vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
They contacted me couple times a week for over a month now. They have been reaching out looking for a family member. I told them I dont know where she is. I have lost contact with her after she never showed up to my grandmothers funeral. Ive refused to speak to her or acknowledge her ever since. I told the company that multiple times and asked them to stop calling me. They are bringing up a trauma every time they call.

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 2023-06-27 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
On XXXX, 2023, I opened an IRA CD with Synchrony Bank using a rollover. Not realizing that the " single '' rollover rule applied, I sent 2 checks. The first check was deposited but the second check was deposited into Synchrony Bank but not applied to the new IRA CD. 

I have repeatably requested that the second check amount of {$30000.00} be returned. The bank has not done anything to get my money back. I have received no correspondence regarding this money. 

I have emailed XXXX XXXX a SVP at the bank twice but still no money. I believe that the bank has engaged in a float of my funds. They deposited my check on XX/XX/XXXX, even though it was never applied to my account. They wrote me a letter dated XX/XX/XXXX and mailed it to me. I received it just a few days ago, but it contained no information as to how and when the refund would happen. In fact, if they had reached out to me by phone or email, I would have told them to put the {$30000.00} in a regular CD.

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 2023-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I opened a Wells Fargo " XXXX XXXX '' account. Wells Fargo 's checking/savings account that one can get if they've been turned down by other banks. I had the account for a couple of months, had my pay check direct deposited to it. After a using the account for a couple of months, my checks stopped getting direct deposited, I called the bank and they stated I had no account there. 
I showed bank statements, showing I never overdrawn my account. Wells Fargo still insisted that I never had a account there.

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 2023-06-27 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX, DEPT OF ED/XXXX XXXXXXXX XXXX XXXX  XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/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 A Section 2 : It also states a consumer reporting agency can not furnish an 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 then records of convictions of crimes which antedates the report by more then 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 2023-06-27 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX, DEPT OF ED/XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXXXXXX XXXX Inquired on XX/XX/XXXX, XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/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 A Section 2 : It also states a consumer reporting agency can not furnish an 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 then records of convictions of crimes which antedates the report by more then 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 2023-06-27 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: GA

Complaint narrative:
In accordance with the fair Credit Reporting Act XXXX accounts : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 602 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 non-monetary relief
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Reporting of bankruptcy on credit reports. 
I understand it's public record but why is this on my report and keep receiving decline of credit? Can't even open bank account?

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 2023-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
On XX/XX/XXXX, through XXXX XXXX, I was made aware of a hard credit inquiry made on my Transunion report around XX/XX/2023. Through my investigating I discovered an attempt to open an account with XXXX. 
On XX/XX/XXXX, I contacted Transunion and they had me contact XXXX. XXXX had actually already sent this application to their fraud department because the address used did not match the address I have on file. I gathered they would work on taking this inquiry off of my credit report. 
Today, XX/XX/XXXX, I have placed fraud alerts on all of the credit reporting companies and am trying to get the address removed that was used fraudulently. I also attempted to file a police report but they wouldn't let me since no money was taken.

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 2023-06-27 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX, through XXXX XXXX, I was made aware of a hard credit inquiry made on my XXXX report around XX/XX/2023. Through my investigating I discovered an attempt to open an account with XXXX. 
On XX/XX/XXXX, I contacted XXXX and they had me contact XXXX. XXXX had actually already sent this application to their fraud department because the address used did not match the address I have on file. I gathered they would work on taking this inquiry off of my credit report. 
Today, XX/XX/XXXX, I have placed fraud alerts on all of the credit reporting companies and am trying to get the address removed that was used fraudulently. I also attempted to file a police report but they wouldn't let me since no money was taken.

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 2023-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I got approved for Apple Card by Goldman Sachs in XX/XX/2023 and purchased Apple XXXX XXXX with monthly instalment. The next day I changed my mind regarding the color of the computer and went back to the store to exchange it. The specialist told me that he has to make a return and make a new purchase. After making the return transaction, the credit card started declining the new purchase transaction. There were sufficient fund s on the credit card. Barely I found the phone number of Goldman Sachs and called them right from the store. They told me that my account is under review and I have to wait until it is over. The next day I tried to purchase the computer online and after that my account has been locked. I called to the customer service of the bank and again they told me just to wait until the end of the review. I waiting about 1 week after I called them back to understand what is going on. One of the managers unlocked and verified my account. She verified that my account is all set and I can continue using it and purchase items from Apple. I tried to make a new transaction on Apple.com but again it put my account under review again. I called and wrote to the customer service. Every time they were telling me that my account is under review. The next day it wasn't. I called them 10 times, I spent 10 hour staying on the line and talking to the supervisors and managers. Nobody is helping me with this issue. Some of their supervisors just hang up and don't answer the questions. I haven't seen such bad customer service before. They don't tell me the reason of the review. My transactions don't go through.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 if 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 2023-06-27 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: NC

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-06-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
XXXX XXXX charged my account {$6.00} a month for a long time. I go to XXXX XXXX frequently and never noticed. After I finally started seeing a pattern, I called them to find out what the deal was. I had not authorized a monthly charge of any kind. They could not find a reason that I was being charged, but yet still refused to give me a refund. They would not take the charge off of my account and I was forced to change my credit card number. Then I tried to dispute it with Bank of America. They could only go back 1 year. They told me the total they could do was XXXX. This was last XX/XX/2022. They did credit me some of this money, but later charged me for it again. I believe at this point, I have only received XXXX credit. I just called them and still no resolution. After 6 months, I am tired of waiting. They have closed the dispute twice and I had to re-open. I want this resolved as 6 months is more than enough time to get it done. I am hoping you can help

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 2023-06-27 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 — Investigation took more than 30 days
Company: AES/PHEAA
State: PA

Complaint narrative:
I was laid off work due to a natural disaster ( Covid 19 ) I reported this to the company and they said I would be okay but report my payments late between XX/XX/XXXX to XX/XX/XXXX. By law it should of never been reported and THE LATE PAYMENT should be removed from my credit report ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 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: TX

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had multiple late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2023-06-27 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I had a single 30 day missed payment that is reported on my credit report. It is the only missed payment in my entire credit history. I was homeless, didnt have a job and received no unemployment for 8 months until XX/XX/2021 due to XXXX. I also had my card stolen that was linked to my payments and therefore reported it to my bank and the payment to the creditor did not go through. I did not receive any communication from the creditor, and immediately paid the missed payment and explained my situation. It was due to a natural disaster ( Covid ) and I have asked for it to be removed from my credit report several times. I have explained my situation every time and have never missed another payment or any payment previous to that single payment. This is a life changing removal from my credit report and they simply do not care. This should be illegal. It was during the pandemic and it was one payment that I immediately rectified as soon as I received my new card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
i have been reaching out for months now because i see inaccurate information being reporting on my credit report. each credit bureau reports diffrent data which is proof that they are not 100 % accurate in their reporting. 
XXXX XXXX XXXX each bureau reports a different date of last activity XXXX XXXX XXXX You have the wrong date of last activity XXXX XXXX Please remove this late payment because its inaccurate and pulling down my XXXX XXXX! 

XXXX XXXX remove due to inaccuracy - I never paid late XXXXXXXX XXXX XXXX Each bureau has different info in the historical payment data this is inaccurate and all lates need to be removed XXXX XXXX XXXX XXXX Please remove this late payment because its inaccurate and pulling down my credit score! 

XXXX XXXX XXXX XXXX XXXX  XXXX Please remove this inaccurate account because the date last active is inaccurate. 

XXXX XXXX XXXX XXXXXXXX Wrong date of last payment

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 2023-06-27 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 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: GA

Complaint narrative:
In accordance with the fair Credit Reporting Act XXXX accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 602 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27 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: GA

Complaint narrative:
In accordance with the fair Credit Reporting Act XXXX  accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 602 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