vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-19 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 explanation
Consumer complaint received 2024-03-19 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: NY

Complaint narrative:
I have recently discovered inaccuracies in my credit report under my name, XXXX XXXX. 
Specifically, the following information/ accounts are incorrect and need to update : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act, the following are defined as billing errors that must be corrected : -Disagreements between the purchase price and the price shown on the bill. 
-Charges for products or services not delivered according to the agreement. 
-Mathematical errors. 
- items or entries for which more information is needed. 
I request that you conduct an investigation with the creditors mentioned above. Upon confirmation of the error, I kindly ask for its updated from my credit report. Additionally, I request that this letter be permanently included in my credit record.

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 2024-03-19 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: NC

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-03-19 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: CA

Complaint narrative:
This is in response to the correspondence we received via the Consumer Financial Protection Bureau on behalf of XXXX XXXX XXXX regarding the XXXX debt that we acquired in their name, which is now associated with XXXX Reference # XXXX. In an effort to resolve this matter, we have terminated collection efforts on the debt and requested the credit bureaus delete our tradeline. Please allow sufficient time for updates to be reflected on XXXX XXXX XXXX 's credit report. Thank you for the opportunity to respond. 

I am writing to you regarding the recent admission made by XXXX XXXX XXXX XXXX ( hereinafter referred to as " XXXX XXXX '' ), a furnisher of information to your agency, regarding their wrongful actions in reporting derogatory information related to a XXXX debt associated with my name, XXXX XXXX XXXX. 

In their correspondence with the Consumer Financial Protection Bureau, XXXX XXXX confessed to violating my rights by improperly reporting and attempting to collect on this debt. As a result of their admission, they have terminated collection efforts on the debt and have requested the deletion of their tradeline associated with my name from all major credit bureaus, including yours. 

The actions of XXXX XXXX have not only caused me undue stress and inconvenience but have also severely impacted my financial well-being. The derogatory information reported by XXXX XXXX has adversely affected my credit standing, resulting in denied credit applications, higher interest rates, and other financial hardships. 

As a consumer reporting agency, you have a legal obligation under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and fairness of the information you report. By failing to properly vet and verify the information provided by XXXX XXXX, you have contributed to the harm inflicted upon me. 

Therefore, I demand the following remedies from your agency : Immediate and permanent deletion of any derogatory information related to the XXXX debt and XXXX XXXX 's collection efforts from my credit report. 
A written confirmation, within 14 days of receipt of this letter, that the requested deletions have been made. 
Compensation in the amount of {$1000.00} for each violation of my rights under the FCRA, totaling [ 5 ] violations. 
An apology letter acknowledging the harm caused by your agency 's failure to ensure the accuracy and fairness of the information reported. 
Failure to comply with these demands within the stipulated timeframe will leave me no choice but to pursue further legal action against your agency for the damages incurred. This may include filing complaints with regulatory authorities and pursuing civil litigation to seek appropriate remedies and compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: AZ

Complaint narrative:
I am writing to express my frustration and disappointment with the repeated failures to correct the late opening of my account. Despite multiple attempts to rectify this issue, it remains unresolved, causing significant inconvenience and frustration. 

After completing all necessary documentation and fulfilling all requirements as instructed by your team, I expected my account to be opened within a reasonable timeframe. 

However, despite assurances from your representatives, my account was not opened within the agreed-upon timeframe. This delay caused me considerable inconvenience and disruption to my financial affairs. 

Despite my initial complaint, I received no satisfactory resolution. Subsequent attempts to correct the issue were met with further delays and excuses. 

I made several follow-up inquiries to your customer service department, seeking information about the status of my account opening. Unfortunately, these inquiries yielded no concrete results. 

In light of the lack of progress, I filed a second complaint on [ Second Complaint Date ], reiterating the urgency of the matter and the need for immediate action. 

Despite my repeated attempts to resolve the issue, my account remains unopened, and I have not received any updates or communication regarding the status of my application. 

I urge you to take immediate and decisive action to rectify this situation. I expect a swift resolution, including the immediate opening of my account and access to all associated services within [ Revised Timeframe ]. Additionally, I request regular updates on the progress of this matter to ensure transparency and accountability. 

Failure to address this issue promptly and satisfactorily will leave me with no choice but to escalate this matter further, including seeking legal remedies to protect my rights as a customer. I trust that such actions can be avoided, and I hope for a prompt and amicable resolution. With this, I am asking for your assistance to correct these accounts in my credit file : XXXXXXXX XXXX XXXX Balance Owed : {$490.00}.

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 2024-03-19 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: NC

Complaint narrative:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
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 2024-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I hold an American Express Corporate card, which advertises a benefit of a {$100.00} credit on an American Express Gold card. According to the terms stated on the application link, this credit should be received upon opening the account and annually upon renewal while maintaining the same Corporate Card account. 
However, when I contacted customer service to claim this credit, I was informed that it would only be applied after the first year. This directly contradicts the information provided on the application link, which clearly states the credit should be received immediately upon opening the account and annually thereafter. 
Despite requesting clarification and policy documentation, the representative provided a link that reiterated the same message, reinforcing my initial understanding of the benefit structure. The links says " Receive a {$100.00} Personal Card Annual Credit on your Gold Card account, upon opening an account, and every year after renewal when you maintain the same Corporate Card account. '' This discrepancy has led to frustration and a feeling of being misled. I expect financial institutions to honor the terms and benefits they advertise to their customers accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: AZ

Complaint narrative:
I am writing to express my deep frustration and disappointment with the repeated failures to remove fraudulent items from my account. Despite numerous attempts and assurances from your team, these fraudulent items persist, causing significant distress and financial harm. 

I provided detailed information and documentation to support my claim, including evidence of the fraudulent nature of these items. Despite my efforts, the fraudulent items were not removed from my account. 

Subsequently, I made several additional attempts to have these fraudulent items removed from my account, filing subsequent complaints and providing additional evidence to support my case. However, each attempt has been met with delays and unsuccessful outcomes. 

The continued presence of these fraudulent items on my account is not only damaging to my financial reputation but also causing me significant distress and hardship. I have made every effort to cooperate with your team and provide the necessary information to rectify this issue, yet it persists. 

I urgently request that you take immediate and decisive action to investigate and remove these fraudulent items from my account. I expect a swift resolution to this matter, including the complete removal of all unauthorized charges within [ Revised Timeframe ]. Furthermore, I insist on receiving regular updates on the progress of this matter to ensure transparency and accountability. 

Failure to address this issue promptly and satisfactorily will leave me with no choice but to explore further avenues of resolution, including reporting this matter to relevant regulatory authorities and seeking legal remedies to protect my rights as a consumer. With this, I am asking for your assistance to remove these fraud items in my credit file 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 explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX XXXX. Sold my information to a 3rd party Debt collection agency without my knowledge. 2. The debt that is said owed is incorrect. 3 The account has been charged off since XX/XX/year> so the information is incorrect. 

By Law and under the Fair debt collections practices, Citi Bank N.A has violated all practices involving collecting a debt. By sharing my information with debt buyers. 

Citi bank N.A. has also violated Taxation evasion. By Law if this account was charged of whether bad debt or discharged it should have been reported to the IRS in XXXX of XXXX. 

As a consumer and tax payer i am obligated to report all charge off or discharged debt as income to the IRS. As I did. 

Citi bank has violated this consumer by breaking the laws of FCRA, Bills of exchange, Tax laws of the US.

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 2024-03-19 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: AZ

Complaint narrative:
I am writing to express my deep frustration and disappointment with the repeated failures to remove fraudulent items from my account. Despite numerous attempts and assurances from your team, these fraudulent items persist, causing significant distress and financial harm. 

I provided detailed information and documentation to support my claim, including evidence of the fraudulent nature of these items. Despite my efforts, the fraudulent items were not removed from my account. 

Subsequently, I made several additional attempts to have these fraudulent items removed from my account, filing subsequent complaints and providing additional evidence to support my case. However, each attempt has been met with delays and unsuccessful outcomes. 

The continued presence of these fraudulent items on my account is not only damaging to my financial reputation but also causing me significant distress and hardship. I have made every effort to cooperate with your team and provide the necessary information to rectify this issue, yet it persists. 

I urgently request that you take immediate and decisive action to investigate and remove these fraudulent items from my account. I expect a swift resolution to this matter, including the complete removal of all unauthorized charges within [ Revised Timeframe ]. Furthermore, I insist on receiving regular updates on the progress of this matter to ensure transparency and accountability. 

Failure to address this issue promptly and satisfactorily will leave me with no choice but to explore further avenues of resolution, including reporting this matter to relevant regulatory authorities and seeking legal remedies to protect my rights as a consumer. With this, I am asking for your assistance to remove these fraud items in my credit file : 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
Consumer complaint received 2024-03-19 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: AZ

Complaint narrative:
I am writing to express my deep frustration and disappointment with the repeated failures to remove fraudulent items from my account. Despite numerous attempts and assurances from your team, these fraudulent items persist, causing significant distress and financial harm. 

I provided detailed information and documentation to support my claim, including evidence of the fraudulent nature of these items. Despite my efforts, the fraudulent items were not removed from my account. 

Subsequently, I made several additional attempts to have these fraudulent items removed from my account, filing subsequent complaints and providing additional evidence to support my case. However, each attempt has been met with delays and unsuccessful outcomes. 

The continued presence of these fraudulent items on my account is not only damaging to my financial reputation but also causing me significant distress and hardship. I have made every effort to cooperate with your team and provide the necessary information to rectify this issue, yet it persists. 

I urgently request that you take immediate and decisive action to investigate and remove these fraudulent items from my account. I expect a swift resolution to this matter, including the complete removal of all unauthorized charges within [ Revised Timeframe ]. Furthermore, I insist on receiving regular updates on the progress of this matter to ensure transparency and accountability. 

Failure to address this issue promptly and satisfactorily will leave me with no choice but to explore further avenues of resolution, including reporting this matter to relevant regulatory authorities and seeking legal remedies to protect my rights as a consumer. With this, I am asking for your assistance to remove these fraud items in my credit file : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Complaint Against Apple Card - GS Bank for Violation of Consumer Credit Laws To Whom It May Concern, I am writing to file a formal complaint against Apple Card, issued by Goldman Sachs Bank ( GS Bank ), for violations of several consumer credit protection laws, specifically regulations under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). My complaint pertains to the following provisions : 1. 12 CFR 1006.34 ( b ) ( 5 ) - Concerning the requirement to cease communication under certain conditions.

2. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) - Regarding the prohibition of deceptive or misleading representation in connection with debt collection.

3. 12 CFR 1006.34 ( d ) - Pertaining to the use of unfair or unconscionable means to collect or attempt to collect any debt.

4. 15 USC 1681s-2 ( a ) ( 7 ) ( A ) - Relating to the direct dispute of inaccuracies with furnishers of information to consumer reporting agencies.

I believe that the conduct of Apple Card - GS Bank has violated my rights as a consumer in the following ways : [ Describe the specific nature of your complaint here. Include dates, details of any communication with the bank, how you believe they violated the laws above, and any consequences you have faced as a result of these actions. ] Despite my efforts to [ resolve the issue directly with Apple Card - GS Bank/ dispute inaccuracies / request cessation of communication ], the bank has [ failed to comply with my requests/ continued to engage in practices that I believe are in violation of the above regulations ]. This has resulted in [ describe any damages, such as harm to your credit score, undue stress, financial loss, etc. ].

I have attached supporting documents which include [ any correspondence with the bank, records of communication, credit reports, etc. ] that substantiate my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: MA

Complaint narrative:
I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INNACURATE ACCOUNT 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 2024-03-19 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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