vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
I have contacted them repeatedly trying to get a copy of my wet signature on a document saying that I signed up for these accounts!! Theyre about seven accounts and I dont owe any of them!! I have sent a cease-and-desist letter by certified mail because they repeatedly called me and told me they were going to take me to jail or that XXXX XXXX XXXX XXXX XXXXXXXX because I dont pay my bills!! Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 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 2023-03-19 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 — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I had a fraudulent charge of {$330.00} from a shady XXXX  in XXXX. I submitted numerous disputes through Citi 's customer service. They repeatedly agreed to refund my money but I never saw a XXXX. The most I got was a letter in the mail simply saying their investigation was resolved and they sided with the fraudsters. Mind you, this was a XXXX who just got their credit card machine, swiped behind a glass bullet proof counter, illegally sold counterfeit cigarettes, and broke every rule in the book during Covid. And Citi enables them to rip you off!

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 2023-03-19 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I never authorized to transfer or share personal credit information with any outside parties my consent was never given. This is unlawful and should not be permitted by any company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I was in a XXXX XXXX whenever my dad told me I had an email stating my taxes was deposited into my cashapp. When I got home I tried to access it and I had been logged out of my email and had no access to it. I called cashapp support and they helped me get into y account well it was all types of transactions done been made I know I told my dad to make the XXXX to my probation which he did online using my debit card that was linked to my account. But other than that no transaction shouldve been made well I went to file a dispute and its done been several of them made that was not authorized by me. I came home XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 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: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have two inquiries in my report that I do not apply for. 

I have reached out the creditor and credit repair company with no resolution XXXX XX/XX/2022 BMO Harris 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 2023-03-19 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: CORELOGIC INC
State: IL

Complaint narrative:
I have two inquiries in my report that I do not apply for. 

I have reached out the creditor and credit repair company with no resolution Credco XX/XX/2022 XXXX XXXX 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 2023-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My personal information is incorrect.

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 2023-03-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
XXXX I bought a car in XXXX  because of separation because my ex exposo he did not want to continue paying the car of which I stopped paying three months in XXXX and I knowing that I was not making the payment I took it off and what I did was take the responsibility of paying the car and from which I have been making the payments month by month and I am not late I want to bu

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 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: EQUIFAX, INC.
State: AL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you to request that you verify and correct some of the negative items that I have found on my credit report. I have identified several accounts and personal information that I believe are either incorrect or questionable. 

Firstly, I am concerned about the account with XXXX, account number XXXX. I request that you verify the payment status, balance, payment history, comments, and account number associated with this account, as I believe they might be incorrect. Please correct or delete any incorrect information from this account. 

Secondly, I am questioning the validity of the XXXX XXXX XXXX account, with account number XXXX. I am uncertain about the name and number associated with this account. Therefore, I request that you clarify this information or delete the account immediately from my credit report. 

Similarly, the account with XXXX XXXX, account number XXXX, also has a questionable name and number. I request that you clarify this information or delete the account from my credit report. 

Additionally, I have found some personal information that is incorrect. The account number associated with the address at XXXX XXXX XXXX XXXX, AL XXXX is not correct. Please delete this address immediately from my report. 

Similarly, the account number associated with the address at XXXX XXXX XXXX XXXX, FL XXXX is also not correct. Please delete this address immediately from my report. 

Furthermore, the account with XXXX XXXX is not my employer. Please delete this information immediately from my report. 

Finally, the account with XXXX  is also not my employer. Please delete this information immediately from my report. 

Thank you for your attention to this matter. I hope that you will be able to make the necessary corrections to my credit report as soon as possible. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 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: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
To Whom it May Concern, I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with Pay Pal ( SYNCB/PPC ) for many years. During our business association, starting in XXXX of XXXX, I have honored and respected my account agreement to the fullest and appreciate your outstanding service. 

Unfortunately, in XXXX of XXXX, I had fraud on my card tied to pay this monthly payment for my Pay Pal account. As a result, my payment was delayed. Because your account with me is important to me, I managed to catch up on the late fee. I ensured your company suffered no loss. Since opening my account with Pay Pal 6 years and 9 months ago, I have been current on all payments, except one, due to fraud, causing my credit card that pays this balance to close. Again, that is a 99 % payment rate for roughly seven years.

I am thankful and appreciative for the years of positive credit history that I have obtained through your company, but now this one single payment late mark on my credit score is causing me tremendous stress. I just had a baby XXXX XXXX XXXX, and my husband and I are trying to settle down and build our home. Unfortunately, this process has been delayed with our Mortgage lender due to this missed payment. 
This is where my " Goodwill Request '' comes in. I desperately need this to be removed from my credit so my credit will reflect my true genuine payment history allowing my husband and I to get the mortgage necessary to build our home for our family. I would greatly appreciate it if your company would comply with the UDF Universal data Form and Fax it to the credit Bureaus to remove this late charge entirely. The credit bureaus have advised me that they will report anything instructed by you but then need to have those instructions in writing. 

I would also like to ensure my privacy is protected. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states ; I have the right to privacy 15 USC 1681 section 604 A section 2 also states a consumer reporting agency cannon furnish an account without my written instructions. Under 15 USC 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. 
Again, I would be grateful if this late payment reported to my credit in XXXX XXXX XXXX  could be removed along with a notification sent to the Credit Bureaus of removal. Again, I thank you very much for your time and consideration. Please contact me if more info is needed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-19 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX All the information reported on my XXXX is not my information I believe that someone is using my identity with different information

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 2023-03-19 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: CCS Financial Services, Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX All the information reported on my XXXX is not my information I believe that someone is using my identity with different information

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you to request that you verify and correct some of the negative items that I have found on my credit report. I have identified several accounts and personal information that I believe are either incorrect or questionable. 

Firstly, I am concerned about the account with XXXX, account number XXXX. I request that you verify the payment status, balance, payment history, comments, and account number associated with this account, as I believe they might be incorrect. Please correct or delete any incorrect information from this account. 

Secondly, I am questioning the validity of the XXXX XXXX XXXX account, with account number XXXX. I am uncertain about the name and number associated with this account. Therefore, I request that you clarify this information or delete the account immediately from my credit report. 

Similarly, the account with XXXX XXXX, account number XXXX, also has a questionable name and number. I request that you clarify this information or delete the account from my credit report. 

Additionally, I have found some personal information that is incorrect. The account number associated with the address at XXXX XXXX XXXX XXXX, AL XXXX is not correct. Please delete this address immediately from my report. 

Similarly, the account number associated with the address at XXXX XXXX XXXX XXXX, FL XXXX is also not correct. Please delete this address immediately from my report. 

Furthermore, the account with XXXX XXXX is not my employer. Please delete this information immediately from my report. 

Finally, the account with XXXX  is also not my employer. Please delete this information immediately from my report. 

Thank you for your attention to this matter. I hope that you will be able to make the necessary corrections to my credit report as soon as possible. 

Sincerely, 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 2023-03-19 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you to request that you verify and correct some of the negative items that I have found on my credit report. I have identified several accounts and personal information that I believe are either incorrect or questionable. 

Firstly, I am concerned about the account with XXXX, account number XXXX. I request that you verify the payment status, balance, payment history, comments, and account number associated with this account, as I believe they might be incorrect. Please correct or delete any incorrect information from this account. 

Secondly, I am questioning the validity of the XXXX XXXX XXXX account, with account number XXXX. I am uncertain about the name and number associated with this account. Therefore, I request that you clarify this information or delete the account immediately from my credit report. 

Similarly, the account with XXXX XXXX  account number XXXX, also has a questionable name and number. I request that you clarify this information or delete the account from my credit report. 

Additionally, I have found some personal information that is incorrect. The account number associated with the address at XXXX XXXX XXXX XXXX, AL XXXX is not correct. Please delete this address immediately from my report. 

Similarly, the account number associated with the address at XXXX XXXX XXXX XXXX, FL XXXX is also not correct. Please delete this address immediately from my report. 

Furthermore, the account with XXXX XXXX is not my employer. Please delete this information immediately from my report. 

Finally, the account with XXXX  is also not my employer. Please delete this information immediately from my report. 

Thank you for your attention to this matter. I hope that you will be able to make the necessary corrections to my credit report as soon as possible. 

Sincerely, 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 2023-03-19 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: NC

Complaint narrative:
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 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 2023-03-19 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: NC

Complaint narrative:
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 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 2023-03-19 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: LA

Complaint narrative:
My name is XXXX complaining about your non compliance to the request I sent you about the identity theft issues I had. May I remind you that not responding to consumer letters are punishable by law and I have documents that can prove 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 explanation
Consumer complaint received 2023-03-19 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: Georgia Student Finance Authority
State: GA

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX student loan lender, Georgia Student Finance Authority, has refused to stop reporting late payments to my consumer credit report ( XXXX ). My XXXX XXXX bankruptcy was filed XX/XX/XXXX and discharged XX/XX/XXXX. This account is listed on the Certificate page of the bankruptcy. This debtor received a mailed and electronic copy of the my XXXX XXXX bankruptcy and did not show up to court hearings. Therefore, any monetary negotiations between me and the lender are null and void. Under federal law, XXXX XXXX bankruptcy does not require repayment. No worthy assets were available to repay debtors. I have emailed, spoken to representatives, faxed, and mailed GSFA several times over the last year regarding GA Student Finance Authority 's unlawful behavior.

Company response to consumer: Closed with explanation