vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am a client at Marcus by Goldman Sachs. I have been trying to transfer approximately {$7900.00} to my XXXX  XXXX XXXX and XXXX XXXX XXXX  accounts. On XX/XX/2023, I attempted to transfer all of my funds outside their institution. On XX/XX/XXXX, I was notified that my transfers have been reversed and I will not be able to have access to my money. When I tried to solve this issue online, they told me that I needed to call. So I did. After speaking to their representative, they told me that I would not be able to transfer my funds to another institution for at least 90 days unless it was transferred to the SAME accounts where the funds originally came from ( i.e. back to the bank of origin when the funds were originally transferred to Marcus ). 

I added those bank accounts again since my partner was the one who made the initial deposits into Goldman Sachs, but I was given pushback yet again. First, they require me to log in to my XXXX  XXXX XXXX online ID and give them all my bank account information, but then they rejected the link I was attempting to make, taking all my precious information while they were at it. Then, they prompted me to enter the account and routing numbers manually which I did. When I added XXXX and XXXX, they told me that I needed to wait yet ANOTHER XXXX days to verify the test funds that will be ( hopefully ) deposited into the XXXX XXXX  so then I can make the outbound transfers. 

This is completely unacceptable. They are purposely making it unnecessarily difficult to transfer funds outside of Marcus when they marketed their products as liquid. We keep encountering roadblocks to receiving our money and have been duped into believing that our money was safe and easily accessible. That is not the case. We are requesting a full withdrawal of our funds so we can close our accounts. We do not believe Marcus does business in good faith, and are taking advantage of consumers by not letting them have access to their funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: ME

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 my privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment under an a credit card account under an open and consumer credit plan as late for any purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are negative aspects going back to 2021 on my credit that have hindered my purchasing of a new home as well as inquiries I did not submit. I am filing this report in correlation to the law 15 USC 1681.

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 2023-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Ever since I moved from XXXX to XXXX I've had nothing but straight hail from the credit of reporting agencies they say I got fraud they say they put freezes on my credit report that is not doing me any justice I worked hard for my for my good credit that I have I have outstanding excellent credit and now all my cards are being turned down for identity theft nobody has stole my identity I me I would appreciate you I'll get this off of all three of my credit report agencies so I can maintain my credit card use cuz I'm a upstanding citizen I fought for us in the war I demand accuracy and I'm who I say I am nobody else is me pretending to me nobody stole anything and there's no fraudulent things on my charge card straighten it all out XXXX XXXX XXXX XXXX all them cars have been put under review because of this XXXX this is XXXX  fix it now I live in XXXX  I no longer live in XXXX  my telephone number has changed I no longer have XXXX  numbers thank you so much

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 2023-07-30 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: Merchants' Credit Guide Company
State: IL

Complaint narrative:
Merchant credit guide ( original creditor : XXXX XXXX ) is not reporting the correct payment history nor the original balance. This discrepancy is tarnishing my payment history along with account balances. There should be no balance remanding on this account due to my insurance paying for my treatment and my co pay with my insurance provider. I don't owe XXXX a separate balance. I walked in for a stomach ache and was discharged the next day with no post visit medications. Attached is evidence of the true total account balance and payment details. Merchant is not reporting any payment history on this account and its illegally damaging my consumer report. Please remove this account for the incorrect discrepancies.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 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: TX

Complaint narrative:
See attached

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 2023-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
This company treated me so badly. My bag was stolen while I was in the hospital for a crisis from my mental health issues and my account and card was compromised. The company is blaming me for the incident and will not release my funds even though I won the disputes. I can not help this happened and did not authorize anyone to use my account. They sent me an email telling me there was no way they could help me. How do they have the right to tell me that this is my fault? How can they hold my funds pass the day of the dispute decision. They are holding my funds on purpose and locked my account on my birthday which was very wrong. I just want my funds and I want people to be aware because the company will blame the consumer for a compromised card. They denied the XXXX $ dispute because of the price without a proper investigation. The representatives were rude and cancelled my account due to the XXXX sound in my voice. As a minority of the lgbt community with XXXX  history I dont think they should play with peoples money. I can not help this happened. I hope Venmo does something about the judge mental employees. I feel very discriminated against for being a XXXX XXXX XXXX  and everyone should know how I was treated. All on my birthday. I just want my funds released. And they put notes on your account to be vicious so the next time you call the way you are treated wont change because of untrue notes left by rude representatives who judge customers based on their voice. They can tell when XXXX peoples call and they know a XXXX voice and treated my account as such. They had the ability to let me withdraw my funds. All of this happened as I got out of the hospital from a XXXX  hold. They only made it worse. I have attatched the paperwork from the hospital I was in during this time. I feel so low as a human and my light bill is due and when told about them being disconnected I was told that its not Venmo fault your light bill is behind. This is unacceptable behavior from the women who work there. They were really judgemental and I may have to go back to the crisis center over this situation. Please help me. I have verified my identity 4 times but the robots keep sending the same email. So they have my email blocked from reaching a human who would hear this and sympathize with me. I feel mishandled and sent to the bot machine to handle human affairs. I was told in a rude way that my account was being frozen when XXXX the one reported the activity. They can not do this without even telling me what I did and not let me recover my {$560.00} and extra {$350.00} from a claim they denied because of the price of the transaction but the approved the XXXXXXXX XXXX transaction under the same conditions. This should be against the law and Venmo investigated and sued for XXXX and XXXX discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OR

Complaint narrative:
I have had federal student loans since XXXX at XXXX for my XXXX and XXXX XXXX in nonprofit management. I have worked in XXXX  my entire career with a short period in default but otherwise have paid well over XXXX and over XXXX payment. Somehow I still owe XXXX. I have requested an entire print out of my payments including balance and interest rate along the way. The current servicer Mohela claimed they could only provide back to XXXX and to contact studentaid.gov. They said prior to that servicers have either gone out of business or information not accessible. Mind you the federal government has changed servicers at least 5 times over the duration of my loans. I spoke to studentaid/federal government to request a full report of the money I PAID the federal government and they said it isnt accessible because companies out of business. I then submitted a complaint with them requesting once again my full report. They closed my complaint without resolution. I spoke with them again the other day asking what the resolution was and the person on the phone was confused why there werent any notes and it was closed. This is corrupt. How do I owe XXXX after paying 20 years on a XXXX federal student loan? Why cant the federal government provide me the full history of my payments and interest rate? What other entity provides a loan yet doesnt have accountability for payments and interest rates? How do I know if there was any corruption or false calculation along the way because as of now there is absolutely no explanation as to why I still have XXXX on a 20 year federal student loan that started at XXXX. Furthermore for public service degrees!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: KY

Complaint narrative:
I financed a vehicle with BB & T/Truist . The vehicle was traded in. BB & T/Truist reported a late payment on my credit which would not be possible because it was traded in and paid off. I later found out that BB & T/Truist did not place a proper lien on the title when I initially purchased the car nor did they respond to the payoff request from the dealership, so the check had been issued but the bank didn't acknowledge the payoff, thus reporting in a late payment being reported to my credit in error.

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 2023-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian Credit Bureau continues to reporting inaccurate, outdated information on my credit, after multiple attempts of my disputes to Fairly report per FCRA. 

Collections are accounts with outstanding debt that have been placed by a creditor with a collection agency. Collections stay on your credit report for up to 7 years from the date the account first became past due. They generally have a negative impact on your credit score. I am being negatively impacted. 
The account below is being reported by XXXX XXXX : this account is past Account Type UNKNOWN Term Duration {$830.00} Date Opened {$830.00} Date Reported Date of Last Payment Scheduled Payment Amount XXXX Delinquency First Reported OTHER XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX RENTAL_OR_LEASING Debt Buyer Account XX/XX/XXXX Creditor Classification Charge Off Amount Balloon Payment Amount Date Closed Contact XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX | XX/XX/XXXX Page 50 of 68 I understand that Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.

Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. 

In this case Experian is reporting unverified incomplete inaccurate information from a debt collector and has refused my request to provide investigation results or documentation proving accuracy. 


Please see attached credit profile 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 2023-07-30 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Alleged- XX/XX/XXXX / Amount- {$360.00} / XXXX XXXX XXXX/ XXXX XXXX XXXX {$720.00} / XXXX XXXX XXXX Amount- {$500.00} / XXXX XXXX Enforcement / Amount- {$17000.00} XXXX opened- XXXX / XXXX XXXX XXXX /Amount- {$3300.00} XXXX opened- XXXX / XXXX XXXX XXXX- Amount- {$12000.00} /Date opened/ XXXX / XXXX XXXX XXXX opened/ XXXX / Amount- {$1200.00} / XXXX XXXX XXXX Date XXXX Amount- {$720.00} XXXX XXXX XXXX System / Date opened - XXXX / Amount- {$630.00} XXXX XXXX XXXX XXXX / Date opened- XXXX / Amount {$410.00} / XXXX XXXX XXXX Cease And Desist, Harassment, Trademark/Copyright Infringement Document letters were XXXX XXXX XXXX companies as warning for suing.Please NOTE Statute of limitation for New York State is XXXX years for debt collection, and Supreme court XXXX XXXX XXXX  in XXXX vs. XXXX ( XXXX XXXX. XXXX XXXX ; XXXX, XXXX ; and XXXX, filed XXXX, XXXX ), this court held that the current structure of the administration child support process violates the constitutional constraints on the seperation of powers. In closing permission and proper NOTICE was not given by XXXX XXXX from XXXX reporting agency to act as an authorized user to post alleged disputed information of consumer XXXX XXXX who owns and have legal copyright to the name 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 2023-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX , Account # XXXX XXXX XXXX XXXX , Account # XXXX XXXX XXXXXXXX, XXXX , Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX , Account # XXXX XXXX XXXX XXXXXXXX, Account # # # # # # # XXXX XXXX XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30 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: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX , Account # XXXX XXXX XXXX XXXX , Account # XXXX XXXX XXXX XXXXXXXX , Account # XXXX XXXX XXXX XXXX XXXX , Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX, Account # # # # # # # XXXX XXXX XXXX has violated my rights. 

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
I'm checking my credit report and see that it is a loan from ally financial on my report. I see that it is paid and closed but i did not authorize any one to use my name or credit to purchase a vehicle. I am trying to get this solved but i am getting no where. I am being told that it is accurate and verified due to having my signature and license but that can not be true. I have tried to work with your company since founding out about this loan to no success. I am a victim of identity theft and do have a police report and ftc report regarding this situation.

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 2023-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, 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. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-07-30 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: 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. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-07-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ClearPath Lending
State: CA

Complaint narrative:
Sending me false and threatening letters. This is the XXXX time. They ask that I immediately call them XXXX XXXX. Clear Path Lending.The letter states in the upper right say disbursement amount {$30000.00}, First payment XXXX XXXX. No such loan was made!! And to call them immediately at 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