vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Payfare International Inc.
State: MI

Complaint narrative:
Today I noticed that there were several unauthorized charges on my XXXX XXXXt visa pay fare card through stride. One charge was posted today XX/XX/23, {$5.00} from XXXX XXXX There are also a series of charges listed as pending from several other online merchants, starting with XXXX XXXX XXXX for {$29.00}, XXXX XXXX XXXX for {$28.00}, XXXX XXXX XXXX for {$2.00}, XXXX XXXX XXXX for {$7.00}, XXXX XXXX XXXX for {$7.00}, XXXX XXXX XXXX for {$1.00}, XXXX XXXX XXXX for {$1.00}, and XXXX XXXX XXXX XXXX for {$1.00}. I suspect there may be two possibilities as to how this happened, the first being that my card was skimmed at a local gas station or restaurant as I visit them often while working as a XXXX. I also did some research on XXXX XXXX and found that my password to the virtual wallet had appeared in a data leak and was at a high risk of being compromised according to apples password page, which I was never notified of. I contacted the XXXX  support team, which is a subsidiary of the XXXX XXXX XXXX, and they told me they issued a support ticket for my issue and someone would contact me in 24-48 hours, although unfortunately there is no one available on weekends so Ill likely have to wait until Monday.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 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: MI

Complaint narrative:
I asked the credit bureau to do a verification of everything on my credit report.And they did they stated everything was accurate. 
I did a thorough search of my own. There are inaccuracies after the credit bureau verification. 
In accordance with the Fair Credit Reporting act the following accounts have violated my rights Name of account XXXX XXXX  ACCOUNT # XXXX VALIDATE ACCOUNT Name of account XXXX XXXX ACCOUNT # XXXX VALIDATE ACCOUNT Name of account XXXX ACCOUNT # XXXX VALIDATE ACCOUNT Name of account XXXX ACCOUNT # XXXX VALIDATE ACCOUNT Name of account XXXX XXXX BANKRUPTCY ACCOUNT # XXXX 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 consumer reporting agency can not furnish an 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 that antedates the report by more than seven years.

15 U.S.C. 1681 s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency.

If the person knows or have 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 2023-04-23 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: MI

Complaint narrative:
I asked the credit bureau to do a verification of everything on my credit report.And they did they stated everything was accurate. 
I did a thorough search of my own. There are inaccuracies after the credit bureau verification. 
In accordance with the Fair Credit Reporting act the following accounts have violated my rights Name of account XXXX XXXX ACCOUNT # XXXX VALIDATE ACCOUNT Name of account XXXX XXXX ACCOUNT # XXXX VALIDATE ACCOUNT Name of account XXXX  ACCOUNT # XXXX VALIDATE ACCOUNT Name of account XXXX ACCOUNT # XXXX VALIDATE ACCOUNT Name of account XXXX XXXX BANKRUPTCY ACCOUNT # XXXX 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 consumer reporting agency can not furnish an 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 that antedates the report by more than seven years.

15 U.S.C. 1681 s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency. 
If the person knows or have 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 2023-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I paid in full Synchrony bank for Sam 's Club credit card {$680.00} twice. Once on XX/XX/XXXX and again XX/XX/XXXX thru their online payment portal. I was given an error when making the original ( first ) payment stating it did not go thru so the next day i made it again. However both payments went thru. When I contacted them, the agent advised me to make a stop payment on one of them thru my bank, which I did. I made a stop payment on only one payment. On XX/XX/XXXX I reordered a new card, I was told their backline department had incorrectly made a payment correction and it showed I still owed the {$680.00}. There has been been 3 separate cases opened on this thru Synchrony Bank managers ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). I was also told it was sent to the finance department to fix. I also filled a corporate complaint on XX/XX/XXXX. Since then I have been dealing with them trying to get this corrected and get credit for the payment paying my card off. I have provided statements and tracing numbers from my bank. Every month I have had to contact them and dispute this. They have just sent me a letter stating the information I have provided hasn't been enough ( full bank statement ) and tracing numbers provided to me by the bank and once again it is showing I still owe {$680.00}. According to my bank, the second payment made on XX/XX/XXXX was the payment that was stopped and the original payment of {$680.00} went thru and Synchrony bank received the funds. I have filed a corporate complaint a XX/XX/XXXX amd did not hear back. 
Please help me finally resolve this. I have done everything they have asked me to and provided all documentation that I can. I am attaching my statements showing both payments and the one stop payment as well as the trace numbers provided to me by my bank. Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX TransUnion Consumer Solutions Dear, TransUnion I am writing to request the removal of the unauthorized credit inquiries on my TransUnion credit report listed below. My latest credit report shows a number of hard inquiries that I did not authorize. This information is inaccurate and needs to be removed immediately!! 

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

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 2023-04-23 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: MA

Complaint narrative:
I recently tried to buy a home to better me and my families life and I noticed that there are some damages on my credit report. I've already been in breaches and I thought my information would be protected. 

Now my family and I are being affected and its negatively impacting my emotional and mental state. It's also a deformation to my character. 


According to 15 U.S.C 1681 THE ACCURANCY & FAIRNESS OF REPORT & 15 U.S.C CODE 1692G VALIDATION OF DEBTS, the law was broken because these damages are fraud and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I recently tried to buy a home to better me and my families life and I noticed that there are some damages on my credit report. I've already been in breaches and I thought my information would be protected. 

Now my family and I are being affected and its negatively impacting my emotional and mental state. It's also a deformation to my character. 


According to 15 U.S.C 1681 THE ACCURANCY & FAIRNESS OF REPORT & 15 U.S.C CODE 1692G VALIDATION OF DEBTS, the law was broken because these damages are fraud and illegal.

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 2023-04-23 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: LA

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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: GOLDMAN SACHS BANK USA
State: PR

Complaint narrative:
I have been using an Apple Card for the past two years. The main reason I started to use the card was to create credit. However, I havent been able to access my credit reports/score. I have continuosly tried to solve the issue with Goldman & Sachs. At first they said since I was only a participant I wasnt getting my credit reported. That I had to opt-in for credit reporting if you are a participant. When I did, they told me the change would reflect on reports in the next few months. It is now more than 6 months after that and I still have no reports for my credit score. I called today and they said that they have no clue why its not credit reporting. This is an issue I have had for 2 years ongoing and still have no information. 2 years of positive credit lines without missing a payment and all for nought. Today the issue was taken to their investigative department to check the situation out. I want to report this issue to see whether it is an issue with the beureaus or with Goldman & Sachs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
On XX/XX/2023 there was a transaction made on my Citi Bank account in the amount of {$2100.00} with XXXX in XXXX, XXXX. The transaction was a mistake given issues on the companies website and within minutes I called Citi Bank to cancel the transaction. I was told that it had been declined, however that if it went through that I shouldn't worry, that they would take care of it and cancel the transaction. The person I spoke to then instructed me to submit a claim. 

Additionally, I stayed at another hotel on those exact dates charged to that same credit card, which is another proof point of why I would have never used the services of XXXX. 

Immediately, I submitted my claim and was given temporary credit, while the situation was investigated. I communicated with various different people and on XX/XX/2023, I was told that I was found responsible. I then called again and resubmitted information to reopen the investigation and was told that they would reopen the investigation and that I would hear back again and that I shouldn't worry, that I would be taken care of. 

In the dispute center, on the online app, it currently reads that my situation should be resolved no later than XX/XX/2023 and I called today XX/XX/2023 to be told that there was nothing that could be done for me because the merchant of the hotel ( that I never stayed at ) had been credited the money. Through earlier conversations with Citi Bank employees in XXXX, this was never communicated to me. 

Throughout this entire process, I spoke to someone named XXXX located in the XXXX, XXXX located in Arizona, and XXXX based in the XXXX as well as several other people. 

I'm extremely frustrated with this whole process and have never experienced anything like this with any of my other credit cards. Given that I was not given adequate communication, assistance or support through this, I decided to cancel my credit card with Citi Bank and will never again reopen. 

There was a lack of honesty, transparency, and customer support on behalf of Citi. The moment I called, minutes after this transaction was made by mistake, I was told I would be taken care of and that the transaction would be cancelled. However, each time I called I was given different information and clearly given inaccurate information and transferred to different people. 

As I was closing my account, I was told by someone named XXXX that I would be getting a {$99.00} credit given my experience, which was extremely insulting and disrespectful.

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 2023-04-23 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I have reached out to card issuers and Experian and unfortunately the dispute results have tons of details without value or proper explanation or resolution. meaning more misinformation than actual information. The questions I have are. 

1. When credit reporting is monthly ( Also Note-customers registered on credit Bureau sites get daily updates ) . Why would a 0 % APR for XXXX balance have to consider the total balances. I need the current score not the future score. 

2. Credit card issuers are reporting the balances inaccurately. The unfair part is credit card companies who attract customers with rewards and cash back forget the fact that once a customer accumulates cash back over time, that amount has to be considered to get a net balance. 

3. Reporting delinquencies on $ % basis is more accurate than # of delinquencies. 

4. Who and how often is the data integrity validated? credit reporting agencies do have inconsistencies. 

5. Finally, the models must reflect most recent micro and macroeconomics, inflation, GDP, price index, unemployment, climate risk. Why is there is disparity on consumers, who are the fundamental elements of driving the GDP but are treated unfairly by only considering what is profitable to big credit issuers.

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 2023-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Penn Credit Corporation
State: PA

Complaint narrative:
I had hospital bills and credit cards was on my credit

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 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: FL

Complaint narrative:
I have asked the credit bureau to do a verification of everything on my credit report and they did and stated that everything was accurate so I did a thorough research myself and found improper inaccuracies on my report after the research. 


XXXX Account XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account 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 instruction.

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 2023-04-23 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: FL

Complaint narrative:
I have asked the credit bureau to do a verification of everything on my credit report and they did and stated that everything was accurate so I did a thorough research myself and found improper inaccuracies on my report after the research. 


XXXX Account XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, 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 instruction.

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 2023-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: HANCOCK WHITNEY BANK
State: CA

Complaint narrative:
A check made out to my buisness was deposited into someone's account at Hancock Whitney Bank in XXXX XXXX No one at this bank has legal legal access to my LLC. I am not sure whose account it was but the bank refused to help me. The customer who wrote the check didn't want to get involved because they said they got there car and paid and it's my problem if someone did this to me. 

The only bank my LLC banks with is XXXX XXXX XXXX XXXX in California.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Credit card or prepaid card — Store credit 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: Paypal Holdings, Inc
State: NC

Complaint narrative:
PayPal , Inc. does not send the refund payments that are sent to PayPal by merchants to PayPal CreditXXXX XXXX in a timely manner. 

This causes the customer/consumer to file a " dispute '' not knowing that PayPal , Inc . 
actually has received the merchant refund credit but has not forwarded the refund/credit paid by the merchant to PayPal Credit or XXXX XXXX  XXXX 

This causes a lot of headaches. I simply hate/despise using PayPal, Inc./PayPal Credit because of all of the confusion and miscommunications. It is simply horrible. 

XXXX XXXX has sent PayPal, Inc. a number of refunds/merchant credits that have not been forwarded to PayPal Credit . Not knowing this, I have had to filed disputes unnecessarily. 

XXXX refunded PayPal, Inc. the total refund for order placed on XX/XX/2023 but PayPal , Inc. has not notified PayPal Credit and a dispute was created. 

Also XXXX had refunded PayPal, Inc. almost {$120.00} on an order of {$170.00} made XX/XX/2023. I did a dispute. 

This process with PayPal , Inc. is horrible, inefficient, does not communicate with PayPal Credit, and is not worth the time, energy, and headache..

PayPal 's lack of record keeping and working with PayPal Credit causes the consumer to be upset with the merchant and PayPal Credit needle
ssly when it is the fault of PayPal , Inc. itself. 

If I was XXXX XXXX I would stop doing any business with PayPal as it causes too much conflict.

When PayPal , Inc. was simply PayPal, things were much better.

Company response to consumer: Closed with explanation