vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-22 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: FL

Complaint narrative:
" 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, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Credit card — Store credit 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: IN

Complaint narrative:
Had ordered their lifetime service from the company " XXXX XXXX '', for the XXXX XXXX XXXXor {$1500.00} via PayPal Credit on XX/XX/23, being assured that you would be able to make your money back to pay back PayPal Credit within 6 months, and even had a calculator to see what you'd expect for average returns. Wasn't able to start with the service until a week after purchasing the service, was told and also got reconfirmation from the merchant, that since my bot service hadn't been started yet, would have 30 days from the activation date to cancel and get my refund. Come 30 days later after activation of my service, came to check out the performance, with the gains being nothing close to what was being advertised, and would take approximately 10 years to finally pay off the lifetime service at that rate to PayPal Credit. Emailed their billing department for a cancelation and refund, they cancelled my lifetime service, but then didn't issue my refund on their 100 % money back guarantee. Filed a dispute with Synchrony Bank 's PayPal Credit, only to discover that the merchants are using the policy to protect themselves from having to give back money that people have invested with them under false pretenses, while telling the bank, various excuses as to why they shouldn't pay via, customer is outside of 30 day policy limit for refund, when verbally instructing customer to refund outside the policy limit before they'd " issue a refund '', claiming customer didn't return merchandise, when it was a service, with nothing to return, etc, have been dealing with this endless loop of disputing for a whole year now, and am just wanting my refund, since this has been negatively damaging the personal credit, while am not trying to pay for a subpar lifetime service that I'm not receiving, nor even received a product like they claim, but still required to pay for something that with no sustenance. Would like some help getting my money back from this Ponzi Scheme merchant, that has been conducting bad business via fraud, and is being willfully non-compliant. Have submitted numerous documents to Synchrony Bank, proving beyond any reasonable doubt that fraud is being conducted by the merchant, and yet nothing is being done to resolve this case of bad business, that's damaging the credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-07-22 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: AL

Complaint narrative:
I have made several attempts to have the Equifax XXXX XXXX accurately report the XXXX student loan debts on my credit report, to be either removed, paid in full, or no balance owed. 

These loans have all been XXXX by XXXX, The XXXX. Department of Education 's servicer for XXXX and XXXX XXXX XXXX. 

I have provided documentation from the loan holder stating that they have been XXXX, and I no longer have a contract with them. The Equifax XXXX XXXX still has not made the changes I have tried to dispute with them. 

XXXX and XXXX XXXX XXXX are reporting accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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: CITIBANK, N.A.
State: MI

Complaint narrative:
Upon checking my credit report, i noticed these unauthorized inquires on my credit report and have suitable reason to believe that i may be a victim of identity theft. Please Correct this, In accordance with FCRA 15 U.S.C 1681 Section 604 A section 2 states that i have a right to privacy. 15 U.S.C 1681 Section 604 a Section 2 : also states a consumer reporting agency can not furnish an account with my written instruction. Please handle with haste these inquires that were not authorized by myself : XXXX XXXX : XX/XX/XXXX CITY BANK NA., : XX/XX/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 2024-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/year>, around XXXX AM, I opened a checking account with Citi Banking, linking it to my XXXX existing Citi credit card accounts. As part of the requirements, I funded the account with {$25.00} from my XXXX account through connected banking without any problems. I then accepted a XXXX transfer of {$500.00}, which seemed to go through smoothly until I was suddenly logged out of my account and unable to log back in. 

Since then, I have made XXXX calls to Citi, experiencing multiple transfers between departments without any resolution. On XX/XX/XXXX, I spoke with XXXX in online banking tech support. She informed me that I couldn't log into my account with my current credentials until I received my debit card and reset my password using the card number. She expedited the card to my current mailing address, which she confirmed over the phone & matched the information on my account. Though I found this process odd, I decided to wait for the debit card. 

On XX/XX/XXXX, I received an email confirming that my debit card had been mailed to my previous address. On XX/XX/XXXX, I called online banking tech support again and spoke with XXXX. He asked for my security word, and when I provided it, he claimed it was incorrect and could not assist me, even though it was the same word I used XXXX days prior. He requested a call back from a supervisor within XXXX hours and transferred me to XXXX in customer service. XXXX asked for my account or debit card number, but I couldn't provide it since I couldn't log in or receive the debit card. She suggested I call the department handling new bank accounts. 

Later, I received a call from XXXX, the supervisor, who advised calling the customer service line for my credit card, getting verified, and then asking to be transferred back to banking. I followed these steps and spoke with XXXX in banking services, who repeated the same information. She transferred me to her supervisor, XXXX, who also said she couldn't verify me. XXXX 's only solution was to visit a physical branch, which isn't an option in my city.

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 2024-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Velocity Portfolio Group
State: AL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

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 2024-07-22 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: Merchants Adjustment Service, Inc.
State: AL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX XXXX per violation and clearly they violated my rights.

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 2024-07-22 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:
unfortunately, I am a victim of human trafficking of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-07-22 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: FL

Complaint narrative:
" 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, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report 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 2024-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Block, Inc.
State: MA

Complaint narrative:
I received a debit card in the mail from Cash App on XX/XX/year>. I have never used or opened an account with Cash App before and currently have a freeze on my credit score with the 3 major rating agencies to avoid having loans, credit cards and bank accounts opened in my name. 

I contacted Cash App to inform them that someone else tried to open an account in my name and that I received a card in the mail. Instead of canceling the account with me providing the information on the card that I received in the mail, they kept insisting on getting my email address to send me a link to cancel it online. After arguing with them about not wanting to provide my email address, they insisted it was the only way they could handle canceling the card. I provided my work email address instead of my personal email and am currently waiting to receive the email to cancel the account and debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: TX

Complaint narrative:
I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.

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 2024-07-22 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: Absolute Recovery Services, LLC
State: AL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: TX

Complaint narrative:
I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.

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 2024-07-22 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: TX

Complaint narrative:
I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.

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 2024-07-22 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: Aldous & Associates, PLLC
State: MO

Complaint narrative:
I HAVE REACTLY REAVIED MY CREDIT SCORE AND NOTICE FRAUDENLT ACCOUNTS .PLEASE REMOVE IT, IT'S HURTING MY ABILITY TO OBTAIN CREDIT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: Affirm Holdings, Inc
State: GA

Complaint narrative:
This issue is related to a fraudulent transaction for a XXXX XXXX from an online retailer named XXXX in the amount of {$92.00}. I purchased the watch with an Affirm Visa card ( ID : XXXX ). The watch was never shipped and never delivered. I emailed the merchant through the info provided on their website with no response. I disputed the transaction with Affirm ( Case ID Number : XXXX ). I am currently getting delay tactics when I inquire about the status. This is their normal run-around process when inquiring about a resolution status. This can be confirmed through a XXXX search on Affirm Customer Support ... many XXXX complaints. I reached out to Visa who said the issuing bank for the card was XXXXXXXX XXXX XXXX - Address : XXXX XXXX XXXX XXXX, XXXX, OH XXXX Phone : ( XXXX ) XXXX. The bank was quick to tell me that they were not responsible for chargebacks. I called Visa again who agreed to host a 3-way call to help resolve the issue. When we called the bank and asked for their chargeback department we were transferred to a company named XXXX who said they did not represent the bank but suggested that I submit a complaint with this organization. Chargeback is the normal path when you purchase with a XXXX and the merchandise is never delivered. Please assist. Thanks.

Company response to consumer: Closed with explanation