vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: CA

Complaint narrative:
Hi my name is XXXX XXXX, I am the owner of my PNC acct, with routing XXXX ; an account XXXX. My account was compromised, as well as my debit card. I last seen it XX/XX/XXXX with my last transaction being my XXXX XXXX transaction for {$22.00}. After that I fell sick, an I sent a few XXXX XXXX but that was it, an it didnt require my acct or card so i still didnt notice anything. I still didnt notice anything until early this morning the XXXX I tried to send another XXXX an it declined, once that happened I check my acct an saw all the charges. There were charges from XXXX for over {$2000.00} as well as over 3 charges in HAWAII!! including a hotel charge, XXXX ect... I called PNC who Ive been a member with over 3yrs an was told I will receive {$250.00} in provisional credit an that was it, until a 45 day investigation took place. I think this is so unfair, im late on rent, my car note, an even child support.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: NV

Complaint narrative:
Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. XXXX XXXX Partial Acct # 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 2024-07-13 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: IL

Complaint narrative:
XXXX. Purchased XXXX XXXX dining table from XXXX XXXX XXXX on their Synchrony credit card on XX/XX/XXXX for {$6900.00} XXXX. Less than a year later, table and chairs are peeling, clearly defective XXXX. After XXXX XXXX XXXX claimed without seeing the table that this is just normal patina XXXX. Opened claim with Synchrony credit card XX/XX/XXXX and submitted documentation on XX/XX/XXXX by uploading through XXXX XXXX XXXX XXXX ( including Merchant 's Response, Two Pictures clearly showing peeling and merchant 's advertised Product Description ) - and have screenshot showing message from Synchrony.com " Your files have been successfully submitted '' XXXX. Synchrony letter on XX/XX/XXXX that no proof had been submitted, closing claim XXXX. XX/XX/XXXX call with XXXX at Synchrony who said she found the XXXX pictures that were previously loaded and was resubmitting the claim XXXX. XX/XX/XXXX letter from Synchrony that can't find the transaction XXXX. XX/XX/XXXX, had XXXX minute call with Synchrony representative named XXXX who incorrectly alleged account numbers had changed and amounts were wrong XXXX. XX/XX/XXXX confirmation letter that claim resubmitted XXXX. XX/XX/XXXX letter that claim closed again because no proof submitted XXXX. XX/XX/XXXX call to XXXX at Synchrony, telling her I was going to file this complaint and she said they can not accept pictures as proof that the table was defective XXXX. The credit card company is clearly protecting the credit card 's sponsor and rejecting all claims

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 2024-07-13 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: MA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, has violate 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|

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 2024-07-13 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
It has been about 2 years now i been trying to get false information remove from my credit reports in each letter i ask for proof i been asking for what they see that shows that it was me not one bank provides accurate information or proof all i got back in my letters was i open the account i never said i didn't open the account but when it came to fraud on my account which leaded to a negate balance and ended on my reports i ask for proof that shows accurate of me inside the bank depositing money with a teller which they couldnt show because i wasn't never at the bank, never deposited money with a teller i also have the checks that was deposited into my account it came in my mail from the bank actually something i didnt deposit which lead to my acount to be close didnt get an email or call from the bank yall just let anyone get access to people banks thats sad then

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 2024-07-13 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: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway Company or Organization : XXXX XXXX Date fraud began :XXXX Date that I discovered XXXX Total fraudulent amount : {$500.00} Company or Organization : XXXX XXXX XXXX Date fraud began:XXXX Date that I discovered XXXX Total fraudulent amount : {$5300.00} Company or Organization : XXXX XXXX XXXX Date fraud began : XX/XX/year> Date that I discovered it:XXXX Total fraudulent amount : {$320.00} Company or Organization : XXXX XXXX XXXX Date fraud began:XXXXXXXX Date that I discovered it:XXXX Total fraudulent amount : {$220.00} Pursuant to 18 usc 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15usc 1681b 2 company has also no permission to report Anything using my info pursuant to 15usc 1681 4

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 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
It is my sworn statement that the following account is not mine and was never originated nor authorized by me. I need this account deleted immediately due to identity theft pursuant to 15 USC 1681c-2. Also please delete fraudulent inquiries listed. 

XXXX XXXX XXXX XXXX Please see attached identity theft 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 2024-07-13 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: MI

Complaint narrative:
It is my sworn statement that the following account is not mine and was never originated nor authorized by me. I need this account deleted immediately due to identity theft pursuant to 15 USC 1681c-2. Also please delete fraudulent inquiries listed. 

XXXX XXXX XXXX XXXX Please see attached identity theft report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 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: NV

Complaint narrative:
Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. Here is the item that I am asking you to verify as accurate. XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/year>, my daughter was victim of someone hacking her checking and saving account through XXXX XXXX. She immediately contacted the Navy Federal and notified them of what happen. The advised her to get a new debit card and in XXXX to XXXX business day they would replace her losses. They did state this was temporary until the investigation was over. On XX/XX/year>, they made a decision and went back and withdrew the money from her account. If she had not gone the store that faithful, she would not have any knowledge of the withdrawal transaction. They left her account in the negative stating that the reason for withdrawal was because there was no error committed. So, she filed an appeal on the same day with evidence showing she was hacked. I was told by Navy Federal to remove any money left on that account and put in another account. I did just that to try and keep her money safe. I transferred the money to my savings account because she wasn't able to withdraw it from a branch in XXXX, TX due to hurricane XXXX. My compliant is On XX/XX/year>, Navy Federal withdrew XXXX from my account to make daughter 's account current just because my name is on her account. I understand if this matter was the fault of my daughter, but in this it's not. With them pulling this amount out of my checking account has inconvenience me in paying my bills mainly my mortgage which is XXXX. Being a XXXX XXXX  member I have my setup for the XXXX and XXXX. When I discovered the withdrawal, I immediately contacted Navy Federal and asked if they could reverse the transaction because I need to pay my mortgage and there was an appeal submitted on that account. I was told by the Supervisor there is nothing we can do, and I understand. How do you understand but can't do anything. My daughter called to asked how long the appeal take and she was that it was in process, and it could take a minute because they get a lot these every day. UNSAT. My family having a place to live does not constitute a minute. I am currently looking for another bank to do business with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Date : XX/XX/2024 To whom it may concern, I am writing to request an investigation of the following information on my credit report, that was Previously removed and got re added back by you guys, however the other credit reporting agencies have removed them The charge-off of an obligation with ; XXXX is not mine ; I am not responsible of this account, The charge-off of an obligation with ; XXXX XXXX XXXXXXXX is not mine ; I am not responsible of this account, The Collections with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not mine ; I am not responsible of those accounts, I am a victim of ID theft. People have use my information to open them and also make fraudulent activities. 


To further support my claim, I have attached documentation including : the police report from the identity theft complaint, Also my Driver license to verify identity Please let me know if any additional information is necessary to remove the charge-off from your records. I appreciate your assistance. 



Sincerely, 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 2024-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I purchased a concert ticket from a third-party reseller. I sent the money for the ticket through CashApp and I was supposed to receive a transfer for the ticket. I did not. CashApp is not allowing me to dispute the charge. I was told since it was person to person and I willingly sent the money. I was told they can not contact the person. I reported the account and transaction as a fraud/scam and they did not do anything about it. On any other site, I would be to submit the proof that I did not receive the ticket and I was scammed, and the charge would be disputed or at least be put under investigation. My case was dismissed and they told me there's nothing they can do. I was told to be more careful, and I am. All the time. This isn't my first time buying or selling a ticket through social media or CashApp. All I was told to do was ask for a refund from the person who scammed me, which makes no sense. Please, I just want to report CashApp and get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

Company or Organization : XXXX XXXX XXXX Date fraud began:XXXX Date that I discovered it:XXXX Total fraudulent amount : {$220.00} Pursuant to 18 usc 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15usc 1681b 2 company has also no permission to report Anything using my info pursuant to 15usc 1681 4

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 2024-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collections Acquisition Company, Inc.
State: VA

Complaint narrative:
I called the creditors and explained to them that I believe Im a victim of identity theft because I did not open the account. She basically told me to file a police report and then they will take action. Ive reported this to the credit bureau several times

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: Affirm Holdings, Inc
State: PA

Complaint narrative:
I lost my phone & wallet on XX/XX/XXXX On or about XX/XX/XXXX someone used my old affirm account, to purchase XXXX worth of items, I have had no contact with this account about a year in a half prior to the incident. Around XXXX XX/XX/XXXX I start receiving calls from the creditor in regards to a delinquent account with Affirm Inc . When I contacted Affirm inc, they launched a investigation but they have not done anything about it and now it is detrimental to my credit score that I maintain a XXXX for the last XXXX  years which is now at a XXXX. I explained to the company numerous times that I was not the purchaser and someone is using my information, I even filed a police report and disputed these items multiple times but to no avail I am still stuck with XXXX in debt. The addresses on the account look like they were switched to XXXX XXXX XXXX XXXX, XXXX Pa & XXXX XXXX XXXX XXXX Pa. I live at neither of these addresses nor have I ever been there

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX in XXXX Va started a process for eviction on XX/XX/XXXX. all parties were to appear in court on XX/XX/XXXX. In the court ruling, the judge ruled that there was no debt to be owed and that I was to vacate the property by XXXX week from that date. Suppose I vacate from the unit. There is no debt owed. The judge ruled no suit with no debt owed. 

As of XX/XX/XXXX, XXXX XXXX XXXX hired a third-party debt collector " Fair Collections & Out. To collect a debt of XXXX dollars. For the past year. I have been disputing this debt for the entire time. 

They have violated Fair Debt Collection Practices Act ( FDCPA ). Without a signed contract, I did not permit Apex Apartment to give my debt to a third party. 

When I spoke to the debt collection agency, I recorded them in the act of trying to settle the debt with a settlement. They tried to settle the debt with me without all parties present on the call. That's a violation of equitable subrogation law : equity jurisprudence, and a violation of suretyship representation. All parties of a settlement of equitable debt. Case Law : XXXX XXXXXXXX XXXX  XXXX XXXX ( Supreme Court of Rhode Island. XX/XX/XXXX. ) We must understand, the moment a debtor makes a payment on a debt. They are not the primary surety of the debt. And can step in the shoes of the primary creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX I have recordings of these conversations with them and all the credit bureaus.

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 2024-07-13 00:00:00
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I am writing to formally file a complaint against Bank of America regarding an unresolved issue with a credit card account that has persisted for approximately XXXX year ago. 

I opened a credit card account with Bank of America, which I subsequently paid off in full and ceased using years ago. However, despite having settled the account, I began receiving charges on the account approximately XXXX  year ago. I promptly disputed these charges with Bank of America, yet the disputes have not been satisfactorily resolved. 

Despite my continuous efforts to resolve this matter, including multiple phone calls and written disputes, I continue to receive bills for this account. I have made payments on these charges solely to avoid any negative impact on my credit rating. It is worth noting that I do not possess the physical credit card associated with this account. 

Furthermore, I have encountered significant difficulties in reaching a live person through Bank of America 's customer service. The quality of customer service has been extremely poor, and the process of attempting to resolve this issue has been frustrating and time-consuming. 

I am seeking the Consumer Financial Protection Bureau 's assistance in resolving this matter promptly. I request that Bank of America cease all further charges to this account, investigate the legitimacy of the charges already billed, and ensure that my credit rating is not adversely affected by this ongoing issue. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue swiftly and justly

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 2024-07-13 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: NV

Complaint narrative:
Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. Here is the item that I am asking you to verify as accurateXXXX 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 explanation