vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FULTON FINANCIAL CORPORATION
State: DE

Complaint narrative:
Fulton Bank NA received a transaction from me for {$48.00}, I used my debit card at a restaurant. they received the debit and posted it to my account on XX/XX/year> but they are leaving the hold of {$48.00} in place until XX/XX/year> Basically they are holding my funds to that I can not use them. 

I can not get them to return a call, or for that matter even pick up the phone. they customer service number seems permanently way way backed up. 

This is a basic system issue that Fulton Bank seems unable or unwilling to correct. 

From now until I pick a new bank, I will need to pull cash out of the bank and never use my debit card as it seems the system Fulton Bank is using is completely broken.

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 2025-02-28 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: CA

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-02-28 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: MS

Complaint narrative:
Upon viewing my credit report, I noticed fraudulent activity on my credit report. Please remove these 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 explanation
Consumer complaint received 2025-02-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The following companies are reporting incorrect information on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have included a copy of my ftc report and ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Recovery Services, Inc.
State: GA

Complaint narrative:
I am disputing this debt because I do not owe it. The debt collector states I owe them the alleged debt. I have no agreement with Financial Recovery Services Inc.. I would like to provide the following explanation : PLEASE DO NOT SEND ME monthly BILLS as validation. PLEASE PROVIDE ME WITH THE FOLLOWING : I am requesting verification of the alleged debt, specifically : 1. An explanation of what this alleged account balance is for. 
2. A calculation of this balance, including the complete payment history on the account, so I have proof that the amount belongs to me. 
3. Documentation shows I agreed to pay this debt. 
4. The Agreement that grants you authority to collect on this alleged debt. 
5. A copy of your state license, including license number, as well as do you have license in the state of Georgia to collect on this debt as well as the arbitration clause according to 15 U.S.C SECTION 1692 G. 5. 

Thanks in advance!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
On XX/XX/year>, I booked a hotel stay through XXXX using my Apple Card ( issued by Goldman Sachs Bank USA ) for a total charge of {$100.00}. Upon arrival, I encountered multiple issues that made the stay uninhabitable and significantly different from what was advertised. 

Issues with the XXXX : XXXX. XXXX XXXX hotel did not contact me by XXXX p.m. as promised regarding my check-in, leading to unnecessary delays and uncertainty. 
XXXX. Defective Room Amenities The refrigerator in the room was broken, making it impossible to store perishable items. 
XXXX. Unacceptable Noise ConditionsConstant dog barking and an unresolved alarm disturbance from the neighboring room made it impossible to sleep. 
XXXX. Violation of XXXX XXXX XXXX I later found the same room for a lower price, but XXXX refused XXXX honor their policy. 

Actions Taken : XXXX. Before XXXX hotel did not honor the check-in time, so I requested a refund before entering the room. XXXX refused. 
XXXX. During the XXXX I immediately reported the issues to XXXX, but they did not resolve them or offer a fair solution. 
XXXX. Dispute Filed with Goldman Sachs Bank USA I disputed the charge through Apple Cards dispute resolution process, providing clear evidence of the hotels failure to provide advertised services. 
XXXX. Dispute Denied Goldman Sachs denied my dispute, citing that XXXX terms state all sales are final, despite the clear failure to provide satisfactory services. 

Why This Is a Problem : The all sales are final policy does not excuse a merchant from delivering basic, functional services as advertised. 
XXXX failed to honor their price guarantee, misleading me at the time of booking. 
Goldman Sachs sided with the merchant despite clear evidence of service failure and poor customer treatment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute incorrect information currently listed on my credit report. Upon reviewing my credit file, I found that certain details are inaccurate, and this erroneous information is severely impacting my credit score. I demand immediate action to correct these inaccuracies and ensure that my report reflects only accurate, verified data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations

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 2025-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/year> Navy Federal Credit Union withdrew {$750.00} from my account without my authorization. I never consented to this transaction, and I immediately contacted the bank to demand my money back. Instead of resolving the issue fairly, they only issued a partial refund, leaving me without the full amount that was wrongfully taken. 

This unauthorized withdrawal has caused me severe financial distress, impacting my ability to pay essential expenses. I have tried to resolve this matter with Navy Federal, but they refuse to return the remaining funds. Their actions are not only unfair but also completely unacceptable and unethical. 

I demand a full refund of the remaining amount immediately. If this matter is not addressed, I will escalate my complaint further and pursue any necessary legal action. Consumers should not have to fight to retrieve their own money from a financial institution that is supposed to protect them.

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 2025-02-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to address a critical issue with my credit report. Upon reviewing my file, I discovered an account that is clearly not mine but is incorrectly associated with my personal information. This account is a result of mixed data and belongs to someone else, not me. The inclusion of this account on my credit report is not only erroneous but also harmful to my financial standing. I need this inaccurate information 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 explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had lost my card before getting into the subway going down to work. I did not notice I had lost my card because I usually have my cards stored on XXXXXXXX XXXX and only use them on XXXXXXXX XXXX. As my card was lost someone had purchased XXXX worth of goods from XXXX XXXX and other utility stores. I never got any fraud warnings from Chase and I didnt realize until after a week or so. I directly locked the card and reported the charges. I had gotten a temporary credit but after a month they removed it and said the charges were valid. After dancing for almost 2 years or little less and getting all the documents they requested they continue to charge interest and continue to reject my claim. I have given them a police report and a timesheet to prove I was at work during those times. Nothing helped even though they requested those documents. I want to try this once more before looking to take further actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: WA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-02-28 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: MI

Complaint narrative:
Experian does not investigate collections on my credit report. Nothing has ever been resolved or worked in my favor.

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 2025-02-28 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: MA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: MA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Subject XXXX Formal Dispute of Inaccurate Payment History and Delinquent Information Dear XXXX XXXX Dispute Department XXXX I am writing to formally dispute inaccurate and misleading information reported on my XXXX  XXXX account, which appears on my credit report. The disputed information pertains toAccount Number : XXXX ], and includes incorrect payment history and delinquency records. 

Upon reviewing my credit report from [ Credit Bureau ( s ) XXXX, XXXX, and/or TransUnion ], I noticed the following errors : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Of negative payment history. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ), furnishers of credit information are required to report accurate and complete information. Additionally, under 15 U.S.C. 1681i, I have the right to dispute inaccurate information, and XXXX XXXX is obligated to conduct a reasonable investigation. If the information is found to be inaccurate or unverifiable, it must be corrected or removed. To support my dispute, I have attached the following : A copy of your credit report with the disputed items highlighted. I request that XXXX XXXX : 1. Conduct a thorough investigation into this matter.

2. Provide me with documentation verifying the accuracy of the reported information.

3. Correct or remove the inaccurate information from my credit report if it can not be verified. Failure to comply with the FCRAs accuracy requirements may result in legal consequences, including liability for damages under 15 U.S.C. 1681n and 1681o. I request a written response within 30 days of receipt of this letter, as required by law.

Please address this matter promptly and confirm the resolution in writing. If you need additional information, you may contact me at the phone number or email address provided above. 

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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Subject XXXX Formal Dispute of Inaccurate Payment History and Delinquent Information Dear XXXX XXXX XXXX Department XXXX I am writing to formally dispute inaccurate and misleading information reported on my XXXX  XXXX account, which appears on my credit report. The disputed information pertains toAccount Number : XXXX ], and includes incorrect payment history and delinquency records. 

Upon reviewing my credit report from [ Credit Bureau ( s ) XXXX, Experian, and/or XXXX ], I noticed the following errors : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Of negative payment history. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ), furnishers of credit information are required to report accurate and complete information. Additionally, under 15 U.S.C. 1681i, I have the right to dispute inaccurate information, and XXXX XXXX is obligated to conduct a reasonable investigation. If the information is found to be inaccurate or unverifiable, it must be corrected or removed. To support my dispute, I have attached the following : A copy of your credit report with the disputed items highlighted. I request that XXXX XXXX : 1. Conduct a thorough investigation into this matter. 
XXXX. Provide me with documentation verifying the accuracy of the reported information. 
XXXX. Correct or remove the inaccurate information from my credit report if it can not be verified. Failure to comply with the FCRAs accuracy requirements XXXX result in legal consequences, including liability for damages under XXXX XXXX. XXXX and XXXX. I request a written response within 30 days of receipt of this letter, as required by law. 
Please address this matter promptly and confirm the resolution in writing. If you need additional information, you XXXX contact me at the phone number or email address provided above. 

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 2025-02-28 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief