vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: AZ

Complaint narrative:
Timeline : XX/XX/2022 : I opened a Discover Secured Credit Card with a {$200.00} deposit XX/XX/XXXX : Was told I did not meet tax requirements, and card would not be activated, and money would be returned. XX/XX/2022 : I called customer service, and was told that the reimbursement would take up to 60 days, and to call back then. I asked them to let me know when the time was near, as I would be changing addresses. End of XXXX : I had not heard from Discover, so I reached out ( knowing the date was approaching ). They then told me that a reimbursement check was sent to my former address. I asked them to cancel this check and send to my new address ( which I gave ), and was told shipment would take 10-14 business days. XXXX ( 2 weeks later ) : Without receiving check, I called again to customer service, who told me that the check was AGAIN sent to wrong address, as they did not update properly as promised in previous call. I then gave them my new address and received an email stating that the address was updated in system. Customer rep said that this check would be expedited, but to wait at least 7-10 business days. End of XXXX ( 2 wks later ) : Check didnt arrive. I called customer service, and they had no answers re : check, but said I was eligible to an ACH transfer, but that it would take 7-10 business days. I agreed to cancel the check and move forward. XXXX ( 12 days later ) : Neither the ACH deposit received or cancelled check ( that was promised to be in mail 3 weeks ago ) have not arrived. Called customer service, who escalated to a supervisor and said that they would escalate and expedite request, but to wait 7-10 business days. I was also promised for a call back for an update ( which I never received ). Today ( XX/XX/XXXX : 7 days later ) : Called Discover Card Customer Service, who assured me that ACH attempts have been made on two occasions. I then brought my bank on the line XXXX XXXXXXXX XXXX ) to discuss directly, and no transactions have been attempted. Meanwhile, the check ( now calncelled ) that was meant to be sent out a month ago has still not arrived. ( XX/XX/XXXX ) Customer service is now saying that I wont be receiving an ACH xfer, but a check instead, and that I need to wait for it to arrive, despite the previous promised checks never arriving. I am now waiting for another call back, and have been told that my case in under investigation, and that there is no promised timeline for an outcome. At this point, I dont trust that Discover is doing anything to rectify the situation, and may have to consider filing for loss/damages, as I have spent hours upon hours trying recover my money. As a payment-processing company whose job it is to oversee transactions, I find it extremely inappropriate ( and possibly fraudulent ) that they need over 5 months to return a deposit that they should not have qualified me for in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
I literally have no knowledge of none of the negative things on my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
In accordance with Fair Credit Report. This List of accounts below has violated my federally protected right to privacy under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 section 604 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 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 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 2022-09-24 00:00:00
Product: Credit reporting, credit repair services, 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: AZ

Complaint narrative:
In accordance with Fair Credit Report. This List of accounts below has violated my federally protected right to privacy under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 section 604 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 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 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 2022-09-24 00:00:00
Product: Credit reporting, credit repair services, 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: AZ

Complaint narrative:
In accordance with Fair Credit Report. This List of accounts below has violated my federally protected right to privacy under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 section 604 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 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 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 explanation
Consumer complaint received 2022-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have been denied twice because the credit bureau has incorrect information regarding my total debt owed. My mortgage company, XXXX XXXX has denied my request for loan I requested. I do not XXXX in debt. My person loans were paid off and I have no auto loans, those loans were paid off also, which the credit bureau failed to report. I am requesting the mortgage company to reconsider my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Safe Financial Group LLC
State: FL

Complaint narrative:
The company sent me a letter advising that legal actions were to be taken if payment is not received by the XXXX of XXXX. 

Despite the letter, they are still trying to contact me by contacting people that I am friends with via social media, they have given this people all the info of my debt, and are now harassing this people. 

My friend, XXXX XXXX, is now receiving repeated communications from this office, and was given all the info regarding my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2022 my personal information was used to open an account with " XXXX XXXX  ''. I don't know who stole my identity but I am certain I have not applied for this account myself. Therefore this account is fraudulent due to a fraudulent application under my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I made a purchase using my card at XXXX for {$4600.00}. I returned my items back to XXXX and XXXX did not refund me. I then opened a dispute with credit card company because I don't want to pay for something that I never got. I provided all proof showing that I did return the item back to XXXX and they received it. I keep calling CapitalOne and no one is helping me resolve this issue. They keep saying, we will look into it and never get back to me. Please review Case Number : XXXX and provide my money back. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: MS

Complaint narrative:
I have not only contacted the bureaus but I also reached out directly with the creditor thats reporting the inaccuracies and they sent me documentation stating I was in forbearance during the time frame that they are reporting the late payments. In order to report that I was ever late they should have documentation supporting their claim and they do not.

15 U.S.C 1681 602A states that U have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 Also states that a consumer reporting agency can not furnish an account without my written instructions. Not only have they not verified this information they are unjustly causing me harm to being able to have an Accurate credit report and maintain my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion is not reporting accurate information for XXXX XXXX and only keeps changing the date opened and reported on the account when it is disputed causing it to remain on my report until XX/XX/XXXX. This account should have been deleted from my report as of 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 non-monetary relief
Consumer complaint received 2022-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2022 my personal information was used to open an account with " XXXX XXXX XXXX I don't know who stole my identity but I am certain I have not applied for this account myself. Therefore this account is fraudulent due to a fraudulent application under my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2022 my personal information was used to open an account with " XXXX XXXX XXXX'. I don't know who stole my identity but I am certain I have not applied for this account myself. Therefore this account is fraudulent due to a fraudulent application under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC
State: CA

Complaint narrative:
I paid this debt when through XXXX XXXX. Credit Control LLC, contacted me to tell me that their client has hired them. I have a letter from XXXX stating the debt is settled and it is with the same XXXX account number ending in XXXX. The company XXXX XXXX XXXX is the company that hired both XXXX and now Credit Control LLC. I told credit control that I paid it and they said they would file a dispute with XXXX  I keep getting contacted by collectors, even though I paid the debt through XXXX solutions. 

I have attached the XXXX and the Credit Control letters and you can see that this has been paid, but yet I keep getting other collection companies trying to collect on the same debt, on behalf of XXXX and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
I literally have no knowledge of none of the negative things on my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DriveTime
State: OH

Complaint narrative:
I literally have no knowledge of none of the negative things on my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
This complaint is to inform the CFPB that as of today, Transunion has been willfully unresponsive to my requests in regards to sending proof of consent for the following accounts : XXXX XXXX XXXXXXXX XXXX Account number XXXX and XXXX XXXX. XXXX  account number XXXX, Due to the remarkable amount of data breach with consumer reporting agencies, I see it necessary to exercising my right under the Gramm Leach Bliley Act which requires financial institutions or companies that offer financial products or services like loans, financial or investment advice or insurance to explain their information sharing practices to their costumers and to safeguard sensitive data, The GLBA generally requires clear and conspicuous notice of information sharing policies, including what information it collects and with whom it shares the information. The law also states that a privacy notice must be provided when a costumer relationship is established, and annually thereafter. unless the financial institution does not engage in any sharing for which costumers have the right to opt out and there have been no changes in previous policy notice They were unresponsive to my request on XX/XX/22 number XXXX and a follow up complaint submitted on XX/XX/22 number XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
I have 2 hard inquiries on my credit report where someone is trying to open credit cards in my name. The first one is WF CRD SVC from XX/XX/2022 and the second one is XXXX XXXXXXXX XXXX XXXX  from XX/XX/2022.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Kubota North America Corporation
State: TX

Complaint narrative:
Kubota credit issued me a 1099C last year. I paid the taxes on the amount wrote-off. Kubota is reporting the acoount to the credit reporting agency as a charge-off acount with a balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hey there, I have been keeping an outstanding credit rating with Equifax XXXX XXXX bureaus with no derogatory & no late payments reported ever and have noticed that my credit score started dropping starting last year when XXXX XXXX  XXXX closed my checking account and Visa card with a minimum of $ XXXX balance to avoid fees and the visa card in a very good standing and it got worse a couple of months ago when I sold my car and paid off the outstanding loan and cleared everything which started showing on my credit bureaus reporting as closed account but this effected my credit badly where it dropped by XXXX points for no reason at all! 
I am completely baffled as to why these events have cause my credit score to drop by a total of over XXXX points and wondering of you could possibly help me as I have not been able to get any answers from the credit bureaus. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: GOLDMAN SACHS BANK USA
State: MN

Complaint narrative:
My complaint is with Goldman Sachs management of the Apple Card. My account was opened without any issues. I am in great financial shape with no debt. I began using the card per usual. After a few weeks the account was restricted with no explanation. I had even made an early payment to clear the outstanding balance. After several text sessions and a phone call, I talked to someone who said they needed more account information from me but had not communicated that to me. They assured me that the issue was resolved and the account reopened. Several days later the account was closed again and again no explanation. I have now spent countless hours with their front people who have no clue but to tell me that the account is under review but have no more information. No one will contact me and Im told it could take 10 days. The level of ineptness throughout the process has been astounding. I still have no answers days later just vague, patronizing text messages. I have never experienced such ineptness. Apple should seriously reconsider their relationship with Goldman Sachs.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
According to XXXX 's XXXX XXXX XXXX XXXX. defines XXXX as : Confirmation of the correctness, truth, or authenticity of a pleading, account, or other paper, by an affidavit, oath, or deposition. See : XXXX XXXX XXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX ; XXXX v. XXXX XXXX. XXXX ( XXXX XXXX ) XXXXXXXX XXXX XXXX  XXXX ; XXXX v. XXXX, XXXX XXXX. XXXX. XXXX, XXXX XXXX XXXX XXXX. XXXX. You have to have documents that support your claim that you verified the accuracy of the disputed item ( s ). Its the business record ( the documents ) that constitutes the accuracy, not the testimony of a 3rd party witness referring to the document ( s I dont have a contract with a signature attached and the credit agency has failed to provide physical proof I don't have documentation in my records of XXXX XXXX XXXX for {$140.00} I dont have documentation in my records for municipals credit union for {$3300.00}

Company response to consumer: Closed with explanation