vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-28 00:00:00
Product: Credit card or prepaid 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: MO

Complaint narrative:
I have been reaching out to Apple/ golden sachs about a dispute that I submitted since XX/XX/2022. This dispute was because I was not rendered services that I was promise and I asked for a refund from merchant but they hadnt sent it in a week so I did a dispute. I have been given the run around, I am entitled to my full balance and they will not free the money which is putting me in hardships bc this is my everyday use card. 

Ive talked to supervisors, agents and even have sent over documentation that should have this resolved and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
This information appeared on my credit report as a collection. I never owned this debt, I don't know either company. I never received a letter or information attempting to collect the debt to allow me to contest it as required by law. 

RADIUS GLOBAL SOLUTIONS Last reported XX/XX/XXXX {$340.00} Open balance XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( 1 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name 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 2022-01-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
I have an auto lease with XXXX XXXX XXXX  XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the Credit Bureau with no successful resolution. There was definitely an error on their part. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, 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:
The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

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 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have an auto lease with XXXX XXXXXXXX XXXX  XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the Experian and XXXX Credit Bureau with no successful resolution. There was definitely an error on their part. 

XXXX XXXX XXXX XXXXXXXX

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 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: American Credit Acceptance, LLC
State: NV

Complaint narrative:
America Credit Finance only assisted me with the payment deferred due to me filing complaint, however agents stated I would not be reported late and I have been. Please refer to my previous complaints and please refer to your call recording

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have an auto lease with XXXX XXXX CT XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the XXXX and Equifax Credit Bureau with no successful resolution. There was definitely an error on their part. 

XXXX XXXX CT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I submitted via certified mail a police report, identity theft affidavit, proof of ID and proof of address to all 3 bureaus informing them of fraudulent inaccurate information reporting on my consumer report, they did not refrain from reporting or block the information within 4 days of receiving notice. It has no been over 60 days. I would like all negative fraudulent accounts reporting removed from my report indefinitely.

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 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I submitted via certified mail a police report, identity theft affidavit, proof of ID and proof of address to all 3 bureaus informing them of fraudulent inaccurate information reporting on my consumer report, they did not refrain from reporting or block the information within 4 days of receiving notice. It has no been over 60 days. I would like all negative fraudulent accounts reporting removed from my report indefinitely.

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 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I submitted via certified mail a police report, identity theft affidavit, proof of ID and proof of address to all 3 bureaus informing them of fraudulent inaccurate information reporting on my consumer report, they did not refrain from reporting or block the information within 4 days of receiving notice. It has no been over 60 days. I would like all negative fraudulent accounts reporting removed from my report indefinitely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
This PENTAGON FCU XXXX account is reporting derogatory information as reported in my Credit Bureaus XXXX The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 


PENTAGON FCU 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 2022-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
This WELLS FARGO XXXX account is reporting derogatory information as reported in my Credit Bureaus XXXX The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

WELLS FARGO 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 2022-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This CAPITAL ONE XXXX account is reporting derogatory information as reported in my Credit Bureaus XXXX The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

CAPITAL ONE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EQUIFAX, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with TRANSUNION, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 


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 non-monetary relief
Consumer complaint received 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
A Fraudulent Credit Repair Company " XXXX XXXXXXXX XXXX 's '' Stole my Identity. 
And Have send it Multiple disputes about the Situation And not heard a response

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 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
This is a notice sent to you because you have violated my federally protected consumer rights, beginning with my right to privacy, which you have failed to respect as your grave responsibility as a consumer reporting agency as a result of my creditworthiness. Credit capacity and character reputation have been severely harmed, resulting in emotional distress, marital instability, and financial losses. You are also in violation of 18 USC 1028a, aggravated identity theft, by furnishing a consumer report containing specific factual nonpublic private information without my written consent ; and 15 USC 1681b ( a ) by furnishing a consumer report containing specific factual nonpublic private personal identification information without my written consent ( 2 ). According to 15 USC 1681c, a consumer agency must block the reporting of information in a consumer 's file that the consumer identifies as information resulting from an alleged identity theft no later than four business days after the date of receipt by such agency ( 2 ).

You were not provided any written instructions about furnishing items on my consumer report, which is a violation of 15 US C 1681b ( 2 ), which states that a consumer reporting agency may furnish a consumer report only under the following circumstances and no others : in accordance with the written instructions of the consumer to whom it relates. 
You were not provided any written instructions about furnishing items on my consumer report, which is a violation of 15 US C 1681b ( 2 ), which states that a consumer reporting agency may furnish a consumer report only under the following circumstances and no others : in accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 38 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent letters to XXXX, Experian and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 38 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2022-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
I RECENTLY HAD A DISPUTE WITH A MERCHANT WHICH RESULTED IN MY NAVY FEDERAL CHECKING ACCOUNT BEING CLOSED DOWN AFTER FURTHER REVIEW NAVY FEDERAL ASSISTED ME WITH RESOLVING THE DISPUTE AND SETTLED IN MY FAVOR FOR THE AMOUNT OF {$1800.00} ITS BEEN A ONGOING ISSUE AND DELAY ( WEEKS ) WITH NAVY FEDERAL RETURNING THE FUNDS TO MY ACTIVE SAVINGS ACCOUNT THAT I HAVE WITH THEM IVE CONTACTED AND SPOKE WITH 9 DIFFERENT SUPERVISORS EXPLAINING THAT THIS IS CAUSING A BIG FINANCIAL HARDSHIP ON MY FAMILY BY FUNDS STILL NOT SHOWING IN MY ACCOUNT ACCOUNT NAVY FEDERAL CHARGED OFF MY CHECKING ACCOUNT FOR A OUTRAGEOUS AMOUNT THAT I FEEL I WASNT RESPONSIBLE FOR ALSO IT WAS STATED A ACCOUNT CANT BE CHARGED OFF UNTIL AFTER 180 DAYS OF THE UNPAID DEBT BALANCE THEY HAVE TAKEN 3 MONTHS OF CHILD TAX CREDIT PAYMENTS ALONG WITH ADDITIONAL FUNDS I HAD REMAINING FROM ANOTHER ACCOUNT I HAVE WITH THEM PROVIDED NO LEGAL RIGHT TO DO SO OR EXPLANATION ON WHY THE FUNDS WERE CONSTANTLY BEING TAKEN FROM MY ACCOUNT IVE BEEN GIVEN NO EXPLANATION OR ASSISTANCE ON WHEN I WOULD RECEIVE ANY OF THE FUNDS IM ENTITLED TOO

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CO

Complaint narrative:
Hello, I am providing a written statement along with additional documents such as a police report to support my claim and request to reopen the claim. 
I am a victim of a scam. On XX/XX/2021 I purchased a blue sectional sofa for the agreed upon amount of {$110.00} and never received the sofa! The payment was sent to the person selling the sofa on XX/XX/2021 and the sofa was to be delivered to me that night or the following morning on the XXXX of XXXX. I then set up arrangements with my current rental sofa to be returned to their warehouse once I got the sofa from the seller. This can also be verified with my rental furniture company. Shortly after paying for the item the person who sold it to me has since removed the listing for the sofa, blocked me on XXXX. They also stopped responding to me that night on the XXXX of XXXX and I have not heard back from them since. They also changed the name on their account where the payment was sent to, in an attempt to cover up their scam. I have reported them to XXXX and XXXX. I requested the funds back from them because I did not receive the sofa and they never gave it back, proving they were scamming me. I have since filed a police report with my local police department that you may call and verify and I have attached the copy to this email. I am truly a victim of this scam and it pains me as this money was taken from me days before XXXX and I could not purchase presents for any of my family members. Not only was I scammed, disappointed for not receiving the item and left with no money for XXXX presents I am also facing this difficult battle to obtain my money back from my bank, Chime. It further saddens me to have my claim denied from Chime when I should be expecting the most support from especially when the amount is as little as {$110.00} that should be returned to me as Chime is backed by FDIC. I am now behind on multiple bills and desperately need this claim to be approved as it will help me greatly and return my faith in Chime. Please please return this money to me. Thank you very much. 

Attached to this email please find the police report, please email me if there is anything else needed from me. 

God bless. 

Chime denied the dispute

Company response to consumer: Closed with explanation