vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-25 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: GA

Complaint narrative:
IVE TRIED RESOLVING IT DIRECTLY WITH THE CREDIT BUREAUS FIRST ( CALLING, MAILING IN OTHER 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 2024-11-25 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:
IVE TRIED RESOLVING IT DIRECTLY WITH THE CREDIT BUREAUS FIRST ( CALLING, MAILING IN OTHER 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 2024-11-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
The car was bought when I went out of my resident State of Ohio to work in Alaska. The ideal was to use the car there. however, The car was left at the partking lot of the airport  and it was during the time of Covid and was not able to go back for the car. Hence didi not see the car again. I call Capital one and explain the situation to them.. 
Am sure we can go back in time to verify exactly what happend .It was parked at XXXX parking lot close to the airport. I did not use the car not for a month before the incident occured

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: NJ

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 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 2024-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/year> a hard inquiry was done on my credit but did not go through because I have a credit freeze on my account from past identity theft. I spoke to capital one support and they told me it was fraud and it would be removed off my credit report, fast forward 2 months and it's still there. I tried to dispute it through the 3 credit companies and it said that capital one verified it as accurate. How is this accurate when I didn't apply for a credit card. I also filed a complaint with the XXXX  but haven't heard anything back from capital one. I want this removed off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: MN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-11-25 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Subject Formal Complaint Regarding Delay in Returning Matured CD Funds To Whom It May Concern, I am writing to formally lodge a complaint against Goldman Sachs Bank USA Marcus regarding their failure to return the principal and interest from a matured Certificate of Deposit CD to my designated account despite multiple attempts to resolve this issue directly with the bank. Details of the Issue Account and CD Information CD Account Number XXXX Original Deposit Amount XXXX plus CD Maturity Date XXXX Issue Summary Upon maturity of the CD I requested that the total amount including accrued interest be transferred back to the same account used for the original deposit. I followed all the banks security protocols and provided the necessary verifications to facilitate the transfer On XXXX. I received an email from the bank stating that the CD account was closed however the funds were never transferred to my designated account. This has been repeated multiple times even on XXXX ( other dates XX/XX/year>, XX/XX/year> ). Ongoing Concerns Despite the closure notice my CD account still shows the balance and the transaction history indicates that the bank reversed the outgoing transfer request. It has been over 20 days since the initial request and I have not received any resolution or clarification regarding the delay. Repeated ( 5+ ) attempts from solely from my side to contact the bank without getting any communication from the Bank and escalate the matter have been unsuccessful. 
Impact of the Delay - The prolonged delay has severely disrupted my financial plans which relied on the availability of these funds. This has caused significant financial hardship and potential loss of investment opportunities. Request for Assistance I am requesting the Consumer Financial Protection Bureau ( CFPB ) team to Investigate the handling of my funds by Goldman Sachs Marcus Ensure the immediate release of my matured CD funds to my designated account. 
Assess whether the banks practices comply with federal regulations governing such accounts and fund transfers. 
Supporting Documentation - I am prepared to provide copies of all communications with the bank, including emails and notices. 
Screenshots or account statements showing the account status and transaction reversals. Any other documentation relevant to this matter Please connect with me as shared about my information. 
Thank you for your attention to this matter I trust the Consumer Financial Protection Bureau ( CFPB ) will assist in ensuring my funds are returned promptly and that appropriate action is taken to prevent such issues in the future along with compensating mental stress, trauma and by having financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate I sent a letter on XX/XX/24, asking them to reinvestigate this account XXXX XXXX XXXX and this is my tracking number XXXX. 

I got the investigation back but noticed nothing was modified or updated. 

So I requested a description of the reinvestigation and they did not provide it to me which is a violation of USC 1681i7.

They also violated 15 USC 1681i ( 5 ).

Please look into this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I want to be able to use the Experian website to manage my credit freeze, as I have been a victim of identity theft in the past. For the last several years I have been unable to access my account or create a new account via the Experian website, I am taken to this error page after logging in : Oops, we're sorry! 
We have encountered an irrecoverable system error. Please note that your order has been canceled. Sorry about the inconvenience. 

Call us toll-free at XXXX Hours of operation : Mon - Fri : XXXX XXXX  to XXXX XXXX  XXXX Sat - Sun : XXXX XXXX  to XXXX XXXX  PT The URL has "? XXXX '' if its relevant. 

I have tried calling and sending letters to experian but have not had a successful response. Currently my credit is frozen and this is preventing me from accessing new lines of credit.

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 2024-11-25 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: CA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-11-25 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: FL

Complaint narrative:
My account with XXXX TRANSUNION was never late! I have had exceptional payment history 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 to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: CITIBANK, N.A.
State: FL

Complaint narrative:
1. I ordered a water bottle from XXXX XXXX. 
2. It was defective, and I requested to return it on XX/XX/year>. 
3. After a copious number of back-and-forth exchanges with the company, I eventually was able to get a return label and mail back the water bottle. Tracking information shows that it was received.

4. Many months have passed, and this has still not been refunded. I submitted a dispute on Citi 's portal and was originally granted a refund pending an " investigation. '' 5.I am LIVID that despite copious evidence that this has been returned and the company IN WRITING emailing me asking me to withdraw the dispute, saying that they would rather just process it on the side and acknowledge that they have received it, Citi Bank has recharged a temporary refund to my account without cause. 

This is completely unacceptable and, at this point, a fraudulent charge. I have provided copies of my email exchanges with the comapny.

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 monetary relief
Consumer complaint received 2024-11-25 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: AL

Complaint narrative:
Under the doctrine of estoppel by silence, as referenced in XXXX XXXX XXXX, it is presumed that no evidence of the debt exists.I am writing to formally demand the immediate deletion of any derogatory information on my credit report that has not been fully verified as true, correct, complete, and compliant with all applicable reporting laws, including the FCRA, FCBA, FDCPA, and XXXX XXXX COMPLIANCE STANDARDS.

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 2024-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
XXXX settled my XXXX  in a timely manner for the attached amount however they coded the Venmo transaction as " Goods and Services '' which is incorrect. No one at XXXX, XXXX XXXX, or Venmo can help. I've given up on all three of these companies. I find it unacceptable that a multibillion dollar company can not cancel a transaction with my permission ( as I'm the recipient ). I am now in jeopardy of losing my XXXX XXXX thanks to these people. If I could sue for damages and lost time at work, I would. 

Hopefully you can help this common sense problem. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate I sent a letter on XX/XX/year>, asking them to reinvestigate this account XXXX XXXX XXXX and this is my tracking number XXXX. 

I got the investigation back but noticed nothing was modified or updated. 

So I requested a description of the reinvestigation and they did not provide it to me which is a violation of USC 1681i7.

They also violated 15 USC 1681i ( 5 ). 
Please look into this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: AL

Complaint narrative:
In XXXX XXXX XXXX, it is presumed that no evidence of the debt exists.I am writing to formally demand the immediate deletion of any derogatory information on my credit report that has not been fully verified as true, correct, complete, and compliant with all applicable reporting laws, including the FCRA, FCBA, FDCPA, and XXXX XXXX COMPLIANCE STANDARDS.

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 2024-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Gap credit card is mistakenly billing my credit cad account for a returned that I made.

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 monetary relief
Consumer complaint received 2024-11-25 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: Exeter Finance, LLC.
State: CA

Complaint narrative:
Exeter Finance LLC. Dear Sir/Madam, I am writing to formally demand that you cease and desist all communication with me regarding the allege debt. Referenced under account # XXXX, in according with the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ). Please note that any further contact from your agency, except for the purpose expressly allowed by the law ( such as notification of legal action or final settlement ), will be considered a violation of federal law, and I will take all necessary legal action to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: FL

Complaint narrative:
I hereby dispute the validity of this debt in its entirety and demand this account to be removed because it is in violation of multiple Federal Laws. This account is in LITIGATION and it should not be reporting on my credit profile. Because of the violation of the Fair Credit Reporting Act and Florida Consumer Collection Practices Act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: CLGF Holdco 1, LLC
State: OK

Complaint narrative:
On XX/XX/year> a company, Febdestiny preformed an unauthorized inquiry and I would like for it to be deleted from my XXXX Credit Report Immediately. 

Thank you, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 


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

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 2024-11-25 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Getting several calls daily from Portfolio Recovery at all hours ( before, during, and after business hours ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
Someone used my Social security number, my name, home address, to obtain a Best Buy XXXX XXXX and purchased merchandise. The transaction was said to have occurred on XX/XX/XXXX, Plaintiff : [ Name ( First, Middle, Last ), Address, City, State, Zip ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The plaintiff states the following claim against the defendant ( s ) : Plaintiff Demand:1. 
Plaintiff demands judgment for Claim for Money {$1400.00} WHEREFORE, the plaintiff demands judgment against the descendant in the amount of {$1400.00}, as well as the costs on disbursements of this action in any other relief this court deems just and equitable. 

Plaintiff waives statutory attorney fees. 
NOTICE : This communication is from your debt collector. This is an attempt to collect a debt, and any information obtained will he used for that purpose. 
Dated this XX/XX/XXXXXXXX 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 monetary relief