vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-21 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:
Opened my account for my Apple/Goldman Sachs credit card XXXX XXXX of XXXX when Apple had first rolled out this new product. 

Used the Apple Card as my primary means to make transactions for everything I purchase to take advantage of their cash back program. 

Paid of my entire balance every single month since opening the account without fail for 6 years and never had to pay a single cent of interest. 

Rarely had charges that would exceed {$5000.00} at any time in the life of my account Apple/Goldman Sachs increased my credit limit 3 times up to {$45000.00} since opening the accountsaw this as a reward to being a good customer. 

On XX/XX/XXXX Apple/Goldman Sachs closed my account for 'a failure to comply with the terms of the Customer Agreement ' which was the only information that was given to me. 

Called Apple/Goldman Sachs several times taking to various service reps at each level of escalation possible. Not a single rep could give any more information than the vague details that were emailed to me on XX/XX/XXXX. 

Each of the Apple/Goldman Sachs graciously took my information and details about my inquiries and were diligent in their attempts to help me resolve this issue as quickly as they could. 

On XX/XX/XXXX I received a call back from Apple/Goldman Sachs with the news that my credit card account would officially be closed after looking into my case. There was no further information given to me or a clear explanation of where I have failed to 'comply with the terms of the customer agreement '. 

The remaining balance left on my account was {$2800.00} which I have paid in full as of today XX/XX/XXXX. 

As part of Apple/Goldman Sachs credit card cash back program, they offer a savings account where cash spending rewards will automatically be deposited. I took advantage of this offer and opened up an Apple savings account. 

Currently as of XX/XX/XXXX I have a balance of {$940.00} in my Apple savings account that I have been locked out of. I was informed by many Apple/Goldman Sachs customer service reps that I would have the ability to transfer any money that remains in my Apple savings account into either my linked bank account or to a virtual Apple Cash cardI do not have such ability to do so. 

This all came out of no where and am left feeling like I have been treated like a criminal by Apple/Goldman Sachs for being a loyal customer for 6 years while keeping a small to zero balance during the entire lifetime my account.

After all of the above, I was informed my Apple/Goldman Sachs customer service that after I pay off the remaining balance on my closed Apple Credit Card account XXXX that I would in fact be able to open up a new account and start again as a new customer. I do not understand this XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Clarity Services continues to report incorrect information on my consumer report. I previously disputed this information and Clarity Services still refuses to update the information and remove any security freeze. I will not ask again for my consumer report and an update to correct the information they have on file. My name is XXXX XXXX my address is XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX there should be no other information listed on my 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 2024-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: MI

Complaint narrative:
Discover card has charged me several fees on my consumer credit account. Discover intentionally delays the withdrawal of payment which then causes the payment not to fully process and they have charged me several fees. Discover also closed the account without any notice but continues to use the application as a receivable to raise capital gains for investors. I have read their prospectus and sec filings which outlines their business practices and Discover is engaged in fraud by using consumer accounts as pooled assets to which they use to fund their business and pay their investors. Discover did not disclose this information prior to our business relationship and they have also reported this account as delinquent when a consumer account can not be reported as such. Discover also had a duty to reset this balance monthly as it should be open ended per the standards of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Subject : Formal Complaint and Request for Cease-and-Desist Order Against Portfolio Recovery Associates , LLC To Whom It May Concern, I am writing to file a formal complaint against Portfolio Recovery Associates , LLC ( PRA ) and to request that the CFPB issue a cease-and-desist order against them. Portfolio Recovery Associates has been reporting inaccurate and misleading information on my credit report, which has caused significant harm to my creditworthiness.

Details of the Issue : Inaccurate Reporting of Authorized User Account : PRA is reporting an account on my credit report for which I am only an authorized user, not the primary account holder. This misrepresentation is causing undue damage to my credit score and is a violation of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting guidelines. 
Failure to Provide Debt Validation : Despite my requests, PRA has not provided the legally required debt validation. According to the Fair Debt Collection Practices Act ( FDCPA ), they are required to send me proper documentation to verify the debt. Without this validation, they have no legal right to continue reporting this account on my credit report. 
Lack of Proper Notification : PRA failed to send me the necessary paperwork and notifications that would have allowed me to verify the accuracy of the debt and dispute it if necessary. This failure to communicate has denied me my legal right to address and potentially resolve the issue before it was reported to the credit bureaus. 
Request for CFPB Action : Given these violations, I am requesting the CFPB to take the following actions : Issue a Cease-and-Desist Order : Please issue a cease-and-desist order to Portfolio Recovery Associates , LLC, to immediately stop reporting this account on my credit report until they provide proper debt validation and correct the inaccurate information.

Investigate PRAs Reporting Practices : I request that the CFPB conduct a thorough investigation into PRAs reporting practices to ensure they are complying with the FCRA, FDCPA, and other relevant consumer protection laws.

Hold PRA Accountable : If PRA is found to be in violation of federal law, I ask that they be held accountable through appropriate legal and financial penalties.

Conclusion : The continued inaccurate reporting by Portfolio Recovery Associates has caused significant harm to my financial well-being. I trust that the CFPB will take swift and decisive action to address these issues and protect my rights as a consumer. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Atlanticus Services Corporation
State: IN

Complaint narrative:
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 00:00:00
Product: Credit 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
A credit card charge was made for my card on XX/XX/year> for {$510.00} from XXXX XXXX and was labeled " XXXX XXXX XXXX XXXX ''. A second charge was attempted to be made on the card for {$410.00} the same day but I reported this as fraud when I was notified. The transaction for {$510.00} was not flagged and still went through despite this. I froze my accounts on XX/XX/year> when the transaction occurred and ordered a new credit card that day. TD Bank , N.A . did not reach out and did not mention the {$510.00} transaction and whether or not it may be fraudulent even though I reported fraud on the card and froze the account. I then went and filed a claim with TD Bank , N.A . to settle this and clear my account for the fraudulent activity. TD Bank , N.A . dismissed the initial claim as the records show that it was my card that was used. They did nothing else to try and resolve this dispute or hlep my situation and did not bother calling or reaching out. I then went and filed a second claim with TD Bank , N.A . to determine why this was not resolved and why I have not been notified of what to do. I have also filed a claim with XXXX XXXX, credit bureaus, a police report and the federal trade commission. The information i have received from TD Bank , N.A . and XXXX XXXX has determined that it was international credit card fraud and consisted of a fake phone number, fake name and fake e-mail which were used to wire monies overseas to the XXXX. TD Bank , N.A . has done nothing to resolve this case and has given me the run around despite the severity of this being international wire fraud. I will provide specific details of the above referenced information upon request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-21 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: FL

Complaint narrative:
As I reviewed my recent report, I have found a lot of erroneous information reporting on my EQUIFAX Credit Report. I am not sure if you have conducted a thorough investigation as I have requested for so many times and they seems ignoring my request and not taking action. I have included my FTC report to support this complaint with the report number XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing to you to update my personal information. 

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1.My Full Legal name : XXXX XXXX XXXXMy Address : XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do 1 have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 

My contact information is as follows : Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX, AL XXXX Sincerely 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 2024-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Midland Credit management is continuously updating balance owed on a debt where they already sued me for in the state of SC. Credit score keeps dropping because of their tactics. No need for them to continuously update my credit report. I think they are doing this out of spite. Recently as of XXXX my balance keeps being changed by XXXX $ a month and they are continuously attacking my credit report destroying my score after they have done everything they can to collect. I have a judgement already for this devt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: NV

Complaint narrative:
XXXX XXXX XXXX  the amount {$1200.00}. 15 u.s Code 1681c-2 a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from and alleged identity theft, not later then 4 business days after the date of receipt.

Under 15 U.S Code 1681 e ( b ) and 15 U.S Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 U.S Code 1681. These accounts has violated my rights.

Pursuant to 15 U.S Code 1681 section 602 states I have the right to privacy.

Pursuant to 15 U.S code 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish accounts without my written instructions. 


I am requesting the original copy of the agreement and terms a condition. Failure to comply will forfeit your claims and require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of this receipt of notice. I LOOK FORWARD TO YOUR RESPONSE.

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 2024-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This unauthorized inquiry was made by the creditor without my knowledge or consent! Please remove and block these inquiries promptly!

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 2024-08-21 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: UT

Complaint narrative:
On XX/XX/year>, I contacted the Debt Collector to verify the debt and they said they have a general document that says they have my name and the debt I owe. I sent them letters on XX/XX/year> and XX/XX/year>, demanding them to provide verifiable proof of the debt with the general document and proof with my wet signature. They replied via email on XX/XX/year> sending me the general document but nothing that had my wet signature. This is not my debt and the Debt Collector has not been able to verify my signature. I also disputed on XX/XX/year> with XXXX, XXXX and XXXX and they all said the same thing and will not remove this debt and account. None of the bureaus or the debt collector can actually verify with my wet signature. 

Due to the fact that the XXXX Collector, XXXX, XXXX, and XXXX can not verify my debt, they will not remove the account. They are all reporting inaccurate and incomplete credit information. It is their responsibility to assure maximum accuracy in the credit reports, which they have not been doing. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

XXXX, XXXX and XXXX are not even reporting the correct names of the collection account because they are different on each report. On some credit reports the Account is under Genesis Credit Management LLC and other credit reports it is under Columbia Debt Recovery. All account numbers are different as well so nothing is matching up and making sense. Neither of those accounts Genesis or Columbia can verify my debt with verifiable proof and it has not been removed from my credit report.

The information being reported across all my credit reports in each bureau is entirely inaccurate and incomplete and represents a very serious error in their reporting. Please delete this misleading information and supply an update or corrected credit profile to all bureaus who have received a copy within the last XXXX months or the last XXXX years for employment purposes. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify, through the PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT, any and all accounts that are posted on a credit report. This is why I am filing a complaint because neither the debt collector or the 3 bureaus have done their due diligence to verify as stated above.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
On XX/XX/year>, I accessed my credit account with Capital One and noted a minimum payment of {$210.00} was due on XX/XX/XXXX. I also noted a " XXXX XXXX '' balance on the account of {$16.00}. 

Thus, I applied the " XXXX XXXX  '' balance to the minimum payment sum due on XX/XX/year>, and paid {$200.00} from my bank account, effective on XX/XX/year>, the date my minimum balance on the account was due. ( I had regularly paid the minimum balance on time. ) On the XXXX, I received a notice that I had failed to pay the minimum due and would be assessed a {$40.00} late fee. I called the toll-free customer service number to inquire about this circumstance ( which was an episode in itself! ) and, when I finally reached someone, was told that " XXXX XXXX '' can not be used to partially pay the minimum payment. I was directed to the " XXXX XXXX  '' redemption section of the Capital One website and -- at this time -- noted the following : " Account credits lower the account balance but do not count toward your minimum monthly payment. Your minimum monthly payment will still be required. '' This is a nonsensical rule as revealed by the fact that I could have opted to receive the " XXXX XXXX '' in a check, sent to the account address, and then negotiated that check and used those funds to pay the minimum balance down. During my call to customer service, I asked for an explanation of the logic Capital One has for the rule and, perhaps, not surprisingly, the representative simply repeated the statement that appears on the website. And the issue has now escalated to the point that a {$9.00} " underpayment '' has resulted in a {$40.00} " late fee '' and a freezing of my account until I make the next minimum payment which is not due until XX/XX/XXXX! ( And, perhaps, a report that the account is " in collection '' for an alleged {$9.00} underpayment! )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: CashRepublic Holdings, Inc.
State: GA

Complaint narrative:
Omni financial is harassing calling my mother and father. Discussing my personal finances

Company response to consumer: Closed with explanation