vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-30 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
As of XX/XX/22, Synchrony Bank Paypal Credit Card and Mastercard are reporting 60-89 days late. In accordance with the Fair Credit Reporting Act this creditor ( Synchrony Bank PayPal Credit/Mastercard ) has violated my rights under 15 USC 1681 Section 602, which stats I have the right to privacy. 15 USC 1681 Section 604a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 Section b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Both accounts have been closed.

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 2022-10-30 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: NY

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On these dates listed below I had unauthorized credit inquiries from the following companies on the following dates XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX CO XX/XX/22 XXXX XXXX XXXX  XXXX/XXXX/22 XXXX XXXX XXXX/XXXX/22 XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXX XXXX/XXXX/22 XXXX XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22 XXXX XXXX  BANK XX/XX/22 XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXX XXXX XX/XX/22 XXXX  BANK XXXX XXXX XXXXXX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXXXX/XX/22 XXXX XXXX22 XXXX XXXX XXXX XXXX/22

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 2022-10-30 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: CA

Complaint narrative:
On these dates listed below I had unauthorized credit inquiries from the following companies on the following dates XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX CO XX/XX/22 XXXX XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22 XXXX XXXX BANK XX/XX/22 XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXXL SERVICES XX/XX/22 XXXX BANK XXXX XXXX  XX/XX/22 XXXX XXXX  XX/XX/22 XXXX XXXX XXXX XX/XX/22 XXXX XX/XX/22 XXXX  XXXX BANK XX/XX/22

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
An entry on my credit report shows a collection account from Credit Systems Intl for their client XXXX XXXX XXXX XXXX Texas regarding a bill of {$360.00} that was supposedly from 2017. Any billing as such should have been paid by my insurance if they even billed it. I sent a dispute at least 2 months and ever received a response at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 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: LA

Complaint narrative:
I recently wrote to Transunion via certified mail, disputing information that I did not recognize and or find to be accurate on my credit report. The letters I wrote to them were left with an agent of the company per USPS tracking. Afterwards, more than 60 days later, did not receive any indication from Transunion that the disputed information was under investigation, nor did I receive any investigation results. I gave them plenty of time to get back to me. I do not believe a proper investigation took place for the following items : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also, I am concerned that my right to privacy is being violated. I have no idea how these companies obtained my personal and nonpublic information such as my social security number to be able to furnish the information that they are reporting. I have requested documents from the companies above, and to this day, I have never witnessed any physical documentation baring my signature, nor did I receive any clear and conspicuous disclosures that were allegedly signed by me consenting to opt into reporting, which I have requested. I just want to make sure everyone is following the law and that you, the supervising body of the Credit Reporting Agencies, are helping to ensure that my right to privacy is being respected, as well my right to fairness and accuracy. I am requesting that the accounts be deleted due to these matters. I do not consent to E-Oscar.

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 2022-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FULTON FINANCIAL CORPORATION
State: PA

Complaint narrative:
Someone hacked my account and deposited ficticious checks via mobile deposit. They then were able to access my accountvand transfer the money to XXXX  and XXXX  it an outside account with bitcoin. And of course i got the blame for identity theft. They have scared my name on the XXXX I have a police report in this matter from another bank where the same thing happend except this time it went through XXXX XXXX  Someone got all my passwords and logins for everything. Now i need to clear my name. Would like this negative info removed from 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 2022-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
LexisNexis is reporting a XXXX account on my report that has been paid and is reporting it as not paid. They are also reporting two tax liens that have been paid and they are reporting it as not paid. This needs to be removed asap. I have included the documents that show it has been paid. The court also does not provide this information to them. 

Amount : {$5600.00} File Date : XX/XX/XXXX Judgment Type : SMALL CLAIMS JUDGMENT XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, GA Filing # : XXXX Date Last Seen : XX/XX/XXXX Filing Book : N/A Release/Satisfied N/A Date : File Date : XXXX Type : Amount {$14000.00} XX/XX/XXXX FEDERAL TAX XXXX XXXX XXXX SUPERIOR COURT XXXX XXXX XXXX XXXX XXXX GA Filing # : XXXX Date XXXX Seen : XX/XX/XXXX Filing Book : XXXX Release/Satisfied Date : N/A Filing Page : XXXX File Date : XXXX Type : Amount {$330000.00} XX/XX/XXXX FEDERAL TAX XXXX XXXX XXXX SUPERIOR COURT XXXX XXXX : XXXX, GA XXXX XXXX XXXX XXXX Date Last Seen XXXX XX/XX/XXXX XXXX Book : XXXX Release/Satisfied Date : N/A Filing Page : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
There are two unauthorized inquiries done on the same days one from comenitycapitol/XXXX & & XXXX  Ive never even applied for any credit cards when I looked on my credit report it couldnt even provide information on the companies. When I tried disputing it the results came back fast to as if they didnt even check it because both of these were not done by me, nor did I apply for anything

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Its been 30 days I havent received any help have tried to contact a variety of ways if the CFPB can not help me I will have to contact the attorney general or someone of higher ranking I put a dispute in last time and it never showed up even when I got a confirmation number. As for Equifax I need them to merge my files XXXX must have created another file instead of posting the line on my existing file. I need it reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been requesting information from XXXX XXXX be removed from my report. They removed 2 accounts from my credit due to not be able to verify them, but they recently added them back which is illegal. Once something is removed you can not add it back. They did this on my XXXX report between XXXX and now. For account beginning XXXX, on my XXXX it shows the account was opened on XX/XX/XXXX and show date of last activity as XX/XX/XXXX and the original creditor as XXXX XXXX  and on my XXXX, it shows Date opened as XX/XX/XXXX, date of last activity XX/XX/XXXX. This is definitely not my account and is blantantly obvious that it is inaccurate. How can an account be opened on XX/XX/XXXX with the date of last activity showing as XX/XX/XXXX. I submitted a previous dispute with XXXX XXXX due to the fact that this was not an account of mine and because XXXX  has not been accurately reporting my accounts and updating my report. On my experian report this same account is showing date opened as XX/XX/XXXX and date of last activity as XX/XX/XXXX. I ask that they verify and validate this account by providing an original contract with my handwritten signature. The next account with XXXX begins XXXX. On my XXXX report it shows date opened as XX/XX/XXXX and date of last activity as XX/XX/XXXX. For experian this same account shows date opened as XX/XX/XXXX and date of last activity as XX/XX/XXXX. The same account shows on Experian with a date opened on XX/XX/XXXX, date of last activity XX/XX/XXXX. You can not have a date of last activity that comes before the date the account was supposedly opened. This company has been purposely padding my reports with incorrect information. The more I dispute the inaccuracies, the more they pad my reports with fraudulent activity. The next account begins with XXXX with XXXX. On my XXXX it shows the account was opened on XX/XX/XXXX, date of last activity XX/XX/XXXX, on Experian it shows date opened XXXX and date of last activity XX/XX/XXXX and for XXXX it shows date opened as XX/XX/XXXX, date of last activity as XX/XX/XXXX. This is not my account as I have stated in every single dispute. This should show that they are inaccurately adding information to my report. The next account begins with XXXX on my XXXX report that shows date opened as XX/XX/XXXX and last activity as XX/XX/XXXX. Another account that is not mine. They did not even list the original creditor which proves they are adding information to my account that is fraudulent. None of these accounts have been verified and validated with the original contract with my handwritten signature.

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 2022-10-30 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: LA

Complaint narrative:
I am filing a complaint in regard to unauthorized inquiries on my account. I did not receive any money for these inquiries or applied for these services. I recently summited a complaint and it was dismissed. This is me XXXX XXXX XXXX that's filing this report no one else. 

XXXX - XXXX SERVICE Inquired on XXXX XXXX, XXXX Business Type XXXX XXXX XXXX  Card XXXX. 

XXXX Inquired on XX/XX/XXXX Business Type : Personal Loans Companies XXXX Inquired on XX/XX/XXXX Business Type : Personal Loans Companies XXXX XXXX  Inquired on XX/XX/XXXX Business Type : Banks and XXXX & XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance, personal XXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance other than personal XXXX Inquired XXXX XX/XX/XXXX Business Type : Banks and XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: OH

Complaint narrative:
I am a long time customer with US Bank. I recently went to add my son ( who also has checking/savings account with them ) as an authorized user to help build his credit history. I was told the credit card account was inactive even though my card is not expired and I have not been sent a new card. I have a XXXX balance on the card and I was told if it is not active for 12 months they close the account. 

Closing an account with long good standing of on-time payments would have a negative impact on my credit score. Furthermore, if they have already reported my card as inactive in their internal system without notifying me, before my existing card is expired, and even before they issued my a new card is deceptive because I have no idea what date they reported this and therefore have no idea when they started the 12 month inactivity rule. 

They are punishing customers for paying down their card to a XXXX balance and furthermore, forcing card holders to use the card to keep it active. I try to use cards responsibly and for emergencies it is wrong what they are doing even though they say it's in the agreement I signed. You not be punished for using credit cards responsibly. Is it legal for them to close an account because they're not making enough money off of 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 explanation
Consumer complaint received 2022-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
My PayPal account is showing " limited '' and will not let me close my account. A company called XXXX XXXX and XXXX XXXX set up an automatic payment when I purchased some books from them. They took {$100.00} at a later date when not authorized. That company refunded me ( through PayPal ) immediately after I contacted them but I had also notified my bank and PayPal who opened an incident. 

My bank refunded my account after working with PayPal to resolve the issue so I was refunded twice. PayPal limited my account and wanted one of the refunds back. I have followed all the steps to resolve the limitation on my PayPal account. I transferred the refund back into my PP account and I have tried to confirm my bank multiple times within the PayPal website. I am having issues getting this resolved and there is never a person available to speak to. It is only the PayPal Assistant that sends me back to the same places on the website. I have called ( never spoke to a person ), and sent multiple messages to PayPal requesting help. I tried to close my account and it will not let me with that limitation on there. 

Basically, I have done the checklist that PayPal shows I need to do to resolve my account. Issues : The Resolution Center checklist does not show that I paid the money back to PayPal and the PayPal website does not give me the option of confirming my bank account. I can not get help from a person at PayPal and have received no responses to the multiple messages that I have sent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I paid my full balance in XXXX and closed my account. It is still showing as {$8.00} over limit and open on all credit reports. They have not reported any information since XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-30 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: OH

Complaint narrative:
I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Adverse action discrimination is against the law Consumer/natural person XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX GA XXXX ALLY BANK XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : APP NR XXXX RE : APP NR XXXX RE : APP NR XXXX how are doing TO WHOSOEVER IT MAY CONCERN YOU BROKE THE LAW I am writing this communication in regard to an adverse actions after filing out a consumer credit transaction applications with XXXX of XXXX I was discriminated against in this transaction my rights have been violated by making an unlawful decision congress has made it clear and concise that that i the natural person can not be discriminated for exercise my right to extended credit matter what the situation is pursuant to federal laws for example 15 usc 1602 ( f ) the term credit means the right grand by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. 

My consumer credit card account was used and I did not receive ANY benefits from this transaction Pursuant to 15 usc 1602 ( p ) unauthorized use of my credit. the term unauthorized use, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 



Pursuant to 15 usc 1691a I the consumer the natural person the applicant has in good faith excursed my right under this chapter. To extend credit.

Pursuant to 12 cfr 1002 Equal credit opportunity act ( Regulation B ) so an and so forth I got the proof that I was discriminated against by ALLY Bank and for that your now criminally liable for violating these laws With these discriminable action ALLY BANK is now involved in racketeering, fraud and swindling. and so, on I am willing to let this go if ALLY BANK do the right thing and reverse this decision and combine all offers made in one sum for a new property If not, I will pursuit forth lawful action. 

ALLY BANK has 20 days to remedy this action or I will proceed with forth LAWFUL action. 



NOTICE IS COMPLETE UPON RECEIPT I TRIED TO CALL GOT VOICE MAIL TWICE THANK YOU YOURS TRULY XXXX XXXX Looking forward for your speedy correspondence

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 2022-10-30 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: CREDIT ACCEPTANCE CORPORATION
State: CO

Complaint narrative:
In accordance whit the Fair Credit Report Act this creditor ( Credit Acceptance Corporation ) on XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX has violated my rights. Under 15 USC 1681 section 602 states, I have the right of privacy. 15 USC 1681 section 604A section 2 also states, 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 and and consumer credit plan as late for any for any purpose.

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