vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-11 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: DE

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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However They stated everything was complete And accurate But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporting correctly.

15 U.S.C 1681 section 602 A. State l 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 agencies can make any consumer reports 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 Also they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case.

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 2023-06-11 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: 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 XXXX XXXX XXXX. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 XXXX 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. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-11 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: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identify theft, not later than 4 business days after the date receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15U.S. Code 1681b-Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protect consumer. NO CONSENT IS IDENTIFY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: DC

Complaint narrative:
On XX/XX/XXXX I schedule a transfer from XXXX Goldman Sachs for XXXX XXXX to an external account to take place on XX/XX/XXXX. 

When I scheduled the transfer, a message popped up and asked me why I am transferring that amount of money. I answer a question, but I just thought it was a customer survey. 

On XX/XX/XXXX I received a call asking to call back the bank XXXX. 

I called back, and they told me that they wanted to be sure that it was me that Initiated the transfer. 

The strange part is that the transfer was done to my own XXXX account, so the activity was not suspicious or fraudulent. 

Then I asked them to explain the reason for suspending the transfer and they gave XXXX contradicting answers. 

1. They have concerns that the transaction was fraudulent ( however they later acknowledge that I was transferring the money to the originating account ). 

2. They generally want to keep the money for XXXX days in the savings account ( which is stranger, as I needed the money for paying the school of my children and it was not a certificate of deposit ) 3. Finally, the most disturbing thing, that according to the savings agreement they reserve the right to block withdrawals from my account. I read the agreement and that statement was right. But it was not clearly disclosed to the customer. Moreover, the bank does not discloses the amount to be block from being withdrawal. 

I just want to file a complaint against XXXX Goldman Sachs for preventing the customer to access their funds on timely manner. Blocking transfers to originating accounts are just an excuse to retain funds at the bank. This is not the standard practice of banks. I transferred money in the past between my accounts and this is the first time that my transaction is blocked by a bank based on security reasons ( I am not sure how suspicious is a transfer of money between my own accounts ). 

This is reducing the quality of the service ( timely availability of funds ) which is standard to any savings account. 

Also I want to complain on the time duration for transfers to my XXXX account. The XXXX transfer takes up to XXXX days. But the money is frozen for XXXX  days. The bank is holding the money at the expense of the customer. They should make the money available after the XXXX transfer is completed and not holding the money in excess of that time. They currently hold the money for an extra XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
From XX/XX/XXXX - XX/XX/XXXX someone in XXXX XXXX was using my Bank of America debit card to ordeXXXX XXXX XXXX food deliveries almost every day or every other day. I do not live in that area it is an hour away from me. The orders are from XXXX XXXX and XXXX XXXX mostly. I live in XXXX XXXX XXXX. I literally would not be able to order in food over there because I am never in that area. The restaurants they are ordering from I have never been to. The purchases range from $ XXXX {$120.00}. 

I am gluten free/ XXXX XXXX and sober and most of the purchases are pizza, pasta, fast food, burgers, and alcohol. 

I live in XXXX XXXX XXXX. You can see from my credit card that I mostly use ( XXXX XXXX ) that I am out of town a lot of the dates that these purchases are being ordered on XXXX XXXX to XXXX XXXX and XXXX XXXX. attarched are screenshots of all of these purchases.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I decided to use XXXX XXXX due to a direct deposit promotion that they offered on their checking account. I moved my employer direct deposit to this account and was receiving XXXX-monthly direct deposits of XXXX  to the account. Once I had reached XXXX direct deposits of XXXX XXXX XXXX total ) they promised to deposit an additional XXXX promotion bonus in my account. When at XXXX ( right before the last XXXX was set to deposit ) they inexplicably closed my account. I believe this was a fraudulent and predatory move in order to avoid honoring their promotion. My employer still attempted to direct deposit the XXXX  which didn't work, and my money was lost in the shuffle for quite some time. The company needs to honor their XXXX  promotion bonus ( which can be deposited in the savings account I have with them that they did not inexplicably close ), and compensate me for many hours of trying to solve this / work with my employer and other banks.

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 2023-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
FACTUAL DATA made an inquiry on my XXXX and XXXX credit report without my consent. I have no clue who FACTUAL DATA is, what they do, why they would want my credit report. XXXX and XXXX didnt care they just gave the information and dropped my score XXXX points with XXXX XXXX Im attempting to refinance my house and if this bogus inquiry into my credit report causes the loan to fall through or the interest rate to increase Ill hold FACTUAL DATA, XXXX AND XXXX RESPONSIBLE. I will even ask my attorney of my options in dealing with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 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. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 XXXX 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. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-11 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: 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. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 XXXX 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I am a victim of identity theft. I realized between last year XXXX to XXXXXXXX XXXX my apple credit card was compromised. I did not authorize any purchases/transactions. Ive disputed the transactions multiple times with the credit card company but my disputes was denied even after I submitted all the evidence including the police report. This is what Goldman Sachs bank said I quote ( You have the right to see the information we gathered to make this decision. To request a copy, please contact an Apple Card XXXXXXXX. ) but Ive been asking for the copy of the investigation that they determined to denied my disputes they never sent me these copies since last year till now. I had a good credit score btw XXXX to XXXX but now my credit score dropped to XXXX. I am not responsible for these transactions so I am appealing or asking for a disputes investigation so everything can resolve. Goldman Sachs bank is violating my consumer rights. I dont have money to pay these debits I am not responsible for and also I am asking to fix my credit score/report for me. I worked hard for everything I earned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-11 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:
I have been spending countless hours working on getting the issues corrected with " XXXX XXXX XXXX XXXX XXXX XXXX '' and will not stop till things are removed or fixed even contacting my Attorney, News outlets, XXXX  and FDIC if it takes this but first trying to get a resolution prior to these routes. I have explained many times in disputes but it seems that its ignored other than saying the dispute is finial and its determined that the information is correct. XXXX  has XXXX as Revoked D with over 359 complaints in the last 3 years with many issues the same as mine. 

Total XXXX by XXXX XXXX XXXX XXXX  issued me a card around XX/XX/XXXX XXXX of {$300.00}. I happen to fall on hard times upon getting and using the card leaving the card with it maxed and unable to make any payments. It and Date of First Delinquency XX/XX/XXXX and Charged-Off around XX/XX/XXXX and was sent to Collection around this time. I finally was able to pay the account in full to the collector XXXX XXXX XXXX XXXX XXXX in the amount of {$430.00} on XX/XX/XXXX Ref # XXXX. 
Equifax is reporting this as being Charged-Off XXXX XXXX and XXXX of XXXX, a Charge-Off should only occur once and that is XXXX of XXXX when it was Charged-Off. Also in the last Dispute Update its being reported that my " Date of Major Delinquency '' was XX/XX/XXXX ( yet Date of First was XX/XX/XXXX ) having Fico showing me late less than 60 days ago instead of 4 years ago when it went past due... 
I first ask that you as a courtesy remove this reporting from all 3 Credit Reporting Companies as I paid in Full the Debt with the Collector XX/XX/XXXX, If this is not an option please remove this false date for XXXX XX/XX/XXXX and Charge-Off XXXX as this is incorrect. 

This above info is hurting my Fico score and is the only negative reporting on my file with over 30 perfect accounts reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-11 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 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. 

1.XXXX  XXXX ACCOUNT # XXXX has violated my rights. 
2.XXXX  XXXXXXXX XXXX XXXX ACCOUNT #  XXXX has violated my rights. 
3.XXXX XXXX ACCOUNT # XXXX XXXX has violated my rights. 
4.XXXXDEPT OF ED ACCOUNT # XXXX XXXX has violated my rights. 
5.XXXXDEPT OF ED ACCOUNT # XXXX XXXX has violated my rights. 
6.XXXXDEPT OF ED ACCOUNT # XXXX XXXX has violated my rights. 
7.XXXXDEPT OF ED ACCOUNT # XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2. a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) 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 has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-11 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1.XXXX XXXX ACCOUNT # XXXX has violated my rights.

2.XXXX XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights.

3.XXXX XXXX ACCOUNT # XXXX XXXX has violated my rights.

4.XXXXDEPT OF ED ACCOUNT # XXXX XXXX has violated my rights.

5.XXXXDEPT OF ED ACCOUNT # XXXX XXXX has violated my rights.

6.XXXXDEPT OF ED ACCOUNT # XXXX XXXX has violated my rights.

7.XXXXDEPT OF ED ACCOUNT # XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2. a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) 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 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 2023-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Hello! I opened a XXXX XXXX credit card in XX/XX/2022. I always strive to make my bill payments on time, but a few weeks later, I suffered a reduction in my income as my work week was cut to 4 days involuntarily. Without fault, I fell behind on the payments of the card.

Then, on a span of almost one month, Comenity Bank started calling me non stop, regarding the credit card debt, even when I was at work. I counted a total of 214 harassing debt collection calls from different numbers including private ones, including several calls made after I reached out to them to work out a solution to the problem, and the attempt was unsuccessful, causing me emotional distress.

I sent two different letters to Comenity, and I enclose a second one I sent, so far I have not heard anything from them at this time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Its been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment, they have not supplied this information and they must delete the alleged late payments on my credit report. Under federal law they have 30 days to complete the investigation and by failing to do so the items must be deleted from the report soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 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: NY

Complaint narrative:
I am requesting XXXX XXXX bank and all the credit bureau to fix my credit report to be clean. I never missed any legitimate payments. I always make my payments on time. My account with XXXX has been misused by someone and I am still in contact with XXXX XXXX to investigate these transactions so everything can be fix and resolved but the kept reporting the debits to the credit bureau. I dont owe those therefore I am not responsible to pay for it. I want XXXX XXXX bank to stop reporting negative on my report till they investigate the transactions on my behalf. I want my credit score to be clean and go back to the how good it used to be.

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