vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-24 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: TX

Complaint narrative:
I trust this letter finds you amidst a sense of urgency and accountability for the glaring violations of the Fair Credit Reporting Act ( FCRA ) that persist in my consumer report. Despite my previous disputes sent to XXXX, XXXX, and Experian, detailing inaccuracies and blatant violations, it has been over 30 days, and your agencies have failed to respond. 

Enclosed are copies of all previous dispute letters for your perusal, reiterating the discrepancies and violations that have tarnished my credit report. Under the FCRA, it is imperative that every detail reported is 100 % accurate. Sections 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) underscore the obligation of consumer reporting agencies to ensure precision, a duty that remains unfulfilled in this case.

I demand an immediate and thorough investigation into these matters. Failure to address and rectify these violations within a reasonable timeframe will leave me with no option but to pursue legal remedies available to me under the FCRA. 

I expect your swift attention to this matter and a resolution that upholds the integrity of the credit reporting system.

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 2024-01-24 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: CT

Complaint narrative:
I started using the Apple Card in XXXXXXXX  and had some fraudulent charges that I disputed with apple through Goldman Sachs. They opened an investigation at least six or seven times and every time that it was rejected, they recharged my card. I disputed this because I made all of my payments on time and didnt carry a balance into the next month. In one case, the vendor charged my card seven times for one purchase and Goldman Sachs claimed that it was not fraud because the vendor credited the fraudulent amounts. The vendor did not credit me for any of the fraudulent purchases, nor did they provide credit for the one valid purchase. They constantly claimed to need documentation which I provided but they claimed with every dispute credit reversal that they didnt have any documents to prove it was fraud. It was a black hole despite sending via chat and email that was opened up for me by Goldman. Apple Card recently closed my account without explanation or even making customer service for the card aware. The decision was made in XXXX XXXX XXXX and it is non-negotiable. The Apple card company is now reversing charges for the EIGHTH time and rebilling me for charges paid in XXXXXXXX The total balance is approaching {$6000.00} with all of the rebilled charges throughout XXXX and XXXX This practice can not be legal and at the least is incredibly unethical. I have always paid my bill on time or before it was due and the suggestion that I did something against their policies is ludicrous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 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: GA

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Future Judgement Solutions
State: TX

Complaint narrative:
we keep getting phone calls from this company on our cell phones. They leave voice mails threatening that a process server will serve papers at my home or place of employment which is of course a threat of legal action. This company does not have a surety bond registered with the Texas sec state and therefore is violating Texas law by operating in the state of Texas. They are further violating FDCPA by making false threats of legal action. We have no outstanding collectable debts. We recently purchased a {$600000.00} ranch and a {$25000.00} vehicle and opened two credit cards with different banks. We get monthly credit reports and just three days ago spoke with XXXX. If there were anything owed we would know about it. Which means this company is a total scam. I have filed a complaint with the Texas AG and with XXXX and when I'm done with this I will contact the Texas Sec. State and file complaint with them. The company in question is Future Judgement Solutions, aka : FJS Global Collect, aka : FJS. They are located at XXXX XXXX XXXX XXXX XXXX, XXXX WY XXXX and their phone number is XXXX but they called me from XXXX which is of course a spoof number which was the first indication I had they are not legit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: TN

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report 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 2024-01-24 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: TN

Complaint narrative:
The issue is causing me significant distress and XXXX to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I called customer service and told them I was having issues with direct deposit and money being sent to my account using XXXX. The representative said my account was placed on hold pending address verification. I explained to the representative that should have not been an issue because I opened my account inside of a local branch and the banker did not ask for that information. I also informed her that the bank should have did address verification before they mailed out my debit card. She didn't respond to my statement. I also told her that I didn't receive any written document from the bank to ask me to verify my address or that my account would be put on hold because not verifying my address. I told the representative to send me an email with what I needed to do to unlock my account, but she didn't do it. I went to the branch where I opened my account and showed them my id and gave them the change of address letter from the post office. The banker said they need a lease, mortgage paper, or utility bill with my address. I told the banker that I am renting a room from someone and nothing is in my name. The banker then said that she would email compliance a copy of change of address paper, but they may refuse and could take up three days for them to respond. So as of today XX/XX/2024, I'm locked out of my bank account and I can't receive or withdraw funds. My job tried to deposit my paycheck, but the bank refused it due to pending verification of my address after they already mailed me my debit card and I received it with my pin. I showed the banker my debit card letting her that I received it at my current address and they said that is still not sufficient enough. Can you please help me get my account unlocked so I withdraw my funds and close my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: Nelnet, Inc.
State: OH

Complaint narrative:
The Family Educational Rights and Privacy Act of XX/XX/1974 ( FERPA ), otherwise known as the Buckley Amendment, was passed to protect the privacy of students ' educational records. It gives parents and students who are 18 years and older the right to access their records. It also requires that parents or eligible students give permission before their information is released to a third party, except in special circumstances like transferring schools or a health emergency. My current student loan servicer NELNET Inc. and the Department of Education, is in violation of the Family Educational Rights and Privacy Act of XX/XX/1974 ( FERPA ) because they have been reporting my loan information to third parties. This information is to be removed from my consumer credit reports effective immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: OH

Complaint narrative:
I have an accident on my CLUE report that was not me ( XX/XX/2018 ) I have never lived in Texas and never had a Texas license. It is showing the wrong license number even. Lexis nexus states the information is unverifiable yet still on my report for some reason. This is costing me money for an accident that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
On or about XX/XX/2023, I contacted American Express Serve regarding transfers and reversals of funding done to my account. These transactions were in fact fraud. Along with the federal ID Theft report and correct documentation, I requested they close my high yields savings account. And open a brand new account with the funds from the old account. 

The customer service representative after verifying my identity took a look at my account and explained that there really was no need for that. As I wouldn't be expected to pay taxes on the transactions and that I didn't really have any money in my account to begin with so there was not need to actually close the compromised account and issue a new one. 

I than asked about my Banking History report and how that would look, she laughed and said, '' well I didn't really have a lot of money anyway. So it didn't really matter if it makes me look suspicions any way. '' She than asked if that was all I needed, and to have a good day.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: Blackhawk Network Holdings Inc.
State: WA

Complaint narrative:
I received a debit card for XXXX dollars from a legal settlement from MyPrepaidCenter.com. Attempts to use the card have been unsuccessful. And it now shows I have a XXXX balance even though I have not used the card. Card number is XXXX expires XX/XX/XXXX cvc code is XXXX Name on card is XXXX XXXX This is a scam. When calling help line there is no place to call for help. Nor on the Web site

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: TX

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate 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 non-monetary relief
Consumer complaint received 2024-01-24 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: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year> we purchased an online ticket was purchased for a show in New York on XX/XX/year>. We were in line to attend and the provider cancelled the performance. They informed us that they will resechdule for the next day, but the venue closed and is no longer available. They didn't provide the service that we pay for. We were also promised a gift card for the value of the ticket for the show that didn't happen, but a gift card was never sent to us. 

I disputed the charge with Citi Cards, but they simply reversed the charge for good reason. In their latest they communication ( attached ) they denied the dispute because we did not provide a valid credit slip, but we were never provided one given that the purchase made online. A receipt has been provided to them, however ( also attached ).

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 monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: IN

Complaint narrative:
I have a parent plus loan with Aidvantage that is currently in " in-school deferment status. '' This is my first parent plus loan and when the first disbursement occurred, I called Aidvantage and spoke with a representative to find out if I could make payments on the loan while it was in deferment - I was told I could. I was making payments prior to XX/XX/2023 ( when the Federal deferment was removed ) with no issues. All payments made after XX/XX/2023 have been returned to me without notice. It took 90 days of making payments before I realized my payments weren't posting to the account, BUT I was still being charged interest. When I called Aidvantage to find out why they were returning my payments the customer service agent spent 30 minutes giving me a multitude of excuses from there wasn't funds in my account, to I couldn't make a payment with the same card that I made payments to my own ( paid off ) student loan, to the most current disbursed loan was less than 6 months old so payments couldn't be made on it. Rather than find someone who could give me an actual answer she left the call by telling me once the funds had been on the account 6+ months or more I could make payments. If that's the case, I'll never be able to make payments because there will be a new disbursement every 6 months. Additionally, I was able to make payments on the first disbursement with no issues within the first 6 months. 

I'd like to know why my payments were refunded. I'd like to know why they were refunded with no notification. I'd also like to know, if this is a common occurrence, why the staff of Aidvantage has no training, or information, to be able to pass along to their customers. Why is there no information on the Aidvantage website and/or on the Department of Education website ?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Capital One claims that I did not preform on the obligation and payment was not made. I indeed did and I have submitted this a letter along with with this complaint to inform Capital One of dishonor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: BANKMOBILE TECHNOLOGIES, INC
State: AL

Complaint narrative:
Bank Mobile is furnishing inaccurate information to XXXX XXXX XXXX. XXXX XXXX has been notified that the information is inaccurate and due to fraud that has been being reported and is a direct violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies which states : Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

This account was created due to fraud and not my authorization. It is affecting me opening an account at other banks.

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 2024-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
This account is in violation due to the fact here are inaccurate information that is illegal under FCRA rule and regulation. This account payment history is not 100 % accurate and need some attention immediately under 15 usc 1681i ( e ) and 15 usc 16802b and 15 usc 1692c ( b ) ( g ). NOT VALID/ NOT COMPLETNESS/ NOT ACCURATE. 

PENNYMAC LOAN SERVICES L Account type FHA Mortgage Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 

Status updated XXXX XXXX Balance - Balance updated - Recent payment {$120000.00} as of XX/XX/XXXX Monthly payment - Original balance - Highest balance - Terms 30 Years UPDATE THIS NEGATIVVE ACCOUNT IMMEDIATELY. PAYMENT HISTORY DOESNT MAKE SENSE AND IT IS 100 % not accurate. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: MO

Complaint narrative:
PER THE FCRA AS A FEDERALLY PROTECTED CONSUMER. I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION I THE CONSUMER MAY HAVE GIVING YOU WRITTEN AND UNWRITTEN VERBAL AND NON-VERBAL PER 15 USC 6802. 
ACCORDING TO THE PRIVACY ACT OF 1974 PLEASE REMOVE ALL NON MAILABLE ADDRESSES EXCEPT CURRENT ADDRESS PLEASE REMOVE ALL CHARGE OFFS- CHARGE OFF IS A CERTIFICATE OF INDEBTNESS AND IS CONSIDERED INCOME WHICH MEANS IT MUST BE REMOVED. 
PLEASE REMOVE PROMTIONAL INQUIRIES- I DID NOT CONSENT TO THESE INQUIRIES. 
THE LAW STATES THAT ITS ILLEGAL TO REPORT TRANSACTION HISTORY FOR CREDIT CARDS. PLEASE UPDATE AS PAID AS AGREED.

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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
PER THE FCRA AS A FEDERALLY PROTECTED CONSUMER. I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION I THE CONSUMER MAY HAVE GIVING YOU WRITTEN AND UNWRITTEN VERBAL AND NON-VERBAL PER 15 USC 6802. 
ACCORDING TO THE PRIVACY ACT OF 1974 PLEASE REMOVE ALL NON MAILABLE ADDRESSES EXCEPT CURRENT ADDRESS PLEASE REMOVE ALL CHARGE OFFS- CHARGE OFF IS A CERTIFICATE OF INDEBTNESS AND IS CONSIDERED INCOME WHICH MEANS IT MUST BE REMOVED. 
PLEASE REMOVE PROMTIONAL INQUIRIES- I DID NOT CONSENT TO THESE INQUIRIES. 
THE LAW STATES THAT ITS ILLEGAL TO REPORT TRANSACTION HISTORY FOR CREDIT CARDS. PLEASE UPDATE AS PAID AS AGREED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
After my conversation with the service of the company, they inform that they changed the card, and it will be sent since XX/XX/2024, but at this moment it hasn't arrived. I was out of my country and couldn't used it.

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 2024-01-24 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: TN

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: AZ

Complaint narrative:
The statement below was added to my credit report. I do not have a mortgage with them and they opened an account for a little over XXXX XXXX. I do not want to make contact with them incase they try to take more of my information. I believe they are using a scare tactic to make me think I have an account with them because they keep sending me physical mail and opened an account without my consent and that is fraud. 

Between XX/XX/XXXX and XX/XX/XXXX, your mortgage with XXXX XXXX XXXX was added to your report. This account was opened on XX/XX/XXXX. 

I reported it and tried to get it off my credit report. 

Between XX/XX/XXXX and XX/XX/XXXX, your mortgage account with XXXX XXXX XXXX was removed from your credit report. 

I am not sure if it has been fully removed and if they can still open accounts without my knowledge of it.

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