vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Financial Business and Consumer Solutions.
State: NV

Complaint narrative:
No. 



XXXX. 



The matter is reported to the authorities. 


Get these perjurious panhandling frauds out of my inboxes. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All communications logged as harassment spam and forwarded to the appropriate agency, department, institution, et al to assist informing lawsuits regarding any and all fraud and predatory revenue creation practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I just recently looked at my Experian report on XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-18 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally lodge a complaint against Goldman Sachs regarding the handling of a disputed charge on my Apple Card. The details of my dispute are as follows : Dispute Case Number : XXXX Transaction Date : XX/XX/year> Merchant Name : XXXX XXXX Disputed Amount : {$110.00} Amount to be Re-billed : {$110.00} I initially disputed this charge due to inaccuracies and issues related to the transaction with XXXX  XXXX. Despite my efforts to resolve the matter through the appropriate channels, Goldman Sachs has determined the dispute to be invalid and has re-billed the disputed amount of {$110.00} to my account. 

My primary concern is that Goldman Sachs has not refunded the merchant for the disputed amount, which raises serious questions about the integrity of their dispute resolution process. This action appears to be an attempt to collect payment from me without rectifying the transaction with the merchant, which I believe constitutes an act of misappropriation. 

Given the gravity of this situation, I am seeking immediate intervention from the XXXX XXXX XXXX XXXX XXXX XXXX to address the following issues : 1. A thorough investigation into the handling of my dispute by Goldman Sachs.

2. Confirmation that the disputed amount was either refunded to the merchant or a valid resolution was achieved.

3. A clear explanation and documentation of the reasons for deeming my dispute invalid.

4. Reimbursement of the disputed amount if Goldman Sachs is found to have mishandled the case. 

This situation has caused me significant distress and inconvenience. I trust that the XXXX  will ensure a fair and transparent resolution process. Please find all necessary documentation and correspondence related to this dispute attached for your reference. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: CA

Complaint narrative:
According to FCRA 605B, any incorrect accounts must be removed from my credit report. This account is being reported incorrectly, so please delete it from my credit file. I am entitled to {$1000.00} for each incorrect report on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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:
Subject : Dispute of Charge-Off Account on Credit Report To Whom It May Concern, I am writing to dispute a charge-off account that is appearing on my credit report. The account in question is with XXXX XXXX, and it has been marked as charged-off. However, I have recently received a 1099-C form from XXXX XXXX  indicating that the debt has been settled. 

Despite the debt being settled and written off by the original creditor, the account is still showing a balance on my credit report. This inaccurate information is adversely affecting my credit score and financial reputation. 

Enclosed with this letter are copies of the 1099-C form and any other relevant documentation supporting the resolution of this debt. I kindly request that you investigate this matter and remove the inaccurate information from my credit report as soon as possible. 

According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure that the information on my credit report is accurate and up-to-date. Failure to do so may result in legal action.

Please provide me with written confirmation once the disputed item has been removed from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX Enclosures : Copy of 1099-C form Any other relevant documentation

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 2024-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: D&A Services, LLC
State: NY

Complaint narrative:
On Tuesday, XX/XX/2024 at XXXXXXXX XXXX, I received a random phone call from a company D & A Services with the telephone number of ( XXXX ) XXXX with the location of XXXX, Illinois. I have never heard of or from this company before in my life and I have never received any mail correspondence from this company informing me of any debt that I may allegedly owe. I answered my phone and there was a woman on the other end. She asked to speak to me and I asked her who she was and where and what she was calling about. She would not disclose unless I verified that I was XXXX XXXX. I told her I am the individual that she is attempting to get in contact with. She then stated that this was a call to collect a debt and she wanted me to verify some information such as my date of birth and social. I informed her that I am not verifying any information over the phone until she tells me what she is calling in reference to or what alleged debt that I owe. I also informed her that I never received any mail correspondence from this alleged company as well. She checked her system and verified that no mail has been sent to me from them informing me of this alleged debt. I then again informed her that I am not verifying any information via phone until she provide me information of this alleged debt because this call can very well be a scam call. She then became very upset and hostile with me yelling " ma'am this is not a scam call and don't worry you will soon see. '' then she hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: DISCOVER BANK
State: CO

Complaint narrative:
On XX/XX/year>, I called XXXX after a XXXX search foXXXX XXXX customer service. The bad actor claimed to be an XXXX customer service representative. This person hacked my XXXX account, deployed a technician to my apartment from the XXXX  portal, charged me {$150.00} for a modem. The technician showed up on XX/XX/XXXX and was confused that I asked him for a modem. He said XXXX  does not sell modem, they rent them. We looked at my bank charges. The suspicious charge showed up as XXXX. This prompted me to report the fraudulent incident to XXXX and Discover. XXXX claimed there was fraudulent activity on my account and we changed my password and they took off a suspiciously added account number that was not mine. After reporting the fraud to Doscover, the provided me a new credit card. I was provided a temporary provisional credit of {$150.00}. In XXXX, I received a letter of the reversal of the provisional credit. They claimed the bad actor provided them with " valid '' documentation of service. " XXXX '' web design. The website is fraudulent. Both the number on the website and the number I originally called on XX/XX/year> are not valid numbers and in no way are associated with XXXX XXXX has written a letter and chats explaining the fraudulent activity on my account, I have provided a letter describing the incident, and an email from the vendor that does not provide receipt of supposed service. The email just claims that the charge is for XXXX help. The supporting documents that the supposed merchant provided also contradict themselves and the email he sent me. The services he told the bank that he provided are " web design help '' he also states in the receipt a supposed refund on XX/XX/year>, which clearly did not reflect in my bank statements. I have provided ample documentation to Discover Bank and they are siding with the fraudulent activity. I find this investigation to be alarming with blatant proof of fraud. I feel I should not have to fight my bank for protection against fraud. I found out from calling the Discover team that they only reviewed 8 documents out of all of the documents that I provided for them. I have proved the fraud and do not agree that the bank found the purchase to be valid. My signature was also forged by the fraudulent party in the supposed " receipt of services '' the vendor can not even show what services I supposedly received.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Dear CFPB, I am reporting an issue regarding the Lowes credit card ( Synchrony Bank ). Every time I log into my online account, the following error message appears : Our system is experiencing technical difficulties at the moment. Please try again later.

Ive tried calling and messaging their customer service, and the only way to bypass this error is to reset my password. Sometimes the password reset feature does not work, and I have to wait multiple days for the feature to work again. Having to reset my password each time I need to log into my account is not only a significant hassle but also prevents me from being able to see transactions and pay for them in a timely manner. 

Ive asked Synchrony Bank to resolve this issue multiple times and they refuse to solve this issue. Can you please provide your support?

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 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Victim of ID theft, my information has been compromised for years. I continue to battle with the credit reporting companies regarding these fraudulent accounts. Please help me remove these accounts.

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 2024-05-19 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: CA

Complaint narrative:
According to FCRA 605B, any incorrect accounts must be removed from my credit report. This account is being reported incorrectly, so please delete it from my credit file. I am entitled to {$1000.00} for each incorrect report on my credit file.

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 2024-05-19 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX Dear CFPB, I am writing to inform you that I did not provide consent for my personal information to be used or furnished to any third party. This is in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Please cease any further use or disclosure of my information. 
Thank you for your attention to this matter. 
Sincerely, 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 2024-05-19 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX Dear CFPB, I am writing to inform you that I did not provide consent for my personal information to be used or furnished to any third party. This is in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Please cease any further use or disclosure of my information.

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
FCRA 605B necessitates the removal of any erroneous accounts from my credit report. These accounts inaccurately represent the reporting. I should be compensated {$1000.00} for each mistaken report on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, IL XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX RE : Dispute of Charge-Off Entry on Credit Report To Whom this may concern, I am writing to formally dispute a charge-off entry on my credit report, which I believe is inaccurate and not compliant with the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliancy requirements XXXX 
The inaccurate entry is as follows : XXXX Account Number : XXXX Date of XXXX I dispute this entry on the following grounds : 1. Reporting Inaccuracies : Pursuant to the FCRA, creditors are required to report accurate and complete information to credit bureaus. However, the information provided regarding the charge-off is inaccurate. I have not received proper documentation or validation of this debt, and I dispute its validity.

2. Lack of Notification : The FCRA also mandates that consumers be notified of any negative information reported to credit bureaus. I have not received any notification regarding the charge-off in question, which is a violation of my rights under the FCRA.

3. Metro 2 Compliance : The Metro 2 Reporting Guidelines outline specific requirements for the reporting of consumer credit information. I believe that the creditor may have failed to adhere to these guidelines in reporting the charge-off, thereby rendering the entry inaccurate and non-compliant.

I request that you conduct a thorough investigation into this matter in accordance with FCRA regulations and Metro 2 compliancy requirements. If the investigation confirms that the charge-off entry is inaccurate or non-compliant, I request that it be promptly removed from my credit report.

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

Thank you for your attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Sincerely, 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 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Dispute of Charge-Off Account on Credit Report To Whom It May Concern, I am writing to dispute a charge-off account that is appearing on my credit report. The account in question is with XXXX XXXX, and it has been marked as charged-off. However, I have recently received a 1099-C form from XXXX XXXX indicating that the debt has been settled.

Despite the debt being settled and written off by the original creditor, the account is still showing a balance on my credit report. This inaccurate information is adversely affecting my credit score and financial reputation. 

Enclosed with this letter are copies of the 1099-C form and any other relevant documentation supporting the resolution of this debt. I kindly request that you investigate this matter and remove the inaccurate information from my credit report as soon as possible. 

According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure that the information on my credit report is accurate and up-to-date. Failure to do so may result in legal action. 

Please provide me with written confirmation once the disputed item has been removed from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX Enclosures : Copy of 1099-C form Any other relevant documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Dispute of Charge-Off Account on Credit Report To Whom It May Concern, I am writing to dispute a charge-off account that is appearing on my credit report. The account in question is with XXXX XXXX, and it has been marked as charged-off. However, I have recently received a 1099-C form from XXXX XXXX indicating that the debt has been settled. 

Despite the debt being settled and written off by the original creditor, the account is still showing a balance on my credit report. This inaccurate information is adversely affecting my credit score and financial reputation.

Enclosed with this letter are copies of the 1099-C form and any other relevant documentation supporting the resolution of this debt. I kindly request that you investigate this matter and remove the inaccurate information from my credit report as soon as possible. 

According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure that the information on my credit report is accurate and up-to-date. Failure to do so may result in legal action.

Please provide me with written confirmation once the disputed item has been removed from my credit report.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX Enclosures : Copy of 1099-C form Any other relevant documentation

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 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
Subject : Dispute of Unauthorized Reporting of Information on Credit Profile To Whom It May Concern, I am writing to dispute information on my credit profile that has been reported without my permission, which I believe violates the Fair Credit Reporting Act ( FCRA ) and the Uniform Commercial Code ( UCC ). The unauthorized reporting of this information is a violation of my rights as a consumer. 

Company ( Chrysler Capital ) account number XXXX. There are negative late payment reports being reported to my consumer report.

According to the UCC 2-725, which governs statute of limitations for breach of sales contracts, and UCC 3-118 , which addresses limitations on presentment warranties, the reporting of unauthorized information on my credit profile is not only a breach of contract but also a violation of the warranty of title, which requires that all claims on goods be disclosed. Additionally, the FCRA 1681s-2 mandates that furnishers of information to credit reporting agencies must have permissible purposes for doing so, and obtaining consumer consent is a fundamental requirement. 

I request that you promptly investigate this matter and remove the unauthorized information from my credit profile. Furthermore, I demand written confirmation of the removal and an updated copy of my credit report reflecting the changes made within the timeframe specified by law. 

Please provide me with any documentation or evidence supporting the validity of the reported information, as well as information on the source of this data. 

Failure to comply with my request within the specified time frame will leave me no choice but to pursue legal action to rectify this matter and seek damages for any harm caused to my creditworthiness and reputation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief