vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: MN

Complaint narrative:
after giving a substantial amount money to Discover card for a prepaid card & waiting for it ; after I received it, I activated it and tried to set up an account on their app. 
they took a substantial amount of information to set up the card, they took my money. Immediately, they had me enter more private information to try open up the account, so I can actually see, and use my account on their app, and the system would not work to let me set it up. 
I followed their parameters meticulously. I took precious amounts of time to follow their customer service direction that sent me to another customer service that sent me to another customer service. 
during one of these brief encounters, they had me set up a different way of addressing this failure of their IT or business practice being set up to exploit lower income & credit disadvantage people people. The last attempt at trying to set up the account. They had me enter four digit code instead of a user ID and it said it can not do it. yeah after all the grief they gave me and canceling my card this morning I get congratulations. Your four digit code is ready to go after it told me it could not work. I have many screen shots of my attempts and names, ids attempted of setting up the account user ID and enter the four digit code, along with a copy of their parameters for these, and it would not let me. With their customer service less than motivated to solve the problem or address information, I gave them basically completely ignoring it, I was terrified that they had all of my information and they're now making my credit worse putting it at Jeopardy more. after I went to close the account, they tell you that you don't get your money for over two months.

I am not a lawyer I can not afford a lawyer I can not afford to have them sitting and rolling around in my money that they took so easily, but will not address their failures in their IT. I hope this agency has some understanding of what they may be at fault of or if you just all in bed with them I am shocked at how this played out. I am terrified of what they've done to my credit now and they have my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I'm not associated with these creditors and I never initiated this inquiry. I urge you to promptly delete it from my credit report.

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 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I'm not associated with these creditors and I never initiated this inquiry. I urge you to promptly delete it from my credit report.

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 2023-10-10 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: IL

Complaint narrative:
Transunion is causing me pain and suffering. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX are in violation of the Privacy Act of 1974. I did not give XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX consent to report my nonpublic personal information. As well as, I do not ever remember doing business with any of these companies. Because my privacy rights are being violated, my family and I are suffering emotional damages, mental stress and health issues. I am suffering emotional damage while I am trying to purchase a safe and suitable home for my children. Me and my children will be homeless, because I cant get a home. All because Transunion has falsely obtained and disclosed my nonpublic personal information without my written consent required by public law. I am exercising my right to opt out of Transunion disclosing and collecting my information on these accounts, 15 U.S.C. 6802 6804 Obligations with respect to disclosures of personal information. Transunion is a non-affiliate third party to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. Because these companies sent my personal information to Transunion more fraud has been committed against me. I would like for Transunion to give me the document I signed to give consent to share my nonpublic personal information. And if Transunion somehow finds forged consent, I still have an inalienable right to exercise my right to opt out. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' My intent is to seek legal counsel ; however, I am giving Transunion the chance to resolve this issue outside of the court system.

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 2023-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
Without acknowledging the request for validation, this account was applied to all 3 consumer reporting agencies on XX/XX/2023.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
It's unreasonable, given that I've consistently made payments on this account promptly without any delays. Kindly adjust my account to reflect the correct payment history.

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 2023-10-10 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: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I was checking my accounts statement I see a few transactions from XXXX which I didnt make. I call my bank to let them know about the problem and I open fraudulent dispute with my bank. Got email today saying my fraud claims was denied without further explanation. I call my bank about the denial the person from the bank just yes my fraud claim was denied I ask for the reason she couldnt give me a reason why it was denied.

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 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I am writing to request the removal of inaccurate late payment information on my XXXX, XXXX and XXXX credit report. Up until this recent account issue, l 've had no missed payments with with the Goldman Sachs Apple Credit Card firm since my credit card was first originated or ever in my credit history lifetime. 

I recently pulled my credit report with XXXX, XXXX, and XXXX and discovered I now have a XX/XX/2023 missed payment reporting on my Goldman Sachs Apple credit card account ( Goldman Sachs is the underwriter ). 

My XX/XX/2023 XXXX credit card statement states a payment was due by XXXX XXXX, as shown in the attached page of my statement. On XXXX XXXX, a payment for the minimum balance, {$440.00} was made, as shown in the attached photo. 

Thus making my missed XX/XX/2023 Apple credit card payment inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act Wakefield, 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 an account without my written instructions. 

I sent a letter to Wakefield on XX/XX/2023 and and XX/XX/2023 requesting validation, proof of contract, certified copy of the authentic copy of my signature, request a itemized statement of the accounts they are claiming I have with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I preordered a book from an online seller on XX/XX/XXXX. The book release was delayed due to the COVID lockdown. The book started to ship on XX/XX/XXXX. I never received the book. I have contacted the merchant several times to check the status and was told that the book would ship soon. Then the merchant stopped responding to my messages. I contacted Chase to request the book or a refund but my claim was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the three credit reporting acts, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy15 U.S. Code 1681s2 -. It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 B ( A ) creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late foranypurpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the three credit reporting acts, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy15 U.S. Code 1681s2 -. It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 B ( A ) creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late foranypurpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the three credit reporting acts, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy15 U.S. Code 1681s2 -. It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 B ( A ) creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late foranypurpose.

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 2023-10-10 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
An XXXX XXXX was reported to my XXXX XXXX on XX/XX/2023. 

A Notice and Demand For Unauthorized Inquiry on my Consumer Report was sent to the creditor via USPS Certified Mail on XX/XX/2023. A copy of this letter and confirmation receipt is attached below. 

*USPS Certified Mail : XXXX - Delivered XXXX This Creditor had No Permissible Purpose to obtain my consumer report information. 

This Creditor has not responded in return and it has been over 30 Days from the date of receipt of my Notice and Demand letter. 

Please Delete/ Remove this inquiry from my consumer reports as soon as possible. 

Thank You In Advance, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-10 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: 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.

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 informationisinaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of XXXX  and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
It's unreasonable, given that I've consistently made payments on this account promptly without any delays. Kindly adjust my account to reflect the correct payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: KS

Complaint narrative:
I have tried contacting MOHELA multiple times and have been met with a wait time of 155 minutes, minimum.

I made my payment on the due date, online, and four days later it is still showing as processing. Meanwhile, my balance is growing and the interest is accruing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: DE

Complaint narrative:
I recently graduated from XXXX schooling in XX/XX/XXXX and my correct deferment date should be XX/XX/XXXX. I originally reached out to EDFinancial Services on XX/XX/XXXX through email, to address that my deferment date was incorrect. I received no response or email back. I then placed 2 calls on XX/XX/XXXX and received a callback later that day. Unfortunately I missed the call and placed myself on the callback list again on XX/XX/XXXX but never received a callback. I called today XX/XX/XXXX at XXXX and talked to a representative around XXXX pm. I explained to her that I recently graduated in XX/XX/XXXX and my correct deferment date should be XX/XX/XXXX like my other loans. The representative disagreed and claimed that I was below half-time in XX/XX/XXXX. This information is false and upon further investigation my enrollment records state that I was in fact full-time during the XXXX school year. The representative claimed that there was nothing they could do and I would have to pay the loan this month. I have already uploaded my enrollment verification, but the representative asked me to email the records to them and believe that the service provider is behaving fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I reported this citicard Cbna company for several months, XXXX keeps sending this back as verified with no proof, the balance is wrong I reported account as identity theft and fraud because charges was made without my authorization when I was out the country and XXXX didn't investigate the account correctly, if they would have they would have seen that the Citi bank disputes was for the same account, not to different accounts and amounts. I have sent identity theft and police report already

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 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I reported this XXXX XXXX company for several months, Equifax keeps sending this back as verified with no proof, the balance is wrong I reported account as identity theft and fraud because charges was made without my authorization when I was out the country and Equifax didn't investigate the account correctly, if they would have they would have seen that the XXXX bank disputes was for the same account, not to different accounts and amounts. I have sent identity theft and police report already

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: FL

Complaint narrative:
Discover card is not mine, still on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 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:
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 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Landis Technologies, Inc.
State: NY

Complaint narrative:
I recently came in contact with Landis ( XXXX XXXX NY ) regarding home ownership opportunities. It would appear that the company steers prospective homebuyers to certain realtors and mortgage lenders that on its surface violates RESPA / TILA / Reg Z. They also seem to pay referring realtors a fee that would also violate lending laws. The company seems to be violating consumer privacy and fair treatment rules as part of their core business. Please investigate to ensure they are legitimate and not predatory. There practices around appraisal and appraisal reconsiderations should also be analyzed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable.

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