vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I noticed credit inquiries that I did not recognize. I called each company and asked for it to be removed, or provide me verification of my consent. They have refused to do either.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: IL

Complaint narrative:
I purchaced an item from XXXX and it was delivered XX/XX/year>. I used the product for less than a week and decided it did not work as advertised so i submitted a return request on XX/XX/year>. The company responded on XX/XX/year> asking for a reason, so i explained the problem. I again asked for return instructions on XXXX XXXX, but the company continued to avoid my request so i filed a dispute with the Apple XXXX card issued by Goldman Sachs bank XXXX XXXX XXXX, XXXX. 

They asked for evidence so i provided them with the email exchange between me and XXXX. On XX/XX/XXXX, apple determined the goods or services were not returned within the timeframe described by the merchant 's terms and conditions even though i specifically requeated return instructions that XXXX did not provide. 
I spoke to apple support who resubmited my claim and it got denied again on XX/XX/year> claiming that Based on our review, the original decision will remain because there is no evidence to substantiate the claim despite having provided the email exchange twice already. I contacted support and they again re-opened the claim asking for the same information for the third time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST PORTFOLIO SERVICING INC
State: NJ

Complaint narrative:
I am going through Financial Hardship I called Revvi to see what programs they had. They transferred me to their Program Company which is XXXX XXXX XXXX I submitted my application around XXXX they applied a payment for me on the XXXX of XXXX, and that they will send forms out for me to have sign by XXXX XXXX XXXX I sent in the forms that was requested of me they sent a letter to me on XX/XX/year> saying I was approved and they had applied {$41.00} towards my account. Then I had received another letter on XX/XX/year> that I was approved and that {$310.00} was applied also. 

I ended up receiving my bill in the mail that said I owe like {$490.00} so I called Revvi like a few times of around the time I received my letter from XXXX XXXX XXXX. 

They said they did not see anything posted, and this was to collect a debt, told them I was on the program that they referred me to and told me I have to call them. They transferred me to them and spoke with them, they said payments was applied but they can not see my account on their system and I have to call them back. 

I did call them back later on that day and the next day same thing. To call them I asked if they could call they so no they could not so I asked to speak with a manager they connected me, forgot to get his name. He said nothing was applied we went back and forth. 

I checked back again on XX/XX/year> I spoke with an agent name XXXX she told me that day that my account was charged off XX/XX/year>. I said what you all referred me to you all program which they had made several payments to my account. Was told I could submit my information to them by mail or email. 

I have submitted my complaint with XXXX XXXX XXXX which is under review.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
Service Finance Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed one billing errors under 15 U.S. Code 1666 ( b ) billing error Since XXXX XXXX I had been trying to reach out to the company but the customer service is not existent, they can not refer with the credit department and they blackmail me asking for a payment of US {$20000.00} for this account would be the only way they will delete this late payment. I requested a follow up of their investigation for the validation of this error, and they did not provide any information.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

Service Finance is reporting a late payment on the account No. XXXX this was a problem with their autopay system, while I was outside XXXX  . This company has hundreds of terrible reviews due to the same issue. Read the reviews : XXXX XXXX XXXX XXXX XXXX XXXXXXXX As I know Service Finance didn't notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the Service Finance 's bank account that i didn't pay and was marked late because this clearly a billing error. 

The account below should be updated to paid as agreed on my consumer report : Account 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 2024-12-23 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 writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked 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 XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2024-12-23 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 was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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:
Equifax information Services Credit Reporting Agency ATTN : Disputes Department XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Notice to Correct Credit Report Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681 of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 
Company Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number Comments Fraudulent Account Fraudulent Account Fraudulent Account Fraudulent Account Fraudulent Account Remove all fraudulent inquiries listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Also, 15 USC Section 1681 ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report.

Additionally, 15 USC Section 1692c ( c ) states t
hat if a consumer notifies a debt collector that the consumer refuses to pay a ( fraudulent ) debt, the debt collector must cease all communication.

Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: MA

Complaint narrative:
Every month that I use my card on an ATM Direct Express charges me an additional XXXX cents. 
On XX/XX/year>, I put in a complaint of fraud for {$610.00}. My card was used to pay an XXXX account without my permission and the account does not belong to me. Of the {$610.00} only {$300.00} was returned. I waited over 90 days for their investigation only for them to deny the claim for the remaining {$300.00}. They do not have a fraud department you can speak with. They say this is how it will stand. They said that I am now out of {$300.00}. They told me several times during the investigation that I needed to contact XXXX, which is not my job, and ask for my money back. I did contact XXXX who told me that yes there was fraud, the account did not belong to me, and that they can not reverse the charges that my bank can and then the bank is supposed to coordinate with XXXX to get the funds back. Direct Express refuses to do this and now there is no way for me to get my money back. This is not the first time that Direct Express has given their customers problems with fraud on their accounts. They were sued recently and still have not learned from the mistakes they have made. I am XXXX and this card is supposed to help those that get government benefits. It feels as though they are working against us or not working at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
First I want to start off saying I had paid off my Macy 's card and thats the only reason I was not checking online. XX/XX/year>, I received multiple calls from Macy 's but I thought it was a scam. I decided to check my Macy 's account and it said I was past due $ XXXX. I immediately called Macys to report my card stolen.I told them the only transaction that I made was on XX/XX/XXXX XXXX XXXX for the amount of {$91.00}. My new card was sent to my previous address. They helped me out and said it was going to be under investigation. 
XX/XX/year>, new card and new account were issue to me and expecting new card within XXXX week.

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 2024-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
I was charged for {$99.00} annual membership fee on XX/XX/year> for Barclays jetBlue card. I chose to close the account and called them on XX/XX/year>. The customer service person offered me to waive a membership fee and asked me if I would keep the account open. I agreed to keep my account open if they waive the fee. On XX/XX/year>, I received a statement indicating that my account has passed payment due date due to the {$99.00} fee. I called them again on XX/XX/year> and complained about what happened. A customer service person apologized and promised me to give {$99.00} statement credits within 24-48 hours. She also advised me that I should mail a letter to FCRA credit bureau for disputing the charge and that it will clear the record for late payments. I sent the letter as instructed and expected to see the statement credit within 48 hours. The statement credit didn't come in, so I called again on XX/XX/year>. This time, they insist the annual membership fee they were waiving is for next year and the {$99.00} already charged wouldn't be waived. For the statement credit they promised on XX/XX/year>, they insist that they don't have the recording and refuse to give. Due to the misinformation and lie, my account has been overdue and it is going to affect my credit. They say if I close my account, the {$99.00} fee will be cleared in 1-2 pay cycle. However, until then, my payment will remain overdue unless I make minimum payments. They are basically forcing me to pay for something that I don't want to buy.

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 2024-12-23 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: OK

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 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 21 days before the payment due date. XXXX  XXXX 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! Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: GA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law.

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 2024-12-23 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: TX

Complaint narrative:
Subject : Formal Complaint of Deceptive Reporting Tactics Dear TransUnion, I am writing to file a formal complaint regarding a recurring issue with my credit report involving a collection account. Previously, I successfully disputed a collection account listed under the name XXXX XXXXXXXX XXXX XXXXXXXX ( Account Number : XXXX ) for {$3700.00}, and it was subsequently removed from my credit report between XX/XX/year>, and XX/XX/year>. 

However, a new collection account has now been added to my credit report under the name XXXX XXXX XXXX, listing the same debtoriginally owed to XXXX XXXX a slightly adjusted balance of {$3700.00}. This practice appears to be a blatant attempt to circumvent the removal of the original collection account by re-reporting the same debt under a different agency with an altered balance. 

The details of the new account are as follows : Creditor Name : XXXX XXXX XXXX XXXX : {$3700.00} Account Status : Placed for Collection Account Opened Date : XX/XX/year> This behavior constitutes a violation of the Fair Credit Reporting Act ( FCRA ) for the following reasons : 1. Deceptive Reporting Tactics : The re-reporting of the same debt under a different collection agency name and with a different balance is misleading and appears to be an attempt to reintroduce a previously disputed and removed collection item.

2. Accuracy and Fairness : This re-reporting does not adhere to the principles of accuracy and fairness required under the FCRA. The debt in question should not have been re-added to my credit report after its removal.

I am requesting a thorough investigation into this matter. Please provide the following : Verification of the new collection account and its accuracy.

Evidence that the new creditor has a legal right to report this debt, particularly after the original collection account was disputed and removed.

Enclosed, I have attached : 1. A copy of my credit report showing the previous dispute and removal of the original collection account.

2. Documentation of the new collection account added under XXXX XXXX XXXX. 
3. My previous dispute letter, which led to the removal of the original collection account.

I request that you immediately remove the newly added collection account from my credit report and take appropriate measures to ensure such deceptive reporting practices do not occur again.

Please confirm in writing once this matter has been resolved and provide me with an updated copy of my credit report. Should you require additional documentation or information, feel free to contact me. 

Thank you for your prompt attention to this matter. 

Sincerely,

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 2024-12-23 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 did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

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 2024-12-23 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: SC

Complaint narrative:
Re : Data Breach Request for Deletion of Accounts and Inquiries Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) I am writing to notify your bureau that I am a victim of a data breach. As such, I request the immediate blocking and deletion of the following accounts and inquiries as permitted under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ).

ACCOUNTS TO BE BLOCKED AND DELETED : 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 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 non-monetary relief