have forgotten to write down a transaction and then noticed the transaction for {$190.00}. I did not authorize this transaction since the last transaction I had authorized for that date was at XXXX. The additional transactions were made by me because I had the card back in my possession after receiving it back from a XXXX employee. However, the {$190.00} transaction was not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
I have an Amazon credit card through Synchrony Credit Card since XXXX  and I always check my latest transactions to see if there's any fraud or any issues with my account. I decided to check my statement on the month of XXXX and noticed a " Payment Security '' charge for around ~ {$5.00}. I checked my previous statements and they all have " Payment Security '' ranging from ~ $ 5-~ {$20.00}. I did research about payment security and it's Synchrony Banks way of charging a monthly fee for " debt collection. '' I have been employed for the last XXXX  years and never needed debt collection nor did I know about htis. After further review on similar complaints, Synchrony sneaked this into their contract as an opt-out feature and scammed thousands of people. I looked into my statements and Synchrony Credit Card charged me thousands in " Payment Security '' that I will never get back. 

I contacted Synchrony after hearing this and the representative easily opted me out and gave me a refund of ~ {$47.00} but I demanded a refund for all those months and years they charged me on a service I didn't need or know about. She escalated this information and I received a letter that I will not get refunded for the previous years. 

Synchrony Credit Card is a scam and I will never do business with them or any businesses that uses their services.

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 2024-01-10 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: CA

Complaint narrative:
Unknown inquiries on my credit report. I did not I did not authorize these transactions. Please remove 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 2024-01-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Unknown inquiries on my credit report. I did not I did not authorize these transactions. Please remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: KS

Complaint narrative:
I went to pay for a tattoo though pay pal and an unauthorized transaction of XXXX bucks got sent to the other party.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My XXXX student loans were paid in full ( {$31000.00} ) by another company in XX/XX/XXXX which resulted to a {$0.00} balance. Currently, XXXX XXXX, the account is still showing active on my credit report with the full balance. 

History : I started contacting XXXX In XX/XX/XXXX because the account was still showing open and with the full balance. Every time I contacted XXXX I received conflicting answers -- first they said due to their reporting structure, the balance would take a few months to drop off, then they said because I had XXXX late payments back in XXXX ( 5 years ago )- they wont change the reporting. 

At the end of the day- the reporting is wrong... The account is showing open ( but should be reported as closed since it was paid in full ) and the balance should be reported as XXXX. Is there anything I can do to get this reporting updated?

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 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please update my account and remove the inaccurate late payment. I always pay on time and never missed a payment. I'm begging you please update my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I checked my credit report with wallet hub and realized my name is completly wrong and my address see my dispute as listed below. 

To, Whom It May Concern : Upon reviewing my credit report, I have identified certain inaccuracies that I would like to address : 1.MY NAME IS TOTALLY WRONG AND THE CREDIT LINKED TO IT. MY LEGAL NAME IS XXXX XXXX XXXX XXXX SEE SOCIAL SECURITY CARD ENCLOSED AND DELETE THE NAME XXXX XXXX IS WRONG. 
XXXX. MY CURRENT AND CORRECT ADDRESS IS XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TEXAS XXXX SEE PROOF OF ADDRESS UTILITY BILL AND CHANGE IT TO THE ABOVE ADDRESS REMOVE THE ADDRESS OF XXXX XXXX XXXX XXXX XXXX, SC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was looking at my credit report and discovered that there were a plethora of inquires that I have no knowledge of. I haven't given any consent for these companies to run my credit. Some of these show up multiple times either in the same month of a few months apart which is something I would not do!! Please have these removed ASAP! 

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 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

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 2024-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I have been contacted constantly since XX/XX/ by Resurgent Debt Collectors attempting to collect on a balance of {$710.00} owed by someone named XXXX. I mailed in a request of Debt Verification since my name is not XXXX and I owe no debts in that amount or to that company. I have not received it yet as of XXXX XXXX and still get text messages and phone calls from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: CA

Complaint narrative:
In XXXX i found out i had been a victim of identity theft. Now i have a few fraudulent items on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 ( Original Creditor : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRY : XXXX XXXX  TU 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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 2024-01-10 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRY : XXXX XXXXXXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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 2024-01-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Betterment LLC
State: CA

Complaint narrative:
I initiated an " instant '' transfer via Betterment 's XXXX payment service from my savings account with Betterment last Wednesday XX/XX/2024. Since it was advertised as instant I expected this payment to either be instant or at the every least within XXXX hours. I saw nothing come into my account but it was immediately withdrawn from my Betterment account since which time I have had no access to my own money for over a week now. On Friday XXXX XXXX I received an email saying Betterment needed an additional verification via a different account to the one I used with their Plaid instant payment service. I then sat on the phone for nearly XXXX hour doing this with them in what felt like a very shady and weird verification system which involved me having to call another bank with them on the line. Their customer service representative XXXX then confirmed that the money would hit my account XX/XX/XXXX after I completed this " additional verification ''. XX/XX/XXXX rolls around, no money in my betterment account, no money in my other savings account. I call them again XX/XX/XXXX. The next customer service rep XXXX agrees that Betterment should not be holding my money and apologies but nevertheless says they are still holding my money. Today, XX/XX/XXXX, I receive an email saying that they are still holding my life savings and will transfer it in some more days. Betterment are acting in bad faith withholding money from their clients, that is customer money and unjustly enriching themselves with a hold that goes on more than a week where they withdraw Money from the client account and keep it for themselves. Betterment refuse to put the money back into my account with them, and the money is nowhere to be seen in the account I asked to 'instant " transfer it into over a week ago. Betterment is either unjustly enriching itself with their " partner banks '' holding onto client money or just plain stealing. It's not for Betterment to loan itself customer money and hold it XXXX for days on end.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Maury Cobb, Attorney at Law, LLC
State: NJ

Complaint narrative:
In XX/XX/, I moved from my old address to a new address and closed my XXXX internet account. In XX/XX/, I noticed a new XXXX account opened at my old address ( in a different apartment ) under my name and that I was being charged. I believe this new account is a result from identity theft, and that I am not obligated to pay its charges. 

In XXXX XXXX, I communicated multiple times with XXXX  to get the fraudulent account closed and charges removed. XXXX  told me that the issue was resolved. 

In XX/XX/, I started getting debt collector phone calls. I also got a collection note on my credit report which negatively affected my credit score. I eventually paid the XXXX $ that they asked for, just to stop the debt collection from bothering me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I WAS A VICTIM OF THE XXXX DATA BREACH AND HAVE MULTIPLE ACCOUNTS THAT WERE FRAUDELANTLY OPENED IN MY NAME. THESE CREDIT CARD ACCOUNTS EVENTUALLY WENT INTO COLLECTIONS WITH MIDLAND CREDIT AND ARE AFFECTING MY CREDIT REPORT. I ALSO HAD RECENT INQUIRIES TO DIFFERENT MORTGAGE COMPANIES AS WELL ALL DUE TO THE XXXX DATA BREACH. I HAVE WRITTEN SEVERAL LETTERS TO THE THREE CREDIT BUREAUS ASKING THAT THEY REMOVE SAID ACCOUNTS AND INQUIRIES WITH NO RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THIRD PARTY- EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX  is breaking the consumer law pertaining to : XXXX XXXXXXXX XXXX XXXX XXXXXXXX I've uploaded documents I need this corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with litigation. XXXX XXXX XXXX CARD  HOLDER!

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 2024-01-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/24 at XXXX US Bank XXXX XXXX XXXX XXXX XXXX XXXX ATM machine closed the door with my money and printed a receipt saying the deposit had an error and gave me an XXXX number to call. It did not put the funds in my account and I was told I had to wait 7-14 days.

This is absurd! The company that picks up the money obviously did not balance and has my money. Yet I have to wait as my account goes into negative balance and checks returned. Not to mention I have had to cancel appointments that I had due to not having.

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 2024-01-10 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: AZ

Complaint narrative:
I mailed Transunion XX/XX/XXXXXXXX  and in XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  my FTC Identity Theft report, notarized letter itemizing the theft and FTC legal notices. 
Transunion will not let me upload my documents and this is fraud. 

I uploaded XXXX my documents attached and no response XX/XX/XXXX. 

I want my credit score increased.

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 2024-01-10 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: GA

Complaint narrative:
UNSOLICITED HARD INQUERIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief