vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
Late in the evening of XX/XX/2022 ( probably technically in the early hours of the following day ), I submitted an application to Goldman Sachs Bank USA for XXXX XXXX card. During the process, the online system asked me to upload a copy of the front and back of my driver 's license ( no larger than XXXX each ). I did so. The system showed both sides uploaded and then confirmed a successful submission of the application. 

Between XXXX XXXX on XX/XX/2022, I received a call with caller ID number XXXX. I missed that call because I was in a meeting. The caller did not leave a voice message. Later the same evening, I looked up the number online and discovered it belonged to Goldman Sachs Bank USA. 

On XX/XX/2022, at XXXX XXXX, I received an email from XXXX by Goldman Sachs telling me that a copy of my ID was needed for verification. Mind you, ID was requested and supplied during the initial application process. This email said the ID needed to be uploaded using the link in the email by XX/XX/2022. 

On XX/XX/2022, at XXXX XXXX precisely XXXX minutes later, and WAY before XX/XX/2022, I received an email from XXXX by Goldman Sachs saying the application was not approved because the bank was unable to verify my identification information. 

This is clearly nonsense. 

I called Goldman Sachs Bank USA at the number provided in the email, XXXX, to hopefully solve the problem. Clearly something was not right. I was told that the application had been closed and nothing could be done other than to submit another application. 

The problem is this. I had a similar experience with Goldman Sachs Bank USA applying for the same card about a month prior. The bank apparently can not adhere to deadlines it itself has set. Consumers should beware. This multibillion dollar firm apparently does not have the appropriate infrastructure in place to support basic business processes. Regulators should be asking whether a bank clearly demonstrating such basic incompetence should even be doing business in the market.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have tried to get Experian to investigate the errors in the attached documents for over 90 days now. They have not even started an investigation but continue to stall or state that it's not me. They have yet to show any proof that these accounts belong to me and are accurate. Please help me get these removed from my report. They are in violation of the FCRA in multiple ways and have violated my privacy and my livelihood. 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 explanation
Consumer complaint received 2022-10-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Someone put a credit card in my name without my consent and it decreased my XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19 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: Grain Technology, Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose. 
Opened : XX/XX/2020 Amount : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Consumer Portfolio Services, Inc.
State: LA

Complaint narrative:
I financed a vehicle through Consumer Portfolio Services ( " CPS '' ) on XX/XX/XXXX by means of a fraudulent loan that made material misrepresentations of the finance charge. According 15 USC 1605, the finance charge must cover insurance premiums, but the contract has an unconscionable adhesion agreement that binds me into paying for my own insurance. The fourth page of the Contract states that [ y ] ou agree to have physical damage insurance covering loss of or damage to the vehicle for the term of this contract. The insurance must also include our interest in the vehicle. 

This is a pattern for CPS. I spoke with a supervisor at CPS, who confirmed that CPS never covers insurance. On XX/XX/XXXX, I rescinded the contract and demanded a refund in the amount of {$16000.00} pursuant to 15 USC 1635 in a commercial affidavit of truth that required a rebuttal and listed approximately 11 code violations. 

CPS never rebutted that affidavit, but instead sent me a letter acknowledging its receipt of my affidavit, making derogatory statements, and proceeding to demand payments from me. That letter was dated for XX/XX/XXXX. CPS CPS has NEVER denied any of the allegations or made any attempt to prove that the contract is valid and has refused to issue me a refund as required in 15 USC 1635. 

Not only is CPS refusing to refund me XXXX in payments as required by law, but I have spent approximately {$18000.00} on unnecessary insurance premiums. The fees charged by CPS are not a finance charge. CPS is simply using adhesion agreements to cover its fraud. CPS is illegally pocketing this money and intends to use its bogus contract as a frivolous defense. There are hundreds of thousands of consumers that have been affected. 

CPS has not taken any action to terminate the security interest on the vehicle so there remains a threat of unlawful and illegal seizure in retaliation for asserting my rights. CPS has a long history of complaints with the FTC, XXXX, and class action lawsuits.CPS is fully aware of its misconduct and does not intend to make this situation right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: MD

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$720.00}

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 2022-10-20 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I would like accounts and removed and updated report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I would like accounts and removed and updated report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19 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: MD

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$720.00}

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 2022-10-19 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: IL

Complaint narrative:
I have disputed this account & called the credit bureaus about this matter with no resolution. There was no way possible for me to incur this account because I did not live in their service area. The date the account # XXXX from XXXX XXXX XXXX in the amount of {$2400.00} was opened XX/XX/2021, I did not live in their service area & did not have an account with them. I have worked hard to establish my credit & pay all debts, but this is unfair practicing. While doing my own research I found the fair credit reporting act. Upon reading this, I found out that this has violated several of my rights. 
15 U.S. Code 1681 section 604 A section 2 states A consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1681 section 602A states Accuracy and fairness of credit report and I have the right to privacy. 
Thank you in advance for your assistance with this matter.

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 2022-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I spent over XXXX hours trying to get a {$50.00} reward for a hotel stay that I am entitled to from my Chase XXXX Credit Card from a trip in XX/XX/2022. I needed to be transferred more than 6 times over the course of XXXX hours. I kept getting transferred requesting a supervisor, but either not getting a supervisor or not the " right '' supervisor. The first supervisor was named XXXX after being told I was being transferred to an ultimate rewards supervisor 2 times before this point. After waiting another XXXX minutes to speak to her and having to confirmed my information every time I spoke to someone new she alerted me after speaking to her that I needed to talk to a different supervisor in XXXX XXXX XXXX XXXX. I asked her to stay on the call to assist me but she refused and said, " you can't hold me XXXX '' and passed me to a routine person who I confirmed XXXX times that I was being transferred to an Ultimate Rewards supervisor for Chase and I get transferred to a routine first call person and told that I needed to wait again for a supervisor. I am still on the phone waiting for another supervisor. I am sorry but all this to get a {$50.00} hotel reward credit that I am entitled too. They also keep giving me different answers on why it did not get processed but confirmed that it should have been given to me. The customer service and waste of my time I received was abysmal from a company that falsely identifies them as having amazing customer service. I would be extremely embarrassed if this was my company or if I worked for this company. I truly feel they try to transfer someone to another person to wear them down until they hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: OPORTUN FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I reported the charges as fraud and closed the card and got a new card. the credit company has not issed credits for the fraud. i called they ssaid it is under investigation and not issueing credits not time frame is given//bank is oportun XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. The accounts are being reported currently open and the accounts need to be closed. 
XXXX account number XXXX opened on XX/XX/2022 for the amount {$530.00} XXXX XXXX XXXX  account number XXXX opened on XX/XX/2022 for the amount of {$140.00} The accounts are being reported currently open and need to be closed immediately. 
Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. This account should not be furnished on my consumer report. As a consumer I am demanding the deletion of the accounts listed 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 non-monetary relief
Consumer complaint received 2022-10-19 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 be investigated and removed from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-10-19 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: MI

Complaint narrative:
the consumer reporting agencies have infringed on my privacy. they have reported negative information to my consumer report, and by law before they put anything on my consumer report, they have to have written consent from me the original creditor and natural person. They also responded stating XXXX of the accounts were verified and they updated another account. They can't verify anything that I didn't authorize them to do in the first place. that shows they didn't properly investigate and in the " XXXX, Equifax, XXXX XXXX have violated credit reporting rules, XXXX XXXX XXXX says '' Article that backs up what I'm saying and the CFPB even backed this up. XXXX XXXX admitted that some of the disputes they didn't look at and the one that they did look at, they didn't investigate they just pressed a button.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: MI

Complaint narrative:
the consumer reporting agencies have infringed on my privacy. they have reported negative information to my consumer report, and by law before they put anything on my consumer report, they have to have written consent from me the original creditor and natural person. They also responded stating XXXX of the accounts were verified and they updated another account. They can't verify anything that I didn't authorize them to do in the first place. that shows they didn't properly investigate and in the " XXXX, XXXX, Experian XXXX have violated credit reporting rules, XXXX XXXX XXXX says '' Article that backs up what I'm saying and the CFPB even backed this up. XXXX XXXX admitted that some of the disputes they didn't look at and the one that they did look at, they didn't investigate they just pressed a button.

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 2022-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 be investigated and removed from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-10-20 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: SC

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 be investigated and removed from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I paid off three charged-off accounts that Capital one has been harassing me to pay for the past three years for an alleged debt that they said I owed. Sending me multiple emails, calling me, etc. I paid off the alleged debt for all three accounts over the phone with a customer service agent ID number XXXX for the accounts, and before I paid them over the phone they agreed that they will be removing the accounts from my credit report because I explained to them how the accounts were negatively affecting my credit score, preventing me from being able to get anything with my credit because it was reporting every month that the account was charging off each month even though it says the last date active on the account was XXXX of 2019. I have all three confirmations for the payments : XXXX, XXXX, XXXX. The accounts attached to these confirmations number were supposed to be removed from my credit report, they are no longer reporting on my XXXX report however, they are still reporting on my XXXX and XXXX, all I ask is for them to please remove these accounts, they got their money and they also agreed to remove them before accepting payment over the phone from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: LA

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX  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 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 explanation