vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: NE

Complaint narrative:
I want to Goldman Sach Marcus account page. Paid the balance in full and expected no additional charges like every other card I have, instead they put a late fee on the account for nonpayment of trailing interest which I was told was interest of XXXX cents. It's been my experience with other companies XXXX, XXXX, etc, when you go to their site and pay off a balance all the interest is calculated and the amount they state is the total outstanding is the total amount owned, not some additional amount at a later date. Their mechanisms to resolve it is a dispute that takes 2 months to resolve and at the same time, you will continue to have late fees and interest on a debt you should not owe or a 10-day process for review that appears to just refer you back to the statement print. Their site should calculate all due interest like everyone else when paid in full.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX CT XXXX GA XXXX XXXX XXXX XXXX XXXX XX/XX/year> First Progress XXXX XXXX XXXX XXXX, GA XXXX Acct # XXXX Subject : Notice of Dispute and Intent to Pursue Civil Liability under 15 U.S.C. 1685 ( i ) and 15 U.S.C. 1681 Dear XXXX, XXXX, XXXX I am writing to formally dispute certain information in my credit report under 15 U.S.C. 1685 ( i ) and 15 U.S.C. 1681i, I have the right to dispute any information that I believe is inaccurate or incomplete. and notify you of potential civil liability for willful noncompliance with the Fair Credit Reporting Act ( FCRA ). 


I found inaccuracies that I believe are in violation of the FCRA. The items in question are as follows : 1. The last activity reported is not consistent throughout the credit bureaus.

2. Months reviewed date not consistent throughout the credit bureaus.

3. High balance not consistent throughout the credit bureaus.

4. Times late not consistent throughout the credit bureaus.

5. Mailing address not consistent throughout the credit bureaus. 
Under the FCRA, This is grounds for removal. I am entitled to an accurate and complete credit report. Your failure to address and rectify these inaccuracies may constitute willful noncompliance, exposing you to civil liability as outlined in the Act. 

I request that you conduct a thorough investigation into this matter and provide me with the results of your investigation within 30 days, as required by law. If you determine that the disputed information is inaccurate, please ensure that it is corrected or removed from my credit report. 

Please confirm receipt of this letter, and I look forward to your prompt response to resolve this matter amicably. 

Thank you for your attention to this urgent issue. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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:
Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft, no later than XXXX business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
Fradulent Accounts- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX this/these accounts unless you want to be held accountable for {$1000.00} per account

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 2024-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
ACCOUNT NAME : XXXX XXXX XXXX XXXX Everything has to be 100 % % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the dates are inaccurate, the date last active is inaccurate, and date last payment is not accurate. 
Payment status not accurate. Even the remarks arent accurate. they didnt even finish the investigation after months of calling ( its in the remarks ). The high balance isnt accurate either! 

This ground for removal they also violated my rights under 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 ( WHICH WAS DONE MULTIPLE TIMES ) Also the Credit bureaus took more than 30 days to complete my investigation

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 2024-10-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
ACCOUNT NAME : XXXX XXXX XXXX XXXX Everything has to be 100 % % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the dates are inaccurate, the date last active is inaccurate, and date last payment is not accurate. 
Payment status not accurate. Even the remarks arent accurate. they didnt even finish the investigation after months of calling ( its in the remarks ). The high balance isnt accurate either! 
This ground for removal they also violated my rights under 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 ( WHICH WAS DONE MULTIPLE TIMES ) Also the Credit bureaus took more than 30 days to complete my investigation

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 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate theses items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you caused me. My information was also impacted by the XXXX Data Breach and may have got into the hands of the wrong person.

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 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am not liable for this debt with XXXX XXXX. This account was purchased by this person, as person is defined by the Fair Credit Reporting Act. I do not have a contract with XXXX XXXX and it's subsidiary XXXX XXXX XXXX XXXX. I was not provided the original contract, I signed in agreement as I requested, as this account was purchased. The account contains multiple errors in reporting pursuant to 15 USC 1681 ( e ) ( b ). In accordance with the Fair Credit Reporting act. The account listed below has violated my federally protected consumer right to privacy and confidentiality pursuant to 15 USC 1681. 
XXXX XXXX XXXX : # XXXX has violated my consumer rights.

15 U.S.C. 1681 section 602 ( a ). States that I have a federally protected right to privacy.

15 U.S.C. 1681 section 604 ( a ) ( 2 ). States a consumer reporting agency can not furnish information contained in my consumer report without a written statement of permissable purpose.

15 U.S.C. 1681c ( a ) ( 4 ) ( 5 ). States, except as authorized under subsection ( b ), noconsumer reporting agencymay make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( 5 ) Any other adverse item of information, other thanrecords 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.

12 CFR 1006.34 1006.34 Notice for validation of debts.

( c ) Validation information.Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.

( 1 ) Debt collector communication disclosure.The statement required by 1006.18 ( e ).

Official interpretation of 34 ( c ) ( 1 ) Debt collector communication disclosure.

( 2 ) Information about the debt.Except as provided in paragraph ( c ) ( 5 ) of this section : ( i ) The debt collectors name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information.

This account has been extremely damaging to my livelihood, and general mode of living. I have a special needs child that requires special in home equipment, and a XXXX with a lift. I am not able to receive the necessary financing because of the hindrance of this account. This is directly effecting the livelihood of my family, and is in direct written violation of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am not liable for this debt with XXXX XXXX. This account was purchased by this person, as person is defined by the Fair Credit Reporting Act. I do not have a contract with XXXX XXXX and it's subsidiary XXXX XXXX XXXX XXXX. I was not provided the original contract, I signed in agreement as I requested, as this account was purchased. The account contains multiple errors in reporting pursuant to 15 USC 1681 ( e ) ( b ). In accordance with the Fair Credit Reporting act. The account listed below has violated my federally protected consumer right to privacy and confidentiality pursuant to 15 USC 1681. 
XXXX XXXX XXXX : # XXXX has violated my consumer rights.

15 U.S.C. 1681 section 602 ( a ). States that I have a federally protected right to privacy.

15 U.S.C. 1681 section 604 ( a ) ( 2 ). States a consumer reporting agency can not furnish information contained in my consumer report without a written statement of permissable purpose.

15 U.S.C. 1681c ( a ) ( 4 ) ( 5 ). States, except as authorized under subsection ( b ), noconsumer reporting agencymay make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( 5 ) Any other adverse item of information, other thanrecords 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.

12 CFR 1006.34 1006.34 Notice for validation of debts.

( c ) Validation information.Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.

( 1 ) Debt collector communication disclosure.The statement required by 1006.18 ( e ).

Official interpretation of 34 ( c ) ( 1 ) Debt collector communication disclosure.

( 2 ) Information about the debt.Except as provided in paragraph ( c ) ( 5 ) of this section : ( i ) The debt collectors name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information.

This account has been extremely damaging to my livelihood, and general mode of living. I have a special needs child that requires special in home equipment, and a XXXX with a lift. I am not able to receive the necessary financing because of the hindrance of this account. This is directly effecting the livelihood of my family, and is in direct written violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 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: Home Loan Center, Inc.
State: IL

Complaint narrative:
NONE OF THE CREDIT INQUIRIES ON MY REPORT ARE AUTHORIZED WITH THE EXCEPTION OF TRANSUNIONS FREE CREDIT MONITORING AND KICKOFFS CREDIT BUILDER. I HAVE AN EX PARTNER WHO HAD ACCESS TO ALL OF MY SENSITIVE PERSONAL INFORMATION AND DOCUMENTS AND IS USING THIS INFORMATION TO POSE AS ME AND TRY TO DEGRADE MY CREDIT ANY WAY THEY CAN AS A PATTERN OF ABUSE THAT WENT ON WITH THE RELATIONSHIP AND IT HAS NOT ENDED WITH ME DISTANCING MYSELF FROM THIS PERSON. THEY ARE DOING IT TO KEEP ME FROM BECOMING INDEPENDENT AND HAVING GOOD CREDIT AND THIS IS NOT THEE ONLY THING THEY ARE DOING TO TRY TO KEEP MY LIFE UNDER THEIR CONTROL.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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: DE

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Chime Financial Inc
State: NC

Complaint narrative:
I currently live in XXXX North Carolina and was recently displaced due to XXXX  XXXX. XXXX has deposited disaster assistance funds into my chime account on XX/XX/year>. Since I received a new phone, chime needed to validate my identity which I promptly did. After regaining access to my chime account. I no longer had access to my virtual card number while my physical card comes in the mail. I'm going on a week of not being able to access any funds and after being logged into the account for a few days, chime suddenly restricts my account and placed a hold on it. I have since validated my identity multiple times to get their restriction lifted and they say the system isn't satisfied with my validation. I can and will provide any sort of document to prove I am who I am.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Giggle Finance Inc.
State: OR

Complaint narrative:
On XX/XX/XXXX, I signed an agreement with Giggle Finance to get an advance of {$1400.00}. I got a call from a representative of the company and I ended up asking him how much would I be paying back in total. I told him that the amount was just too much and it really wasnt worth it to me. So I told them I didnt want the money and I was told that they will not send me the {$1400.00}. And I was all cleared and I didnt have to pay any termination fees or any other fees. 

around XX/XX/XXXX, I was contacted by a Power of attorney ( XXXX XXXX, XXXX ) for Giggle finance. This power of attorney told me I have an outstanding balance of {$2100.00}. I let this Power of Attorney know that my situations I even went back to my back and printed out my bank records from XX/XX/XXXX and I NEVER received an advance from Giggle Finance. I was told to contact Giggle Finance. I emailed them and texted them but never received a response.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 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: GA

Complaint narrative:
DELETE HARD INQUIRIES EXPIRIAN XXXX  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 2024-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Google Compare Credit Cards Inc.
State: WA

Complaint narrative:
On XX/XX/year> I purchased the " XXXX XXXX  XXXX XXXX '' season pass in the game XXXX XXXX XXXX, operated by the company XXXX XXXX XXXX XXXX and published by their subsidiary, XXXX XXXX. XXXX. The payment was made through Google XXXX 's billing system. 

Due to some technical issue the first purchase did not go through, and the game told me to try my purchase again. I did so, only to find later that I was double charged on my credit card. 

I first attempted to go through XXXX XXXX XXXX ( the game 's ) Help Center where I requested a refund. Note that the season pass can *only be bought once per season per account* - so a double charge shouldn't even be possible. However, the support representative refused to refund me " due to their terms of service '' and that their service automatically converted the excess purchase into unwanted in-game currency. This in-game currency remains unused. 

I then attempted to go through Google XXXX to get a refund, as it was Google XXXX that processed the actual transaction. However, support there was also not helpful and said that a refund on a DUPLICATE TRANSACTION did not meet their refund policy. 

This is clearly consumer abuse when companies refuse to refund a customer due to duplicate transactions that happened due to no fault of the customer, especially when the product has not been used yet and is trivial to deduct digitally.

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