vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-22 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:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: SC

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: NV

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 


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 has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy. 


15 U.S.C 1681 Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 


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


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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : 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 XXXXXXXX 15 U.S.C 1681 Section 604 A. States I have the right to Privacy 15 U.S.C 1681 Section 604 a Sub Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions..

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 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
My credit report shows a charge off from my XXXX XXXX Credit Card. I had that credit card for XXXX without incident of paying late. For most of that time the card was owned by XXXX XXXX but in later years other companies purchased the business with the last on being Goldman Sachs. I have always made the payments on this card to a po box listed on my statement via a check authorized through my bill pay with XXXX XXXX XXXX XXXX. 
Sometime after Goldman Sachs took over, I received a letter saying my payment had been returned. I contacted Goldman Sachs regarding this problem. We reviewed the details of the payment, account number, etc. and they told me it must be a problem due to that it was a newly acquired card and I should try again. I send another payment ( also eventually returned ) and then receive the new statement showing a late fee had been assessed. I contacted them again with the same results and then more fees. I finally told them I would pay using a different method. I sent the amounts due but not the late fees as they needed to remove them ( They returned my payments ). My understanding was this was resolved, and I closed the account due to the frustration of their customer service. Recently, when buying a car, I was informed that my credit report had a charge off from Goldman Sachs XXXX XXXX. The amount of the charge off was the fees they improperly assessed. 

I have attached several documents showing the payments made at my bank, that they were returned by XXXX and that they then charged me fees and negatively affected my credit. I must stress that several other companies took over the XXXX XXXX over the year and there never was a transition problem like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One is furnishing information on my credit report for account XXXX which violates the FCRA. This account has been closed and is past the statute of limitations which makes the alleged debt uncollectible. The statute of limitations in the state of Texas is 4 years. There should have been a balance of {$0.00} reporting, but Capital One is furnishing a balance of {$670.00}. I am not asking for the account to be XXXX out, I am requesting that this account is deleted from my credit report due to false and misleading information. Furthermore, the credit reporting agencies are reporting different information for the date last active. Had I not caught this, Capital One would still report a balance. I will be seeking legal action if this account is not deleted within 30 days. I will attach the account for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On the XX/XX/XXXX I logged in to access my virtual card on my regular capital one card, no issues. Then today, I try to do the same, and am being told they can not verify my phone number. The phone number in question appears to be correct, I can see the last XXXX digits. I call in to ask what is going on. I am told by the XXXX agent, that my phone number was updated on XX/XX/XXXX. I asked who updated my phone number. It wasnt me. I changed my number around XX/XX/XXXX, I called/chatted/updated my phone number with all companies I do business with, this included Capital One. Capital one is claiming they have no record of that contact and my number was updated on XX/XX/XXXX, but an unknown party or system generated. I wasnt told how it was updated even though I asked multiple times how it was updated or who updated it. XXXX, the XXXX  I talked to gave conflitcing information to what the XXXX  representative gave. Neither XXXX fixed my issue of not being able to use the Virtual card on my account despite it working a few days ago. No one told me who initiated a phone number update. No one told me why my number wasnt updated months ago when I actually didnt attempt to have my number updated. XXXX also told me that my previous number that I had for many of years was only updated last year which is also false. I never updated my previous number years after having the same number, that also makes no sense. My number was verified to log into the Capital One app, but isnt good enough to verify to get my virtual card. I am a bit concerned about their record keeping. I am concerned about the safety of my account. I am concerned for the conflicting infomation that a XXXX provides against the her co-worker. I am concerned about what keeps updating my info when its clearly not me. I want answers. Its now saying my account is at the maxium amount for adding numbers. I havent added any numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have asked yall for help before to know avail. I am a XXXX XXXX man on SS. I went to XXXX and they had a credit builder program. I signed up. Its a savings program where you pay yourself into a holding account. At the end you get XXXX. Sounds great. 

My truck XXXX XXXX. It is very hard on SS to get it fixed. i have tried to get a part time job to no avail. NO XXXX. I would have to wait for my next payment to come in to buy parts. It took me 2 months. So I get tagged for missing a payment. I knew I wouldnt be able to carry on and needed to cancel my membership. 

I contacted XXXX and told them the situation. They said you have equity so we need XXXX ( that number changed depending on who you talked to ) and we will close you out. But FIRST you have to make up the missed payment. I said thats the whole issue. My finances have changed drastically. I cant afford this. And a missed payment is me paying me into a holding account. Youre reporting a savings account. 

Since then, 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 ) Since requesting XXXX to close me out my truck has been on the blink. My repair after 2 months only created more issues. You cant work part time without a way to get there. Even today the hood is up. I have had a rough financial time. I dont know why I cant cancel a saving account. 

Since then, to cut back and get parts XXXX XXXX XXXX XXXX XXXX XXXX for 3 days. I was XXXX XXXX XXXX. XXXX XXXX XXXX Had a moment of clarity long enough to call an ambulance. XXXX wrote me about the complaint. I have told them all this. I CANT PAY. They said tough we are going to report XXXX missed payments to the Credit Agencies. So lets kick the old man on SS who is having a rough time and XXXX HIM. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My dog went hungry during those 4 days. The driver taking me home stopped at a grocery store so I could buy dog food. 

I have no reason to believe CFPB will do anything about this. So the last two complaints have been closed. I never even was notified and told by your staff I cant appeal. She said fill out another complaint. OMG. 3rd try. 

So Consumer Financial Protection Board will kick this down the road. Join with XXXX in suppressing me. By reporting me missing a payment into A SAVINGS ACCOUNT. 

I have contacted a debt agency to help me with my debt. Theyre ready. I cant raise the payments. Do you think good credit might help me in my old age? 

Im copying XXXX XXXX on this. She created this agency and has a stake.

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 2024-05-22 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: FL

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in 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 2024-05-22 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: CO

Complaint narrative:
I received a {$100.00} AmEx Gift Card as a GIFT. It specifically says " FUNDS DO NOT EXPIRE '' and has an expiration date on the card of XX/XX/29. I struggled to use it at the grocery store today- with a long line of people behind me. The cashier kept saying that she had never seen the error that was popping up. -If the error said " insufficient funds '' /etc, I might have assumed that someone had " stolen '' the money from the card/etc. I called the AX number on the back of the card while at the store on speaker, I entered the card number and security code, the automated assistant said there was a problem with the card and I needed to check the funds online. I came home and did just that. -I got an " unknown error '' message - no explanation of what the problem was. I called and finally got through to a person, I told them what was happening. After several minutes on hold, the agent came back and said that the money had become " Unclaimed Property '' with the state. WHICH State?! -Wherever you bought it. I didn't buy it- it was a GIFT! I have other gift cards that I received at the same time - ( XXXX, etc ) and they all work just fine. Is this real? Who is running this scam? -Is this AmEx running a scam? -Or are states truly seizing anonymous gift card money? -That is impossible to re-claim - because it's not registered under anyone 's name?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: TRUIST FINANCIAL CORPORATION
State: AR

Complaint narrative:
Re : Formal Complaint Against Truist, XXXX, and XXXX Dear CFPB Dispute Resolution Team, I am writing to formally request your intervention regarding an unresolved issue with a negative remark on my credit report. Despite my efforts over the past year to address this with Truist and the credit reporting agencies ( XXXX and XXXX ), my complaint has not been acknowledged or properly investigated. 

The negative remark pertains to a vehicle repossession that should have been removed from my credit report, as it is over 7 years old. According to the Fair Credit Reporting Act ( FCRA ), this information should no longer be reported. 

However, Truist, XXXX, and XXXX have failed to comply with this requirement. 
The CFPB should investigate and fine Truist, XXXX, or XXXX if they do not correct my credit report. The CFPB has taken steps to ensure companies follow the law 's requirements, including investigating disputes and not providing disputed information that can not be verified. The FCRA requires consumer reporting companies to investigate when notified of incorrect or incomplete information. However, these companies have not complied with this obligation in my case. 

For your reference, I have included the following documents : - Page XXXX : XXXX XXXX XXXX 's XX/XX/XXXX Complaint to Truist - Page XXXX : XXXX XXXX 's XX/XX/XXXX Complaint to Truist - Page XXXX : Truist XXXX sent on XX/XX/XXXX - Page XXXX : Truist XXXX sent on XX/XX/XXXX - Page XXXX : XXXX Dispute Results Confirmation # XXXX - Page XXXX : SunTrust Notice of Repossession - Page 22 : Identity Verification Documents I urge the CFPB to take action and hold these companies accountable for their failure to comply with the FCRA.

Thank you for your attention to this matter. I look forward to your timely response and resolution of my complaint. 
Sincerely, 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 2024-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Bought a XXXX from a XXXX XXXX on XX/XX/2024 through the university for {$30.00} instead I was charged XXXX and over charged. I was not given a receipt, called the university, however, due to the nature of the event they don't have a record of all purchases made on that day. Called Chase bank let them know the situation and they mentioned I needed a receipt, I mentioned I don't have a receipt because of it being a XXXX and they weren't giving receipts. They did not proceed to help me. I've been double charged before and never needed to provide a receipt until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: FL

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in 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 non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST PORTFOLIO SERVICING INC
State: NV

Complaint narrative:
On XX/XX/2024, I contacted Total Visa to report numerous fraud charges on my account I requested the ability to upload supporting documents and was not granted access to it. I had to call back repeatedly, and the situation has not been remedied. This has adversely affected my Credit Score as a result.

Company response to consumer: Closed with explanation