vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-09 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with overdraft — Overdraft charges
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I really can't understand why Bank of America is getting away with crimes on my account, I have giving you all the proof of everything and Im still suffering from this bank fausifly my account.and they continue to lie about everything and anything This bank took my claim I filed for {$37000.00} XXXX and placed it to my account in the negative two hours after I filed. And took money to paid it back from claims that had nothing to do with that and claims they made up to make it even over the period of 11 months. I filed it because while I was in the hospital for 15 days the claim to have placed it to my account while I was in the hospital and claimed that someone spent it all in 15 days. I sent them police report and nine more pages of evidence. When getting my statements I also received my evidence back but this was not my paperwork I sent to them .I was told to place my name, b.d and claim numbers on the top of each page. But as they were going to there CCMS documents someone sent them to me instead. They whited out my claim numbers on each page, they backed out my S.S number and b.d on each page, and fraud my signature. And my bank statements were fraud by adding more dates to my statements and I have four different statements and none. Of them matches up.They never place XXXX to my account but they committed at least 9 felonies on my account to make it Look that way.

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 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
There is a collection account on my credit report which lists Speedy Cash as the original creditor. I don't recall having a balance due with Speedy Cash for the amount that's reporting on my credit report. Furthermore, I didn't receive anything about a debt being owed, or an account being sold. Please send all original documents for this loan as well as the balance due on the account. I am also requesting the correspondence sent to me when Speedy Cash sold this account. If you can not provide this information, then contact the collection agency to cease reporting of this inaccurate account. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 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: CA

Complaint narrative:
I don't recognize these inquiries on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I don't recognize these inquiries on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09 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: IN

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 XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX  # XXXX, Account name : DPT EDXXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : 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 isn't reporting correctly. 

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.

Also they aren't 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 non-monetary relief
Consumer complaint received 2023-09-09 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: IN

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 XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX  # XXXX, Account name : DPT EDXXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : 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 isn't reporting correctly. 

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the relentless harassment and abusive debt collection practices employed by One Main Financial. My objective in filing this complaint is to seek assistance from the CFPB in resolving this issue and ultimately requesting the waiver of the debt owed to One Main Financial due to the severe emotional distress and harm caused by their actions. 

To provide context for my complaint, I wish to outline the abusive practices and harassment I have endured at the hands of One Main Financial : Excessive and Unrelenting Contact : Representatives from One Main Financial have been incessantly calling, texting, and emailing me at all hours of the day, including weekends and holidays, with a frequency that is far beyond reasonable. These calls have disrupted my daily life and caused significant stress and XXXX. 

Violation of Fair Debt Collection Practices : I firmly believe that [ Creditor Name ] has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) through their abusive and unethical collection tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: U.S. BANCORP
State: CA

Complaint narrative:
In XXXX  I had perfect credit I then went to XXXX XXXX XXXX XXXX XXXX I met a girl who was a XXXX XXXX  she told me that she could get me released early so I gave her my information and she begin to use my information inappropriately she opened an account with US Bank, and XXXX XXXX  when I was released I filed a police report. I sent it to all the bureaus and ever since my credit has been restricting me to uncomfortable living conditions as a result of some inaccurate information there is over 57 addresses on this report a clear indication that something is incorrect when I have been at only three locations my entire life.

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 2023-09-09 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: FL

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

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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
Due to Covid 19 financial hardships have not been able to pay credit card bills

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
My wife and I had 2 separate charge accounts with XXXX  XXXX ( setup in XXXX  ) ( they were GM Charge cards, 2 years ago Marcus ( Goldman Sachs ) took over the GM cards. When we make a payment on one card it is being credited to the wrong account, Also The charges on the first card are being put on the the second card. As a result we have a card account with a {$3600.00} credit the and the second card has a XXXX balance which we can not clear because they credit the wrong card. In XXXX we made a electronic payment of {$680.00} which did not get credited to either account but was deducted from my bank account. I was primary owner of one card and my wife was primary on the other card They are telling me No

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
This company ( Port Folio Recovery ) continues to harass with phone calls. They have been asked on several occasions to stop calling and to update their records to reflect that I have been issued this telephone number with a new service line from XXXX XXXX. I am on the verge of having to request a new telephone number due to their non-stop harassment and illegal actions. I have even contacted this company via their website and through their chat reminded them that this is a new number for myself and not the person they are seeking. 
This company should not be allowed to conduct business any longer due to their illegal actions. 
Apparently they seem to be paying off the correct public official that they are not held accountable for their illegal and harassing practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 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: CA

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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 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: WI

Complaint narrative:
I review my Consumer Reports & notice that I had 1 late payment on account that I was never late for Consumer Reporting Agency has a vital roll & have a responsibility ( 15 u.s.c. 1681 ) to report Consumer information to the best of their ability with 100 % accuracy I have never been late payments for the accounts XXXX XXXX XXXX XXXX. Account # XXXX. Please provide proof with statement showing that these payments were late. I request the 100a & 1099c If proof can't be provided these payments be updated to " on time payments '' as they should be as I was not late within the next 10 business days. Thank 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 2023-09-09 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: FL

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

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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09 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: FL

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

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 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 non-monetary relief
Consumer complaint received 2023-09-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I applied for a PayPal credit account and was denied according to a credit report that indicated I had a Venmo account that has been established and information obtained in a report effected the decision. Not only have I not opened a Venmo account I also have reached out several times to customer support complaining that someone else is using a account with my name on it and using a old cell phone number Ive had in the past to move money and fraudulently use my personal information. Ive asked numerous customer service reps to delete the account my account and stop using my name and because I cant tell them the number associated with the account they wont delete it and somehow either lose connection and hand up mid conversation or never get back to me to follow up with my complaint! I want the account removed VIA MY NAME IMMEDIATELY

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 2023-09-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Mattress Firm was a running a XXXX XXXX sale for 3 % back on a XXXX XXXX XXXX XXXX for a balance of about {$67.00}. I received my Synchrony card, activated it as instructed, and tried to use it at XXXX, however it could not be processed. When I called the automated number to check the balance again, {$22.00} had been deducted from the card even though it could not be processed at XXXX at checkout and I used my personal card as payment instead. I then went to the website on the card to see what was deducted as the {$22.00} and the website said the card was invalid and could not be found. 

After doing some digging on consumer message boards, I'm learning that the issuer of the XXXX XXXX XXXX, XXXX XXXX, is a scam. 

I tried reaching out to Synchrony multiple times with no response. 

This is not only misleading as a sales perk, but also fraudulent.

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 2023-09-09 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: OneMain Finance Corporation
State: IL

Complaint narrative:
I recently pulled my credit report and saw multiple ( XXXX ) unauthorized inquiries on my report. These unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 U.S.C 1681. 15 U.S.C 1681b states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). I have never authorized any transactions with the following company ( One Main Financial ) As well as I do not have an account as defined under 15 U.S.C 1693 ( a ) 2 with ( One Main Financial ) of any sort. 

In regards to The company ( One Main Financial ) has misused the private/personal information associated with my personal consumer report by using my information for personal financial gain for the betterment of their company. They ignored my communications & refused to cease and desist obtaining my personal/private information from any credit reporting agency. The company refused to remedy the matter professionally without any trusted third parties having to intervene into the matter. In addition to the rampant fraud & identity theft the company ( One Main Financial ) keeps taking part in they refused to pay me the consumer/beneficiary the entitled payment that was compensation for the violation ( XXXX ) that kept recurring. I also gave them written notice that if such attempts kept being made against me the consumer/beneficiary that there would be legal actions taken. And it should be taken very seriously as this matter is represented in a trust matter.

Company response to consumer: Closed with explanation