vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-15 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: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/year> I was charged {$1200.00} for bad service and parts.

My truck was broken down and parked in the rest area
.

The road service XXXX XXXX XXXX drove up to me on their own and offered to fix.

After my explanation about electrical issues, they PROMISED to fix the problem with the engine starting.

They found by their opinion that the starter is bad and offered to buy a NEW one and deliver to me.

They replaced it and nothing changed. The engine still couldn't start. The problem was not in the starter, but after payment they left and took my WORKING starter. I had to pay them by invoice, otherwise I would have had problems with them.

I took pictures of their starter just in case and the pictures helped me later.

I ordered the towing to the other shop, they fixed the electronic issue and I left the shop on my truck.

In the next 1-2 days, the starter started getting worse and worse. And I came to another shop to check the starter, I was already in other location.

The new technician showed me the scratches on the starter on my previous pictures and told me that the starter was already used before installation and it looks
like the starter was defective, XXXX, not original.

After removing the defective starter, he showed that it was painted in addition, and it didn't have the factory
sticker like original XXXX parts. 
After replacing, the new starter works perfect. 
I wasted a lot of time and money because of their bad service and parts. I have disputed that transaction and asked getting my money back. All invoices and pictures are available as a proof.

I've attached 3 invoices : - XXXX XXXX XXXX This is a disputed transaction. They didn't fix the issue and installed the broken not original XXXX starter. 
XXXX XXXX XXXX XXXX XXXX invoice. The next shop found and fixed the electrical issue, that bad starter was getting worse. 
- XXXX $ XXXX The last 3rd invoice. The starter stopped working. The next shop replaced to the Original brand new starter. See the notes in the invoice from technician.

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 2024-12-15 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: NV

Complaint narrative:
XXXX XXXX account ending in XXXX, amount of XXXX $ open XX/XX/XXXX please remove account is charged off and is in violation of 15 U.S. 
Code XXXX XXXX credit account ending in XXXX, amount of {$700.00} opened XX/XX/XXXX also in violation of XXXX XXXX. 
Code 1601 please remove asap

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 2024-12-15 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: NV

Complaint narrative:
XXXXXXXX XXXX  account ending in XXXX, amount of XXXX $ open XX/XX/XXXX please remove account is charged off and is in violation of 15 U.S.

Code 1601 XXXXXXXX XXXX  account ending in XXXX, amount of {$700.00} opened XX/XX/XXXX also in violation of 15 U.S.

Code 1601 please remove asap

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-15 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: NV

Complaint narrative:
XXXXXXXX XXXX account ending in XXXX, amount of XXXX $ open XX/XX/XXXX please remove account is charged off and is in violation of 15 U.S.

Code 1601 XXXXXXXX XXXX  account ending in XXXX, amount of {$700.00} opened XX/XX/XXXX also in violation of 15 U.S.

Code 1601 please remove asap

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 2024-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GOLDMAN SACHS BANK USA
State: NM

Complaint narrative:
Filed several disputes with XXXX credit bureau and Apple Card representatives to remove fraudulent charges on my account and have derogatory information removed from my credit report without success. I have had excellent credit my entire life until this dispute with Apple Card and their services. Mid 700 's to over 800 XXXX  scores.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO HUMAN TRAFFICKING-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XXXX XXXX OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX XXXX XXXX {$120.00} XXXX XXXX {$980.00} XXXX {$61.00}

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 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
I am writing to file a complaint against Coinbase regarding a refund issue for a transaction made with their Coinbase Card. Despite confirmation from both the merchant, XXXX, and Coinbase that the refund was processed successfully, Coinbase has failed to credit my account with the refund amount. 

Details of the Transaction : Merchant : XXXX Order Number : XXXX Date of Purchase : XX/XX/year> Refund Date : XX/XX/year> Refund Amount : {$260.00} Credit Note : XXXX Background of the Issue : On XX/XX/year>, I purchased a XXXX XXXX XXXX  for {$260.00} using my Coinbase Card. I later decided to return the item, and XXXX processed the refund on XX/XX/year>. XXXX provided me with a credit note confirming the refund, and Coinbase also acknowledged receipt of the refund. 

However, Coinbase has failed to deposit the refunded amount into my account. When I contacted Coinbase, they claimed the refund was declined due to insufficient funds. This response is entirely unacceptable, as the transaction was a refund and not a debit requiring additional funds in my account. 

I have reached out to Coinbase customer support on XXXX separate occasions via both phone and email to resolve this issue. Unfortunately, these efforts have been unsuccessful. The latest case numbers associated with my attempts are : Case # XXXX Case # XXXX Despite providing all necessary documentation, including XXXX credit note and XXXX own confirmation of the refund, Coinbase has not taken any action to credit the funds to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
Synchrony Care Credit App discloses inaccurate payment deadline information that has now resulted with me being charged late fees and reduced credit limits. I use the CareCredit app which alerts me when my payment is due and Ive always paid my payment on time according to the deadline that states on the app which is by XXXX XXXX  EST. I went to pull up my account this month as I need to take my daughter to the dentist to notice that Ive been being charged late fees and they reduced my available credit limit by almost {$400.00}! I then pulled up the statement in my App account to find out that the statement discloses that the payment must be made bXXXX XXXX XXXX EST which is contradicting based off the App. I contacted them to request a refund of late fees and to get my available credit back to me considering the App had incorrect information and that I was not aware of the XXXX XXXX EST cut off and they were unable to resolve the issue. Their only response was sorry.. well that doesnt cut it! They need to fix the misleading information they have on the App before this happens to others and they need to credit the late fees and credit limit back to me. I feel this is just their way of scamming people. This is NOT okay. I cant take my daughter to get her cracked tooth fixed now. I want this resolved!

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 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There are unauthorized accounts and inquiries on my credit report that was opened fraudulently. Please help me get this removed and fixed Unauthorized accounts XXXX XXXX XXXX XXXX {$3400.00} ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  {$19000.00} ( XXXX XXXX XXXX XXXX XXXX {$22000.00} ( XX/XX/XXXX ) DEPT OF ED {$4700.00} ( XX/XX/XXXX ) Unauthorized Inquiries XXXXXXXX XXXX  ( XX/XX/XXXXXXXX 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
Consumer complaint received 2024-12-15 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: FL

Complaint narrative:
This is a formal complaint regarding inaccurate and unlawful reporting of late payments on charged-off accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX These errors are in direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates maximum possible accuracy in consumer credit reports. 

I. INACCURATE REPORTING Late Payments on Charged-Off Accounts : It is widely established that once an account is charged off, reporting additional late payments is not permissible. Despite this, the aforementioned creditors have continued to report late payments after charging off the accounts. This practice is both inaccurate and misleading.

Violation : Under 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure the maximum possible accuracy of information included in consumer reports. 

Permissible Purpose : I do not give written consent for XXXX, Experian, or XXXX to report these accounts or my personal information further. The reporting of these accounts without my consent constitutes an additional violation of the FCRA, specifically 15 U.S.C. 1681b, which restricts the circumstances under which consumer information may be disclosed.

II. FAILURE TO RESPOND TO DISPUTES I have previously disputed these accounts, and the credit reporting agencies failed to respond within the required 30-day period as stipulated by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). This non-compliance places your agencies in direct violation of the FCRA.

XXXX XXXX XXXX XXXX., 115 F.3d 220 ( 3d Cir. 1997 ) : Credit reporting agencies are liable for failing to ensure maximum possible accuracy of consumer information. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) : Reinforces liability for inaccurate reporting under the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : Agencies must conduct a reasonable investigation upon receiving a dispute. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) : Establishes consumers right to challenge inaccuracies in credit reports. 

XXXX v. XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Agencies duty to investigate disputed items thoroughly.

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 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following accounts. Block and remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
This letter is my formal written request for you to investigate the following " Unverified '' accounts listed below : According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed below then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed. 
I demand the following accounts be verified or removed Immediately. 
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 2024-12-15 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: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following accounts. Block and remove them.

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 2024-12-15 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: PA

Complaint narrative:
XXXX, Equifax, and XXXX have disclosed my personal creditworthiness to numerous third-party inquirers without a valid credit transaction/credit offer/credit contract or my written consent . As a result, I've suffered an informational injury that has a negative impact on my credit score due to the number of inquiries. The named credit bureaus have refused to delete said inquiries from my credit report despite my request to do so. Many of the inquirers I do not know of, nor did I consent to their access to my personal creditworthiness, and absent a permissible reason to access my personal creditworthiness, the credit bureaus were unauthorized to disclose my personal creditworthiness to said third-party inquirers. Accordingly, it is requested that said inquiries be deleted from my personal creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-15 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:
XXXX, XXXX, and Experian have disclosed my personal creditworthiness to numerous third-party inquirers without a valid credit transaction/credit offer/credit contract or my written consent . As a result, I've suffered an informational injury that has a negative impact on my credit score due to the number of inquiries. The named credit bureaus have refused to delete said inquiries from my credit report despite my request to do so. Many of the inquirers I do not know of, nor did I consent to their access to my personal creditworthiness, and absent a permissible reason to access my personal creditworthiness, the credit bureaus were unauthorized to disclose my personal creditworthiness to said third-party inquirers. Accordingly, it is requested that said inquiries be deleted from my personal creditworthiness.

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 2024-12-16 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I opened a Ballard Designs store credit card offered through Comenity Bank on XX/XX/year> because they were offering " double bonus points '' during that weekend. I have been a faithful customer of Ballard Designs for over XXXX  years and never had a bad experience so I didn't hesitate to sign up because I was getting ready to make several large purchases. Unfortunately, Comenity Bank did not fulfill their promise to award the double points to me. In fact, I had to contact the XXXX store XXXX XXXX numerous times just to get the " regular points '' awarded to me. After over a year patiently working with XXXX to get the remainder of the bonus points awarded to me what I encountered at the end is silence and disregard from the Ballard Designs local team and regional leadership. My biggest regret is signing up for the Ballard Designs credit card because I was sold a bill of goods that neither Ballard Designs nor Comenity Bank could delivery on. 

I have screenshots of my text communication with XXXX at the XXXX store showing that she actually received written confirmation from Comenity Bank where they acknowledge an error was made on their end. Comenity Bank indicated in writing they were going to fix this error and give me the outstanding points to me, but that never happened. 

I have credit cards with all the major banks such as XXXXXXXX XXXX XXXX, and I have NEVER experienced such fraudulent business practice that Comenity Bank operates under. Their tactic is to delay, deny, lie and ignore customers with legitimate complaints. I hope they will be investigated because I doubt I am the only person who has been duped and signed up for a credit card offer that did not materialize.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-15 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: PA

Complaint narrative:
There are some unauthorized credit inquiries on my transunion report. Please delete these inquiries as I did not give anyone permissible purpose to run my credit. Attached is the FTC report filed in this matter. The inquires are 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
Consumer complaint received 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear XXXX, I hope this letter finds you well. I am writing regarding the above-referenced account in my credit report ( Account # : XXXX ). Please note that I am not disputing this account. However, I kindly request additional information for my records regarding this account. Specifically, I would like the following details : Date of first delinquency associated with this account. Date of the last payment made on the account. Date of charge-off for this account. I would appreciate your assistance in providing these details promptly in writing. If any additional documents or authorizations are required to process my request, please let me know at your earliest convenience Thank you for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with explanation