vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am deeply disappointed by your failure to provide documented proof of compliance with reporting standards and consumer laws, which is a significant deficiency. I demand the immediate deletion of this flawed and inaccurate report, or else legal action will be taken for the non compliance with the relevant legal requirements. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) {$4700.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX ) {$2800.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX  ) {$2200.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX {$640.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX {$600.00} XXXX  {$11000.00} XXXX XXXX XXXX {$640.00} XXXX {$0.00} XXXX XXXX {$0.00}

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 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I'm trying to buy house and i came out of XXXX and collections and late payments are affecting my credit report collection company are not being professional according to the 15 USC1681 law there should not be any damages on report is defamation to my character

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 2023-10-31 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Synchrony Bank has decreased my line of credit on BOTH my Sam 's Club Card AND my Amazon cards citing that I have balances that are too high AND citing that I don't have real estate on my credit report. I can't help that and I feel these actions are unjustified.

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 2023-10-31 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: NC

Complaint narrative:
Equifax is reporting inaccurate and false information on my report.The account in question has fraudulent charges, wrong balances, and dates. I decided to settle the account despite the charges but the account remains reporting as if I own it and with the invalid charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed complaints about false information appearing on my credit report with XXXX, Equifax, and XXXX. I informed them of the infractions they were committing on my consumer report and provided a list of the accounts. They haven't responded in more than 60 days. Copies of every letter sent are attached below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: WA

Complaint narrative:
XXXX XXXX deactivated my account with them on XX/XX/23. I understand they reserve the right do to this and hold any balance of funds I had earned while using them. They sent me correspondence via email that was unclear regarding what to do with that correspondence. That email quoted a hold of my funds for EITHER 3 months or 6 months but was not specific, nor did it provide a clear date of release. I waited 3 months and attempted to transfer my funds, they were still being held. I waited an additional 3 months in order to suffice the 6 months that ( according to THEM ) was the maximum my funds would be held. They continued to hold the funds. I began reaching out to XXXX for assistance with how to remedy this. Responses included : - Refer to your original email - That is not my department- I don't have additional information about that for you and in all, XXXX attempts to assist with recouping my funds that they stated would be on hold up to 6 months. I have not received any additional correspondence outlining a change in hold times or an extension of hold time. When I contact them the do not give specific answers, typically stating processing time for these requests are approximated XXXX hours, only to then receive a generic response like the ones listed above. Furthermore, when I inquire about the inconsistencies in quotes, timeframes, or lack of correspondence, the reps I have spoken with simply do not acknowledge or respond to my line of questioning. The phone number will hang out the call, the online instant messaging reps with stop responding unless I open a new conversation ( and then the pattern repeats ), and via email I will not get a response. XXXX also states that they do not retain any documentation of the correspondence they send to me ( or " clients ), but very adamantly states that the email correspondence is what reps are required to go by. When I asked for a copy of said documentation ( that was supposedly sent to me ) they are unable to provide it. 
Desired settlement : Release funds in the amount of {$200.00} and fully close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
See document attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
Auto dealership forge my signature with Golden one bank. I tried to dispute the charge off against my name for {$25000.00} but I was denied by the bank, even when supporting documents from the court stating that I was awarded an abstract of judgement for {$43000.00} XXXX XXXX superior court of XXXX XXXX XXXX XXXX which was never satisfied and it is now a tort or dormant judgement. All necessary documents was provided to them and they still denied it. My case still open since 2010 with no movement becaused I can not afford a lawyer and could not get a loan due to credit issues. I tried getting help from FBI and Secretary of State but no help at all. Please let me know if you could help me out. 

Thank you 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 2023-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Several inquiries were made in my name on all XXXX credit bureaus beginning XX/XX/2023. An XXXX XXXX credit card was approved in my name although I never applied for it and I never requested these inquiries on my credit. I received an alert from my bank and then an email stating the credit card was on its way. I notified XXXX XXXX that this was a fraudulent request and the card was cancelled before the thief even received it in the mail, although they had already activated it online. I correct the email address and phone number XXXX had listed for me since it belonged to the thief and not me. I activated a security freeze on my XXXX and Transunion accounts so far.

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 2023-10-31 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: FL

Complaint narrative:
Several inquiries were made in my name on all 3 credit bureaus beginning XX/XX/2023. An XXXX XXXX credit card was approved in my name although I never applied for it and I never requested these inquiries on my credit. I received an alert from my bank and then an email stating the credit card was on its way. I notified XXXX XXXX that this was a fraudulent request and the card was cancelled before the thief even received it in the mail, although they had already activated it online. I correct the email address and phone number Experian had listed for me since it belonged to the thief and not me. I activated a security freeze on my Experian and XXXX accounts so far.

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 2023-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: KEYCORP
State: NY

Complaint narrative:
On XX/XX/2023, I was paid a direct deposit by my employer. I transferred some money from my XXXX XXXX XXXX XXXXXXXX account ( under KeyBank ) to another account I owned under my name, but my entire account was restricted and I am locked out of being able to access any funds in my XXXX XXXX  accounts. Moreover, I wasn't even given a notice of this restriction or an explanation as to why over the weekend until I called myself on Monday during their weekday-only business hours. Apparently this issue is widespread as many others across the web have posted similar holds/restrictions for some reason.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I never used this company but this merchant took out money from my account several times. I request my bank ( WellsFargo ) to step in for help. 
WellsFargo couldnt proceed further and advised me to contact the merchant ( XXXX ). Its been 4 months that I am dealing with XXXX but cant get any result beside we will update you

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 2023-10-31 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX, XXXX ( Original Creditor : XXXX 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 an 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 explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
On XXXX XX/XX/XXXX- I applied for an American Express XXXX Credit Card which had a Promotional Offer of 0 % APR interest for 15 months for a balance transfers and XXXX  % APR interest for new purchases for the first 15 months of opening the account. The Balance Transfer fee was XXXX  %. 

American Express made me read the Terms and Conditions of the card and I printed them out at XXXX PM ( See Attachment XXXX ). At XXXX PM, I received an email that I was approved for the card ( See Attachment 2 ). 

I borrowed {$5000.00} from American Express and used the funds to pay {$4000.00} towards a high interest credit card and another {$1000.00} towards another high interest credit card. The Balance Transfer Fees charged were {$120.00} and {$30.00} dollars, respectively. ( See Attachment 3 ). 

When I received my statement today XXXX XX/XX/XXXX, along with the {$150.00} Balance Transfer Fee, American Express also charged me {$64.00} Interest and and additional {$1.00} Interest Charge on Promotional Balances, which is an additional interest charge on the Balance Transfer. ( See Attachment 4 ) I was supposed to get XXXX months, XXXX  % Interest on this card for my Balance Transfer. I called American Express and told them I printed the Terms and Conditions at the time of application. The representatives bounced me around to different representatives and would not help me. I told them I was filing a CFPB complaint for not complying with the conditions they promised me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX, XXXX ( Original Creditor : XXXX 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 an 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 2023-10-31 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: Kikoff Inc.
State: CA

Complaint narrative:
Upon completion of this credit building program I earned XXXX that was supposed to be deposited in my bank account that they have on file. First when I tried I was denied because they said that I needed to use another account. They deducted money from the account on a monthly basis now the account is not valid. I was in contact with someone who told me that she was working on it Here are a sample of the emails : XXXX XXXX, Thank you for reaching out to us, Upon reviewing our records i see that you need to re verified in order to be used. Please note that over time this connected XXXX accounts need to be re-authenticated. 

If you have any further questions, please reach out to us, and I'll be more than glad to help you. 

Best, XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX ( 7 days ago ) to me Hi XXXX XXXX Thank you for your response, We apologize for the late response, we carefully reviewed the information you sent to verify your bank and it has all the criterias we asked for. I have manually approve it please don't hesitate to let me know if you have any additional questions! 


On XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wrote : I got an error message to use a different bank account of go to my linked account to verify my linked account. My linked account has not changed. There is nothing to verify on my account. 
XXXX XXXX XXXX XXXX XX/XX/2023, XXXX ( 4 days ago ) to XXXX XXXX nothing. Sad that you think that it is okay to play with a person ' ; XXXX mind like you have. I have not done anything wrong and yet you are playing a game with me. Why? 

I have read other online review similar to my situation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX 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 an 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 2023-10-31 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian refuses to respond to the statement in my letter that includes consumer law! They have ignored the laws that govern them and have not given any explanation or rebuttal against my findings.

I need the CFPB to hold Experian accountable for their negligence! I have accounts and inquiries that are not supposed to be on my credit report and they need to comply with the laws that govern them as stipulated in MY LETTER!

Otherwise I will have no choice but to involve court!

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 2023-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: FISERV FINXACT CORE
State: NY

Complaint narrative:
Once again FISERV via XXXX and XXXXXXXX XXXX are preventing our law firm from getting paid by our clients. See the attached latest example.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: FL

Complaint narrative:
XXXX only began to service my student loans in XX/XX/2023. At that time, XXXX erroneously reported my account 90 days delinquent which is not possible because XXXX became my loan servicer in XX/XX/2023. At the same time, EdFinancial, my previous student loan servicer erroneously reported my accounts 90 days delinquent which caused my XXXX XXXX to plummet XXXX points! XXXX accounts were reporting 90 days delinquent. Now, XXXX is reporting 60 days delinquent and current, which is also erroneous. 

EdFinancial is reporting 90 days delinquent and a XXXX balance because the account was transferred to XXXX. XXXX accounts should not report the same erroneous information. According to consumer protection laws, EdFinancial should be removed and XXXX should report paying as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
I applied and received a credit card from Bank of America earlier this year. 
I was using it to purchase items from XXXX and XXXX different times they blocked my card saying they suspected fraud. The first verification was late at night here in Hawaii where I live. The guy asked me questions about my credit history and it was very confusing, so I guess I didn't answer them correctly. The next day I talked to someone else who was able to verify my purchases. Then when I went to use my card again I was blocked again. I had even set up alerts in case there was fraud. They blocked me again and this time they said I had to physically verify my identity in a Bank of America branch. I live in Hawaii and there is no Bank of Ameria branch. Then next thing I know my account is closed. 
I just talked to someone today and I can't even make payments online. I have to send a check in. 
I am very humiliated as I am a XXXX  and I am XXXX  and work full time making $ XXXX a year. I have no reason to commit fraud, and I just want my credit card to be reopened so I can use and make payments. 
I am hoping you can help fix this situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: LA

Complaint narrative:
There were several accounts that are now closed that were open with my knowledge or permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have never authorized, consented to nor benetted from the following accounts/inquires please remove the following within 4 business days pursuant to 15 USC 1681n - Civil liability for willful noncompliance : 1 ) XXXX XXXX 2 ) XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX XXXX XXXX Inquries : 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 non-monetary relief