vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-13 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
On XX/XX/XXXX, I ordered an item from XXXX for {$60.00} total payed on my Goldman Sachs Apple Card. The item never came. I got an email confirming that it was delivered. I emailed XXXX, and they said to wait, and that maybe it would come, and that if it doesn't I should email back after XXXX days. It did not come. I emailed the United States Postal Service ( USPS ). I gave USPS the tracking number that was provided to me by XXXX. XXXX investigated the matter, and told me that the tracking number was not for a delivery to me ( note : I double checked that I provided XXXX with the correct address, this is not the problem ; either the package was misaddressed, or the seller engaged in a fake tracking ID scam. ) A USPS employee went to the place that the package was delivered, confirmed it was delivered, and confirmed that it was not addressed to me. They reported this to me via email. I sent this information to XXXX, and they still refused to refund me for my purchase. Then I disputed the charge with Goldman Sachs on XX/XX/XXXX. Goldman did not ask for any information regarding the dispute, and I reached out on XX/XX/XXXX because I wanted to share my correspondence with the USPS. They declined at that time to consider that evidence. On XX/XX/XXXX they notified me that my dispute was reversed. I reached out the same day to complain and offer again to share correspondence with USPS. They reopened the dispute and I shared my evidence. They again reversed my dispute on XX/XX/XXXX. I again reached out to them to complain that day, and I requested the response provided by the merchant. I again on XX/XX/XXXX sent them my evidence and refuted the evidence provided by XXXX. On XX/XX/XXXX, they again emailed saying my dispute was reversed. I again emailed on XX/XX/XXXX to complain and to request more information on how Goldman review disputes. They declined to provide information on their dispute adjudication processes, but they did again reopen the dispute. The latest dispute reference number is XXXX and the latest claim reference number is XXXX. All communication to and from Goldman Sachs has been in writing. I do not believe that Goldman Sachs has fair or adequate processes in place to adjudicate disputes as required by law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America engaged in deceptive practices regarding a purported loan agreement for the acquisition of a vehicle. Contrary to standard loan transactions, I provided Bank of America with a liquid-backed security to facilitate the purchase. The security, funded by my social security number, constituted the entire financial transaction. 

Bank of America, however, has been issuing monthly statements containing false information, misrepresenting them as genuine bills. These statements not only misrepresent the nature of the transaction but also create an environment of deception and confusion. By disseminating these fraudulent statements, Bank of America is committing mail fraud, a serious violation of federal law. 

Furthermore, Bank of America has been engaging in extortion by demanding payments from me that are not legitimately owed. Despite the absence of any valid loan agreement or debt, Bank of America persistently seeks payment, thereby unlawfully coercing funds from me.

Applicable Laws : Mail Fraud : Bank of America 's dissemination of false statements through the mail constitutes mail fraud under 18 U.S. Code 1341. This law prohibits the use of the postal system to execute schemes involving false pretenses or misrepresentations. 

Extortion : Bank of America 's unwarranted demands for payment, despite the absence of a legitimate debt, constitute extortion under various state and federal statutes. Extortion involves unlawfully obtaining money or property through coercion or intimidation. 

In conclusion, Bank of America 's deceptive practices, including the issuance of false statements and unwarranted demands for payment, are clear violations of federal law. Their actions not only harm me as a consumer but also undermine the integrity of the financial system. It is imperative that appropriate legal action be taken to address these unlawful practices and hold Bank of America accountable for their actions.

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 2024-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
I had major XXXX XXXX a few months ago and was unable to maintain my credit cards I called in and asked for a settlement deal on two cards that are now concord credit, Indigo and Destiny, I received the offers in the mail and I made the payments requested by the date request via phone, on both cards to close the accounts, but they did not close them, but instead doubled fees the next pay period, I called and U was told that the customer service rep who took the payment forgot to put in the code and it would be fixed, that was more than XXXX weeks ago and yet another killing cycle went thru with even more charges, Indigo credit card number XXXX XXXX XXXX XXXX Destiny card number XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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: FL

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-03-13 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: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2024-03-13 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: NY

Complaint narrative:
I am writing to dispute a hard inquiry that appears on my credit report. I did not authorize this inquiry nor do I have any association with those listed creditors.

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 2024-03-13 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: NY

Complaint narrative:
I am writing to dispute a hard inquiry that appears on my credit report. I did not authorize this inquiry nor do I have any association with those listed creditors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have identified unauthorized inquiries on 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 2024-03-13 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX is in violation of my consumers rights ( 15 U.S. Code 6802 ) by providing my personal information to XXXX XXXX XXXX who I do not have a contract or debt with, which is considered Identity thief.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: FL

Complaint narrative:
Florida Department of Revenue Child Support Fraudulent and unknown Reporting multiple accounts on all credit bureaus with different information Several XXXX individuals in Florida with similar names and information

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 2024-03-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Wednesday XXXX XXXX XX/XX/XXXX and the XXXX or XXXX day of ..and the same I talked to the leader we applied they said that I have to many inquiries and another said dont have enough credit history then another one said need to get a mortgage try getting a hi interest credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: CITIBANK, N.A.
State: MD

Complaint narrative:
Wednesday XXXX XXXX XX/XX/XXXX and the XXXX or XXXX day of ..and the same I talked to the leader we applied they said that I have to many inquiries and another said dont have enough credit history then another one said need to get a mortgage try getting a hi interest credit card.

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 2024-03-13 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: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Wednesday XXXX XXXX XX/XX/XXXX and the XXXX or XXXX day of ..and the same I talked to the leader we applied they said that I have to many inquiries and another said dont have enough credit history then another one said need to get a mortgage try getting a hi interest credit card.

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 2024-03-13 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: CIG FINANCIAL LLC
State: CA

Complaint narrative:
A vehicle was leased through CIG Financial through XXXX XXXX with my identity. 
The vehicle was an XXXX XXXX XXXX Leased in XXXX XXXX The car was repossessed in XXXX Other names on the account were XXXX XXXX, and XXXX XXXX XXXX as my father ) I have no knowledge of any of these individuals. I was told by a representative at CIG financial to fill out this form. This information was provided through CIG Financial

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: GA

Complaint narrative:
TransUnion, XXXX, and XXXX continue to report incorrect information on my consumer report. My name is XXXX XXXX there should be no other name on my report, my address is XXXX XXXX XXXX XXXX, Georgia XXXX any other address is not mine and should be immediately deleted. The credit bureaus are required under federal law to report accurate information. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2024-03-13 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: CA

Complaint narrative:
XXXX XXXX ( Bank ) XX/XX/2022 / CAPITAL XXXX ( Bank ) XX/XX/2022 /

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 2024-03-13 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: GA

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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: TN

Complaint narrative:
I implore you to conduct a thorough investigation into this matter and promptly rectify this error. Your swift response to this issue is highly valued and appreciated.

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 2024-03-13 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: TN

Complaint narrative:
I am writing to dispute a hard inquiry listed on my credit report that I believe to be unauthorized. The inquiry appears on my report however, I have not initiated any credit application or authorized any inquiry from those listed on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
Serve Prepaid Card by Amex Federal Refund : XXXX XX/XX/XXXX State Refund : XXXX XX/XX/XXXX Monthly Fee : XXXX XX/XX/XXXX I received my temporary card in the mail and was able to use it. Then I lost the card and reported it lost/stolen around that time ( XX/XX/XXXX ). Since then I have been calling every week and sometimes more than once a week. They told me I could do a cash pickup through the app at XXXX but that did not work. They keep telling me they shipped a card out but it never comes. They have told me it was an address confirmation. I sent them an email with XXXX forms of mail showing my address. They told me I had to give them my temporary card number to verify my account. I searched for the card everywhere and found it. I gave them my temporary card number, and now they say it will take XXXX  days to verify my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Medical Data Systems, Inc.
State: FL

Complaint narrative:
Continue calls 10 a day after XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax keeps sending me codes by USPS mail to enter at their website... .I enter the code and it never works... all I get is a pop-up telling me to call customer service..I call customer service and they tell me they will text me on my cell phone ... I do not have a cell phone... They tell me that they will mail ( USPS ) me another code..I get the code in the mail and the same thing happens..It never works ... I have done this 4 times ... I have wasted hours on the phone with their 'customer service ' ... They refuse to send my credit report ... there is an item on their report that I want to dispute, but I need the details...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: IL

Complaint narrative:
It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts 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 non-monetary relief
Consumer complaint received 2024-03-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I received a credit alert from my bank and, capital one, all XXXX credit bureau of a hard inquiry. I have not applied for any credit cards.

Company response to consumer: Closed with non-monetary relief