vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: NV

Complaint narrative:
Several letters were received on XX/XX/XXXX from Marcus by Goldman Sachs informing me that " following an internal review, we have closed the above-referenced account ''. No more information was provided about how or when I would receive my funds ( or why the account was closed ). After phoning them I was informed a cheque would be sent. I didnt receive it by XX/XX/XXXX so phoned back. They informed me it can take up to 45 business days to send a cheque ( this is completely unacceptable ). In addition they have no tracking information to show that the cheque was sent. Based on their actions so far, I strongly believe that Goldman Sachs do not intend to return my funds. My goal is to get my balance back from my account and fair compensation for the financial hardship experienced while my funds were withheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a Victim of Identity Theft and on XX/XX/XXXX, I became aware of multiple accounts opened in my name without my knowledge and/or authorization, after multiple disputes with the Consumer Agencies, on XXXX, XXXX, I went to file an Identity Theft Police Report and after several disputes, I was able to remove most of them, unfortunately, Experian still remains the following account XXXXXX/XX/XXXX XXXX on my Consumer Report and this is a formal notification that Experian is in violation of multiple provisions under the FCRA, including but not limited to : *Failure to Correct or Delete Inaccurate, Incomplete, or Unverifiable Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ) *Permissible Purpose ( 15 USC 1681b ( 2 ) ) *Block of Information Resulting from Identity Theft ( 15 USC 1681c-2 ) *Civil Liability for Willful Noncompliance ( 15 USC 1681n ) *Failure to Maintain Reasonable Procedures to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) *Failure to Conduct a Reasonable Reinvestigation ( 15 U.S.C. 1681i ( a ) ) *Civil Liability for Negligent Noncompliance ( 15 USC 1681o ) If you do not initiate an investigation regarding my dispute AND DELETE this information within 4 business days of receipt of this notice per 15 USC 1681c-2, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Each violation of the FCRA allows damages of {$1000.00} should this matter be up in court. 

I have experienced significant emotional distress due to this matter, and it has severely impacted my mental well-being. Therefore, I feel compelled to escalate this issue and request a fair and equitable resolution.

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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.

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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Can you provide me process of verification on the 2 late payment for XXXX XXXX  I disputed which means I wouldve been late XXXX & XXXX. The late payment is in relation to a computer error on XXXX  end also I spoke with XXXX  they agreed to update it and never did so I called back and asked them to listen to the conversation they told me they no longer have access to the conversation. How was this verified? Please update asap!! I also attached the two payments showing theres no late fee so how could it be a late payments. I want this late payment removed off my credit report because its violating my consumer rights and also inaccurate.

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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Comenity - Sephora Visa credit card ending XXXX paid by paper check to po box address listed on statement. Check processed by company weeks after being mailed and subsequently received {$30.00} late fee and {$2.00} interest charge.

Comenity agreed to waive interest and refund {$15.00} from late fee but refused to credit the remaining {$15.00}, even after I explained that I paid by paper check and sent check ahead of due date. 

Request is for waiver of entire {$30.00} late fee and {$2.00} interest charged. 

Request to close this account as the processing of payment caused me to incur fee that Bank will not refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
If there are any inaccuracies or incomplete information regarding my accounts, judgments, liens, balances, payment history, late payments, account history, or any other details in my credit report, I request that you promptly correct or remove those items from my credit file in accordance with 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 explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report as they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
XX/XX/XXXX a man by the name XXXX XXXX came to my home stating he was a XXXX XXXX XXXX  ( impersonating a government official ) and he had an order to seize my property for a telecommunication debt for a 3rd party collection Midland funding for {$1000.00} I was not home at the time but spoke with XXXX XXXX through my video camera which i told XXXX to remove himself and the other men from my property. When I returned home XXXX XXXX and the other men had stolen my vehicle XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX left several forged altered documents in my door with his signature and his cellphone number which i called. XXXX XXXX answered he told me had i been a little nicer it wouldnt cost me as much ( XXXX XXXX XXXX ) .. i asked him where is my vehicle and he gave me a number to call and told me it would cost me {$2100.00} plus {$50.00} per day if I didnt pick up my car ( extortion ) I then called the number and the man name XXXX the tow guy answered the phone and told me to pay cash to recover my vehicle plus {$50.00} per day its not recovered ( extortion ) XXXX referred XXXX XXXX XXXX XXXX the sheriff He said the sheriff takes his money then pay him.. ( conspiracy ) XXXX XXXX XXXX i went to the XXXX XXXX Sheriffs office to report XXXX XXXX XXXX report XXXX XXXX only to find XXXX XXXX XXXX XXXX is not a XXXX XXXX Sheriff ( XXXX  XXXX government official ) I then went to XXXX district court to validate the documents that XXXX XXXX left in my XXXX and the court could not validate the documents ( XXXX district court could not certify that these were true court documents ) ( falsified court documents ) I spoke with a clerk at XXXX district court that stated that these documents had been distroyed. This alleged collection had ( expired ) it was over XXXX XXXX XXXX XXXX XXXX ( debt was written off ) XX/XX/XXXX i went to an unmarked building to retrieve my vehicle in XXXX east side where i was extorted to pay {$1800.00} of my SSD ( exempt fund ) to retrieve my vehicle. On XX/XX/XXXX I contacted the attorney general which informed me that XXXX XXXX is employed by XXXX XXXX XXXX XXXX XXXX in XXXX Mi and he or that company is NOT authorized to seize vehicles.. ( willfully derelict of duty )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
XX/XX/XXXX XXXX contacted the company concerning the bi-monthly payment plan that have set up for my mortgage. Ive had the loan since XX/XX/XXXX and each partial payment that I make mid month for approximately {$740.00} is held and not applied to the balance of the mortgage until the beginning of the month. The main benefit of having bimonthly payments should be to reduce the principal faster. The company Mr. Cooper said this is how the payment plan is set up and give me a direct answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: MA

Complaint narrative:
XX/XX/year> XXXX of {$30.00} & {$5.00} as well as first notification of any amount due for a " My Payday '' loan. Prior to this date there was no notification of any amount due, or any amount to collect. When calling on same day was transferred multiple times, multiple agents unsure of what fee is for. When on the phone I got 1 email stating amount due, but not why it was due. There have been many transfers going in and out of my account through out the 2 years I have had the account and many in the past 3 months. Not a single transfer was subject to any fees or due deductions. I find it suspicious that multiple transfers were assessed that equaled the exact amount of money I had transferred into the account, as well as, that I had not received any notification of any amounts due prior to this day/ phone call and the email I did get was unprompted. I had asked to speak to a manager multiple times and the agents refused. I believe who heartedly that this is scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Account numberXXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX Company it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant to 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) OPT-OUT ( 1 ) IN GENERAL financial institutions may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am hereby requesting all the above disclosures required by the Federal.

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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent disputes to TransUnion, XXXX, and XXXX regarding inaccurate information on my credit report. Despite providing detailed accounts and citing violations under FCRA sections 623 ( a ) ( b ) and 605 ( c ), where the company failed to mark disputed accounts and incorrectly reported last activity dates, none of the credit bureaus have responded within the 30-day period mandated by law. Attached are copies of all correspondence sent. This failure to validate the collection account also violates FDCPA section 809 ( b ) as per FTC guidelines.

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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent disputes to XXXX, XXXX, and Experian regarding inaccurate information on my credit report. Despite providing detailed accounts and citing violations under FCRA sections 623 ( a ) ( b ) and 605 ( c ), where the company failed to mark disputed accounts and incorrectly reported last activity dates, none of the credit bureaus have responded within the 30-day period mandated by law. Attached are copies of all correspondence sent. This failure to validate the collection account also violates FDCPA section 809 ( b ) as per FTC guidelines.

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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I have been reviewing my credit report and I have seen this account present which I am not aware of - I sent over validation to the company to clarify this debt and I still have not heard from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.

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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to bring to your attention several inaccuracies in my personal information listed in your records. These errors pertain to my name, addresses, phone numbers, and employment history. 

I request that you review and correct your records with the accurate information. Accurate personal information is crucial to avoid further miscommunication and potential issues. 

Thank you for your prompt attention to this matter. I look forward to your confirmation once the corrections have been made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: CA

Complaint narrative:
This complaint is not sent in error. My credit report has some false and not 100 % accurate Information. This inaccurate information is causing undue stress and is affecting me negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo has provided remediation funds for all persons having a Wells Fargo bank account or mortgage account and refuse to give me information regarding my deceased mom 's account which is now solely in my name. 
On XXXX, phone consult with XXXX XXXX. I followed up with a request to submit all documents regarding property that Wells Fargo had a deed of trust on. 
On XXXX, I submitted all documents and requested a call back regarding this mattter, however, they failed to respond. 
XXXXfollowed up with an email and no response XXXX up with an email and no response

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 2024-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief