vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My requests to correct and remove false and inaccurate information on my credit report keeps getting denied and/or disregarded. As a consumer, I know I have rights and that very right is being violated with what these companies are reporting on my credit that are not the maximum possible accuracy. It's hurting my credit score and impacting my life negatively.

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 2024-08-20 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: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: CA

Complaint narrative:
I placed an order on XX/XX/XXXX from the XXXX website for the amount of {$1100.00} and got the delivery notification on XX/XX/XXXX. Unfortunately, I did not see the package. Then I contacted the XXXX online order customer service right away. They told me the package had been delivered. I need to contact the delivery XXXX and submit the claim. Then I submitted the XXXX claim to the delivery XXXX XXXX XXXX. They replied to me on XX/XX/XXXX and gave me the case number. Then they sent me an email on XX/XX/XXXX and stated after the investigation, the package had been delivered already and let me contact XXXX. Then I contacted XXXX again, and they said couldn't help. Then I tried to dispute the transaction through my Apple card on XX/XX/XXXX and got denied on XX/XX/XXXX due to the merchant having delivery proof. The amount remained on my account. Then I went to the local police office, the XXXX gave me the case number and report. After that I submitted the second time dispute and got denied again on XX/XX/XXXX. Then I submitted the XXXX and XXXX time disputes with the same outcome later. The last time I contacted Apple card on XX/XX/XXXX and declined the dispute at the first time. Later on the rep told me can help me submit the last dispute but I had to provide proof. Otherwise, the dispute gon na deny again. I don't have a camera or anything proof the package was not delivered. I don't know how to proof. Please help!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-20 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: FL

Complaint narrative:
After i found out that some accounts were open without my knowledge, i called all XXXX bureaus to find out what the best way was to remove these accounts. I then followed intructions, but they havent cameoff

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 2024-08-20 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: FL

Complaint narrative:
After i found out that some accounts were open without my knowledge, i called all XXXX bureaus to find out what the best way was to remove these accounts. I then followed intructions, but they havent cameoff

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My credit was ran at the locations listed below unbeknownst to me numerous of times ... WELLS FARGO XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX NXXXX  XXXX ( Auto ) XX/XX/XXXX XXXX XXXXXXXX OF XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/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 Auto ) XX/XX/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 ( Auto ) XX/XX/XXXX XXXX BANK XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX DEALER ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Bank XXXX XX/XX/XXXX XXXX & amp ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXXXXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance XXXX XX/XX/XXXX 2022

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 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I settled the balance of loan in agreement with Chase Auto. I was told over the phone that if I paid and settled the debt that the account would no longer be reported onto my credit report. They have not honored the agreement even after cashing the cheque sent to them from me. They cashed the check and sold the debt in it's entire balance to XXXX XXXX agency. They both are reporting the debt in it's full balance as an open collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: GA

Complaint narrative:
This letter serves as a formal follow-up to my previous dispute submitted regarding unauthorized hard inquiries on my credit report. Despite my prior request, these inquiries continue to appear on my report, which is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached 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 2024-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting.

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 2024-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX  XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting.

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 2024-08-20 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: LA

Complaint narrative:
I have repeatedly disputed the accuracy of the information related to the a collection account with XXXX XXXX XXXX, in the amount of {$990.00} with an original balance of {$1000.00}, with XXXX, TransUnion, and XXXX but the inaccurate information remains on my credit report. Specifically : XXXX XXXX : The reported balance of {$990.00} and the original balance ( {$1000.00} ) is inaccurate. There were 14 month 's worth of payments on this account. My original credit limit with XXXX Bank was lower than the amount reported, and my first payment was made immediately, which should have further reduced the original balance. In XXXX and XXXX, I requested the original purchase agreement, along with complete record of payments made and did not receive it, from XXXX XXXX and XXXX. 

Outdated Collection Account : The debt in question is an " open account '' beyond the statute of limitations for collection under Louisiana Civil Code Article 3494, which specifies a three-year statute of limitations for such debts. The last payment was made in XX/XX/XXXX, making this account time-barred and no longer eligible for collection or reporting. 

Despite providing clear evidence of these inaccuracies in previous disputes, XXXX, Transunion, and XXXX have failed to correct the information on my credit report. This ongoing failure to maintain accurate information is a violation of the Fair Credit Reporting Act ( FCRA ). 

Relevant Federal Law : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Requires that credit bureaus conduct a reasonable investigation into disputed information.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) : Requires that furnishers of information update and correct inaccurate information provided to credit bureaus.

15 U.S.C. 1681e ( b ) : Requires that credit bureaus maintain accurate and up-to-date information on consumers credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 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: LA

Complaint narrative:
I have repeatedly disputed the accuracy of the information related to the a collection account with XXXX XXXX XXXX, in the amount of {$990.00} with an original balance of {$1000.00}, with XXXX, XXXX, and Equifax but the inaccurate information remains on my credit report. Specifically : XXXX XXXX : The reported balance of {$990.00} and the original balance ( {$1000.00} ) is inaccurate. There were 14 month 's worth of payments on this account. My original credit limit with XXXX Bank was lower than the amount reported, and my first payment was made immediately, which should have further reduced the original balance. In XXXX and XXXX, I requested the original purchase agreement, along with complete record of payments made and did not receive it, from XXXX XXXX and XXXX. 

Outdated Collection Account : The debt in question is an " open account '' beyond the statute of limitations for collection under Louisiana Civil Code Article 3494, which specifies a three-year statute of limitations for such debts. The last payment was made in XX/XX/XXXX, making this account time-barred and no longer eligible for collection or reporting. 

Despite providing clear evidence of these inaccuracies in previous disputes, XXXX, XXXX, and Equifax have failed to correct the information on my credit report. This ongoing failure to maintain accurate information is a violation of the Fair Credit Reporting Act ( FCRA ). 

Relevant Federal Law : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Requires that credit bureaus conduct a reasonable investigation into disputed information.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) : Requires that furnishers of information update and correct inaccurate information provided to credit bureaus.

15 U.S.C. 1681e ( b ) : Requires that credit bureaus maintain accurate and up-to-date information on consumers credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Paid student loans in full in XX/XX/year>, XXXX never updated payment in my credit reports. I complained to experience, filled a dispute, but dispute did not get approved.

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 2024-08-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
On XXXX XXXX, XXXX my phone was stolen from me while working in XXXX XXXX area. I found a month or so later that someone had made a very large purchase at the XXXX XXXX Target ( for {$920.00} to be exact ). The issue was that 1 ) I did not make the purchase, and 2 ) I was in possession of my Target Redcard still. I couldn't figure it out, until I made a purchase and scanned my wallet barcode so I could get any points/bonus offers, and it immediately charged my card right after scanning. That's when I realized that whoever had taken my phone would have had access to my Target app and purchased the items that way. I conveyed this to the person I spoke with on the phone XXXX XXXX, XXXX at XXXX XXXX XXXX. They said that the charges would be removed, and investigated, and I believe they sent me a new card. They asked if I had called the police, and I told them that since I work alone & for myself, that I didn't have another phone on me and no one was around to help. The person snatched my phone from my hand and ran. I eventually asked a neighbor to call the police, but XXXX police never responded. It is a high crime city, and all calls are routed through XXXX XXXX XXXX, so it doesn't directly go to the dispatcher unless it's a violence crime/emergency. So I feel that the person on the other end took the info but didn't deem it a priority or whatever system they have to determine immediate response. I have an older phone that I had given to my son after copying all apps/data, which is what I switched back to afterward without needing to redownload any apps or change any passwords ( besides the one for my bank and another private item ). So it wasn't a life or death thing with the phone, and I had no idea you could just scan a barcode and charge things without having a card present on Target 's app. But I never received any follow-up notices or letters, and it appears that a few weeks later Target just put those charges right back on my account. Which has been accruing interest and hurting us since then. My wife has had health complications this year, and I haven't paid as much attention to our credit card accounts as I usually do besides logging in and paying the minimum amount due. I should've paid attention, and reached back out after but her health is failing and raising XXXX kids almost solo has taken all my energy. I mean, as far as the items go, I don't need some {$300.00} stroller for my kids, we own a XXXX  which is extremely better and more expensive than a XXXX XXXX from Target ( also, I'd never use an item that promotes some brand I don't use/know like XXXX ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: MD

Complaint narrative:
I purhcased a vanilla visa gift card that was advertised to be able to be used online and in person. However, Incomm and vanilla visa do not offer the ability to register the address and create a zip code, so I am unable to use this card as intended online when a zip code is requested ( as on almost every site ). Thus, the card was falsely advertised, and I can not use the balance. It is my hope they provide me a refund for this card and the activation fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
i booked 2 nights at a resort in XXXX that was listed on AMEX 's search engine under their HOTEL & RESORTS COLLECTION, which qualified me for a {$300.00} credit. AMEX refused to credit the amount because they claimed that particular property was not part of that plan EVEN THOUGH it appeared in the search engine on their travel website. they charged me late fees and took the " outstanding '' Balance to Collections ( XXXX ). Furthermore, the Resort was underwhelming at best, with cockroaches in the rooms- i would like the {$300.00} charge removed asap along with any late fees.. thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
On XX/XX/2024 a check was issued from XXXX XXXX XXXX XXXX to Ally Financial for the payoff of my Vehicle Loan. I refinanced my vehicle loan with XXXX XXXX XXXX. Ally Financial received and signed off on the check on XX/XX/2024. The check was signed off on by XXXXr at XXXX. It is now XX/XX/2024 and the check has still not been cashed and my auto loan still remains opened with Ally Financial. I now have 2 auto loans opened, when XXXX XXXX XXXX XXXX XXXX should be the only loan holder open for my account in the vehicle. I called Ally on XX/XX/2024 to find out why the check issued had not been cashed yet and the representative didnt know why or where the check went to. They said it had been received, but not cashed. I called XXXX XXXX XXXX XXXX XXXX that same day to have them cancel the check and issue a new check to be delivered in 3 business days from XX/XX/2024. 
I would like Ally Financial to take care of this immediately and clear me account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
Paypal permanently closed my account with my in my balance and making me wait 6 months just to be able to withdraw it and im not waiting 6 months just to be to get my money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX, XXXX, Equifax have all violated my privacy of student loan information, reporting it to public on credit reports without getting consent, giving it to third parties. Also, there are false indications on my credit report from all 3, I have attahced XXXX under the XXXX loan stating that I was making payments with that loan. I never made any payments. I am protected under The Family Educational Rights and Privacy Act Of 1974.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 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: NJ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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