vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-13 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: KS

Complaint narrative:
I am writing to file a formal complaint against the credit reporting agencies, including Experian, XXXX, and XXXX, for their failure to adequately handle disputes regarding incorrect information on my credit report. As a XXXX  veteran, I am particularly frustrated by their failure to properly investigate and remove medical debt that should not be reported. 

Over the past several months, I have attempted to dispute multiple inaccuracies on my credit report, including medical debt, which I believe should be removed due to its improper reporting. Unfortunately, the credit reporting agencies have failed to provide adequate information about the results of my disputes. In some cases, they have not conducted the required investigations as mandated by the Fair Credit Reporting Act ( FCRA ). Furthermore, there are times when these agencies have not allowed me to file disputes online, restricting my ability to correct the inaccuracies in a timely and convenient manner. 

Despite my good-faith efforts to resolve these issues, the credit reporting agencies have not fulfilled their legal obligations, and the inaccuracies remain on my credit report, causing me unnecessary harm and stress. As a XXXX  veteran living with the challenges of medical debt, this situation is particularly distressing, and I believe the credit reporting agencies are not adequately addressing my concerns. Specifically, some collection debts have not been verified by certain agencies but remain on the credit reports of others. Despite this inconsistency, these debts are not being properly investigated or removed across all reporting agencies, as required by law. 

I am requesting that the CFPB investigate these matters and hold the credit reporting agencies accountable for their failure to comply with the FCRA. Specifically, I demand that they be required to conduct proper investigations into my disputes, provide clear and comprehensive results, and remove inaccurate medical debt from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
XX/XX/XXXX and XX/XX/XXXX I have requested a transfer of funds {$160000.00} from Marcus by Goldman and can not have funds transferred. I spent hours on both XX/XX/XXXX and XXXX giving the bank my info and calling my banks XXXX  and XXXX XXXX to verify my identity and was told both times money was being transferred. The funds came from a XXXX XXXX  XXXX accounts to XXXX  XXXX. I then transferred XXXX K to Marcus to set up XXXX. They did not make my funds available for a week until their XXXX  rate dropped. I do not want to do business with Marcus and now can not transfer my money from Marcus to XXXX  or XXXX  which they said a transfer was being processed both times.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: Block, Inc.
State: TN

Complaint narrative:
XXXX XXXX booked condo through XXXX  managed through XXXXXXXX XXXX XXXXXXXX XXXX Charged that night for XXXX and XXXX. Also, a charge of XXXX was pending as well from XXXX. 
XX/XX/XXXX XXXX canceled booking by email. I requested proof of canceled payment. Called Cash App support to expedite cancelation of pending payments. They then explained it would take 3-4 days. The XXXX that was processed through vrbo was refunded on XX/XX/XXXX. The XXXX was canceled as well. The XXXX is still pending. I explained I have proof of canceled booking and that I did not owe anything. Again, they said they would only intervene after 30 days. I would think simply canceling a pending transaction after 8 days with proof of cancelation and showing I owe nothing would be a sensible move.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
VALIDATION AND CEASE AND DESIST Dear Sr : or Madame I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 

ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Got gifted a XXXX $ Amex gift gift, cant use it in store ( XXXX  ) or online ( XXXX ), called Amex and they said it was to protect security

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-13 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: FL

Complaint narrative:
This morning, unauthorized inquiries appeared on my credit report, and I dont understand why. My credit report, which I check regularly, suddenly has unexplained discrepancies. I even tried refreshing my browser, but the inquiries didnt disappear. I am incredibly frustrated and demand that the documents Ive submitted are checked immediately to resolve this and put my mind at ease permanently.

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 2024-10-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
VALIDATION AND CEASE AND DESIST Dear Sir or Madam : I received a debt collection letter from you. Do you have the right person? Can you supply me with a or agreement signed with your company or the Creditor. 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 


Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: FIRST CREDIT FINANCE
State: CA

Complaint narrative:
Subject : ID Theft Notification and Unauthorized Account Dear Credit First, I am writing to inform you that I am a victim of identity theft. My personal information was compromised, possibly due to a data breach from the California Highway Patrol. Consequently, a credit card account was opened in my name without my knowledge or consent. I have no association with this account and request that it be closed immediately. I also report to all Authority Agents regarding ID Theft. Please guide me through the necessary steps to resolve this issue and ensure my credit is protected. 

Thank you for your understanding and assistance. 

Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I was alarmed to find unauthorized inquiries on my credit report this morning and I have no idea why they are there. I check my credit report regularly, and this time I saw discrepancies that appeared out of nowhere. I even refreshed the page to check if it was a browser issue, but the inquiries remained. This is extremely frustrating, and I urgently need the documents Ive provided to be reviewed carefully to resolve this and prevent it from happening again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My account with XXXX XXXX XXXX XXXXwas never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 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. 

XXXX AND XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. 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 30 - 60 DAYS 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. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Unlawful Collection Attempts on a Charged-Off Account : Despite charging off the account, Capital One continues to try to collect on it, which is a violation of federal consumer protection laws. A charge-off is a write-off for tax purposes and should not result in further collection attempts. The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C Negative Credit Reporting : Capital One is continuing to report negative information on my credit report, despite the account being charged off. This is unfair and deceptive, and it is negatively impacting my credit score. 
Violation of the Fair Debt Collection Practices Act ( FDCPA ) : Capital One 's continued collection efforts on a charged-off debt and negative reporting violate 15 USC 1692, which prohibits improper debt collection practices Violation of Privacy Rights Furthermore, I am invoking my rights under the Privacy Act of 1974. CAPITAL ONE has failed to provide proper notification regarding the sharing of my personal information and has not offered me the ability to opt out of such disclosures. 

Illegality of Reporting Transaction History : Under 15 USC 6801, it is illegal to report transaction history without my consent. The policy of Congress mandates that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of their non-public information. Per the FCRA, I am formally opting out of any and all authorizations I may have givenwhether written, unwritten, verbal, or non-verbalunder 15 USC 6802. This includes the sharing of my personal information and any usage of my data without my express written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: TX

Complaint narrative:
I urge you to act swiftly in removing these unauthorized inquiries from my credit report. They are causing significant distress, and I have provided documentation for verification. Please expedite your investigation into 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 non-monetary relief
Consumer complaint received 2024-10-13 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: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE HELP ME THESE ACCOUNTS ARE FRAUD AND THIS SITUATION IS VERY STRESSFUL

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 2024-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE HELP ME THESE ACCOUNTS ARE FRAUD AND THIS SITUATION IS VERY STRESSFUL

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Sensible Auto Lending, LLC
State: CT

Complaint narrative:
SENSIBLE AUTO LENDING The Creditor Closed The Account and Is falsely Claiming That {$1.00} Is Uncollectible. Creditor Will Not Accept My Payment. This Is A Small Amount, And When I Pursue it. No Information Is Given To Me, Someone That Is Dealing With The Account Just Hangs Up On Me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE HELP ME THESE ACCOUNTS ARE FRAUD AND THIS SITUATION IS VERY STRESSFUL

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 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute the late payment entries on my credit report XXXX XXXX Credit card associated with XXXX  due to violations stemming from a data breach. 
Under the Fair Credit Reporting Act, specifically Section 605 ( b ), I have the right to dispute any inaccuracies that may stem from a breach of my personal information. The late payments reported for are inaccurate, and I demand their immediate removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: TX

Complaint narrative:
PLEASE HELP ME THESE FRAUDULENT HARD INQUIRIES. AND THIS SITUATION IS VERY STRESSFUL

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 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:
PLEASE HELP ME THESE FRAUDULENT HARD INQUIRIES. AND THIS SITUATION IS VERY STRESSFUL

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 2024-10-13 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: TX

Complaint narrative:
PLEASE HELP ME THESE FRAUDULENT HARD INQUIRIES. AND THIS SITUATION IS VERY STRESSFUL

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