vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I placed an XXXX XXXX XXXX  XXXX order online XXXX on XXXX XX/XX/year> using Apple Card, due to delivery date is long canceled on XXXX XX/XX/year>. I got intimation like once order sent back to warehouse I will get refund but it took long and went till XXXX XXXX. But I raised a dispute XXXX XXXX in my apple card to avoid payment for that monthly bill. I havent Received refund even after XXXX XXXX so. 

I called apple and explain the situation after being in 2hr call with Goldmansach & apple team. I came to know that apple completed their side by generating invoice proofs and set their side refund as completed by assuming Goldmansach already provided me a refund by looking at dispute credit. as we know dispute credit is not refund its just a temporary credit available till that investigation proved. 

So they both ( Apple specalist & GoldmanSach ) in call came to conclusion that I need to drop dispute so Apple can initiate a refund in 60 days, Today ( XX/XX/year> ) I'm still waiting for my money. if I call apple they are saying refund completed from our side call your bank & I'm calling goldmansach they are saying we havent received any refund from apple. I'm getting so confused what to do both are not helping even they are partners in Apple card. I pray XXXX everyday for my refund {$1300.00} its not a small amount to me. Please need some help. 

Order number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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:
I regularly check my credit report because my credit score is important to me and I keep seeing inaccurate and false information on it, this has been a recurring issue on my credit report and hasn't been fixed since then no matter how many times I bring it up that it is so stressful and exhausting, it's badly affecting my life and my credit score unfairly.

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 2024-08-09 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: GA

Complaint narrative:
summited a dispute to TransUnion and the replyed that the letters didn't come from me and refuse to correct the errors 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 non-monetary relief
Consumer complaint received 2024-08-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm writing to take a gander at my titanic concern concerning the attempted records recorded on my credit report. I have truly drawn these mistakes out from the shadows and have essentially on different events suggested an exhaustive evaluation. At any rate, paying little brain to what my expected endeavors, I very can't get any goal or restorative activity. 

These stirred up records are truly influencing my credit report and are essentially obliterating my capacity to have a standard presence. The confining consequence of these mistakes has caused beast inconveniences for me, and I'm left with no decision near look for your nearby help with surveying what's happening. 

I thoughtfully demand that you lead an exhaustive evaluation concerning the choosing of these attempted records. It is key that the major advances are taken to restore and change my credit report immediately. With your assistance, I truly need to reestablish the precision and uprightness of my credit record, permitting me to recover command over my cash related achievement. 

I truly demand that you propose this matter your generally ludicrous idea and make a rapid move. Your joint exertion and moving in settling this issue rapidly would be enormously colossal. 

Much appreciation to you without a second thought for your appreciation and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Please correct and update my personal information as soon as possible. I have enclosed my identification card, social security number and proof of address

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 2024-08-09 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: CA

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-08-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I tried opening an account with Navy Federal and I couldnt because it was already opened without my consent this all started in 2021. They said I owe them but I never opened any accounts with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.

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 2024-08-09 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: FL

Complaint narrative:
I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 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: IL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX- Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of InquiryXXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of InquiryXXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of InquiryXXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of InquiryXXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hi, I recently got a copy of my credit report and noticed a bunch of addresses that Ive never lived in that were not mine. Please remove these addresses that I do not know of. I should have only XXXX address on my credit report and that is XXXX XXXX XXXX XXXX, TX XXXX. I have attached a photocopy of my driver 's license and phone bill. Please delete these addresses immediately. 


XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX 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 2024-08-09 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: RI

Complaint narrative:
XXXX. Bank XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. SYNCB/PAYPAL XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX All inquiries from EXPERIAN

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 2024-08-09 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: CA

Complaint narrative:
I have identied several inaccuracies on my credit report and subsequently reached out to the credit reporting agencies to address this issues. These accounts are in connection to identity theft on fraudulent activity. The credit reporting agencies have not adhered to federal trade commission regulations and have failed to correct these discrepancies. This noncompliance represents a clear infringement on my consumer rights. I am seeking the assistance of the federal trade commission, as well as the consumer nancial protection bureau to facilitate the removal of certain negative accounts for my credit report, these accounts have not been addressed in accordance with relevant compliance standards, and I require the consumer nancial protection bureau 's intervention to ensure proper resolution of these issues if these companies fail to remove these accounts, I will le a complaint with the XXXX XXXX XXXX as well as with the Oce of the comptroller of the currency

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 2024-08-09 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: WI

Complaint narrative:
My account with 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 those account 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 XXXX  days before the payment due date. 

XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 2024-08-09 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: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 XXXX 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 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

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 XXXX 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 2024-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
ALLY FINANCIAL ; I was shocked TODAY when I reviewed my credit report and found late payment on the dates below : XX/XX/year> I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I deposited my check from work on XX/XX/XXXX and it became available on XX/XX/XXXX. On XX/XX/XXXX, my account was already closed and my funds were unavailable to me. I called many days and the only answer that was given to me was that they werent able to disclose any information to why my account was closed. They said that they have the right to hold any information and I have to wait over XXXX  days to get my funds back. This aint right because I work very hard to provide for my kids and I was counting on this money to pay my rent for XXXX and Im late XXXX days.

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 2024-08-09 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: TX

Complaint narrative:
I'm writing to take a gander at my titanic concern concerning the attempted records recorded on my credit report. I have truly drawn these mistakes out from the shadows and have essentially on different events suggested an exhaustive evaluation. At any rate, paying little brain to what my expected endeavors, I very can't get any goal or restorative activity. 

These stirred up records are truly influencing my credit report and are essentially obliterating my capacity to have a standard presence. The confining consequence of these mistakes has caused XXXX  inconveniences for me, and I'm left with no decision near look for your nearby help with surveying what's happening. 

I thoughtfully demand that you lead an exhaustive evaluation concerning the choosing of these attempted records. It is key that the major advances are taken to restore and change my credit report immediately. With your assistance, I truly need to reestablish the precision and uprightness of my credit record, permitting me to recover command over my cash related achievement. 

I truly demand that you propose this matter your generally ludicrous idea and make a rapid move. Your joint exertion and moving in settling this issue rapidly would be enormously colossal. 

Much appreciation to you without a XXXX  thought for your appreciation and help.

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 2024-08-09 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: GA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-08-09 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: VA

Complaint narrative:
XXXX XXXX  is reporting to my XXXX, XXXX, and Transunion credit reports late payments and foreclosure.

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 2024-08-09 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: VA

Complaint narrative:
XXXX XXXX  is reporting to my Equifax, XXXX, and XXXX credit reports late payments and foreclosure.

Company response to consumer: Closed with non-monetary relief