vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-17 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: PA

Complaint narrative:
XXXX report late payment which didn't occur, without providing the option to opt out of that information reporting to a non-affliated 3 rd party prior to them reporting it in a court with 15 US CODE 68 0 2 XXXX must provide me with documentation of this and proof of my consent which is also a violation of 68 0 3 and 15 us code 68 0 1 Also, code 15 usc 1666 and code 15 usc 168 1 81 b when information is inaccurate as it is reported Payment history guide 60 days past due as of XX/XX/XXXX, XXXX XXXX 30 days past due as of XXXX XXXX, XX/XX/XXXX Moreover, late payments are transactions per 15 us code 1681 : any report containing information solely as to transaction experience between the consumer and the person making a report, this code that transaction are not included in a consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CUSTOMERS BANCORP, INC
State: NC

Complaint narrative:
I took a XXXX loan out through kabbage and have been caught up in the k-servicing fiasco. I applied for XXXX forgiveness in 2021 which k-servicing never correctly processed. My XXXX loan information was supposed to be sent to XXXX for review when K-servicing declared bankruptcy and transferred servicing to customer 's bank. Customer 's bank illegally drafted XXXX from my XXXX account without my knowledge not authorization resulting in an overdraft. 

They had no legal right to draft my account and they were already informed that I was not paying a dime until the XXXX process was complete. I demand the money be refunded and my XXXX bank account information completely removed from their system.

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 2023-06-17 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: OH

Complaint narrative:
I opened my credit report and found that there was a couple of inaccuracies in it

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 2023-06-18 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-06-18 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: CO

Complaint narrative:
Experian continues to verify unverified information, the accounts while in dispute continue to stay on credit report as they must by law be deleted while investigation occurs. Then if verified accurately put back on, 5 consecutive months of frivolous reporting!

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 2023-06-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
XX/XX/2023 : Went to XXXX to make a purchase and card declined. Called Credit Card company XXXX XXXX XXXX XXXX XXXX, and they stated that I had a {$48.00} payment that was due on XX/XX/2023, that had not been paid. I asked if I could set up a payment for XX/XX/2023 to pay the amount. They stated that if I scheduled the payment, I still will not have access to use the card. I asked if I make a payment today, could I use the card. They stated yes. I made payment and called back. A second representative told me that my card is locked and will be locked until the next billing cycle ( XX/XX/2023 ). I told them that I already made a payment, but they told me that I still would have to wait. I asked to speak to a supervisor and they told me that they would tell me the same thing. I called back a third time and the 3rd representative told me that I would not have to wait until XX/XX/2023, but I still would not be able to use my card on this day because they need to make sure that the payment will go through. They will wait until the payment processes in 2-3 business days, then they will unlock my card. I asked was this in the terms and conditions and the representative looked, but could not find it. I looked myself and did not see in the terms and conditions where they can suspend transactions for being a few days late on your bill.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report IR MTGCRDT - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX  - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This complaint is filed against XXXX, XXXX, and Equifax for improperly reporting incorrect and invalid information from a account called XXXX XXXX account number XXXX. Disputes were filed with all 3 bureaus and deem verified or correct. No other disputes are pending. A copy of XXXX XXXX XXXX XXXX XXXX report is included in this complaint so all errors can be verified. XXXX errors or violations are as follows : XXXX. Both XXXX and Equifax are currently reporting this account as a open account under account status on both reports. This is a closed account placed in collections and sold to a collection agency. This account is not open and can not be viewed as open. XXXX. On all three different credit reports, all XXXX reports a different date of last activity. XXXX reports XXXX. XXXX reports XXXX. Equifax reports XXXX. All differ and is impossible to verify all as correct. XXXX of last payment is also missing from all XXXX bureau reports. XXXX. XXXX reports on report under Dispute status that account is not disputed. Contrary on same report under XXXX 's Remarks it says account disputed. Both can't be correct. It's either or. XXXX. XXXX reports that account is disputed under XXXX 's Remarks. No disputed exist or are pending. Once dispute is over XXXX was obligated to remove all codes and remarks about disputes from report but failed to do so. XXXX. XXXX reports on its report under dispute status that account is not disputed. Contrary on same report under XXXX 's Remarks it says account is disputed. Both can't be correct. XXXX. XXXX also reports account disputed under XXXX 's Remarks. Once my dispute was final or concluded XXXX was legally obligated to remove all codes and remarks about disputes from that account report but has failed to do so. This is mandatory! XXXX. Equifax also reports that the account is disputed under XXXX 's Remarks and even though no dispute exist or is pending, they have also failed to remove all codes and remarks about disputes from the account which violates the FCRA. XXXX. Finally, on all three reports under late payment history both XXXX and XXXX show XXXX 90 days late. Contrary, Equifax shows 1 90 days late. Which is it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17 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: GA

Complaint narrative:
This complaint is filed against XXXX, Experian, and XXXX for improperly reporting incorrect and invalid information from a account called XXXX XXXX XXXX XXXX XXXX Disputes were filed with all 3 bureaus and deem verified or correct. No other disputes are pending. A copy of consumers smart credit 3 bureau report is included in this complaint so all errors can be verified. Said errors or violations are as follows : 1. Both XXXX and XXXX are currently reporting this account as a open account under account status on both reports. This is a closed account placed in collections and sold to a collection agency. This account is not open and can not be viewed as open. 2. On all three different credit reports, all 3 reports a different date of last activity. XXXX reports XXXX. Experian reports XXXX. XXXX reports XXXX. All differ and is impossible to verify all as correct. XXXX of last payment is also missing from all 3 bureau reports. 4. XXXX reports on report under Dispute status that account is not disputed. Contrary on same report under Creditor 's Remarks it says account disputed. Both can't be correct. It's either or. 5. XXXX reports that account is disputed under Creditor 's Remarks. No disputed exist or are pending. Once dispute is over XXXX was obligated to remove all codes and remarks about disputes from report but failed to do so. 6. Experian reports on its report under dispute status that account is not disputed. Contrary on same report under Creditor 's Remarks it says account is disputed. Both can't be correct. 7. Experian also reports account disputed under Creditor 's Remarks. Once my dispute was final or concluded Experian was legally obligated to remove all codes and remarks about disputes from that account report but has failed to do so. This is mandatory! 8. XXXX also reports that the account is disputed under Creditor 's Remarks and even though no dispute exist or is pending, they have also failed to remove all codes and remarks about disputes from the account which violates the FCRA. 9. Finally, on all three reports under late payment history both XXXX and Experian show XXXX 90 days late. Contrary, XXXX shows 1 90 days late. Which is it.

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 2023-06-17 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of inquiries has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 Capital XXXX Auto XX/XX/2023 XXXX Dealer Fin XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 Capital XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital XXXX XX/XX/2023 Ally XX/XX/2023 Safe XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Star XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MAIN XXXX XXXX XXXX CoXXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A 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 a account without my written instructions 15 USC 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make aany 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 7 years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to 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 2023-06-17 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of inquiries has violated my federally protected consumer rights to privacy and confidentially under XXXX XXXX XXXX. 
XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 Capital XXXX Auto XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX Dealer Fin XX/XX/2023 Capital XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital XXXX XX/XX/2023 Ally XX/XX/2023 Safe XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Star XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MAIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A 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 a account without my written instructions 15 USC 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make aany 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 7 years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to 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 2023-06-17 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

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 2023-06-17 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Good day, My complaint is against Wells Fargo for improper use of my information, I reached out to them personally after getting nowhere disputing unlawful reported information on my consumer profile to the third-party reporting agencies my dispute is for the LATE PAYMENT there choosing to report and LATE PAYMENTS are illegal according to the LAW Which states 15 USC 1681A ( 2 ) ( A ) ( i ) ( 2 ) consumer report does not include- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. I did not give permissible propose to report, sell nor furnish any of my private information and this was on XX/XX/XXXX they reached back out to me and said they received my inquiry and will get back to me well XX/XX/XXXX I received a letter in the mail saying and I quote under Credit Reporting : Per the enclosed Consumer Credit Card Customer Agreement & Disclosure Statement ( Agreement for your account Wells Fargo may report information about you to consumer reporting agenciesetc but what they fell to recognize or acknowledge what is and what is not apart of ones consumer report by LAW which I stated and pointed out to them and they bluntly dont care and choose not to follow the LAW about unlawful reporting so Im filing this complaint and contacting other institutions, to outline the clear and obvious breaking of the law after I notified and Warned them of this inaccurate and unlawful reporting without my written permission which is also identity theft according to 15 USC 1681b ( 2 ) several laws have been broken but there not the only corporate just one of the last ones on a journey to reclaim justice I hope you can aid me in this matter maybe they will get a better understanding of what is and is not allowed by LAW upon someone consumer report because LATE PAYMENTS ARE NOT

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 2023-06-17 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: OH

Complaint narrative:
I opened my credit report and found that it has inaccurate 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 non-monetary relief
Consumer complaint received 2023-06-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
I recently opened up an Apple Savings Account, which I believe is actually run/managed by Goldman Sachs XXXX XXXX ). There was no problem opening the Savings Account online, and no problem having cashback deposited from my XXXX Credit Card directly into the Savings Account. 

However, now that I'm trying to withdraw money from the Savings Account ( from accumulated cashback from my Apple Credit Card ) to my personal checking, XXXX now tells me ( on XX/XX/2023 ) that I have to " verify '' the checking account I'm trying to withdraw funds into. XXXX opened a text chat window ( on my XXXX ). After texting with customer service, the XXXX told me that I have to call ( can not text/chat ), and have to do so between XXXX XXXX Monday to Friday. ( It was Saturday afternoon when I was trying to take care of this. ) Honestly, this feels like a huge bait-and-switch. XXXX pushed this XXXX Account very heavily through my XXXX ( before sign-up ), and I don't remember needing any information other than my SSN to sign up ( in addition to my name, address, etc. which I already have on file with XXXX and which I believe was entered automatically ). It seems very shady : ( a ) to not actually have a full/working account upon sign-up, ( b ) to hide this fact until XXXX XXXX ( in my case, weeks later ) when the customer attempts a first withdrawal, and ( c ) to then give the run around ( chat, then told to phone but only during certain weekday business hours -- whereas " opening '' an account seems to be available XXXX/XXXX/365 ). 

At the very least, I should be able to apply my Savings Account balance as a payment to my Apple Credit Card ( which I opened long before the Savings Account ) without going through this verification process. Instead, XXXX XXXX XXXX XXXX me up '' for an account that isn't actually fully mine ( yet ), insofar as I can't access the money in any fashion until I take additional verification steps ( and on XXXX 's XXXX ). 

To be blunt, I'm not sure I would have signed up for the Savings Account in the first place if I had known I was going to have take these additional, not-at-all-quick-or-easy-or-online steps later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
For over 2 years I have and a " hit-or-miss '' ability to access my Paypal account. The purchasing side and the credit side are now both inaccessible. I have a credit balance I want to pay down or pay off, but after I sign in the site just spins and I can't transact anything. On the purchasing side, I can't use pay pal as an option through a vendor site to make a purchase. Again, it just spins. I have called, emailed, and texted and all I get is '' I have never heard of such a thing ''. Then I contacted Synchrony Bank, which backs the credit side, and they said, " It's not their problem ''. Despite many hours of trying to get them to fix the problem, no one listens. I even had a computer programmer come in and be sure my computer wasn't acting up. This is the only site that has this issue for me.

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