vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-06 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: NY

Complaint narrative:
On XX/XX/2014 I received written notice that my dispute request was open and being processed. I requested that they provide me with their method of verification including but not limited to a detailed explanation of the verification process conducted, a copy of any written agreement or contract that obligates me to pay the alleged debt. I asked that if they were unable to provide me with the requested information to remove the information from my report immediately. The company has made the results of this investigation available without providing me with anything that I requested, thus resulting in inaccurate information being reported 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 2024-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I did not open the credit card there is a 4 digit security pin. On the card to get information. I do not know the pin and have asked multiple times for the pin to be removed. 

If I didnt open the card why would I know the security pin. They are denying me access because I dont know the pin.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: CA

Complaint narrative:
I ordered a blouse twice from XXXX Using another card for the 1st purchase and my Apple Card for the 2nd purchase Never received purchase 1 or purchase 2 Images received from the supplier stating that image 1 was delivered by my door. Never got it so purchased again using my Apple Card. 
Courier this time leaves package in my mail room which is open to everyone there is a a location with locked lockers where courier places packages for all residents XXXX or XXXX does not leaving packages out that would all be stolen if that were the case. XXXX constantly states that I have received both packages sadly Why is this dispute constantly being reversed. Its clear that I purchased the same item twice from XXXX. The order was delivered to my door but I never got it. Thats fine I have to accept that and accept the loss since they've provided an image of my unit showing the package being delivered. Ordered it again and they delivered it to our mailroom where all residents pickup their mail. I did not receive the package the pics are there for both orders and I am not getting my funds back for an error XXXX made the 2nd time for leaving it in an open mailroom, and providing a pic of such. You can clearly see that item was not delivered to my door. How am I supposed to get a package from an open mailroom where sadly people steal. There are lockers there where they were supposed to place the package in the locker like all the other couriers but they left it on the ground This is the 3rd time I have addressed this with Apple, and I just got another letter from them that is not in my favor.

What is the problem this is so unfair I can not believe Apple has no empathy and can clearly see what has happened. Its so simple. 

Ive been dealing with this since XXXX of 2023 its ridiculous and unreal. 

I just want to be treated fairly, and get my credit issued back to my card, as a consumer again I did not receive the merchandise pics are supportive, but not to Apple. Please help. 

Respectfully, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: NE

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account that is on my credit report has violated my rights. The date of this accounts are XX/XX/XXXX, {$10000.00}. There is a balance of {$21000.00} XX/XX/XXXX in the amount of {$7600.00} XX/XX/XXXX in the amount of {$8900.00} XX/XX/XXXX in the amount of {$4900.00} XX/XX/XXXX in the amount of {$4200.00} XX/XX/XXXX in the amount of {$4100.00} XX/XX/XXXX in the amount of {$1900.00} XX/XX/XXXX in the amount of {$3200.00} XX/XX/XXXX in the amount of {$1600.00} XX/XX/XXXX in the amount of {$1400.00} XX/XX/XXXX in the amount of {$1100.00} XX/XX/XXXX in the amount of {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ADP Inc.
State: MI

Complaint narrative:
CFPB Complain Against Merchant : XXXX In this complaint, you will find the police report number. In which I was provided the wrong one, so, if that is the incorrect one. Please let me know. I have XXXX and XXXX. 

This report is against my Financial Institute : MyWisely. I actually can not find their information to give it to you guys. 

I reported to them the transactions and the police number and they refused to assist in this case. I even provided them the information to the company Corp guest relations. So, they can correlate the funds back into my account. They denied me the return and did no investigation. This is not the only issue with the finical institute. I believe they are assisting in something, above my level of proof. Money has been approved with notice, changes to my account, and missing money. Especially when I had two employers that used the same ADP and MyWisely. I would like the company investigated. Right along with XXXX XXXX XXXXXXXX : Specific Location and Corporate Office. 

* 1 ) My Wisely Finical Institute. No Information Available. XXXX XXXX recently advised to me, they dropped their affiliation. They have denied me a return, after providing them all the information of fraud on my account. Also, have mis appropriated funds, and covering it up. I swear if you do a open investigation, you will see just from my side, that will apply to others. After this, I will not longer bank with the suggested employer companies. But, this company is not assisting how it should. I have provided several instances with this kind of scenario 's on my account and no avail. I have also faxed and emailed instances of disputes not being refunded, so, they go and do a return prior to the dispute charge date. Serious : " How would I spend fund I noticed were incorrect the month prior to the dispute. This XXXX XXXX XXXX is the last straw, being {$940.00} and they denied me a refund or further investigation. I will be changing my banking institute. 

XXXX ) Specific Location : XXXX XXXX XXXX XXXX XXXX, XXXX, MI, XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, NC XXXX Phone : ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX Senior Operations Support Specialist XXXX XXXX XXXX  XXXX XXXX Fax XXXX XXXX XXXX These are all the people involved in the situation that have completed disregarded my request for footage of the person ( XXXX ) who stolen my money, information to press charges, refund, and resolution. I am not certain if this is the correct stop. The case listed above is the one, this may need to be under. I am still trying to get my funds back and just my fund can not equate. I have spent more time, money, energy,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: MO

Complaint narrative:
I have been a square checking account and user for 7+ months now and I've used the deposit check feature many times since opening as it's a free option for my customers and I for accepting payments. Recently square decided that I did not have enough history with them and they removed the feature to deposit checks into my checking account and only left the option of using the 3.5 % processing fees. They took away my free option after 7+ months of using the service.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: TX

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-03-06 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: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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: IL

Complaint narrative:
After reviewing my consumer report I noticed hard inquiries that I did not authorize, I did not make nor did I approve ANYONE to pull my credit. 
Delete these inquiries off my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have consistently ensured that payments on this account are made in a timely manner, preventing any instances of overdue payments. I'm uncertain about the reasons for the presence of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be enacted.

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 2024-03-06 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Kindly verify the documents to ensure compliance with FCRA 605B. There seem to be inaccuracies in some listed accounts on my credit report, causing unease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Kindly verify the documents to ensure compliance with FCRA 605B. There seem to be inaccuracies in some listed accounts on my credit report, causing unease.

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 2024-03-06 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:
Just to give some base information : Our home Mortgage is through XXXX XXXX which is a brand name for XXXX XXXX XXXX. XXXX is who are bills are addressed from which is subserviced by XXXX. For several months we have had issues with the payments being applied incorrectly to the account. The issue continues to happen even as recently as XX/XX/year>. Our credit report pulled today shows issues with XXXX and XXXX payment. I called and spoke with XXXX at XXXX XXXX sharing our confusion and concern. I explained we have set up auto pay and our bank is showing the money was sent. She also confirmed she showed our payments current and the XXXX was received on XX/XX/year>. I will also attach a statement showing XXXX payment on XX/XX/year> and the movement of funds at XXXX. It also shows the removal of a late fee due to the payment being applied to the account incorrectly.

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 2024-03-06 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: FL

Complaint narrative:
Just to give some base information : Our home Mortgage is through XXXX XXXX which is a brand name for XXXX XXXX XXXX. XXXX is who are bills are addressed from which is subserviced by XXXX. For several months we have had issues with the payments being applied incorrectly to the account. The issue continues to happen even as recently as XX/XX/2024. Our credit report pulled today shows issues with XXXX and XXXX payment. I called and spoke with XXXX at XXXX XXXX sharing our confusion and concern. I explained we have set up auto pay and our bank is showing the money was sent. She also confirmed she showed our payments current and the XXXX was received on XX/XX/2024. I will also attach a statement showing XXXX payment on XX/XX/2024 and the movement of funds at XXXX. It also shows the removal of a late fee due to the payment being applied to the account incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have consistently ensured that payments on this account are made in a timely manner, preventing any instances of overdue payments. I'm uncertain about the reasons for the presence of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be enacted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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: CA

Complaint narrative:
I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; 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

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 2024-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: PA

Complaint narrative:
I have consistently ensured that payments on this account are made in a timely manner, preventing any instances of overdue payments. I'm uncertain about the reasons for the presence of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be enacted.

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 2024-03-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX GA XXXX Experian RE : Request for Investigation and Remove of Unauthorized Credit Inquiry I checked my personal credit report and I noticed an unauthorized credit inquiry had been made. 

I contacted Experian, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. 

I request that you investigate the inquiries on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 

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

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Solar Mosaic LLC
State: SC

Complaint narrative:
Contacted Mosaic to cancel out the loan for the solar project that was cancelled by XXXX XXXX engineers due to their hesitancy to install solar panels on an older roof. Mosaic told me to contact XXXX XXXX to inform Mosaic of cancelled project. Over 3 months later, the loan is still on my credit report. I was informed by Mosaic they would remove the loan within 30 days. Nothing has been done so far and no resolution from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Correct the errors on my credit report immediately by deleting the late dates of the disputed items as mandated by the FCRA. Despite my multiple attempts to resolve this issue, your failure to respond appropriately is a clear violation of the law, and I demand prompt action. The FCRA provides penalties for non-compliance, and I expect you to rectify this matter without further delay or face legal consequences. XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7300.00}. Please update these accounts ASAP.

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 2024-03-06 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: MA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
From what I understand, FCRA 605B dictates the exclusion of any inaccurate accounts from my credit report. Could you please inspect the documents? There seem to be discrepancies in some of the listed accounts, and it's making me feel uneasy.

Company response to consumer: Closed with non-monetary relief