vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-18 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
CREDITOR INFORMATION XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, PA XXXX I am submitting a complaint in reference to this company Goldman Sachs Bank USA knowingly reporting inaccurate data. My credit profile is affected by these penalties this looks SUSPICIOUS and DECEPTIVE. I demand proof to see VALID authorization/proof of alleged debt. They are harassing me with phone calls as well. 

Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law require you to respond in 30 days. I am maintaining a careful record on my communication with your company. Please provide G.A.A.P agreement. 
FTC 15 USC 41

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: SC

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

" " I recently reviewed my consumer report and noticed an incorrect late payment record on my ( CHANGE TO NAME OF BANK ACCOUNT ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. '' '' "

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint against Experian regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX Name : My current legal name is : XXXX XXXX, but it is listed incorrectly on my credit report. I request that my name be updated to reflect the correct information. 

XXXX Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, but my credit report shows an outdated address. I request that my current address be updated accordingly. 

XXXX Contact Information : My main contact number is XXXX :. I would like this number to be updated. 

XXXX Date of Birth : XX/XX/year> ( XX/XX/year> ) XXXX Employer : XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license A copy of my Social Security A recent utility bill

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint against Experian regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX Name : My current legal name is : XXXX XXXX, but it is listed incorrectly on my credit report. I request that my name be updated to reflect the correct information. 

XXXX Address : My current residential address is XXXX XXXX XXXX th pl XXXX XXXX, XXXX XXXX, but my credit report shows an outdated address. I request that my current address be updated accordingly. 

XXXX XXXX XXXX : My main contact number is XXXX :. I would like this number to be updated. 

XXXX Date of Birth : XX/XX/year> ( XX/XX/year> ) XXXX Employer : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Pl # XXXX, XXXX XXXX, FL XXXX. 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license A copy of my Social Security A recent utility bill

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: MD

Complaint narrative:
I have no knowledge of the mentioned inquiries, and I respectfully request that you address this matter promptly. Supporting documents have been enclosed for your reference. Kindly investigate the matter and take necessary actions for its resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to formally demand the immediate deletion of any derogatory information on my credit report that has not been fully verified as true, correct, complete, and compliant with all applicable reporting laws, including the FCRA, XXXX, FDCPA, and XXXX XXXX COMPLIANCE STANDARDS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
My account was closed in XXXX by bank of america i had a cpl claims that at that moment made my account go negative i havent touched my account since XXXX of XXXX all my claims were approved to my favor and were paid. But XXXX neverpaid me my balance money that was in my account prior too. Its been XXXX yrs and all claims says is they cant discuss or they cant see that far back therefore i cant do nothing why they can not give me my money that is mine... all i want is whats mine no more no less i been very patient waiting on there respond. And nothing please help. XXXX in a crisis right now XXXX of this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/XXXX I paid a {$5000.00} deposit to greystone castle that was valid for XXXX weeks to make a decision on a wedding venue. On XX/XX/XXXX, the merchant 's email domain and website went down and I feared I had been scammed so I submitted a dispute with Chase. Once I got in touch with the merchant ( greystone ), she let me know she just had to renew her domain and I was not scammed. So I clsoed the dispute with Chase. After deciding to choose another wedding venue, I asked the merchant to refund the {$5000.00} on XX/XX/XXXX via text and the merchant agreed. I also followed up via email on the same date. After following up a few times, the merchant let me know that she had send the refund on XX/XX/XXXX. I did see a pending refund with chase and then it disappeared. I submitted another dispute on XX/XX/XXXX with documentation of the merchant agreeing to a refund. Chase closed this dispute. 

I would like my deposit money back. We have not received any goods or services from the merchant and we agreed to a refund that Chase is not honoring. I have reached out to the merchant again to get her assistance but have not heard back yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of the account and inquiries listed below, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these items be removed from my credit report to safeguard my personal and financial information. 
Affected Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Md XXXX XXXX XXXX XXXX XX/XX/XXXX Subject : Dispute of Inaccurate Charge-Off Reporting Dear Sir/Madam, I am writing to formally dispute an inaccurate item on my credit report, which I believe is being reported incorrectly. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information that I believe to be incomplete, incorrect, or unverifiable. 

Upon reviewing my credit report, I have noticed a charge-off reported by [ XXXX XXXX ] under account number [ Account XXXX ]. I have reasons to believe this charge-off is being inaccurately reported, and I am requesting that you investigate this matter under the provisions of the FCRA, which requires all information reported on credit reports to be accurate, complete, and verifiable. 

The specific item in question is the charge-off reported on [ Date of Charge-off ] with the following details : Creditor : XXXX  Account Number : XXXX Reported Balance : {$0.00} Date Reported : XX/XX/XXXX Creditor : XXXX XXXX Account Number : XXXX Reported Balance : {$1600.00} Date Reported : XX/XX/XXXX Creditor : XXXX XXXX Account Number : XXXX Reported Balance : {$1500.00} Date Reported : XX/XX/XXXX Creditor : XXXX Account Number : XXXX Reported Balance : {$890.00} Date Reported : XX/XX/XXXX Creditor : XXXX Account Number : XXXX Reported Balance : {$590.00} Date Reported : XX/XX/XXXX Creditor : XXXX OF XXXX Account Number : XXXX Reported Balance : {$0.00} Date Reported : XX/XX/XXXX Creditor : XXXX  Account Number : XXXX Reported Balance : {$0.00} Date Reported : XX/XX/XXXX I kindly request that you : Conduct a thorough investigation into this account and its reporting. 
Verify the accuracy of the charge-off, including the original terms and any payments made. 
Provide evidence supporting the reported charge-off. 
Remove this item from my credit report if it can not be verified as accurate. 
Under the FCRA, you are required to investigate this dispute within 30 days of receipt of this letter. Please inform me in writing of the outcome of your investigation, and if this item is found to be inaccurate or unverifiable, I request that it be removed from my credit report. 

Enclosed, I have provided supporting documentation that outlines my position, including [ list any relevant documents you are including, such as payment records, correspondence, etc. ]. 

Please notify me once your investigation is complete. I look forward to your prompt resolution of this matter. 

Thank you for your attention to this issue. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Md XXXX XXXX XXXX XXXX XX/XX/XXXX Subject : Dispute of Inaccurate Charge-Off Reporting Dear Sir/Madam, I am writing to formally dispute an inaccurate item on my credit report, which I believe is being reported incorrectly. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information that I believe to be incomplete, incorrect, or unverifiable. 

Upon reviewing my credit report, I have noticed a charge-off reported by [ XXXX XXXX ] under account number [ Account XXXX ]. I have reasons to believe this charge-off is being inaccurately reported, and I am requesting that you investigate this matter under the provisions of the FCRA, which requires all information reported on credit reports to be accurate, complete, and verifiable. 

The specific item in question is the charge-off reported on [ Date of Charge-off ] with the following details : Creditor : XXXX Account Number : XXXX Reported Balance : {$0.00} Date Reported : XX/XX/XXXX Creditor : CAPITAL XXXX Account Number : XXXX Reported Balance : {$1600.00} Date Reported : XX/XX/XXXX Creditor : XXXX XXXX Account Number : XXXX Reported Balance : {$1500.00} Date Reported : XX/XX/XXXX Creditor : XXXX Account Number : XXXX Reported Balance : {$890.00} Date Reported : XX/XX/XXXX Creditor : XXXX Account Number : XXXX Reported Balance : {$590.00} Date Reported : XX/XX/XXXX Creditor : XXXX OF XXXX Account Number : XXXX Reported Balance : {$0.00} Date Reported : XX/XX/XXXX Creditor : XXXX Account Number : XXXX Reported Balance : {$0.00} Date Reported : XX/XX/XXXX I kindly request that you : Conduct a thorough investigation into this account and its reporting. 
Verify the accuracy of the charge-off, including the original terms and any payments made. 
Provide evidence supporting the reported charge-off. 
Remove this item from my credit report if it can not be verified as accurate. 
Under the FCRA, you are required to investigate this dispute within 30 days of receipt of this letter. Please inform me in writing of the outcome of your investigation, and if this item is found to be inaccurate or unverifiable, I request that it be removed from my credit report. 

Enclosed, I have provided supporting documentation that outlines my position, including [ list any relevant documents you are including, such as payment records, correspondence, etc. ]. 

Please notify me once your investigation is complete. I look forward to your prompt resolution of this matter. 

Thank you for your attention to this issue. 

Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: MA

Complaint narrative:
I Received A copy of My Credit Report I saw Accounts That Don't Suppose To Be There Please I Demand these ACCOUNTS and INQUIRIES to be REMOVED. PLEASE HELP ME RESOLVE THIS ISSUE. 
THESE ARE THE ACCOUNTS : XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX Balance : {$320.00} ACCNT : XXXX XXXX XXXX XXXX XXXX Balance {$450.00} ACCNT # XXXX THESE ARE THE INQUIRYS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Services XXXX XXXX  FInancial XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX  Credit XXXX XXXX XXXX XXXX Bank XXXX XXXX Fed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fin XXXX XXXX  Capital XXXX XXXX  Financial XXXX XXXX XXXX XXXX. 
Under FCRA Consumer SECTION : 15 USC 1681B Permissible Purposes, 15 USC 1602 opt-out option, 15 USC 1681 ( B ) Disclosure, 15 USC 1681Q- any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be find under TITLE 18, Imprisoned for not more then 2 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
There I have late payments reported on my credit report that need to be addressed. late payments Under the law, 15 USC 1666B ( a ), I expect my rights to be protected regarding the late payments reported on my credit report. 
( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I never received a billing statement, neither by mail nor email. Additionally, there have been several confusing changes to the account regarding when the payment was past due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: MD

Complaint narrative:
Someone sold my information to a debt collector along with the debt itself being written off. They have not presented a 1099c form to me after writing off the debt. Law 15 usc 1692c ( c ) Under the FDCPA, a debt collector is prohibited from communicating with a consumer after the consumer disputes the debt, except to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor. They sold the debt to several debtors. I am not even sure who the original debt is from.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to file a complaint against Truist Bank for failing to honor a {$400.00} checking account opening bonus for which I fulfilled all the promotional requirements. Despite meeting all conditions, my bonus was denied unfairly. 

The promotion required at least one direct deposit totaling {$500.00} or more and completing 15 debit card purchases within 90 days of account opening. 

I made direct deposits totaling {$7900.00} within 90 days, far exceeding the required {$500.00}. The promotional terms did not specify that each deposit needed to be {$500.00} or more. Additionally, I completed over 15 debit card transactions within the required period. 

Truist Bank denied the bonus, citing that each individual deposit was below {$500.00}. However, this requirement was not included in the promotional terms. My deposits cumulatively exceeded the required {$500.00} threshold. 

I respectfully request that Truist Bank honors its promotional offer and credits the {$400.00} bonus to my account. Additionally, I urge Truist to ensure its promotional terms are upheld consistently. 

I have attached the promotional terms, my account statements, and all relevant correspondence with Truist Bank for your review. 
Thank you for your attention to this matter. Please feel free to contact me by email for further details.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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 urgently request the prompt removal of these unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize them. Please rectify this immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I urgently request the prompt removal of these unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize them. Please rectify this immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I do not reside at XXXX XXXX XXXX, XXXX, NJ XXXX. And would like this address removed from XXXX and Experian Reporting Agency Consumer Report! 

And also I would like XXXX XXXX XXXX to remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX my Consumer Report! 

I have been and currently be residing at XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX. 

PLEASE HELP Thank You 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