vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Brightside Benefit, Inc.
State: MI

Complaint narrative:
The Continued Discrimination and deprivation of rights by Brightside Benefit is as follows : I applied for a loan through Brightside Benefit with XXXX XXXX XXXXXXXX XXXX as a consumer pursuant to 15 USC 1692a ( 3 ). Brightside Benefit representatives has continued to illegally force a {$33000.00} base pay requirement in which they have stated that XXXX and XXXX XXXX  has instructed them to enforce that illegal base pay requirement. Upon speaking to XXXX and XXXX XXXX  representatives on XX/XX/2023 they both stated that the {$33000.00} base pay requirement does not extort and that I am free to apply the same as anyone else in which I informed Brightside of XXXX & XXXXXXXX XXXX. Brightside stated in the attached screenshot for me to obtain something in writing from XXXX XXXX XXXXXXXX XXXX in which I have. On XX/XX/2023 I spoke with Brightside representatives and they continued to enforce the illegal basepay requirement. Brightside Benefit representatives further verbally enforced the base pay requirements that they stated is enforced by XXXX, they then shifted the blame on my employer, they then shifted the blame to a question that I answered to apply for services. As a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have been knowingly with willful intent discriminated against by Brightside Benefit and their representatives. I have obtained a written email from XXXX XXXX XXXX XXXX XXXXXXXX that there is no basepay requirement whatsoever. Pursuant to 15 USC 1691e ( a ) and 15 USC 1691e ( 2 ) I have suffered damages due to the actions of Brightside Benefit and their representatives they are civilly liable for me being an aggrieved applicant in which I am entitled to and am demanding damages in the amount of {$5000.00}. After emailing the XXXX email response attached below and adding it to the chat Brightside Benefit stated during a call held on XX/XX/2023 that they will have a manager contact me but they can not guarantee contact. The CEO of Brightside Benefit Inc. is XXXX XXXX. I have have yhos business many chances to remedy this matter. Pursuant to 12 USC 4502 ( 6 ) I have compensation in relation to employment not income. As a consumer I am demanding that Brightside Benefit provide the documentary evidence with supporting laws that they have the authority to dictate what I can and cant apply for as a XXXX XXXX and a National of the several states. This business has knowingly with willful intent caused me damages as an aggrieved applicant for their acts of discrimination and deprivation of rights practiced against me. This complaint was made in good faith, peacefully, and respectfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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: U.S. BANCORP
State: CA

Complaint narrative:
On XXXX XXXX or XXXX / 2022 I called use bank and told them I left my wallet and phones at jewelry shop in the XXXX XXXX located in California I told the because I do not have my phone with me so when I`m trying to login to my online banking to check the activities It s asking for a pin for verifications which it send to my phone so I do not have my phone with me so I cant check my online ban king or I wont get notification if there are charges on my account. I called them during night time lets say between XXXX till XXXX because when I went bacK to get them the mall was closed. 
they customer service refuse to block or put a hold on my account and they told me if something happens you can dispute the transaction! 
there where almost about XXXX worth of transactions on my account I called them on Monday and dispute those transactions after 2 months calling them regarding my case status they were keep saying it s been under investigation! 
and when I called last time the supervisor called me back and told me next morning they will credit it back to my account. they did 2 wire transfers each about like XXXX from XXXX XXXX  and that was wired usually you get refunded by each transaction not like full amount in once so then I was okey there have not refunded me the XXXX remaining balance so I waited two days and while I was waiting they called me and told me after 3 months investigating all those transactions are correct and they told me now I Owen them for those transactions which it was about XXXX so they took almost more then XXXX from my account and they put XXXX  negative balance on my account and then blocked me from online banking so I lost almost XXXX over there and I had to wait 3 months for them to refund me the XXXX which they did XXXX and retook it right after 2 days and closed my business account then every month they called me and harassed me and Now I`m keep getting letters from Debt collections. because of their actions I lost my time lost money and after that I could not open up another bank account for my business .please help me out to resolve my issues all my calls are recorded with them so I`m at the right side I have not done anything wrong and they just used their power and did all those stuff to me.Please help me out if it s possible to save my money and account. 
thank you my name is XXXX XXXX and my company name was 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 2023-05-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted a complaint last XX/XX/XXXX, XXXX responded but XXXX and Equifax 's response is still in progress. Some items are deleted but there are still FRAUDULENT items on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. I DO NOT have any idea regarding these fraudulent accounts on my credit report. These accounts are NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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:
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,, 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 2023-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance Owed : {$640.00} XXXX XXXX XXXX Balance Owed : {$640.00}

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 2023-05-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Round Up Ventures, L.P.
State: FL

Complaint narrative:
Lendly Loans also known as XXXX XXXXXXXX XXXX XXXX XXXX ( Account # XXXX ) they have placed incorrect information on my Credit Report. This was an online payday loan and they reported it falsely on my credit report as a MEDICAL! The balance reported to ALL 3 Credit Agencies are all incorrect and completely different. I'm not sure why this Payday Loan Company is reporting false information that is a violation of defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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: NC

Complaint narrative:
Edfinancial transferred my loans to their new system, which required registration for a new account. My loans were still being serviced by Edfinancial under this new system. After registering, my loans reflected different, higher balances than what were previously shown on their old system. I contacted customer support who said they can only put in a request to investigate the issue and won't give me a timeline of when that will be completed. It has been frustrating dealing with this company, as I've previously filed complaints for them recently where the misplaced funds from payments I made towards my loans, as well as issues registering for their new system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 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: 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 Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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 ay of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedated 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 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 2023-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
I am writing to formally lodge a complaint against Apple Card and its banking partner, Goldman Sachs, due to the inexplicable and repeated restrictions placed on my Apple Credit Card and Apple Savings Account. The restrictions have not only caused me undue stress and inconvenience but have also resulted in the unwarranted withholding of my own funds. 

Starting from XX/XX/2023, my Apple Credit Card has been restricted three times, with each instance leaving me in an extremely difficult position. Subsequently, my Apple Savings Account was also restricted. Upon contacting the company, I was informed that my accounts were under review, a process they claimed would take a maximum of ten business days. 

However, today marks the end of the third week since the initial restrictions were placed, and no resolutions have been offered or intimated to me. I have made numerous attempts to rectify this situation through Apple Card 's customer service and the corresponding department, yet these attempts have proven to be futile. My requests for a legitimate reason for the restrictions imposed have been consistently ignored or inadequately answered. 

Despite my diligent efforts in escalating my case four times in conjunction with both Apple Card and Goldman Sachs ' team, the responses I received were generic and non-committal. This lack of concrete communication and action from their side has put me in an undesirable position where my own funds are effectively inaccessible to me. 

Thank you in advance for your prompt attention to this matter. I trust that you will act decisively to uphold my rights as a consumer and help me regain control of my financial resources.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
I have a debt collection that's reporting on my credit for a company that I did not authorize nor grant permission. The account was originally opened on XX/XX/2018 for a creditor that I have no knowledge of by the name of " XXXX XXXX '' in the amount of {$2500.00}

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 2023-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-29 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: FL

Complaint narrative:
This is my other complaint that I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the three credit reporting agencies to review these items ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the following incorrect information on my credit report. 
XXXX XXXX XXXXXXXX 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 2023-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: GA

Complaint narrative:
Im now having to reopen my complaint because you closed the last one just because they responded with the same lies theyve been feeding me and now you. Ive have shown undisputed proof to backup everything I have said and they havent provided not one thing to support their opinion. But yet you still threw me to the side and closed the claim because they said what lie they wanted you to hear. They also said to open a dispute so they could fix it and get my money. Well guess what? Ive already opned that dispute 4 times and they keep denying it and saying that same XXXX  about the merchant voiding the refund. Ive shown remarkable proof that the merchant never voided the refund. I have actual visible proof either the merchant stating that never happened. They even provided a confirmation / tracking # where the refund was successfully completed on their end. But cashapp  has the guts to sit here and lie and still say they voided it. The truth is Cashapp voided the refund and it must have been by mistake or whatever. I think they meant to void to original purchase transaction but instead voided the refund I should have received on XXXX. The refund even shows on my statement for XXXX sake and says the transaction was voided and the funds were returne me to my balance. That would have been great if it was the actual purchase transaction they voided and not the actual refund that the merchant did in fact send to me. Im once again uploading proof of all this. Just look at the files Im uploading. Cashapp is lying or theyre too ignorant to figure out what Ive just said happened and either way they have no business being in charge of peoples money in no shape way or form.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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: NM

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  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 2023-05-26 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: TX

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, 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 2023-05-26 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: TX

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 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