vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-08 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: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I checked my credit report and looked on my soft pulls. Portfolio Recovery is spamming soft pulls. I do not have any account with them on my credit report or authorized this company. Why would they be doing that? 

PORTFOLIO RECOV ASSOC Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Why the heck is Portfolio Recovery doing Soft pull spams on my account? 
A debt collector only has permissible purpose to obtain a consumer 's credit report if they have active collection authority. 
FCRA 604 ( a ) ( 3 ) ( A ).

If the debt collector does not have active collection authority on a debt of the consumer, they have no permissilbe purpose. 
The FCRA requires that a party requesting a credit report must provide one or more of the permissible purposes set forth under FCRA 604 if the consumer has not provided express authorization to the CRA for the debt collector to obtain a credit report.

If there is no unpaid debt for which the debt collector has active collection authority, then they lack permissible purpose, and their inquiries are a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
I am writing to file a formal complaint against Apple Card, issued by Goldman Sachs Bank USA, regarding serious violations of the Gramm-Leach-Bliley Act ( GLBA ) and the Fair Credit Reporting Act ( FCRA ). I believe these violations have caused significant harm, including retaliation and financial damages. 

On XX/XX/, I was approved for an Apple Card credit account with a credit limit of {$10000.00}. However, Apple Card failed to provide me with the required GLBA compliance disclosure regarding my right to Opt Out of third-party sharing of my personal information, as mandated by 15 USC 6802 of the GLBA. Despite my subsequent exercise of this right by mailing a notice to Apple Card, explicitly denying consent to share my personal information with third parties, Apple Card reported my account information to the top three Credit Reporting Agencies ( CRA ) without adhering to my Opt Out request. 

Recognizing this as an impermissible disclosure of my personal information and identity theft, I promptly disputed these items with the CRAs and provided them with copies of my Affidavit and the Federal Trade Commission ( FTC ) Identity Theft Report. As a result of my dispute, the account and related inquiry were immediately removed from my credit reports.

In response to my exercise of privacy rights under the GLBA and FCRA, Apple Card, issued by Goldman Sachs, engaged in discriminatory actions against me, constituting a violation of 15 USC 1691 ( a ) ( 3 ). Apple Card retaliated by closing my Apple Card account, citing " There was a failure to comply with the terms of the Customer Agreement. '' I wish to emphasize that the Customer Agreement 's section on " Credit Information & Credit Reporting '' does not provide a compliant GLBA and FCRA disclosure, which is required by federal law. This disclosure should clearly explain consumers ' rights under the GLBA, specifically the right to Opt Out of third-party sharing, and the consequences of non-compliance by the financial institution.

Furthermore, after closing my account, Apple Card re-furnished the account information back to my credit report as " verified. '' This action is unwarranted and in direct violation of the FCRA, given that my dispute led to the removal of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I recently tried to deposit a check on behalf of my incarcerated boyfriend. He had received a {$3500.00} check from XXXX XXXX XXXXXXXX as part of a bail settlement stemming from a recent class-action lawsuit. I endorsed the check and deposited it online into my personal account with Chase. Soon after, I found my account frozen, and I received an email stating my account had restrictions. 
On XX/XX/XXXX, I contacted Chase to explain the situation. They advised me to visit a local branch with my identification to resolve the issue. I followed their guidance and visited a branch on XX/XX/XXXX, where I explained the circumstances to the representative. Interestingly, they mentioned uncertainty about why I was directed to the branch and suggested contacting Chase over the phone. 
The branch representative made a call to Chase on my behalf and asked a series of questions. Following this, they conveyed that Chase would not only hold the funds from the check but also freeze the funds I had in my account prior to the check deposit. Chase informed me that unless the payee could verify his identity and provide a confirmed contact number, they would close my account and retain the {$3500.00} check indefinitely, with the possibility of handing it over to the state after XXXX years. Furthermore, they indicated that I would no longer be eligible to maintain an account with them. 
I have been a loyal Chase customer for over XXXX years, and this situation is causing me a huge financial strain and inconvenience. The fact that they won't even return the verified check is beyond me. This has put me in a difficult position, and I am left with limited options. I believe the situation is unjust and unfair. At this point, I am unsure about my next steps and which is why I am filing a complaint with the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX & XX/XX/XXXX, I sent certified mail to TransUnion, along with 3 forms of id. XXXX XXXX XXXXXXXX, XXXX ) This is a formal complaint of your non-compliance with FCRA 611 ( a ) ( 1 ) and FCRA 611 ( a ) ( 6 ) ( A ).

Under the provisions of FCRA 611 ( a ) ( 1 ), you are required to have conducted a reinvestigation of my dispute filed ( ) and to have concluded that reinvestigation within 30 days of your date of receipt of my dispute. 



Under the provisions of FCRA 611 ( a ) ( 6 ) ( A ), you are required to have provided me written notice of the results of your reinvestigation within 5 business days of the completion of your reinvestigation. 



To date, I have received no notice of results of your reinvestigation. Since the statuory periods have expired, I consider you to be in violation of the cited sections of the FCRA.

Based on your failure to verify the disputed information, you are required under section 611 ( a ) ( 1 ) to immediately delete the disputed information from my credit file.

Thus, my complaint will be satisfied by timely deletion of the disputed information.

I am contemplating filing a formal complaint with the FTC for your violation of your reinvestigation requirements. I would prefer to forgo such a complaint provided that I receive an immediate notice of the results of your reinvestigation or deletion of the disputed information from my credit file.

Based on your failure to timely complete your reinvestigation and provide notice to me, I additionally request, under the provisions of FCRA 611 ( a ) ( 6 ) ( B ) ( III ) and FCRA 611 ( a ) ( 7 ), that your notification of results of your reinvestigation also include a description of the procedures you used to determine the results of your reinvestigation.

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 2023-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one closed account because my payment was from an autopay account that did not have sufficient funds, because I had just switched banks from a bank that had a bank run on it to a more secure bank and when I inputted new autopay information to CC company I clicked checking instead of savings. After years of timely payments with no late payments ever, capital one decided to close my account for one missed payment due to this switch. They have been trying to charge me a late fee which I would not like to pay, as I immediately payed bill when I noticed the autopay did not go through. And they tried to charge me interest on a later missed payment when they approved a charge on my card when my account had been closed and then tried to charge me a missed payment fee on not making a payment for that transaction. I paid the amount due for the charge, as I received it, but they did not waive the interest. Now, I have a mark on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
In accordance to the Federal Fair Credit Reporting act, this creditor have violated my rights. Under 15U.S.C1681 sec. 602 ( 4 ) states I have a right to privacy. 15U.S.C1681 sec 604 ( a ) sec 2 also states consumer reporting agency can not furnished account without my written instructions. 15U.S.C1666 ( b ). A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered.

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 2023-10-08 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: VA

Complaint narrative:
Last month I received a drop in my credit score because of a collection from XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, DE XXXX randomly showing up on my credit report. I wrote a letter for this agency to provide me with a contract that has my signature. It has now been over 45 days and i have yet to receive anything. I have no knowledge of this account and i demand that it be remove from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08 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: VA

Complaint narrative:
Last month I received a drop in my credit score because of a collection from XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, DE XXXX randomly showing up on my credit report. I wrote a letter for this agency to provide me with a contract that has my signature. It has now been over 45 days and i have yet to receive anything. I have no knowledge of this account and i demand that it be remove 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 2023-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: MS

Complaint narrative:
I recently filed a complaint on XXXX for my XXXX account 3rd party debt that I don't have any knowledge of. Now I'm filing a new complaint for XXXX account I have no knowledge of this account I am requesting sign documents.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
Comenity Bank Calls from different numbers repeatedly I will do a request for each # separately here are Dates and times for the XXXX phone number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX That's 8 calls in a 3 day period. Other numbers called on same days different times I will report those as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX In accordance with the Fair Credit Reporting Act ( FCRA ) as stipulated under 15 U.S.C. 1681n, I hereby request that TRANSUNION compensate me in the amount of {$3000.00} for each unauthorized inquiry and violation present on my credit profile, not a non-monetary relief. Furthermore, I demand that TRANSUNION formally recognize and admit to the breach of the FCRA, specifically under the provisions of 15 U.S.C. 1681a ( 2 ) ( K ). I expect written confirmation of this acknowledgment, accompanied by a comprehensive notice detailing the nature and extent of the violation.

In addition, I would like to draw attention to 15 U.S.C. 16802, which further underscores the importance of transparent communication between credit reporting agencies and consumers. To ensure clarity and a mutual understanding of the resolution terms, I urge TRANSUNION to establish mechanisms that promote open and transparent communication between us.

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 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
Specialized Loan Services a XXXX old account that was payed off and closed in good standard was removed from my credit report XXXX XXXX & XXXX XXXXXXXX  and have affected my credit score tremendously. These remarks have caused me very offending harm with all credit bureaus on my report, dropping my credit score.

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 2023-10-08 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: GA

Complaint narrative:
I received my credit reports, and after carefully reviewing them, I discovered inaccuracies that I would want to have investigated into. In order to exercise my rights under 15 USC Section 1681i ( Procedures in case of disputed correctness ), I am writing this letter.

1. Reporting multiple discrepancies among bureaus and falsely stating I lived at addresses I never resided at below are the incorrect addresses that need to be removed asap. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
These Fraudulent addresses are connected to Fraudulent accounts XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX I also have a few inquiries that a fraudulent and have been listed on my credit report this information is provided below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DO NO PLACE ANY EXTENDED FRAUD ALERT OR FREEZES ON ANY ACCOUNTS

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 2023-10-08 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: Nelnet, Inc.
State: MN

Complaint narrative:
Staring in XXXX I began paying off my old student loan once for the amount of XXXX $ and then for XXXX $ and both were returned. My bank said no payment was attempted and Nelnet says my bank can not process the payment. I tried again with XXXX $ as I am gaining interest everyday. It was returned and I contacted my bank again and no payment was attempted and Nelnet says that my bank could not process the payment. I called multiple times and was on hold for hours. I attempted a payment of XXXX $ and XXXX $ on my new student loan which was also assigned to them. I submitted a complaint with federal student loan services letting them know I insist on having a new student loan provider as Nelnet is thieves and they are awful. I am being charged more every single day and my payment of XXXX $ ( referring to the above ) was just returned with no attempt made to my bank and the same message from Nelnet that my payment could not be processed. When I did get someone on the phone I did make a payment over the phone which is not yet processing nor has it been returned yet nor have I seen any money moved from my bank. I do not trust this company I see complaints of similar and many different issue online, new ones everyday. Nelnet is horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I noticed on my Experian credit file that it wasnt showing my credit score so I contacted them immediately. They claim its due to something with XXXX XXXXXXXX however, I have seven or eight more accounts that hasnt reported anything regarding their claim. 

I have been working so hard on my Credit and XXXX my bills on time to have something like this happen to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NV

Complaint narrative:
I am writing to notify this company that I refuse to pay this alleged debt and that I now order TRANSWORLD SYSTEMS INC and all its affiliates to Cease and Desist all communications with me unless it is to inform me that all collection efforts are being terminated. PLEASE SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Home Depot is reporting two purchases on a card ( ending in XXXX ) which I have never had in my possession : {$380.00} in XXXX XXXX on XX/XX/, & {$120.00} in a XXXX Home Depot on XX/XX/. I have advised Home Depot that I never had that card, & that I did not make those charges. 

Home Depot removed the {$120.00} from my statement but the {$380.00} charge is still showing. I have changed my account password to help prevent this type of fraud in the future.

Home Depot is now tracking a new card # XXXX on my account. I have not received the referenced card.

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 2023-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX  engaged in fraudulent practices by failing to deliver approximately 50 % of the merchandise for which I paid a total of {$67.00}. I promptly returned all items as per their policy. However, XXXX XXXX XXXX is refusing to issue a full refund, which goes against their stated policy. Additionally, Santander Bank has repeatedly failed to provide assistance in resolving this matter. I've encountered Santander representatives, such as " XXXX, '' who seem to be located offshore and have handled this situation unprofessionally. XXXX played a frustrating game of putting me on hold off and on for 25 minutes and then informed me that it was his day off tomorrow, suggesting that I should call back and essentially start the dispute resolution process from scratch. Santander 's handling of this dispute has been grossly incompetent, and they appear to trivialize the issue, causing frustration and inconvenience to the customer. REFUND THE {$67.00} TO ME IMMEDIATELY!

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 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX  & XXXX XXXX XXXX Date of Inquiry XX/XX/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 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it.

XXXXXXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX FIXXXX XXXX XXXX  Date of Inquiry XX/XX/20XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/2XXXX XXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief