vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Sterling Infosystems Inc.
State: GA

Complaint narrative:
XXXX  XXXX XXXXVerification2nd submittal This is my 3rd response to this dispute sent to Sterling after I personally contacted XXXX : I just contacted the XXXX XXXX XXXXXXXX, and they also told me they have a record of participating in two classes. I explained what I voiced in my previous email that this organization seems to have lied and was not connected with the XXXX XXXX XXXXXXXX. 
As I statedin my previous email, I attended XXXX classes in XXXX and the organization stated they were affiliated with the XXXX  XXXX XXXX. Now come to find out these documents are bogus. 
The administration stated years ago they had connections in XXXX and the XXXX XXXX but not anymore. I asked what couldbe done they saidfor me to contact XXXX in XXXX. 
When I called the school individualonline statedthe school has changedownershipetc.I 'm out of XXXX USD, plus this bogus Degree.I attended these classes in XXXX  XXXX. Request this item be removed from my background screeningfor the above-mentioned reasons. 
My next action will be to have my lawyer contact your organization to see why the information has not been removed. 
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 explanation
Consumer complaint received 2023-08-15 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: VA

Complaint narrative:
I have the right to make sure that my private information is not shared which is backed by the 15 USC 6801 which states '' it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers nonpublic personal information. ( Furnisher of information to credit agencies ) the financial institution and the consumer reporting agencies Experian, XXXX, and XXXX do not have my consent to furnish this information nor did they have my written consent. Any and all consent from XXXX, XXXX, and Experian ( Furnisher of information to credit agencies ) whether it be verbal, nonverbal, written, implied, or otherwise is invoked. 15 USC 6802 ( b ) ( c ) states " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that non-disclosure option ''. ( Furnisher of information to credit agencies ) never informed me of my right to exercise my nondisclosure option. 15 USC 1681 C ( a ) ( 5 ) states " Except as authorized under subsection ( b ) 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 ''. These accounts are an adverse item they are reporting again without my permission which is against the law.

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 2023-08-15 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: FL

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 
Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX on XX/XX/XXXX Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX XXXX 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 2023-08-15 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: FL

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 
Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX on XX/XX/XXXX Inquiry from XXXX  on XX/XX/XXXX. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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:
Recently I have been given information from a legal service about my consumer rights provided by and through Title 15 USC. Through this code I discovered that the credit bureaus Equifax, XXXX and XXXX ( herein after CRAs have violated several rights and in doing so have publish, sold and used my personal, private and nonpublic information without my authorization or knowledge. 
According to USC 15 1681 Permissible Purpose of Consumer Reports it describes what is allowed in terms of a consumer report. These are clearly covered in ( a ) " General '' and is limited to " ... and no other ''. It list that a consumer report is available via ( 1 ) a court, " subpoena '' and ( 2 ) " in accord with written instructions of the consumer ... '' and " no other '' The remainder of this section is only applicable unless/until the consumer provides " written Instructions '' In other words a CRA needs explicit written instructions from me the consumer before it can use, sell report or in any way create a " credit profile on me the consumer. And they are not allowed to used, sell provide or report my nonpublic information, they have done so and without my authorization. I am demanding the CRAs produce a certified copy of any such consumer " written Instructions '' they allege I the consumer have provided. 
In addition The CRA 's are required to provide me the Consumer with a written opt out option. This has never been provided to me, if the CRAs claim different I demand they produce a certified copy of any such " opt out form ( s ) Nothing in any of this consumer 's credit report or any information listed in any reports files or documents held by any CRA was authorized by me and has been created by a third party and possibly the CRAs and is fraudulently obtained and qualifies as identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was alerted to a hard inquiry on my XXXX credit report by Bank of America. I called BOA to find out an account ( XXXX XXXX XXXXXXXX XXXX ) was opened under my name, under an address I've never lived at ( XXXX XXXX XXXX, XXXX, FL 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 2023-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One unilaterally cancelled my long standing credit card line with them without any notice for non-use during the Covid crisis. I contacted them several times, telling them that if they cancel my credit card, then I did not wish to do any further business with them, and to accordingly remove me from their system. The first time I requested so was about 3 years ago when they cancelled my credit card, then more recently a few months ago. They have still not removed me as a customer despite assurances last time I spoke with a representative. Rather, for example, they continue to send me e-mails requesting my number to opt into text messaging. I do not wish to have any future business with this company anymore, and they will not remove me from their system. It should not be that difficult to request a complete removal of my account/information from their system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: TX

Complaint narrative:
I spent {$110.00} at XXXX on XX/XX/2023 on my Cash App card. Money was in the account and I had gotten a direct deposit from my job as well. I had been using the card all through the month. I took a Cash App advance in XXXX. I did not get to use most of it because Cash App took the money. I inquired as to why and was told that they did not pay XXXX from the XX/XX/XXXX transaction. I was not notified of any discrepancy and per my records that transaction had been paid. I called XXXX they had not put forth any extra transaction and stated that XX/XX/XXXX transaction for the amount {$110.00} only. I sent Cash App a service request and was told that the transaction had not been paid so they took it from my balance. This is untrue. They are charging me for the balance and {$1.00} each week in interest which is usury as Texas has a 10 % limit per annum. I paid {$45.00} on the balance today but I do nog owe them the money. I need assistance with them being held accountable for deception. The statement for XXXX doesnt show the Amounts spent for each transaction so included a screen shot of a text notification from Cash App that I receive per each transaction. 
Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Upstart Holdings, Inc.
State: FL

Complaint narrative:
This account from upstart damage my credit and it doesnt belongs to me account number XXXX this account need to be remove from my consumer file I have attach a copy of my identity theft report below

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
This company is attempted to collect a debt that's not owed to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: IN

Complaint narrative:
The credit bureaus are reporting an account onto my credit report that does not be One to me and I have submitted and identity theft report in the past According to FCRA Im due a proper investigation which provides documentation showing my signature giving permission to gain lines of credit. I would like this account removed from my credit report if proper debt validation isnt completed. This is a violation according to FCRA. 
Should you choose to be negligent in rectifying my aairs, I will initiate monetary arbitration in small claims against XXXX, Experian XXXX XXXX I WILL BE LISTING BELOW FCRA POLICIES THAT ARE BEING VIOLATED : 15 U.S Code 1681c- 2 / 15 U. S Code 1681b- 15 USC 1692 g / 15 USC 1681i / 15 USC 1681e Section 609 of FCRA / FCRA 623 ( b ) ( 1 ) / FCRA 623 ( a ) ( 2 ) / FCRA ( a ) ( 6 ) ( b ) FCRA 616, 617, 621 / FCRA 605B Account : XXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX {$20000.00} XX/XX/2020

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 2023-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: WI

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
In XX/XX/2023 I refinanced my home and reached a written settlement with the Law Firm/Collection Agency for Capital One Bank MasterCard . The account was Settled in Full for {$1300.00}, with the agreement that the account would appear on my credit report with a XXXX ( {$0.00} ) balance, and the account status would be " Paid. '' The Law Firm/Collection Agency for Capital One Bank accepted and deposited my {$1300.00} check from the Title Company , marked as Settlement in Full. However, AFTER the payment was received, Capital One reported my account as " Charged Off '' with a balance of {$450.00}. This report occurred on XX/XX/2023, and this account on my credit report is still showing a " Derogatory '' account status, rather than the promised " Paid '' status, and it is still showing an account balance of {$450.00}, rather than the Settled in Full balance of XXXX ( {$0.00} ). As a result of this " Derogatory '' report and falsely reported " Amount Past Due, '' my credit score has dropped each month it has remained falsely reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: AZ

Complaint narrative:
I've been interacting with XXXX XXXX regarding a closed account. It seems that every time I try to make any calls to XXXX XXXX regarding one of their products, I keep getting transferred to different departments. The calls are very annoying and it has caused some issues with my credit cards and credit score. Recently, it appears that they reported some information to Experian regarding the closed account on my credit card. Apparently, they reported that I had agreed to some sort of lump sum payment- which 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 2023-08-15 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: PA

Complaint narrative:
Dispute letters to correct my personal information were sent on XX/XX/2023, XX/XX/2023, and XX/XX/2023. Each time they claimed a credit repair company sent my dispute letters and would not correct my personal information. 

The letters sent on XXXX and XXXX specifically stated I was not using a credit repair service and that the letters were being sent by me. When I called the rep. today, they told me I needed to alter to them so don't look like they come from a credit repair company. I asked her how am I supposed to this and she said she does not know. She stated it's against FCRA requlation to use a credit repair service which I believe is not true. Even so, I was'nt so I was still upset regardless. 

At this point, I am upset because my claims are not even being recognized due to misconceptions with my dispute letters. They keep telling me to do it online or over the phone but I want to mail them and that should be up to me. I believe I am being unfairly treated.

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 2023-08-15 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XX/XX/23 I called Synchrony Bank ( XXXX ) to inquire as to whether they would close XXXX XXXX XXXX CD accounts and waive any penalties. Note : I closed another CD at another bank and they waived my fees so I called knowing that some banks do this. I spoke with XXXX, who assured me that yes, that could be accomplished. She said they would close both accounts incurring no penalty and move the funds into a " standard '' account. Then I could withdraw them or do as I wish. XXXX, then said XXXX, in the XXXX XXXX would assist in taking it from there. XXXX said they could not honor what XXXX told me and that she probably had was not trained well. I told him, I feel they should honor what I was just told. I told him to listen to the recording as I had XXXX repeat that there would be no penalties, whatsoever. He said his legal department would have a look at this. Then, on XX/XX/23 I got a call from XXXX from Synchrony 's XXXX XXXX. She lied and said XXXX told me there would be penalties. I don't think she listened to the recording ( or just lied ) because I am 100 % sure XXXX NEVER mentioned ANY penalties, I would be responsible for. I actually had XXXX repeat that there would be no penalties ( on the recording ) so that there was clarity in what we had just agreed on. I requested a copy of the recording because I KNOW what was said! XXXX refused. Synchrony should stand by what was agreed to ( on a recording ) and allow me to close my accounts without penalty.

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 2023-08-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Unauthorized hard inquiry ( fraud ) Occurred from XX/XX/XXXX through XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Transactions for Bills or necessities process for several days and then im charged late fees. Transactions that were processed can not be disputed until processed and if the transaction wasn't meant to be transacted my money is not put back in account by bank.

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 2023-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I have been contacted my debt collectors in regards to a Forever 21 credit card that I did not use for the money they are saying I owe. I have tried to contact the company and tell them to cancel the card and they said they would but never did. I am just worried because this is really affecting my credit score.

Company response to consumer: Closed with explanation