vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-11 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Urgent Dispute : Inaccurate Date of Last Activity and Account Balance To Whom It May Concern, I am writing to formally dispute the inaccuracies regarding my credit account XXXX  XXXX ( Account XXXX as reported on my credit report. Specifically, I am challenging the reported date of last activity and the balance owed, both of which show a significant incongruity that must be resolved immediately. 
Specifically, I have observed the following inconsistencies : - XXXX XXXX XXXX Reports no date of last activity or balance owed. 
- **XXXX  : ** Reports the date of last activity as XX/XX/XXXX and a balanced owed of {$910.00}. 
- **TransUnion : ** Reports the date of last activity as XX/XX/XXXX and a balance owed of {$930.00}. 
- **XXXX  : ** Reports the account as OPEN - **TransUnion : ** Reports the account as DEROGATORY I calculate 4 inaccuracies currently. {$1000.00} per violation We are expecting a check mailed to us in the amount of {$4000.00}. 

The date of last activity reported is inconsistent with my records and does not accurately reflect the actual transactions associated with this account. Furthermore, the balance owed is not only incorrect but also misleading. Such discrepancies reflect a failure to maintain accurate and reliable information, which is a clear violation of the Fair Credit Reporting Act ( FCRA ).

I demand that you conduct a thorough investigation of this matter and provide the following : 1. A detailed explanation of the reported date of last activity.

2. Verification of the current balance and a breakdown of how this figure was calculated.

As a result of these violations, I am entitled to seek damage as specified under the FCRA. Therefore, I hereby demand compensation of {$1000.00} for each violation committed. This claim is made in accordance with 15 U.S.C. 1681n, which allows consumers to seek statutory damages for willful noncompliance with the FCRA. 

Your immediate attention to correcting these inaccuracies is not only expected but required. I will be monitoring your response closely and will take further action if necessary. 



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 2024-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
A purchase was made with my card that I did not authorize. After 2 years of disputing the card, Apple Card refused to refund my money. After asking many times to provide me with the dispute result information, they stated they would but never did. They claim I have the product that was purchased with my card. I have told them my card/phone was stolen when the purchase was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Request for Description of Investigation Process - Disputed Accounts on My Credit Report To : Experian Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

I recently reviewed my credit report and noticed an account that was not reporting accurately. Specifically, I had 1 late payments on an account ( XXXX XXXX  XXXX ) that, in fact, were paid on time. Credit reporting agencies are required to report all information with complete accuracy. This account has never been late on payments. 

I have attached a copy of my report highlighting the disputed payments on the following dates : ( XX/XX/2023 ). I kindly request that you investigate this account and update the payments to " paid on time '' immediately. Thank you for your understanding and prompt action. 

Additionally, I request that you provide a description of the procedure used to investigate and verify this account. If you can not update the payment status to reflect " on time, '' please provide the required documentation and explanation. 

I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act. 

I have identified discrepancies in the reporting, and it appears that there may be a violation of the Fair Credit Reporting Act ( FCRA ). The reported late payments on the aforementioned account are inconsistent with my payment history. To the best of my knowledge and records, I have consistently paid this account on time and in accordance with the agreed-upon terms.

Per 15 U.S.C. 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely related to transactions or experiences between the consumer ( me ) and the entity ( you ) making the report. Payment history, including the reported late payments, negatively impacts my consumer report and is considered part of my transactions and experiences with your company. 

Furthermore, I am requesting that you provide me with a written explanation of the reasonable procedures [ according to 15 U.S.C. 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) no later than 21 days before the payment due date. Please also include all the information required by section 1637 ( b ) of Title 15.

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 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Request for Description of Investigation Process - Disputed Accounts on My Credit Report To : Experian Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 

I recently reviewed my credit report and noticed an account that was not reporting accurately. Specifically, I had 1 late payments on an account ( XXXX XXXX  XXXX ) that, in fact, were paid on time. Credit reporting agencies are required to report all information with complete accuracy. This account has never been late on payments. 

I have attached a copy of my report highlighting the disputed payments on the following dates : ( XX/XX/2023 ). I kindly request that you investigate this account and update the payments to " paid on time '' immediately. Thank you for your understanding and prompt action. 

Additionally, I request that you provide a description of the procedure used to investigate and verify this account. If you can not update the payment status to reflect " on time, '' please provide the required documentation and explanation. 

I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act. 

I have identified discrepancies in the reporting, and it appears that there may be a violation of the Fair Credit Reporting Act ( FCRA ). The reported late payments on the aforementioned account are inconsistent with my payment history. To the best of my knowledge and records, I have consistently paid this account on time and in accordance with the agreed-upon terms. 

Per 15 U.S.C. 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely related to transactions or experiences between the consumer ( me ) and the entity ( you ) making the report. Payment history, including the reported late payments, negatively impacts my consumer report and is considered part of my transactions and experiences with your company. 

Furthermore, I am requesting that you provide me with a written explanation of the reasonable procedures [ according to 15 U.S.C. 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) no later than 21 days before the payment due date. Please also include all the information required by section 1637 ( b ) of Title 15.

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 2024-11-10 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: EQUIFAX, INC.
State: MO

Complaint narrative:
There are inquiries on my report i do not recognize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY
State: OR

Complaint narrative:
My spouse made a purchase with Nordstrom in XX/XX/XXXX. The item did not fit. The cost was approximately {$35.00}. She thought she had returned the item. A balance of {$35.00} was on the card. We received no messages indicating she owed the {$35.00} and was unaware until a letter arrived. Once she saw the letter she immediately paid the balance. Nordstrom reported the payment as late and XXXX reduced our XXXX  scores by XXXX points. My spouse called Nordstrom to explain and ask to have the delinquency removed saying we have never been late since the account was opened in XXXX. The credit agent told her they would not change the reporting. She then filed a dispute with XXXX. They received the same response from Nordstrom. I'm looking at the account via the XXXX app and see Nordstrom has balance and past due errors in their reporting. We have no balance with them. Prior to this incident my XXXX score was XXXX. Now it is XXXX. Nordstrom caused a decline in my XXXX score of XXXX points! Since Nordstrom did not adequately notify us of the minor account balance I am requesting they remove the past due 30 days status of XX/XX/XXXX and restore the account to current status. Additionally I am requesting XXXX restore my XXXX score to where it was before this incident. Consumers should not be penalized when clearly the reporting company is unable to produce accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: IL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2024-11-10 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: IL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
- I opened up a new checking account at Citi bank solely because they were offering a really good new customer promotion that was hard to resist. The promotion claimed new Citi checking account members would get a {$300.00} bonus to their account after meeting qualifying activities which included the following steps : -Open the checking account before the offer period expired XXXXEnroll in enhanced direct deposit offer -Make 2 or more enhanced direct deposits totaling at least XXXX dollars within 90 days of account opening ( this was done by me more than 2 times through multiple approved deposit methods ) - '' Keep your account open and in good standing until you have received your bonus which will be paid out in 30 days '' It has been 40 days now and I have gotten nothing. I called Citi about this 3 different times and they would not give me any information on when it is processed or why it is missing. I will include my deposit statements and account opening proof. I will also include the promotion that I meet all activities for. I am very upset with Citi and do not want to bank with them again. It is scummy behavior and there are other forum complaints online of people with the same problem not getting their bonuses. Citi also nearly locked me out of my own account after putting in my first paycheck. It took over a week to get back in and almost resorted to me having to drive a branch in XXXX. This whole experience has been awful and I just want my bonus so I can not bank with XXXX and keep being faced with lies/ignorance. 

Also, Citi has a mobile banking app feature to check your bonus status and promotions. It seems that either Citi app or some employee has switched the active ongoing promotion from my account to a different one that I never signed up for. Images included. 

I no longer have the patience to keep calling Citi. They have 2-3 different numbers for customer support and every call is a 20 minute hold time just to be directed to the other line back and forth. No help or transparency.

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 2024-11-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Request for Description of Investigation Process - Disputed Accounts on My Credit Report To : Equifax Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 

I recently reviewed my credit report and noticed an account that was not reporting accurately. Specifically, I had 1 late payments on an account ( XXXXXXXX XXXX XXXXXXXX ) that, in fact, were paid on time. Credit reporting agencies are required to report all information with complete accuracy. This account has never been late on payments. 

I have attached a copy of my report highlighting the disputed payments on the following dates : ( XX/XX/year> ). I kindly request that you investigate this account and update the payments to " paid on time '' immediately. Thank you for your understanding and prompt action. 

Additionally, I request that you provide a description of the procedure used to investigate and verify this account. If you can not update the payment status to reflect " on time, '' please provide the required documentation and explanation. 

I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act. 

I have identified discrepancies in the reporting, and it appears that there may be a violation of the Fair Credit Reporting Act ( FCRA ). The reported late payments on the aforementioned account are inconsistent with my payment history. To the best of my knowledge and records, I have consistently paid this account on time and in accordance with the agreed-upon terms. 

Per 15 U.S.C. 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely related to transactions or experiences between the consumer ( me ) and the entity ( you ) making the report. Payment history, including the reported late payments, negatively impacts my consumer report and is considered part of my transactions and experiences with your company. 

Furthermore, I am requesting that you provide me with a written explanation of the reasonable procedures [ according to 15 U.S.C. 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) no later than 21 days before the payment due date. Please also include all the information required by section 1637 ( b ) of Title 15.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Affirm Holdings, Inc
State: LA

Complaint narrative:
I am a XXXX, and I am applying to utilize the Louisiana Servicemembers ' Civil Relief Act. Most credit card companies are not aware of the provisions this provides as opposed to the federal SCRA ; it includes the reduction of credit card interest rates to below 6 % and the reimbursement of interest charges that were paid before the reduction. This applies to credit card accounts opened while on active-duty service, as opposed to the federal SCRA which only applies to those before entering the service. When contacting credit card companies in the past, they have refused to follow the policy due to their familiarity with the federal SCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
I do not owe the debt, I contacted " XXXX XXXX PA '' group directly. The manager apologized for the mistake with poor communication from them. I am not sure what service the state charge was for. I have spoken with this group multiple times about this. Around this service date, I had XXXX XXXX. Although, I have paid this same bill XXXX times now ( XXXX with the collections claim ). These are fraudulent charges that have been reported to the XXXX. I spoke with the " manager '' of stated group, they were not able to state reason for bill, only stating amount needed to be paid. I was assured that I would receive an itemized statement multiple times in the mail ( their only option in sending ), although this was never received. They have failed to provided proof of the debt after multiple requests. I was assured that this the collections claim would be revoked until they provided me itemized statement or proof of debt. 

Of note, after relocating, I did not receive written notice of collections claim until after stated date to respond. 

I plan to pay this repeat fraudulent charge on XX/XX/2024 as it is negatively affecting my XXXX XXXX. ( XXXX XXXX XXXX paper mail notification without other payment method other than mail-in. Will pay online/remotely during business hours with colllections. ) I would like a refund for this, {$240.00}.

Company response to consumer: Closed with explanation