vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-26 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: AZ

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 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.

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 in accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 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: AZ

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 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.

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 in accurate.

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 2023-02-26 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: AZ

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  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.

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 in accurate.

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 2023-02-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I received an email from XXXX XXXX stating they were charging me {$730.00} for my membership. I called the number indicated on the email to inquire about this letter. They informed me that this was a mistake, and they would credit my checking account. I had a XXXX XXXX account in the past due to company doing a background check on me for a XXXX XXXX XXXX. The company was hacked, and we were giving XXXX XXXX to protect our information. 

I trusted the company, so I allowed them access to my checking account. The people from XXXX XXXX then withdrew {$29000.00} from my account. I immediately hung up the phone and contacted Bank of America 's Fraud Dept. BOA took my information and started the investigation. I was instructed by BOA to sign into XXXX and complete a complaint form. The next day, a detective from the XXXX XXXX police department contacted me and took my information. 

For over 60 days, I contacted BOA Fraud Dept once a week. I never spoke to a supervisor. I spoke to customer service rep every time I called. I was always told they are still investigating my claim and they had a lot of other claims they were working on. 

Finally, after 65 plus days, a customer service rep informs me that BOA Fraud Dept can't get the money back and they claim was closed. They were contacted within an hour of the event and should have been able to stop the fraud. In the past week, my debit card has had someone trying to make charges to it 5 times. This is after BOA issued me a new card. I no longer feel my money is safe at Bank of America.

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 2023-02-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
On XXXX, my wife and I attempted to purchase a car with XXXX XXXX. The car was not on the lot so we were instructed by the sales rep at the dealership to complete an online ordering process with another location for vehicle transfer, but first had to do a hard credit pull and deposit to lock it in. I resisted the credit pull until the car was on the lot, but they ensured me this was their process and we could lock in financing within a week or two. We completed a hard credit pull for an auto financing loan with TD Auto Finance on XXXX. After several weeks of silence, lack of follow-ups, and vague answers from the sales rep we realized the dealership misled us to believe a car was identified and didn't actually have a car in their inventory. In XX/XX/2023, we were notified the car we intended to buy in XXXX came on the lot ( the VIN number indicates it was from the factory ). 
Without my knowledge or consent they submitted a deal with TD auto finance again which required the bank to pull my credit a second time, it was blocked as my credit reports are typically frozen. I called XXXX XXXX and voiced my concern and frustration, stated I would like the original credit pull reversed and they instructed me they can not do anything and to contact TD auto finance to dispute the credit report. I called the bank and they informed me they can not discuss credit disputes over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I applied for a Comenity Bank credit card through Victoria Secret and Comenity denied me due to credit worthiness from XXXX which is a consumer reporting agency. According to 12 car 1002.6 & 15 use 1691 states that applicant means any and not in the faith of credit worthiness. XX/XX/XXXX, I received my adverse action letter and on XXXX XXXX I responded to the adverse action letter and they received it and sent it back without responding and giving me my credit card. They are discriminating against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LendingUSA
State: NY

Complaint narrative:
LENDING USA accessed and obtain a copy of my XXXX consumer report without my written authorization. I never gave authorization for this company to obtain a copy of my consumer report. I also sent a notice of dispute for unauthorized credit inquiry by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: RI

Complaint narrative:
In XXXX of 2022, I repeatedly attempted to pay my Victorias Secret credit card bill with Comenity bank on their online app/portal. I continued to get an error, and therefore was unable to pay my bill. I have screenshots to back this up. I then attempted to use the online chat, which also did not work. 
I was charged a {$30.00} late fee, with other interest. I always pay all my bills on time and IN FULL. The companys faulty system made it unable to do so this time. 
I emailed repeatedly, and never received a response. I filled out a XXXX  complaint, and was told that the business will mail me a letter with their findings. I have still yet to receive such letter. Note that XXXX has NUMEROUS complaints on XXXX  website, and all responses I see claim that they will mail a letter. I wonder how many consumers actually received a letter? 
XXXX  should not ignore their customers and charge them for their failures. It should be very simple to reverse a late fee that was their own fault instead of claiming theyll mail a letter that never gets sent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear. CFPB There is incorrect error in my EXPERIAN Credit reports. 
Show that XXXX  XXXX cards open and closed. 
I never had XXXX XXXX cards so please Deleted on my credit reports please. 

In accordance with the Fair Credit Reporting act XXXX Account # 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 2023-02-26 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: CA

Complaint narrative:
Dear. CFPB There is incorrect error in my XXXX XXXX reports. 
Show that XXXX  XXXX cards open and closed. 
I never had XXXX XXXX cards so please Deleted on my credit reports please. 

In accordance with the Fair Credit Reporting act XXXX Account # 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 2023-02-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear. CFPB There is incorrect error in my XXXX Credit reports. 
Show that XXXX  XXXX cards open and closed. 
I never had XXXX XXXX cards so please Deleted on my credit reports please. 

In accordance with the Fair Credit Reporting act XXXX Account # 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 explanation
Consumer complaint received 2023-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I filed a chargeback against XXXX XXXX XXXX XXXX for misleading advertising. The apartment they provided was did not match what they advertised and was not habitable according to California tenant laws. 

When the company found out that I had filed the chargeback, they immediately sent the amount to collections, even as the chargeback was pending. This violated the Fair Credit Billing Act.

I tried to explain to American Express that the company had violated my rights as a consumer filing a chargeback, yet Amex ignored these pleas and rejected the chargeback. 

Now I am facing a debt collection agency trying to collect the money from me and trash my credit while simultaneously having paid the full sum through my Amex card and not getting a refund from Amex. 

The problem was made even more weird by the fact that Amex approved one of the two chargebacks I made against this company for a smaller amount, for {$750.00}, that they charged separately, but not for this bigger transaction of {$7300.00}. Both were charged on XX/XX/2022.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
the reason I was hoping to speak to you was to explain my current delicate and situation between me, the bank of America , & EDD agency... they're at fault of approximately XXXX dollars of mine being stolen all because the bank of America 's system wouldn't update my address change and was sending mail to the wrong address, they kept blaming edd system saying their system goes off what the edd system gives them, but the edd system has made the update to the correct address because I was receiving mail from edd, and because bank of America wouldn't fix this error even though I'd called them at least 40 to 50 times asking them to fix this issue, they said they couldn't and wouldn't and told me to call edd... but because they didn't fix it for over a year, I had no way of viewing bank statements, or my account history, or any way of finding out about the money that had been stolen off of my card that the bank sent our to the wrong address, when they did fix it over a year later, when I did finally find out, I alerted them immediately and filed to get my money back following every step they told me to, and I even had a supervisor of the fraud department tell me not to worry that I would be getting my money back into my account in ten days, but the bank told me after that that person lied and then they began denying my claims ever since, no matter how many times I filed and refiled, I had been hung up on countless times, called names, laughed at and lied to all by bank of America staff and it's all on record with me filling complaints in each person guilty of doing such things,... I only about 6 months ago was told that I needed to go after edd and not bank of America to get my money because there truly at fault for having the faulty system that didn't send out the proper update to bank of america..America... so I began calling andemailing the edd but haven't even got a response or any thing other then a claim number and confirmation that they've received my emails and that's it.. please help me, I've done everything I was told filed police reports, sent them hand written letters explaining the events and what happened, told them who I believed was at fault etc .... I really just need help from someone they won't brush off and be disrespectful to and mistreat for no reason, 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 monetary relief
Consumer complaint received 2023-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: UPGRADE, INC.
State: NY

Complaint narrative:
Upgrade access a copy of my XXXX consumer report without my authorization. I never gave authorization for upgrade to access my XXXX consumer report. I sent a notice of dispute for unauthorized credit inquiry through mail as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: CT

Complaint narrative:
Cash App financial has held my money through a hotel hold. After my hotel stay, the financial app instructed me to furnish a final bill to show that their was a XXXX balance, and therefore can release my funds. I did that, and the hotel confirmed funds have been released. Then the financial app told me I had to wait within 14 days for funds to be released. It has been 16 days and yet they still refuse to release my funds. Ive exhausted all means in trying to retrieve my funds.Their customer service are unprofessional and discourteous. Thank you for your attention in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LendingPoint Holdings LLC
State: NY

Complaint narrative:
Lending Point LLC accessed my XXXX consumer report without my authorization. I never gave this company authorization to acces either reports. I also sent a notice to dispute for unauthorized credit inquiries through mail

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
GOLDMANSACHS acces my XXXX consumer report without my auhtorization. I never gave this company authorization to access both XXXX XXXX  consumer report. I also send a notice of dispute for unauthorized credit inquiry through mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 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: GA

Complaint narrative:
I entered into a payment plan with Synchronicity Bank for my TJ Max Rewards credit card and set up an initial payment. The payment was not processed until a week later at which point due to a bank issue where a deposit was delayed, the payment did not go through. When I contacted Synchronicity I was told that there was no record of me having made a payment plan. I expressed my concerns over being reported for a 30 day late payment hence my attempt to make payment arrangements and was assured that as long as I made a payment prior to XX/XX/23 I would not be in any danger of my payment being reported as 30 days late to the credit bureaus. While on the phone with the reprsentative I made an online payment of {$110.00}, far more than I was told I would need to for the payment arrangement which seemed to have never occurred according to the representative. Again, my concern was the negative impact a 30 day late payment would have on my credit score. The payment was processed and I took a screenshot just to make sure in case I encountered yet another issue with this bank. I just received a credit alert that my score has decreased and the reason is that this bank reported me as being 30 days late despite my payment just a day prior to the cut off. Every bit of information I have been given by the representatives I spoke with at this bank has been incredibly faulty and misleading. I am now having to deal with a late payment that I made every good faith effort to avoid and have substantial proof of this.

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 2023-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Upstart Holdings, Inc.
State: NY

Complaint narrative:
Upstart network inc obtain and accessed a copy of my XXXX consumer report without my written authorization. I never gave this company authorization to XXXX  a copy of my XXXX consumer report. I also sent a notice of dispute for unauthorized credit inquiry by mail.

Company response to consumer: Closed with explanation