vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
My account with Apple Card was closed unexpectedly on XX/XX/24. I contact Apple Card Support on several times that same day to inquire why my account was closed. No reason was ever given, to this day. I was told to refer back to my card user agreement, however no reason was ever given. 


Prior to my account being closed, I was disputing some charges with a merchant, XXXX. I made some transactions and the quality was subpar and they weren't willing to help, so I then reached out to Apple Card Support. They were helpful with getting the disputes filed. But when investigating the claim they were denying the claim for reasons outside of the scope of what I was alleging the issues were. Apple Card Support was always accommodating when I followed up and re-opened the dispute. I explained to them each time that I was disputing the charges because the merchant said that they would reimburse me for the purchase and never did. The quality of the items in which I purchased was subpar and not what we agreed upon. I relayed this info to Apple Card Support and sent them correspondence, pictures, screenshots, messages, and even repair quotes .... All this was done and when I submitted the dispute on XX/XX/XXXX, my account was closed shortly thereafter. I can only draw the conclusion that they did not want to protect me as the consumer in this transaction. Apple Card Support consumer protection is blatantly absent and they hide behind nice customer service while exposing consumers and then closing their accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau Consumer Response Division 1700 G Street NW Washington XXXX DC XXXX Dear Sir/Madam, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding actions taken by XXXX XXXX XXXX/ TEMPOE LLC, concerning an alleged debt they claim I owe. Despite my repeated requests, XXXX XXXX XXXX/ TEMPOE LLC has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Additionally, they have placed this debt on my consumer report without affording me the opportunity to dispute the account, a violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 

Furthermore, I believe that XXXX XXXX XXXX/ TEMPOE LLC is violating my consumer rights by engaging in false, misleading, and deceptive practices. Their failure to provide validation information, coupled with their placement of the debt on my consumer report without due process, constitutes a clear violation of consumer protection laws.

According to 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ), collection agencies are required to provide all necessary disclosures and adhere to strict guidelines when reporting information to consumer reporting agencies. XXXX XXXX XXXX XXXX TEMPOE LLC has failed to meet these requirements, thereby further infringing upon my rights as a consumer. 

I request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action to ensure that XXXX XXXX XXXX/ TEMPOE LLC complies with federal consumer protection laws. Additionally, I urge the CFPB to hold XXXX XXXX XXXX/ TEMPOE LLC accountable for their actions and take necessary steps to rectify any harm caused to me as a result of their non-compliance. 

Additionally, I am formally revoking any consent for you to communicate with me via email, text messages, or phone calls regarding this matter. Please refrain from contacting me through any of these means. Any future communication should be conducted via postal mail only. 

Furthermore, I request that you provide the following information : XXXX. Validation of the debt, including details of the original creditor, the amount owed, and a breakdown of any fees or interest charges. 
XXXX. A copy of the purchase agreement between your agency and the original creditor, establishing your right to collect on this alleged debt. 
XXXX. Proof of your agencys licensing and bonding, demonstrating your authority to collect debts in my jurisdiction. 


Enclosed with this letter are copies of relevant correspondence and documentation supporting my claims. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this dispute. 


Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have, for some time, been trying to solve aa major problem with the agencies and the corporations and debt collectors whom they have allowed to put phony, unreasoned, baseless, items on my credit report unpermitted. I am now taking the necessary legal action under the FDCOA and FCRA against the agencies so that these ill-found items can be corrected and removed from my report.

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 2024-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Cordoba Legal Group, PLLC.
State: LA

Complaint narrative:
Canceled service on the XXXX. Conformation email was sent to me on the XXXX of XXXX. Was told XXXX business days for my refund. Time came and passed. Called and was told to give ot another XXXX hours. Time came and passed. Called and requested a supervisor and was told I would get a call. 3 days later I call again. Was told XXXX hours. Again time came and went. Called again was told a supervisor would call me in an hour. I called back XXXX hours later and was told to look for the refund to be in my account by this Friday. I am not confident this will occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CashRepublic Holdings, Inc.
State: TX

Complaint narrative:
I disputed this item With XXXX XXXX Because its over 7 years old in XXXX the results were for it to be deleted from my credit report buts still there and its XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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:
Please Re investigate the inaccurate information being furnished on my consumer report.

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 2024-02-14 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: NY

Complaint narrative:
I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 
I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. 

Listed below are the Personal Information that are being challenged Incorrect Also Known As : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX Incorrect DOB : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX Collection {$5100.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX Collection {$140.00} XXXX XXXX XXXX Charge-off {$170.00} XXXX XXXX Charge-off {$960.00} XXXX XXXX Charge-off {$820.00} XXXX XXXX XXXX XXXX Charge-off {$310.00} Listed below are the Inquiries that are being challenged 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 2024-02-14 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: Atlanticus Services Corporation
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. According to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts are : XXXX XXXX XXXX XXXX XXXX Account Number # XXXX, XXXX XXXX & Account number # xxxx XXXX. There are several complaints on these accounts and it needs to be addressed are not complete and accurate. XXXX more thing according to 15 USC 1681s-2, A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 2024-02-15 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: CA

Complaint narrative:
I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. According to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. There are several complaints on these accounts and it needs to be addressed are not complete and accurate. One more thing according to 15 USC 1681s-2, A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 explanation
Consumer complaint received 2024-02-14 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: CA

Complaint narrative:
My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. 

Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: LA

Complaint narrative:
I opened an account with Truist Bank in XX/XX/XXXX. I tried to cash my payroll check, which came from my place of employment in XX/XX/XXXX. I had to wait for the check to clear which was fine. Then after the check cleared I was told that the check set off some type of fraudulent activity and the funds can not be released. I have tried to show them proof of who I was by traveling 6 hours to the nearest branch and nothing. They told me to contact my jobs HR Department to see about getting the check recalled, which the check is in the amount {$1400.00}. My HR department contacted the issuer of the check, XXXX XXXX XXXX, and was told since the check is cashed and the funds were released they can not recall the check. My HR personnel even tried speaking to someone from Truist but nothing or no one answered or seems to assist. In XXXX of XXXX, I was told to get a letter from my HR showing that the check in fact came from my job but I would have to go or contact a local branch, which is over 4 hours away, for the bank personnel to email to the claims department BECAUSE the claims department do not have an email that customer can send documentation to. Currently, my account has been closed by Truist and my money of {$1400.00} is just sitting in a closed account and NO ONE cant seem to tell me when, how, or if Im going to get my money back. I really need some assistance! All I did was cashed my paycheck into my account and here I am 3 months later still can not access my funds.

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 2024-02-14 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Credit card company provided my personal information to a non affiliate company without my consent. In violation of 15 usc 6802 and also under consumer act of 1974

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 2024-02-14 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 is not an error. I am sending my formal notice that this information is a result of identity theft. All this information has been reported to the FTC and is currently under investigation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2024-02-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CCF Intermediate Holdings LLC
State: KY

Complaint narrative:
I went to Check Smart on XX/XX/2024 and took out a {$400.00} cash payday loan. Checksmart is saying they gave me a {$500.00} loan. That is not true, this company is stealing from folks who are already struggling financially. They have sent me to collections because I refuse to pay them back {$590.00} as if I took out a {$500.00} payday loan. I took out {$400.00} so I Should only be paying them back {$470.00}. I called them to report this fraudulent activity and I was supposed to have gotten a call back from someone at Check Smarts corporate office no never called me back as promised. I received a letter in the mail today for collections. I am very upset about this I am already struggling and I don't need anything else added to my credit. I am happy to pay back {$470.00} I am not paying any more than I am supposed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK
State: FL

Complaint narrative:
I am writing to formally dispute and request the removal of a collections account from my credit report, citing multiple violations of consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and regulations outlined in 12 CFR 106.34 and 15 USC 1681-s. 

The collections account in question, associated with DISCOVER BANK, has been reported without proper validation information, contravening 12 CFR 106.34 ( b ) ( 5 ). Despite the absence of adequate validation information, this collection has been adversely affecting my consumer report. 

Furthermore, I have not been afforded the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This denial of the dispute process is a clear violation of my rights under consumer protection laws. 

The collection agency, DISCOVER BANK, has engaged in practices that violate my consumer rights, including the use of false, misleading, and deceptive means. Such practices are not only unethical but also in direct contravention of the FCRA. 

Moreover, DISCOVER BANK has failed to provide any and all required disclosures before furnishing the account to consumer reporting agencies, as per 12 CFR 106.34 ( d ) and 15 USD 1681-s 2 ( 7 ) ( a ). This represents a blatant violation of the law. 

I am disputing any ownership of debts to DISCOVER BANK. I am hereby revoking all communication rights through email, text, and calls. Furthermore, I request the following documentation : Debt validation for the alleged debt. 
The purchase agreement between myself and the original creditor. 
I expect a comprehensive investigation in line with the FCRA, 12 CFR 106.34, and other relevant consumer protection laws. If the information is found to be inaccurate or if the collection agency fails to provide the required documentation, I demand the immediate removal of the collections account from my credit report. 

Please provide written confirmation once the investigation is complete and any necessary corrections have been made to my credit report. 

Thank you for your immediate attention to this matter, and I anticipate your cooperation in ensuring compliance with consumer protection laws. 

Sincerely,

Company response to consumer: Closed with explanation