vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-30 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 as a victim of identity theft and a data breach that has resulted in unauthorized accounts and inquiries appearing on my credit report. I request that you block and permanently delete the fraudulent accounts and inquiries listed below from my credit file as permitted under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts 1. DPEDXXXX - 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 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 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 XXXXXXXX - XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I'm writing to complain about Synchrony Banks ' 15 day hold on balance payments. 

On XX/XX/year> my balance on the Synchrony PayPal Cashback World Mastercard was paid in full via Automatic payment from my credit union account. On XX/XX/year>, Synchrony emailed me saying, " Your payment for your PayPal Cashback World Mastercard has been applied to your balance. '' On XX/XX/year>, a payment to a vendor was declined because " the available amount ' on account was only {$310.00}, despite having made a {$9600.00} payment that they had " applied to '' my balance 12 days earlier. 

I then called on XX/XX/year>, Synchrony at XXXX, spoke to a representative named XXXX XXXX on a recorded line ), who informed me that there was a " 15 day hold on payments made on your account balance '' and that my balance actually wouldn't be credited with my payment until XX/XX/year>. 

My complaint is that in this day & age, a 15 day hold period on funds that have been withdrawn from my financial institution, and that I've been told were " applied to your balance, '' is an unreasonable amount of time that, in turn, limits the amount of my credit line that is allegedly available to me to make purchases. 

There shouldn't be more than a 2-3 day hold when payments are made to Synchrony directly from financial institutions via Electronic Funds Transfers .

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 2024-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UPGRADE, INC.
State: OH

Complaint narrative:
Upgrade credit card, a card I have never used, randomly charged me {$0.00} by email which went to my " promotions '' folder and I didn't see it. Then they reported me as delinquent to the credit reporting agencies. 

I called them and told them I'd never used this card, I will never use this card, close this account. They said they couldn't close the account because I owed them XXXX CENTS!! So, I paid them {$2.00} just in case they took longer than XXXX billing cycle to close the account. 

Now, every XXXX months they report me to the agencies, I scream at them, they delete the credit report, since repeat. 

Please, please, someone help me get away from UpGrade inc credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Open XXXX XXXX XXXX XXXX  ( open date XX/XX/XXXX ) action is they put it to collection I couldnt pay it because I wasnt working at the time and struggling with my personal bills home and my kids, XXXX  XXXX XXXX  ( open date XX/XX/XXXX ) I paid it off with the collection agency but its still on my XXXX  XXXX XXXX XXXX! This account isnt mines its for my mother so I dont knowing its on my account and I try dispute it and it never worked! 



XXXX XXXX XXXX amount is {$740.00} open XX/XX/XXXX account in collection I cant and couldnt pay it off because I was in stress and struggling in covid and I asked to pay half and they didnt take it I think this is a insurance company XXXX XXXX LVNV FUNDING LLC amount is {$890.00} open XX/XX/XXXX in collection now try worked out with them but they refuse to help me when I wasnt working LVNV FUNDING LLC amount is {$970.00} open XX/XX/XXXX in collection now try worked out with them but they refuse to help me when I wasnt working

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: PA

Complaint narrative:
I am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. 
I REQUEST THAT YOU PROVIDE TO ME VERIFICATION OF THE ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. 
Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, TRANSUNION, AND XXXX. 
I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. Below is the inaccurate information on my report. PLEASE REMOVE THEM IMMEDIATELY.

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 2024-11-30 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: PA

Complaint narrative:
I am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g.

I REQUEST THAT YOU PROVIDE TO ME VERIFICATION OF THE ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. 
Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND EQUIFAX. 
I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. Below is the inaccurate information on my report. PLEASE REMOVE THEM IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: TX

Complaint narrative:
I am writing to notify you that I have been a victim of a data breach resulting in identity theft. Unauthorized accounts and inquiries have been fraudulently associated with my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and permanently deleted from my credit file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: TX

Complaint narrative:
I am writing to notify you that I have been a victim of a data breach resulting in identity theft. Unauthorized accounts and inquiries have been fraudulently associated with my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and permanently deleted from my credit file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I received my consumer reports and noticed that I had one late payments on an account that I was never late for consumer reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account Wells Fargo Card SER ( XXXX ) .To verify this, I took the initiative by going into a branch to verify these inaccuracy and was informed that the card nor accounts could not be verified. Please investigate and provide proof with statements showing these payments were late. If proof can not be provided I demand these payments be updated to on time as they should be, as I was never late. Thanks! Update the account to paid on time and never late

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 2024-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: ME

Complaint narrative:
The Apple Card, aka Goldman Sachs, repeatedly claims that I have insufficient funds in my bank account to make automatic payments in XXXX and XX/XX/year>, of {$760.00} and XXXX, respectively. I do not, nor did I ever, have insufficient funds. My own banking institution, XXXX XXXX XXXX XXXX has verified that I had sufficient funds and that Goldman Sachs never attempted to pull the funds for the credit card payments. 

A detailed record of the problem, including phone and email communication with Apple, Goldman Sachs and XXXX XXXX XXXX XXXX is attached along with other supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was frustrated with a dispute related to a car repair where Citi sided with XXXX XXXX XXXX, while XXXX XXXX ruled in my favor. I had split the {$2300.00} payment. The mechanic addressed the leak but failed to fully reassemble everything properly. 

I requested that my Citi account be closed. Later, I called back to reopen it and was initially told I would need to reapply. When I called again, I was informed they could submit a request to reopen the account. 

On XX/XX/year>, I called and was told my request had been denied, and I would receive a letter with the details. I asked to speak with the appropriate department and was given the number XXXX, which turned out to be a XXXX offer line. I called back and requested to speak with a supervisor but was told there were none available. I also requested U.S.-based support, as past requests had been mishandled due to language barriers, but instead, I was repeatedly transferred to an IVR system XXXX 

This scenario repeated when I asked to speak to the complaint department. Finally, on my third or fourth attempt, I was connected to a supervisor who read the letter to me. The letter stated that my account could not be reopened due to a late payment listed on my credit report. I explained that those reports were erroneous. XXXX has since corrected the late mentions, and the XXXX XXXX car loan was fully paid off with the late payments removed. 

I simply requested that my Citi AAdvantage card account be reopened the same daya process I know is possible, as Ive had accounts reopened in the past. This situation felt mismanaged. Additionally, I found it frustrating to have to make multiple calls just to speak with someone in authority who could properly handle my complaint and escalate it to the correct team.

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 2024-11-30 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: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
XX/XX/year> Unauthorized use of my nonpublic consumer information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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:
Date : [ XX/XX/XXXX ] Experian Dispute Department po box XXXX XXXX, TX XXXX Subject : Intent to Sue for Violation of the Fair Credit Reporting Act ( FCRA ) Unauthorized Reinsertion of Removed Account Dear Experian, I am writing to formally notify you of my intent to take legal action against Experian for the unlawful reinsertion of an account that was previously removed from my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 
In [ XX/XX/XXXX ], I successfully disputed [ XXXX XXXX  Account # XXXX ] with your company, and it was removed from my credit report as a result of that dispute. However, despite this, the account was reinserted into my credit report on or around [ XX/XX/XXXX ], without following the mandatory procedures set forth in the FCRA. 
Pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), when an account is reinserted after removal, Experian is required to : Notify me in writing within XXXX business days of the reinsertion, including the name of the furnisher of information and any relevant contact details. 
Certify that the furnisher of information verified the account 's accuracy before reinserting it. 
As of todays date, I have not received any notification or written certification from Experian regarding the reinsertion of this account. This lack of communication constitutes a serious violation of the FCRA. 
Given these violations, I am entitled to seek the following remedies under 15 U.S.C. 1681n and 1681o : Actual damages, including any harm caused to my credit rating, the emotional distress of dealing with this error, and any financial losses. 
Statutory damages of up to {$1000.00} per violation. 
Punitive damages as determined by the court. 
Attorneys fees and costs incurred in the enforcement of my rights. 
I demand that Experian immediately : Remove the reinserted account from my credit report. 
Provide a full explanation and verification of the account 's reappearance. 
Confirm in writing within XXXX  days that this account has been permanently deleted from my report. 
If Experian fails to take the above corrective actions and provide the necessary information within 10 days from the receipt of this letter, I will have no alternative but to file a lawsuit against Experian in federal court to enforce my rights under the FCRA. 
Please consider this letter as my formal warning and a pre-litigation opportunity to resolve this matter. I am prepared to pursue all legal remedies available to me under the FCRA if this issue is not promptly corrected.

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 2024-11-30 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXXGoldman Sachs Dispute Refusal : XXXX placed an order for a closet through a website called XXXX using my Apple Card, and I received a confirmation email on XX/XX/year>. Months later, they sent me a large box containing a pile of wood with no assembly manual. After reviewing the contents, I believed I had received the wrong order, so I reached out to XXXX. What followed was a months-long back-and-forth via email. Eventually, I realized I had been scammed. A quick online search revealed numerous reports confirming that XXXX was a scam, with a clear pattern : they send incorrect products and refuse to issue refunds. ( For clarification, check website : XXXX XXXX XXXX XXXXXXXX account : XXXX XXXX, or reviews from XXXX, XXXX, XXXX  or communities such as XXXX ) I have documented evidence of every communication with XXXX, including receipts, the violated contract, testimonials from other victims, and screenshots of websites detailing the scam. Following XXXX 's Purchase Protection policy, I contacted Apple Card Support and submitted all relevant evidence. Despite this, after months of waiting, I was notified that my dispute was rejected. 

Undeterred, I reached out to Apple Card Support again, providing additional evidence in the hopes of clarifying the situation. Unfortunately, the dispute was rejected again, with no explanation. Recently, I discovered that there are ongoing lawsuits against XXXX and Goldman Sachs for mishandling similar disputes, which leads me to believe that the rejection had little to do with the evidence I submitted and more to do with flaws in the dispute resolution process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I asked for XXXX XXXX XXXX to provide the original contact with my signature. Company failed to provide the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: NY

Complaint narrative:
I am writing to dispute specific unauthorized credit inquiries made on the SPECIFIC dates shown. I did not authorize these inquiries, and under federal law, repeated access to my credit report without my explicit permission is prohibited, regardless of whether I currently hold, or have held, an account with this company. 
List of Companies and Unauthorized Inquiries dates which are not mine and must be removed : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to Section 604 of the Fair Credit Reporting Act ( 15 U.S. Code 1681b ), creditors may only access a consumers credit report with a permissible purpose, which requires explicit consent. Additionally, Section 615 ( f ) mandates that all reporting be accurate and consent-based, reinforcing the need for explicit authorization before any inquiry is made. 
Please have the companies send verification and all the documentation they claim to have received from me and the Verification steps the conducted to confirm it was me and had EXPLICIT authorization they received from me Once fraudulent information has been removed, please send me a copy the corrections/ of my corrected credit report. 
ALL of these a absolutely in accurate and im very concerned about XXXX be it a mortgage company and I have NEVER applied for a mortgage in my life. ALL these must be removed. 

ALSO : I was informed that my file did not include an FTC report. However, according to proper procedure, fraudulent credit reporting issues are handled through the Consumer Financial Protection Bureau ( CFPB ), not the FTC. 
ReportFraud.ftc.gov website directs consumers to file reports via the CFPB through the FTC Fraud Report system. Therefore, my disputes include reports made through the CFPB, and I have attached the necessary documentation to support my claim. 

I urge Equifax to update your internal policies to align with changes adopted by the major credit bureaus. This ensures your representatives, who are supposed to assist customers, are properly informed and do not provide inaccurate or misleading guidance. Miscommunication such as this only adds to the frustration caused by incorrect credit reporting and may result in legitimate disputes being improperly handled. 
See the supporting information Attached.

Company response to consumer: Closed with explanation