vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
This has been an ongoing issue with PayPal credit to the point that this company closed my account for return payments when the entire time the money has been sitting in the PayPal account for synchrony to pull from. I set up payments to be drawn from the main PayPal account and numerous times I get emails that the payment was returned and I am charged late fees. After 2-3 times of this, which each time this has happened I look at my PayPal account and the funds are sitting there untouched, so I set up yet another payment to be drawn from PayPal. For some reason it always goes through the second time. But nonetheless, apparently I am a risk for returned payments that should have never been returned in the first place and my account was closed. Now, for the month of XXXX I had a payment due on XXXX  for {$15.00}. The total balance due is {$130.00}. I have {$140.00} in my PayPal account, which when I set up payment on XX/XX/ I did so for the full amount and the payment source was set for drawing the funds from the main PayPal account. 

I got an email that payment was scheduled and the account it was supposed to be drawn from ( main PayPal ). I get another email that payment was posted. Now, yet again, I received an email that my payment was returned. HOW. I go to my account, PayPal credit is no longer listed on my main page AND the {$140.00} in the PayPal account that was there to cover the {$130.00} is still there.I have endured numerous late fees due to this system they are using. My account was closed due to this when the money is just sitting there. And now its like they are trying to get one more fee out of 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 monetary relief
Consumer complaint received 2024-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have contacted the CFPB on XXXX in regards to the account XXXX XXXX XXXX. I requested an investigation into my consumer report because this account is causing extreme damage to my credit score. XXXX XXXX is the account in question. Now I have provided court documents confirming that I am not responsible for this account and yet you refuse to remove it from my report. This is a direct violation of the FDCPA 15 USC 1692 the burden of proof is on your organization to verify the information that you furnish on a consumer report. The consumer reporting agencies are governed by the FCRA therefore if XXXX has completed an investigation and deleted this account then you also have to remove it as well. I am demanding the immediate removal of this account. Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX XXXX  THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you.

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 2024-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On two separate occasions, I sent proof of incorrect information to XXXX and requested that they remove/ update the incorrect information. The first time was approximately XX/XX/XXXX and the second on approximately XX/XX/XXXX. In both cases they did NOT update or even honor my request, even though by law, they must. Here is the reponse I received by them, via email, on XX/XX/XXXX and then again on XXXX XXXX XXXX  : " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with XXXX for free. 

If you believe that information in your personal credit report is inaccurate or incomplete, please call us at the phone number XXXX, or visit our secure web site to upload your documents at XXXX  '' This is clearly an attempt to thwart my efforts and is not proper. Please let me know the legal remedies I have against XXXX 

Thank you, 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 2024-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
This account was opened closed & reopen. Thats a violation & have late payment history not correct & last reported last active this account is not correct but this account was closed how they reopened it cause there just re-aging the account proof in pdf. There comment of dispute in progress not on file thats a violation & its been over 30 days. PDF for proof. I want proof of this account i dont recognize

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This account was opened closed & reopen. Thats a violation & have late payment history not correct & last reported last active this account is not correct but this account was closed how they reopened it cause there just re-aging the account proof in pdf. There comment of dispute in progress not on file thats a violation & its been over 30 days. PDF for proof

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 2024-01-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Central Holdings, LLC
State: AL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX XXXX per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 00:00:00
Product: Credit reporting 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:
I recently checked my credit report and noticed discrepancies accounts reporting late payments on my credit that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
I recently checked my credit report and noticed discrepancies accounts reporting late payments on my credit that I do not recognize.

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 2024-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XXXX separate occasions, I sent proof of incorrect information to Experian and requested that they remove/ update the incorrect information. The first time was approximately XX/XX/XXXX and the second on approximately XX/XX/XXXX. In both cases they did NOT update or even honor my request, even though by law, they must. Here is the reponse I received by them, via email, on XX/XX/XXXX and then again on XX/XX/XXXX : " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with Experian for free. 

If you believe that information in your personal credit report is inaccurate or incomplete, please call us at the phone number XXXX, or visit our secure web site to upload your documents at www.experian.com/dispute. '' This is clearly an attempt to thwart my efforts and is not proper. Please let me know the legal remedies I have against Experian. 

Thank you, 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 2024-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize

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 2024-01-14 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
I recently checked my credit report and noticed discrepancies accounts reporting late payments on my credit that I do not recognize.

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 2024-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Atlanticus Services Corporation
State: NC

Complaint narrative:
On XX/XX/2023, the IRS accepted the 1099-C for the cancellation of debt owed to Fortiva Retail Credit XXXX And on XX/XX/2023 a 1099-C was received by me from the IRS advising me that the debt has been discharged ( cancelled or forgiven ) and Fortiva is still attempting to collect on the charged off loan. Additionally, payment was sent in full to the indenture trustee XXXX XXXX with XXXX XXXX XXXX XXXX. Though I have not yet heard back from her, according to the UCC, 3-603. TENDER OF PAYMENT. ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. Additionally, federal law says that it's illegal to report transaction history. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER, Per 16 CFR 433.2. 
The account with Fortiva Retail Credit an open-ended credit line and the credit application became a security the moment my signature was obtained. Fortiva Retail Credit and its trust companies and parent companies have committed securities fraud against me for the sale and securitization of the security that I provided them in which I received no valuable consideration for said security and it is still being traded on the secondary market.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hello, My checking and savings accounts with Capital One were first restricted on XX/XX/XXXX. I called Capital One the same day. They informed me my account was restricted due an issue with XXXX payments. They removed the restriction and I was able to use the accounts again. 

XXXX days later on XX/XX/XXXX my accounts were restricted again. After speaking to a representative I was informed Capital One would be " terminating the relationship '' and my accounts would be closed immediately. I was told I would receive a check in the mail with my balance within 1-2 weeks. The total balance of my funds with Capital One is around ~ {$8000.00}. 

On XX/XX/XXXX I received an email from Capital One stating I would receive my balance within " 7-10 business days ''. I have included the email in my complaint. 

On XX/XX/XXXX I called and was informed there is suddenly an ongoing " investigation '' of my account. According to the representative my funds will be held until said " investigation '' is over. The representative was unable to provide a reason for the " investigation '' or a timeline it would be completed by. 

Today is XX/XX/XXXX. I have not received my check or any letter related to this incident. 

I find this extremely frustrating as my balance was fundamentally stolen from me and I have been offered XXXX recourse or even an expected date my money will be returned. 

I am no different than anyone else, I have bills to pay, a stomach to feed. This theft has negatively affected my daily lifestyle and my ability to support myself. 

I believe I have done nothing to warrant an " investigation '' and this gross corporate malfeasance seems like a predatory excuse to retain my funds indefinitely. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
In XX/XX/2022, I applied for an Apple Card Credit Card with Goldman Sachs. 

Once approved, I linked my account with another persons account. Doing this, created an ongoing issue. Ive never been to use the account. The other account holder is the only one who was able to use the account. 

Despite numerous calls to both Apple and Goldman Sachs over 13 months, the issue remains unresolved. I couldnt use the card, add it to my phone via the app, and theres an inaccurate duplicate account report to credit bureaus affecting my credit score. Ive filed several disputes with all three credit bureaus, asserting the inaccuracy of the reported duplicate account. However, their investigations consistently claim the information is accurate, despite the evident error. 

This has resulted in a significant impact on my credit score, and neither Apple nor Goldman Sachs has attempted to resolve the problem in over a year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-14 00:00:00
Product: Credit reporting 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: DC

Complaint narrative:
XXXX XXXX DATE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : DISPUTE OF CREDIT INQUIRIES- XXXX XXXX XXXX  RE : DISPUTE OF PERSONAL INFORMATION - XXXX XXXX XXXX Dear EXPERIAN , This correspondence serves as an official request under Section 1681i of the Fair Credit Reporting Act ( FCRA ), Title 15, U.S. Code , and Section 2701 of the Electronic Communications Privacy Act ( ECPA ) regarding disputes related to credit inquiries made by EXPERIAN on XXXX XXXX XXXX XXXX credit report. We would like to bring to your attention multiple hard and soft inquiries. The USC Code that relates to fraudulent inquiries is Title 15, Chapter 95, Subchapter VI, Section, Section 1681s ( c ) of the Fair Credit Reporting Act, which states that a consumer reporting agency shall not furnish information about to any person if the consumer 's file contains any statement that such person has not furnished the information to the consumer 's knowledge and consent. Additionally, the UCC prohibits any person from knowingly and willfully obtaining or using false or misleading information for any fraudulent purpose. So, in summary, we request you to investigate any suspected fraudulent inquiries made on XXXX XXXX 's credit report and take appropriate action against the parties responsible. Also, ensure that all inaccurate and fraudulent information is removed from his credit report and that appropriate steps are taken to prevent such occurrences in the future. Thank you for your prompt attention to this matter. 

List of EXPERIAN inquiries that needs to be removed : 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 Date of birth XXXX XXXX XXXX XXXX XXXX XXXX PRIVACY LAW OF 1974 States that The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. 
Sincerely, 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 2024-01-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
This new collection account is being collected from a previously removed debt for a balance I do not owe and disputed. I disputed this debt prior to the collection agency reporting it to my credit and requested validation. They did not provide validation and reported it to my credit and only when I disputed with credit bureaus was the dispute honored. I do not owe this debt I have disputed it since being contacted by the original creditor and have maintained XXXX responsibility of the debt since day XXXX. This debt collection continues to try and basically extort the balance by holding my credit hostage with negative credit ratings. This item was removed from my credit previously and should be removed and remain off my credit in a disputed status as I am not responsible for the debt as there was never any exchange of goods or services. This collection agency is also collecting on a debt that is also being handled by an attorney based on the previous agency so the debt is being collected on XXXX  and handled by multiple parties.

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 2024-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XX/XX/, I applied for an XXXX XXXX Credit Card with XXXX XXXX. 

Once approved, I linked my account with another persons account. Doing this, created an ongoing issue. Ive never been to use the account. The other account holder is the only one who was able to use the account. 

Despite numerous calls to both XXXX and XXXX XXXX over XXXX months, the issue remains unresolved. I couldnt use the card, add it to my phone via the app, and theres an inaccurate duplicate account report to credit bureaus affecting my credit score. Ive filed several disputes with all XXXX  credit bureaus, asserting the inaccuracy of the reported duplicate account. However, their investigations consistently claim the information is accurate, despite the evident error. 

This has resulted in a significant impact on my credit score, and neither XXXX nor XXXX XXXX has attempted to resolve the problem in over a year.

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