vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-08 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: UPGRADE, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I was made aware that my account with upgrade was 251 days past due. I contacted updated via phone and email, this was the response : We apologize for the confusion. Our records show one of our team members in the back office had just made a note on the account because it showed up on a report. They Corrected the issue and now the account is showing 6 days past due. 

On XX/XX/XXXX, an alert from the credit bureau stated that my credit report shows me being 293 days past due for the same company. After calling them several times and talking to multiple people over the phone and via email, they have stated to me that this resulted from failure of paying late fees. I was not made aware of any late fees directly from this company at any point of time. 

On XX/XX/XXXX, I called and spoke to a supervisor regarding why the credit dispute was declined. They told me that the credit agency declined it and that I would have to speak to them regarding my credit report getting fixed or updated. The upgrade company has submitted for a correction via mailed form. My payment history was broken down from XX/XX/XXXX to current and it shows that I was never late.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-08 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
In accordance with " The Fair Credit Reporting Act XXXX  '', Wells Fargo Dealer Services on XX/XX/2021, has violated my rights by way hard inquiry on my credit report. 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.

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 2023-04-08 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/2022 I purchased a spa cover from XXXX XXXX XXXX XXXX XXXX XXXX out of XXXX Florida. Over a span of several months I was finally able to get in touch with them in XXXX when the product had never arrived. They claimed the product even though advertised as fast shipment would now deliver in XXXX of the following year due to a shortage in foam. We demanded a refund and they claimed they refunded us on XX/XX/XXXX. We never received a refund for this item. We then reached out to synchrony through paypal in which we used to make the purchase and started a dispute. Synchrony has acted fraudulent on this matter. Over a period of several months Synchrony has claimed the shipper provided them documentation that the spa cover was delivered and that we signed. This never happened. I have tried multiple attempts and calls to Scyrony to keep fighting this matter and synchrony sent out a letter of what they claimed was proof that I requested of the delivery. The XXXX they sent me was completely blank. I have reached out on more attempts to get this documentation and they keep closing. Here is the catch... This company is being sued by Florida Attorney General for being fraudulent and stealing over XXXX from people and claiming they delivered their spa covers. Florida Attorney General started this lawsuit on XXXX of XXXX YET Synchrony STILL will not work with us on getting our money back and STILL has only sent us a blank XXXX no matter how many times I call or reach out on my dispute. They have now cut off communication with us on our dispute. We have been fighting and fighting to have XXXX $ refunded to our account for this fraudulent service and synchrony is not willing to help us. At this time " XXXX XXXX XXXX XXXX has been shut down due to their fraudulent activity. Please Please help us. We have an expensive spa without a cover and nothing can be done until we get our money back. XXXX XXXX , is the defendant being sued by XXXX XXXX of the Florida Attorney Generals office. Many Many other people have gone through the same issue as us and have made multiple attempts to reach out to which got this process started from Florida Attorney General yet none of us still don't have our refund and the company is shut down. On attachment below please ignore my message stating credit card number had changed. The account is all linked together and that doesn't matter. I wasn't thinking when sending that to customer.

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 2023-04-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
After reviewing my credit report my personal seems to be compromised and I noticed inquiries from XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX DO NOT belong to me and XXXX have not received services nor goods from these providers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 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: FL

Complaint narrative:
After reviewing my credit report my personal seems to be compromised and I noticed inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX DO NOT belong to me and I have not received services nor goods from these providers.

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 2023-04-08 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:
These accounts and inquiries were open fraudulently and do not belong to me and need to be deleted asap under the law. 

XXXX XXXX XXXX  Account Number XXXX Condition Open Responsibility Individual Current Balance {$22000.00} Original Balance {$25000.00} Limit $ 0 Monthly Payment {$530.00} Inquiries : TransUnion XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX : XXXX XXXX XXXX XXXX XXXX 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 2023-04-08 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: CITIBANK, N.A.
State: GA

Complaint narrative:
Citibank XXXX employees in their XXXX Department has racially profiled me because I am a XXXX woman! Citibank declared me Deceased unlawfully because I am alive! Citibank stated that Impersonating a Deceased Relative! Citibank has falsified my account records! I applied for my card using my name, date of birth, social security number, address, and cellphone number! I am not impersonating anyone! I am XXXX XXXX! Citibank sent Police to my home based on my Race and to have me killed by the Police to justify their XXXX lies that I am deceased! Citibank ongoing harassment is based on my Race and gender as an XXXX American woman! Citibank has discriminated against because of my Race! Citibank made false accusations against me. Citibank is still harassing me! Citibank closed my credit card account based on my Race and because I was shopping while being XXXX! Citibank has caused me tremendous financial damage by their XXXX profiling and discrimination based on my Race and gender! Citibank has falsified my account notes to cover up their ongoing business practices of targeting XXXX customers and causing XXXX customers financial harm! The latest racially motivated discrimination incident on XX/XX/2023 by Citibank against me is that they sent fraudulent documents to XXXX stating, XXXX XXXX is deceased and that all my credit was obtained because Im impersonating XXXX XXXX a deceased relative. I am not deceased! I am XXXX XXXX. This is racism at the highest levels! Only a XXXX XXXX can declare me as being dead! Not Citbank! Citibank has refused to reissue me a working credit card because I am a XXXX customer! Citibank is destroying my credit and continues to discriminate against me and still refuses to stop their ongoing harassment and abuse towards me because I am a XXXX American woman! There is a call made on Saturday XX/XX/XXXX in which Citibank CSR stated that Account was opened by impersonating a deceased relative! Thats a blatant lie! I am XXXX XXXX I applied using my name, date of birth, address, social security number and cell number! Citibank stating I am deceased is their racism and their decision to sent Police to my home in false accusations was to have the Police to kill me because of my Race as a XXXX American woman!

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 2023-04-08 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: AZ

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2023-04-08 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: FL

Complaint narrative:
Hello, My name is XXXX XXXX XXXX. I reside at XXXX XXXX XXXX XXXX XXXX, Fl XXXX in XXXX XXXX XXXX I am writing this complaint because Transunion, LLC., has violated many consumer protection laws including preparing and reselling inaccurate information. Transunion, LLC., does not have permissible purpose from either XXXX XXXX XXXX XXXX the Consumer in which this Consumer Report relates, nor has a court issued an order to furnish such inaccurate information. Furthermore, as of XX/XX/XXXX, it took Transunion, LLC., 33 days to conduct a reinvestigation. Which is outside of the 30 days allowed to conduct a reasonable reinvestigation pursuant to 15 U.S.C 1681i ( a ) ( 1 ) ( A )., This was previously disputed with Transunion, LLC., therefore, Transunion , LLC. , needed to conduct a reinvestigation upon Notice by XXXX XXXX XXXX XXXX This information was not verified by the end of XX/XX/XXXX, which would have been the end of the 30 day period allowed since Transunion, LLC., received notice of this dispute on 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 2023-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I submitted my dispute on XX/XX/2023, and the credit bureau have not responded to 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 non-monetary relief
Consumer complaint received 2023-04-08 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: TN

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-04-08 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: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
In accordance with " The Fair Credit Reporting Act XXXX  '', Americredit Financial on XX/XX/2021, has violated my rights by way hard inquiry on my credit report. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 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: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
In accordance with " The Fair Credit Reporting Act XXXX XXXX', Santander Consumer USA on XX/XX/2021, has violated my rights by way hard inquiry on my credit report. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 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: American Reporting Company
State: PA

Complaint narrative:
In accordance with " The Fair Credit Reporting Act Convergent '', American Reporting Company on XX/XX/2022, has violated my rights by way hard inquiry on my credit report. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 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:
These accounts and inquiries were open fraudulently and do not belong to me and need to be deleted asap under the law. 

XXXX XXXX XXXX  Account Number XXXX Condition Open Responsibility Individual Current Balance {$22000.00} Original Balance {$25000.00} Limit $ 0 Monthly Payment {$530.00} Inquiries : XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX : XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 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:
These accounts and inquiries were open fraudulently and do not belong to me and need to be deleted asap under the law. 

XXXX XXXX XXXX Account Number XXXX Condition Open Responsibility Individual Current Balance {$22000.00} Original Balance {$25000.00} Limit XXXX XXXX  Monthly Payment {$530.00} Inquiries : XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 Experian : XXXX XXXX XXXX XXXX XXXX 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 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Found multiple inaccuracies on my credit report. 


XXXX XXXX XXXX Account XXXX XXXX XXXX Date- XX/XX/2020 If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.

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 2023-04-08 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: CA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two 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  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 2023-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: DOLLAR MUTUAL BANCORP
State: PA

Complaint narrative:
XXXX XXXX has a Free Checking Account ending XXXX. This account was opened on XX/XX/2022. On XX/XX/2022, he deposited a check into the account, in the amount of {$4500.00}. He also made a withdrawal in the amount of {$120.00}. Prior to the check being deposited ; his account balance was {$1.00}. After the deposit of the check his account balance had been {$4400.00}. The following day he made a debit card transaction in the amount of {$2500.00}. The transaction was with XXXX XXXX XXXXXXXX on XX/XX/2022. XXXX XXXX XXXXXXXX approved the withdraw and the plaintiff has never withdrawn any money from gambling account bankroll with XXXX XXXX XXXX XXXX. After this transaction had been processed the remaining balance left from the deposited check was {$11000.00}. Afterwards he attempted took withdraw more money and learned that restrictions had been applied to his account preventing his from processing any more withdraws. Additionally, he learned that the check had been returned to sender rather than allowing the remaining balance from the check in the amount of {$1100.00} be received and made payable to him therefore the sender XXXX XXXX discrepancies with the accountholder would be with merit therefore resulting into liability of the accountholder. However, the account holder should not bear any responsibility nor liability of the funds of the check wherein the only monetary value in which he actually received had been a withdraw in the amount of {$120.00}. The plaintiff needed the entire amount of the check, or it was useless to be used in the way it had been as the {$2500.00} deposit into XXXX had stayed with XXXX. Finally, Dollar Bank has valued the account holders free checking account at a negative balance of {$2600.00} with additions too late fees. Since this issue hasn't been resolved thus caused closure of the account. Either the remaining balance of the check should be made payable to the account holder XXXX XXXX or the entire check amount of {$4500.00} minus the {$120.00} withdraw equaling {$1400.00} should be made payable to XXXX XXXX. As the check had been expired when accepted by Dollar Bank and negligently deposited into the account holder 's free checking account the account holder should either receive the whole check or no check at all. No regulations allow a portion of a check made payable to an account holder to be seized when the issues of the check had been brought to the attention of the bank before depositing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have found multiple charge-offs on my account to be inaccurate and a hindrance to my credit report. 

XXXXXXXX XXXX Account XXXX XXXX Multiple innacuracies were found between all bureaus. 
If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.

Company response to consumer: Closed with explanation