vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-26 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: IL

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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 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: AZ

Complaint narrative:
Experian placed negative items on my credit report into which I informed them I didn't authorize them to place these items on my reports and to delete them but Experian credit agency still did not remove 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 explanation
Consumer complaint received 2022-11-25 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX seems to still report a closed account from about 5 years ago at least. The account has been closed for a number of years ( XXXX or XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 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:
In accordance to fair credit reporting act the following accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC168. 
XXXX account # XXXX XXXX XXXX Account # XXXX 15 U.S.C. 1681 section A. states that I have a right to privacy 15U.S.C 1681 section 604A section 2 States a consumer reporting agency can not furnishing account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) secret also States no consumer reporting agency may make any consumer report containing any of the following forms of information. Any adverse item or information other than records of convictions of crimes which antdates the report by more than 7 years.

15 USC 1681s2 a1 A person shall not furnish any information relating to a consumer to any consumer reporting agency if a person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, " XXXX XXXX XXXXXXXX '' and " XXXX XXXX XXXX  XXXX '' has both violated my rights. 

Under the 15 USC 1681 Section 602 ; it states I have the right to privacy.

15 USC 1681 SECTION 604a Section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
My account was transferred from XXXX XXXX XXXX to Goldman Sachs Marcus GM in XX/XX/2022. I had an outstanding balance and on XX/XX/2022 I paid off the balance of {$4800.00} by cashing in a life insurance policy. Goldman Sachs GM sent me an email stating I owed a one time payment of {$46.00} in interest on a cash advance. I asked when was the cash advance and they couldn't tell me. They stated the interest was " floating or transient '' charges. Previous to that they gave me a {$50.00} gift but added it to my regular payment of {$140.00} bringing it up to {$190.00} so they decided the way I was to use the credit. I requested my account and card be closed and it was not honored because I was then charged {$0.00} for a balance of the interest payment due. I paid the {$0.00} on XX/XX/2022 because after speaking with a GS manager we knew that any balance left on my " closed '' account would accrue interest. Now GS sends an email on my closed account " Your My GM Rewards Card statement for XX/XX/XXXX - XX/XX/2022 is now available. This statement includes an important notice to your account terms ''. I am being informed that GS owes me {$0.00} after I was informed to pay or else. I am now being harassed by this fraud bank and I called XXXX to inform them I paid them {$0.00}, cancelled my account and I want nothing to do with them. The customer service person stated she forward the issue up the chain of management that I am refusing to take back {$0.00} in a reversal of what I owed them. This is loop of deceit ran by Goldman Sachs GM where I pay the interest off of unknown charges, they create a scenario by forgiving an interest amount that will keep me owing interest on interest. Please help me. 
.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-25 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:
Transunion is reporting negative information on my reports that I've never gave them permission to place on my reports and and asked them to remove them ; it was XXXX with account # XXXX, and XXXX XXXX XXXX account # 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 2022-11-25 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: TX

Complaint narrative:
I've reached out to equifax and asked them to remove XXXX with account # XXXX, and XXXX XXXX XXXX  with account # XXXX that I did NOT give written permission for them to place on my equifax reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Ive had my account with Kohls for 12 years. Never a late paymentand I always used it. last payment was made XXXX XXXX it was closed XX/XX/XXXX XXXX the last 4 times i have shopped there the store associate would say my card didnt work. I didnt have time to call but today i did as i was blck shopping for XXXX and spent XXXX. When i called they said my account was closed by the credit bureau. I have never heard of that and they refused to reistate my account. Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-25 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: PA

Complaint narrative:
The credit bureaus stated my account # XXXX was properly investigation but how is that possible if the account is inaccurate. I had called XXXX that is the number to the us department of education. I had spoken to a representative & she had ensured me that the student loan for this account was cancelled/refunded back to the department of education back in 2015. She also ensured that this student loan does not exist & shouldn't be reporting on my credit report. she told me i had dispute it with the credit bureaus. This account is negatively impacting my credit score and with me trying to obtain a house. This is ground for removal they also violated my rights under.

15 USC 1681 section 602 A : Sates I have the right to privacy.

15 USC 1618 section 604 A section 2 : It's also states a consumer reporting agency can not furnish a account without my written instruction

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 2022-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2022-11-25 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: CA

Complaint narrative:
I setup a trust account at XXXX Bank of America. Worked with XXXX XXXX XXXX. 
I also setup an account at XXXX  XXXX  to redeem XXXX XXXX bonds because B of A would not cash them for me as a deposit to my account. I created a conversion account at XXXX  XXXX, entered the bond info, created a manifest and mailed the bonds to XXXX. 
XXXX  XXXX sent me an email that there was a problem with data at the bank and to contact them. I talked to the XXXX broker and the bank manager to no avail. 
I spent XXXX XXXX hours waiting to talk to the XXXX  XXXX person. I provided ID, security question answers, account number and ACH routing number. She told me that the routing number was the problem and that she gets these calls every day and they always involve B of A. Bank manager says there is only one routing number and it can't be the bank 's problem. Someone has to take responsibility and get me the money, please.

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 2022-11-25 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: IL

Complaint narrative:
on my credit report with Experian, XXXX, and XXXX, my XXXX payment is recorded as being late, my payments are due on the XXXX of each month, my XX/XX/XXXX payment was received by XXXX XXXX, on XXXX XXXX, clearly not 30 days late, i sent letters to the three cedit bureaus, by certified mail threw the postal service.i sent each one a copy of the XXXX XXXX payment, and the receipt from the XXXX exchange where i purchased it, i have copies of everything, and they still refuse to remove the late payment for XXXX, from my credit reports, my payment was {$380.00}, a month, on the XXXX of each month

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 2022-11-25 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: Self Financial Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, " Self Lender, INC '' and " XXXX XXXXXXXX XXXX XXXX '' has both violated my rights. 

Under the 15 USC 1681 Section 602 ; it states I have the right to privacy.

15 USC 1681 SECTION 604a Section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 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: NH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX, XXXX XXXX  : XXXX, XXXX  XXXX  : 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

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 2022-11-25 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: American Finance LLC
State: DE

Complaint narrative:
On XXXX day of XX/XX/XXXX, an agreement was reached between XXXX XXXX XXXX and XXXX XXXX XXXX who unlawfully assigned rights to a third-party agency name American Finance the property description of a XXXX XXXX XXXX which is indeed used for personal, family, and household usage. After exercising my right to cease and desist American Finance via phone call, they broke the violation and continued to email me using excessive documentation trafficking and threatening to seize my property if a payment on a positive balance not made in the amount of {$180.00} and {$170.00} due today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 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: NC

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. Account Name : XXXX XXXX  XXXX, Account Number # 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 reporting agency if the person knows or has reasonable cause to believe that the information inaccurate. I filed a dispute with Equifax Credit Bureau for the inaccurate delinquency reporting and status of this account, further Equifax Credit Bureau solutions has failed to also verify this account with the original signed contract with my signature date and name. They have not verified so it should be deleted immediately in accordance with the Fair credit reporting laws. These failures and noncompliance with the Fair Credit Reporting Act have caused me to be denied for credit due to the negative reporting history from this which was paid as agreed and was to be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 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: KY

Complaint narrative:
I'm requesting a reinvestigation of the accounts listed below because the information is not accurate. These accounts are inaccurate because they are closed, but showing open every month. In Accordance With ( IAW ) the Fair Credit Reporting Act I am disputing the accuracy of my these account. The accounts listed below have been deleted from my XXXX XXXX XXXX Account : XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX. I want them deleted from my Equifax and XXXX XXXX XXXX as well because I know that All of my Credit Reports are suppose to be identical, they are Inaccurate, and it has damaged my credit. IAW 15 U.S. Code 1681i - Procedure in case of disputed accuracy, ( D ) Automated Reinvestigation System ; Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies. IAW the Fair Credit Reporting Act, these accounts are in violation of my rights, and I need them removed from my credit reports as they should have been via the Automated Reinvestigation System to All of the credit bureaus upon deletion from my XXXX Credit Report. 15 U.S.C. 1681 Section 602 A. States that I have the right to privacy. 15 U.S.C. 1681s2 ( 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. All of the accounts listed above are inaccurate on my Credit Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: SD

Complaint narrative:
XXXX XXXX Did Negligent work and overcharged me by XXXX times to install a new Starter. They left Bolts Loose / Untightened on the Motor Heads.

Bolts which should have ever been touched on the starter Job. 
Then they Overcharged me. Which They lowered 30 %. From over {$1000.00} down to {$700.00}. The stop payment was not honored because the bank failed to see and or correct the Number of the Check. So now little and Old me is OUT {$700.00} which the Auto Business should could and would paid for. And The Bank Becomes as guilty as the Auto Business is guilty of fraud and theft. And Price Gouging. So the bank and the business both practiced fraud against me. And because Of my Eviction the case is now Closed. That is some everyday real normal XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC
State: TN

Complaint narrative:
Was affected by XXXX  XXXX and lost my employment XXXX  times because of XXXX. I have been talking to my mortgage company and submitted the requested documents by email for mortgage assistance or a forbearance a lot of times. I was told Tuesday XXXX XXXX, 2022 by XXXX customer service they did see my documents and they were just sitting. I emailed my paystubs and bank information they would stop the foreclosure. Spoke with XXXX customer service asked if she saw my information she said yes. Told her I was told by XXXX the foreclosure would be stopped. Spoke with Manager Loss Mitigation XXXX  she told me documents were not in 37 days before sale date. I told XXXX my documents were emailed before the 37 days she held the phone and finally said she could not help me. They are unwilling to help me save my home and they refuse to help the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 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:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX 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

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 2022-11-25 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:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX 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

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