vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

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 2024-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp.
State: NC

Complaint narrative:
I sent company a refusal to pay, they replied claiming they can't find me in their system. see attachments

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 2024-08-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
I made an online purchase on XX/XX/year> at XXXX MST with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NM using my Goldman Sachs Bank USA XXXX XXXX XXXX XXXX XXXX Apple Card. 

On XX/XX/year> at XXXX XXXX  MST I received a push notification asking me if I just spent {$70.00} at XXXX XXXX XXXX XXXX using my Goldman Sachs Bank USA, XXXX XXXX XXXX Branch Apple Card. I of course responded " no ''. 

About XXXX XXXX  MST I reached out to Goldman Sachs Bank USA, XXXX XXXX XXXX Branch Apple Card by phone. They advised me that they had locked my account. I asked the representative if the purchased that I had made the previous day to XXXX XXXX XXXX XXXX went through. They said " no '' and advised me that the purchase to XXXX XXXX XXXX XXXX was the transaction they contacted me about through the push notification. 

The problem is that the push notification identified the transaction as being a restaurant, not a jewelry supply. I reached out to the merchant to pay for my purchase with a different card ( since the Goldman Sachs Bank USA, XXXX XXXX XXXX Branch Apple Card ) had been locked. The merchant explained that this same thing happens to their customers all the time, and their customers end up just like me, with their Goldman Sachs Bank USA, XXXX XXXX XXXX Branch Apple Card locked and XXXX. The merchant added that they've reached out to Goldman Sachs Bank USA, XXXX XXXX XXXX Branch Apple Card many times and requested for them to change the coding on purchases at their business to XXXX XXXX Jewelry Supply from XXXX XXXX XXXX XXXX and Goldman Sachs Bank USA, XXXX XXXX XXXX Branch Apple Card advised them that they won't fix the problem and change the coding until more customers complain. Wonderful! 

The cs reps repeatedly told me that my transaction was not coded as food and drinks at a XXXX restaurant. My attached screen shot says otherwise. 

I am a responsible card holder. I pay my bill in full, on-time every month and this is how Goldman Sachs Bank USA XXXX XXXX XXXX XXXX XXXX Apple Card treats cardholders in return. 

I wasted over 3.5 hours making repeated calls to Goldman Sachs Bank USA, XXXX XXXX XXXX Branch Apple Card until I reached the cs representative with was willing to and had the authority to help me. I lost half a day of work because of their disregard. 

I used to recommend Apple Card to everyone. Praising the security of ApplePay and singing the praises of their cash back and Apple Cash. No longer. Goldman Sachs Bank USA, XXXX XXXX XXXX Branch Apple Card has made my life an absolute nightmare of endless frustration over the last month. The perks no longer hold value to have to endure the abuse and misinformation that Goldman Sachs Bank USA, XXXX XXXX XXXX Branch Apple Card subjects customers to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company

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 2024-08-20 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: IL

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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 to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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 2024-08-20 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: PA

Complaint narrative:
I am writing to dispute the late payment reported on my credit report. The late payment listed is inaccurate as I have consistently made payments on time. In compliance to 15 U.S. Code 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Your agency is in violation!

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-08-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing because Experian is in violation of their code of ethics regarding credit reporting. I am a victim of Identity Theft. I have tried to send all the information and have also tried to call them. Their computer system hangs up when including multiple disputes. Their answering system says that due to high call they can not answer. Then they put me on hold which takes more than two hours to get someone to answer via a text message. I am very upset. I can not send my dispute to this company which only cares about reporting people instead of trying to show correct data and not have their information stolen. They have wrong information that must be removed.

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 2024-08-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: MS

Complaint narrative:
On XXXX XXXX I sent a letter requesting the original copy of the debt that the 3rd party is trying to collect from me about a debt that I didn't authorize them to pay. I also used the law codes and fines for the violating my rights and I also I asked for them to send me a copy of my I.D and signature showing that I agreed to pay this debt. They failed to send the correct information that I requested. I only got a copy of the bill from the original creditor which is XXXX XXXX XXXX I am not satisfied with the results and I feel like this company has violated my rights. The name of the 3rd party company is RADIUS GLOBAL SOLUTIONS, LLC

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 2024-08-20 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frost-Arnett Company
State: TX

Complaint narrative:
I called the debt collector Frost-Arnett regarding the medical debt that was sent to collections on XX/XX/year> at XXXX XXXX. The date on the first written notice I received from the collector was XX/XX/year>. When I stated that I wanted to pay for the debt they quoted me an amount that was different ( higher ) than the amount due. When I asked why the amount had increased, they stated interest had been applied. 


They would not directly answer my questions about why interest had been applied and why it was not included on the statement I received less than 2 weeks ago. After the rep refused to discuss the interest amount I requested to speak with a supervisor who said that I did not owe any interest. She also refused to acknowledge that the previous rep had told me the incorrect amount. If I had paid with the first rep they would have overcharged me illegally. 


The supervisor I spoke with told me that she did not know what date interest would start applying and that the company would not notify me before interest begins to be charged. I have not received any statement showing interest terms or amounts applied to the debt. I still do not know at what point the company had intended to begin charging interest, but they made it clear that they would not tell me the terms or send me a written statement on when the amount would begin accruing interest. 


The payment I sent to the medical provider XXXX XXXX XXXX XXXX ), before I was notified that they were sending the amount to collections, was also returned to me. They were not interested in clearing the debt or in notifying me that they intended to send the debt to collections despite having been in contact with them about the amount. I was unable to pay the amount sooner because they had not sent me the breakdown of charges to release the funds from my FSA. I requested the breakdown from them, at which point they sent the debt to collections before I ever received the breakdown. 


Neither company is willing to have an honest conversation about the owed amount, and both have refused to send me any written communication regarding their debt collection policies or interest terms. I don't know if there are any specific laws being broken, but I am concerned that they will continue to charge me fees and interest amounts despite already having paid the debt in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, Tx XXXX Subject : Dispute of Inaccurate Information under Rule 611 of the Fair Credit Reporting Act Dear, Experian, I am writing to dispute the following information in my credit report. I have reviewed my credit report, and I believe that the following item XXXX  XXXX # XXXX inaccurate or incomplete. Under Rule 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am requesting that you investigate and correct this/these information. 

Disputed Item ( XXXX ) : XXXX  XXXX # XXXX Item : XXXX  Reason for Dispute : This account was reinserted back on my credit report within a few days of being deleted. Under RULE 611 Certification of accuracy of information. If any information is deleted from a consumers file pursuant of sub paragraph ( A ) The information may not be reinserted in the file by the consumer reporting agency.

Supporting Documentation : To assist with your investigation, I have enclosed copies of the following documents [ list the documents you are including ] : [ Document XXXX, State Drivers Liscense [ Document XXXX, Valid Social Security Card [ Document XXXX, FTC Report Please reinvestigate this/these matter ( s ) and delete or correct the disputed item ( s ) as soon as possible. Additionally, please provide me with a written response detailing the outcome of your investigation and a free copy of my updated credit report. 

If you find that the disputed information can not be verified, I request that it be removed from my credit report. I appreciate your prompt attention to this matter. 

Thank you for your assistance. 

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 explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: VW Credit
State: PA

Complaint narrative:
1. Lack of Verification : Upon reviewing my credit report, I have found that the alleged repossession has not been properly verified. Under the Fair Credit Reporting Act ( FCRA ), it is required that any information on my credit report must be fully verified as accurate and complete. In this case, the necessary documentation to verify the accuracy and legitimacy of the repossession has not been provided.

**2. Legal Compliance : ** The repossession in question appears to be unlawful due to non-compliance with applicable legal procedures. This non-compliance further invalidates the entry on my credit report. As per the FCRA, only accurate and legally compliant information is allowed to be reported, and this entry does not meet that standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: DE

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Someone use my information to open up an fraudulent account with XXXXXXXX XXXX that I did not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: OH

Complaint narrative:
Someone use my information to open up an fraudulent account with XXXX XXXX that I did not authorized.

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 2024-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX, I filed a formal complaint with XXXX XXXX XXXX XXXX XXXX XXXX after discovering an unauthorized credit inquiry on my credit report. This inquiry, dated XX/XX/XXXX, was made without my knowledge or consent and was associated with an unsolicited account. Concerned by these unexplained entries, I immediately requested proof of authorization and sought an explanation for this unauthorized credit inquiry. 
In my complaint, I emphasized the importance of protecting personal information and ensuring full compliance with the Fair Credit Reporting Act ( FCRA ). Recognizing the serious implications of this issue, I escalated my concerns to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Comptroller of the Currency ( XXXX ), which regulates financial institutions. I urged these agencies to thoroughly investigate my case. 
Additionally, I requested that these agencies determine whether there is a broader issue at playwhether nationwide consumer reporting agencies are routinely misidentifying the legal names of creditors, furnishers, debt buyers, and debt collectors. If this is happening, it could result in false or misleading information on credit reports. This not only undermines consumer rights but also jeopardizes the integrity of the entire credit reporting system. 
By sharing my experience, I hope to raise awareness and assist others who may be facing similar challenges with unauthorized credit inquiries and inaccurate reporting by credit agencies. 
It is crucial to understand that a companys name must exactly match its legal registration, as outlined in official documents such as articles of organization, articles of incorporation, certificates of formation, or charters. If the name on a credit report or legal document does not precisely match the registered name, the entity may not be legally recognized as the same. This distinction is vital because it can affect the validity of contracts, the enforceability of agreements, and the complexity of legal proceedings. Ensuring that the correct legal name appears on consumer credit reports is more than just a formalityit is a key legal requirement that protects the integrity of financial transactions and safeguards consumer rights.

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 2024-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have had a checking account with Truist ( originally BB & T ) for several years. Since the merger between BB & T and SunTrust, it has been increasingly difficult to access funds in this account. I only use the account infrequently, but every time I have tried, I have run into roadblocks from Truist.

I decided to close the account and was told I had to withdraw the balance from the account before it could be closed. When I tried to transfer the funds out of the account, I discovered Truist had frozen the account and I could not access the funds. When I have repeatedly tried to get the account unfrozen, I was told I had to physically go to a branch to withdraw the funds. I am presently unable to leave my home and am unable to go to the branch office. When I explained my situation for the third or fourth time over the phone, I was told to submit a letter that had to be notarized and they would see about mailing the funds to me. 

If I could go to a notary to get the letter notarized, I would be able to go to the branch bank. This is a ridiculous barrier to letting me have these funds. We are only talking about {$1400.00}.

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