vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Pursuant to 15 USC ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a report in correspondence with the written instruction of the consumer. I never gave XXXX, XXXX and Experian written consent. No consent is identity theft. Pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon fair and accurate consumer reports by allowing these inquiries to remain on my report. I am losing confidence in the banking system if these unauthorized items are not removed I will no longer to do business with you. There was some fraud on my report and therere a bunch of inquiries that need to be removed and Im looking to purchase however these are fraudulent inquiries and accounts that hurts my credit score.

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 2023-03-02 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:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  ; XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 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 of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.SC 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 resonable cause to believe that the information is inaccurate. ( Marked as derogatory when it was paid to date and closed without debt ) Change or delete Thank you for your time.

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 2023-03-02 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: NY

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the late payment account on my XXXX XXXX XXXX XXXX account ( XXXX ) and the inquiries made by XXXX on XX/XX/XXXX and XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX. 

I am deeply concerned about the negative impact these items may have on my credit score and financial reputation. As a responsible consumer, I have always made timely payments on all of my accounts, and it is distressing to see these discrepancies on my credit report. 

I would like to request a thorough investigation of these items and request their removal from my credit report if found to be inaccurate or unverifiable. I believe that the law requires the information on my credit report to be accurate and complete, and any errors or discrepancies must be corrected. 

Furthermore, I would like to remind you that the Fair Credit Reporting Act ( FCRA ) protects consumers from inaccurate information on their credit reports. The FCRA requires credit reporting agencies to investigate disputes within 30 days and remove any inaccuracies. Failure to comply with these regulations could result in legal action against your agency. 

I appreciate your attention to this matter and look forward to a prompt resolution. Please do not hesitate to contact me if you require any additional information or clarification. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Re : XXXX  XXXX Restuarant week promotion sponsored by Mastercard from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX The complaint is in regards to a promotion that was sponsored and advertised by Mastercard on XXXX Government and various other websites. 
https : XXXXweek Special promotion for Mastercard holders XXXX get {$10.00} back when you spend {$45.00} or more in a single transaction during XXXX Restaurant Week. To participate, enroll any eligible Mastercard to receive a {$10.00} statement credit. Takeout and delivery are not eligible for the promotion. 

ALL the requirements have been met and I have yet to receive my {$10.00} credit I have tried calling numerous times as well as spoken to Barclays ( the servicing Bank ) and Priceless multiple times to no avail. 

None of the agents knew what I was talking about in regards to any promotion ( 14 documented calls ). 

So, one of two things occurred : - The advertising on the various websites is fraudulent OR - Mastercard is not honoring ( or is even aware ) of the promotion which is very concerning and could be potentially widespread impacting numerous consumers.

Getting this issue resolved or even having Mastercard actually know about the promotion has been extremely frustrating to say the least!! 

I was provided a complaint # XXXX and and to date have not received a response. 

Followed up with an e-mail to XXXX ( as provided by the promo offer ) on XX/XX/ and have not received a response from Mastercard or Priceless.

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 2023-03-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCF Intermediate Holdings LLC
State: MI

Complaint narrative:
Collections agency called XXXX in XXXX ( XXXX, XXXX XXXX XXXX ) Account was paid in total of XXXX on XX/XX/XXXX on XXXX XXXX XXXX  Was called about debt in XX/XX/XXXX from XXXX XXXX and XXXX about this debt again, told them that I already paid this debt Checksmart has no record of this debt at the location nor at the corporate level- I have not received a written letter about this debt or email, no verification. ' Told XXXX about this and they became rude and hung up the phone on me and didnt call me back, then added this debt to my credit report - what a sham!!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: TX

Complaint narrative:
Pursuant to 15 USC ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a report in correspondence with the written instruction of the consumer. I never gave XXXX, TransUnion and XXXX written consent. No consent is identity theft. Pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon fair and accurate consumer reports by allowing these inquiries to remain on my report. I am losing confidence in the banking system if these unauthorized items are not removed I will no longer to do business with you. There was some fraud on my report and therere a bunch of inquiries that need to be removed and Im looking to purchase however these are fraudulent inquiries and accounts that hurts my credit score.

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 2023-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Velocity Portfolio Group
State: GA

Complaint narrative:
A family friend opened a Credit Card account without my permission. And I didn't know of the account until I received a letter in the Mail stating that I owe {$970.00}. I don't even have a Job so why would I apply for a Credit Card when I know I wouldn't be able to pay it back. The account was opened without my knowledge of it and I tried to explain that to the company but they rejected my dispute and still trying to collect money that I don't owe them cause I didn't create the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
It started when i got XXXX for the FIRST time in the middle to end of XXXX. I was out of work for a month, and i could not leave the house. Fortunately, i had enough saved up to make all my payments on time. I returned to work and because of COVID 19, my company cut my pay 20 %. Then after a month of working at less salary then i was used to, i unforunately caught XXXX AGAIN. This time i was out of work for another month, both because i was sick and as precaution. This time i could NOT afford to pay all my bills when i was out. I fell behind on a lot of things but i was able to eventually catch up 5 months later and i have been on time and going strong ever since. I even got my original pay back. I was physically unable to pay on time and because of that, financially unable to do so too. I reached out to TD Bank, who owns the Target Card, and tried to beg with them to work with me, not on late payments, i paid them ALL OF THOSE, but on their credit reporting. They not only refused, they didnt even answer me. Those late pays in those months have destroyed my credit and even though i make good money now, i can not get into a house for me and my, now, 4 kids. We have been renting and are struggling all because of COVID and this company 's unwillingness to work with me even a little bit. I am not asking for " financial relief '', they can keep those late payments as good faith, i just am begging for all, or ANY, of the late payments between XXXX XXXX and XXXX of XXXX to be removed. I know the bureaus will report what they are told so this is up to TD Bank and they seem to just not care at all about customers or the family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
AccountS Frozen ; keep being told will close, no reasons stated, no questions answered. Frozen XX/XX/23 nothing has been done. Supervisors don't get back to me. 5hours invested with no answers. 

XX/XX/23Account locked, XX/XX/XXXXVerified acc. was told account was ok, funds pullback had to be completed, call back XX/XX/XXXX to unlock. XX/XX/XXXX told acc would be closed, no explanation, would mail check 7-10 days. XX/XX/XXXX nothing done went through process of closing acc. would be expedited and no penalties, told to call back on status 2 days. XX/XX/XXXX accountS still open nothing done. Someone will get back to me within 2 days with explanation. Some type of fraud investigation? No explanations, refused to answer any questions. 

I want my money back with interest and no penalties on CD 's

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CHARLES SCHWAB CORPORATION, THE
State: MD

Complaint narrative:
On XX/XX/XXXX, I attempted to make an ATM withdrawal from a XXXX XXXX ATM in Terminal 2 of the XXXX XXXX, XXXX XXXX XXXX. After inserting my Charles Schwab Debit Card into the ATM, I entered my PIN and then entered the amount {$11000.00} Mexican Pesos to be withdrawn. After this screen, the ATM indicated the exchange rate and ATM fee that I would incur and I was asked whether I agreed to this amount. At that moment I declined the transaction as I did not agree to the exchange rate being provided. The ATM cancelled the transaction and it returned my card to me. Upon returning from my trip in the first few days of XX/XX/XXXX I realized that this transaction had not been cancelled and my account had been debited {$570.00} USD as if the ATM withdrawal had been completed. I called Charles Schwab at that moment and they opened an investigation and provided me with a temporary credit which the investigation was carried out. On XX/XX/XXXX I received a letter informing me that XXXX had concluded their investigation and came to the conclusion that this withdrawal was made at their ATM. Due to these findings, Charles Schwab reversed the temporary credit I had been given. I then called Charles Schwab to dispute these findings as I did not make this withdrawal and wished that they take additional actions to dispute this claim. Charles Schwab indicated that they had done what they can and that my request to ask for video footage from the ATM can not be honored as VISA does not allow this type of request. I then contacted XXXX to request this video and was told that they can only authorize this type of request to my bank. I relayed this message to Charles Schwab and was once again told there was nothing more they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: FL

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

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 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 2023-03-02 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: NJ

Complaint narrative:
On two separate occasions, XX/XX/XXXX and XX/XX/XXXX the company XXXX XXXX ran my credit in order to process financing options for the purchase of a car. 

In each instance, they guaranteed that this process would show up as one hard inquiry per " processing '' ( once on XX/XX/XXXX and once on XX/XX/XXXX ). Now, XXXX and Experian both show 3-5 hard inquiries per time, negatively impacting the " Hard Inquiries '' section of my report and thus my score.

I have reported this to Autolenders and they stood by that it " should '' only show one hard inquiry per, and send verbiage directly from Experian 's FAQs section assuring the same. Despite that, I show as having 10+ hard inquiries on my report due to this. 

XXXX shows 5 hard inquiries on XX/XX/XXXX : XXXX ( Finance ) XXXX XXXX XXXX  ( Bank ) XXXX XXXX ( Finance ) XXXX XXXX XXXX ( Bank ) XXXX XXXXXXXX XXXX XXXX ( Finance ) 5 hard inquiries on XX/XX/XXXXXXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Bank ) XXXX XXXXXXXX ( Bank ) XXXX XXXX XXXX XXXX ( Finance ) WXXXX  ( Finance ) Experian shows 5 hard inquiries on XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 hard inquiries on 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 explanation
Consumer complaint received 2023-03-02 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: AES/PHEAA
State: AR

Complaint narrative:
XXXX Date XX/XX/XXXX Fed loan servicing, amount XXXX XXXX.Fed loan servicing account XXXX Date XX/XX/XXXX amount XXXX, Fed loan servicing XXXX XX/XX/XXXX paid, XXXX XXXX XXXX date XX/XX/XXXX, XXXX XXXXXXXX XXXX date XX/XX/XXXX, XXXX date XX/XX/XXXXXXXX XXXX date XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX date XX/XX/XXXX XX/XX/XXXX, XXXX date XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX I have so many. Wrong names XXXX XXXX XXXX XXXX XXXX, Dept of EdXXXX XXXX XXXX XXXX Date XX/XX/XXXX amount paid.Fedloan servicing # XXXX XXXXXXXX XXXX XXXX XXXX # XXXX Date XX/XX/XXXX, XXXX XXXX, XXXX  residentia via Partners credit verification febdenstiny, XXXX  of central via XXXX of centralXXXX XXXX XXXX XXXX interactive in. 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 These are the dates requested XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
Credit Corp Solutions violated The Florida Consumer Collection Practice Act by failing to provide meaningful disclosure by not notifying me within 30 days of assignment to collect debt commenced as well as engaged in harassment communications, and threatening communications. In addition, Credit Corp Solutions & XXXX XXXX XXXX, P.A XXXX XXXX XXXX, XXXX XXXX, Florida XXXX, XXXX XXXX Attorney for the Plaintiff XXXX XXXX XXXX, initiated a Small Claims lawsuit ; in The County Court and For XXXX XXXX FL, Case No. XXXX. by using " Sneaky and Deceitful Conduct, unscrupulous practices, overreaching, concealment, trickery and other unconscientious conduct which would be condemned by honest and reasonable people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX/XXXX  ; XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 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 of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.SC 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 resonable cause to believe that the information is inaccurate. ( Marked as derogatory when it was paid to date and closed without debt ) Change or delete Thank you for your time.

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 2023-03-02 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX ; XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 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 of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.SC 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 resonable cause to believe that the information is inaccurate. ( Marked as derogatory when it was paid to date and closed without debt ) Change or delete Thank you for your time.

Company response to consumer: Closed with explanation