vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
On or about XX/XX/XXXX opened a CD account with Marcus CD a subsidiary of Marcus Goldman Sachs via phone. I deposited money from my XXXX XXXX XXXX account via ACH transfer within several hours they received the money and on XX/XX/XXXX a CD was opened which would mature on XX/XX/XXXX. 
In XX/XX/XXXX I chose the option to release the money and transfer it back to the same account upon maturity on XX/XX/XXXX. They said the money is usually deposited within 24hrs, Its been over a week, they have not released the money yet, and they keep giving me the run around saying the money has been transferred. I keep asking them for transaction verification, my bank has not received the money yet and I am still waiting. I have had numerous conversations with them with customer service and their supervisors and still to not have the money there are numerous complaints online and I would like to document my complaint and see if CFPB can look into this bank and its handling of these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear CFPB, I am reaching out to express my concerns regarding inaccuracies in my consumer report maintained by CFPB, which are adversely affecting my ability to move forward financially. These inaccuracies are not only a misrepresentation of my financial standing but also potentially violate consumer reporting and privacy laws. 

Under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), consumer reporting agencies are obligated to ensure the accuracy and fairness of the information in their reports, given its significant impact on consumers lives. This law provides me with the right to dispute inaccurate information in my report and requires that such disputes be investigated and corrected or removed promptly. 

Moreover, the FCRA outlines consumers rights to be informed of any adverse action taken against them based on their consumer report, including the specific details and sources of the information that led to the adverse action. This is critical for consumers like myself, who are hindered by inaccuracies from engaging in financial opportunities, securing loans, or obtaining reasonable interest rates. 

Given these concerns, I hereby request : XXXX. An immediate, detailed disclosure of all information CFPB holds about me, as is my right under the FCRA. 
XXXX. A prompt investigation into the inaccuracies I have identified within my consumer report, particularly those negatively impacting my financial opportunities. 
XXXX. The correction of inaccuracies or the removal of any information that can not be verified as accurate, in compliance with the FCRA. 
XXXX. Removal of any information obtained or processed in violation of my privacy rights or applicable laws. 
XXXX. Written confirmation of the steps CFPB has taken to address my concerns, including a detailed account of any information corrected or removed from my report. 

It is essential that CFPB takes immediate action to correct these inaccuracies to not only comply with legal obligations but to also mitigate the significant impact these errors have on my financial well-being. The FCRA mandates that consumer reporting agencies must complete an investigation of disputed information within 30 days, ensuring timely corrections are made. 

I appreciate your prompt attention to this critical matter and expect a response within the legal timeframe specified by the FCRA. Failure to adequately address these issues may compel me to seek further legal remedies to protect my interests and ensure compliance with consumer protection laws. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: TX

Complaint narrative:
Dear CFPB, I am reaching out to express my concerns regarding inaccuracies in my consumer report maintained by CFPB, which are adversely affecting my ability to move forward financially. These inaccuracies are not only a misrepresentation of my financial standing but also potentially violate consumer reporting and privacy laws. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), consumer reporting agencies are obligated to ensure the accuracy and fairness of the information in their reports, given its significant impact on consumers lives. This law provides me with the right to dispute inaccurate information in my report and requires that such disputes be investigated and corrected or removed promptly. 

Moreover, the FCRA outlines consumers rights to be informed of any adverse action taken against them based on their consumer report, including the specific details and sources of the information that led to the adverse action. This is critical for consumers like myself, who are hindered by inaccuracies from engaging in financial opportunities, securing loans, or obtaining reasonable interest rates. 

Given these concerns, I hereby request : 1. An immediate, detailed disclosure of all information CFPB holds about me, as is my right under the FCRA. 
2. A prompt investigation into the inaccuracies I have identified within my consumer report, particularly those negatively impacting my financial opportunities. 
3. The correction of inaccuracies or the removal of any information that can not be verified as accurate, in compliance with the FCRA. 
4. Removal of any information obtained or processed in violation of my privacy rights or applicable laws. 
5. Written confirmation of the steps CFPB has taken to address my concerns, including a detailed account of any information corrected or removed from my report. 

It is essential that CFPB takes immediate action to correct these inaccuracies to not only comply with legal obligations but to also mitigate the significant impact these errors have on my financial well-being. The FCRA mandates that consumer reporting agencies must complete an investigation of disputed information within 30 days, ensuring timely corrections are made. 

I appreciate your prompt attention to this critical matter and expect a response within the legal timeframe specified by the FCRA. Failure to adequately address these issues may compel me to seek further legal remedies to protect my interests and ensure compliance with consumer protection laws. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: Army and Air Force Exchange Service
State: TX

Complaint narrative:
The credit reporting agency we are dealing with is XXXX. The furnisher company is Army & Air Force Exchange SVC. ( " AAFES/Military Star '' ). This account has recently been officially closed. XXXX. Nevertheless, the incorrect data is still being reported on my credit report last XXXX : XXXX. 

I noticed that my previous credit report displayed payments and dates from XXXX to the present, but this information has disappeared, and the XXXX XXXX XXXX now only reports payments from XXXX to the present. I have disputed this incorrect information with XXXX multiple times, but they have refused to take any action to fix the problem. 

I respectfully ask CFPB Consumer Financial Protection Bureau XXXX, to kindly answer the XXXX questions below, which are in the public interest as they impact every consumer. Getting credit restored is a process and consumers deserve the benefit of timely payments being reported, even those involving past-due accounts. 

QUESTION # XXXX When a consumer becomes delinquent on an open account with a creditor, and the creditor turns the account over to a collection agency, at what period does a consumer have to be delinquent? Is it 90 days or 120 days before an account is turned over to a collection agency? 

QUESTION # XXXX At what period does the clock start to run, concerning the XXXX years, once a consumer becomes delinquent and their account is placed in the collection department? 

QUESTION # XXXX Is a collection agency, furnisher, or creditors collection department, required to report to the CRA XXXX all payments made on the delinquent account, as agreed, and is the CRA XXXX then required to list such payments on the credit report, or are the furnisher, creditor 's department or collection agencies exempt from reporting progress on this account? 

According to XXXX XXXX XXXX ( b ), whenever a consumer reporting agency prepares a consumer report, they should follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual to whom the report relates. ( Pub.L. XXXX, XXXX VI, XXXX, as added Pub.L. XXXX, XXXX VI, XXXX, XX/XX/XXXX, XXXX XXXX. XXXX ). 

Fair Credit Reporting Act, as stated by XXXX, is to ensure fair, accurate, and XXXX XXXX XXXX. XXXX U.S.C.A. XXXX. Under XXXX XXXX XXXX of the Federal Trade Commission, " the deletion of information, which is found to be inaccurate, incomplete, or not current or could no longer be verified. '' respectfully Submitted.

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 2024-03-08 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: IL

Complaint narrative:
Please remove the unauthorized accounts from my credit report as soon as possible. I did not initiate or authorize these accounts, and I have no knowledge of their origins. According to USC 1681g, I am requesting their removal within the next 15 days. Attached are the relevant documents for your review and reference.

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 2024-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Given my consistent track record of meeting payment deadlines for this account without any delays, it's unjustifiable for me to face such issues. I kindly request the prompt updating of my account to accurately reflect this history.

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 2024-03-08 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: IL

Complaint narrative:
The presence of this account has caused me considerable distress, to the extent that it is affecting my ability to sleep. I have provided all the necessary documentation for its removal, and I sincerely implore you to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC
State: MD

Complaint narrative:
On XX/XX/year> escrow analysis completed and surplus refund was supposed to be issued that same week. Called Flagstar to inquire. Was mocked and supervisor and representative refused to issue another check. As of XX/XX/year>, I have not received refund and I can not get a reasonable explanation or reasonable outcome

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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: MO

Complaint narrative:
XXXX ( whoever they are ) has a {$500.00} collection debt billed to me in error. I still have active service with this company. I cancelled their television services and returned their equipment. Because I was working my daughter XXXX is authorized on the account so I asked her to contact them on my behalf and they admit the debt was an error and would be removed. I dipute the debt with XXXX, the debt is now with Credit Collection Services. XXXX claims to have validated the debt. I want to know how XXXX  is validating these false debts. What information was obtained that caused them to say the debt was valid because it absolutely is NOT and I have attached my conversation with this XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: IL

Complaint narrative:
I have reviewed my credit report and found inaccurate information. I request that you help me dispute these inaccurate information I have included in the letter I attach to this complaint. The letter contains my intention to investigate each items and how I would like them to conduct investigation and provide me proof how they look into these accounts in error listed on my credit report. I have also attached my credit report for your reference to investigate. 

I have filed an FTC report with report number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: Self Financial Inc.
State: LA

Complaint narrative:
I am disputing the Self Financial/Lead XXXX account on my credit report as fraudulently opened without my authorization. I have no knowledge of or association with this account. Please investigate this matter immediately and remove this fraudulent account from my credit report. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: GA

Complaint narrative:
I made XXXX payments in XXXX to get my account paid in full. The first payment was on XX/XX/24 for {$140.00} and the second payment on XX/XX/24 for {$840.00}. The due date for the payments is the XXXX of every month. I was still reported to the credit bureau as late for XXXX although XXXX payments were made and my account has a XXXX balance.

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 2024-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: AZ

Complaint narrative:
The car was totaled in a car accident. XXXX XXXX paid over {$9600.00} I haze gap insurance that should pay the rest. 

Howver Exeter finance is showing my amount being delinquent on my credit report. Amount should be marked as closed paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Fundo LLC
State: MI

Complaint narrative:
I provided a written request on XX/XX/2024 for Fundo LLC to stop ACH withdrawals from my previous bank account as I change banks. They responded and acknowledged my request. Despite this they are still taking payments from this old account causing overdraft fees, and they are not stopping the ACH.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: NJ

Complaint narrative:
XXXX has failed to provide me with the original contracts from the following companies listed on this report below. They have failed to remove inaccurate information on my report such as address and phone numbers that I am not associated with. They tell me my accounts were verified however they never even sent me confirmation of the verification. These XXXX accounts is listed on XXXX XXXXXXXX XXXX Account # XXXX This account is reporting closed but status is stating 120 days late XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  XXXX account # XXXX XXXX is reporting an address of XXXX XXXX XXXX XXXX that is not my address My updated address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Reporting wrong balance and late payment

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 2024-03-08 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: NJ

Complaint narrative:
XXXX has failed to provide me with the original contracts from the following companies listed on this report below. They have failed to remove inaccurate information on my report such as address and phone numbers that I am not associated with. They tell me my accounts were verified however they never even sent me confirmation of the verification. These XXXX accounts is listed on XXXX XXXXXXXX XXXX  Account # XXXX This account is reporting closed but status is stating 120 days late XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  XXXX account # XXXX XXXX is reporting an address of XXXX XXXX XXXX XXXX that is not my address My updated address is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX Reporting wrong balance and late payment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
credit acceptance gave me an interest rate of 29.9999 %. they would take double payments in XXXX month, would not work with me if i missed a payment which i never did. wouldnt refiance my vehicle to make interest n payment lower. said i owed more money than what i acutally did when i traded in my vehicle to get out of loan. horrible company.terrible customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify 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 non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify 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 2024-03-08 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: IL

Complaint narrative:
The presence of this account has caused me considerable distress, to the extent that it is affecting my ability to sleep. I have provided all the necessary documentation for its removal, and I sincerely implore you to remove it from my credit report.

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 2024-03-08 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: IL

Complaint narrative:
The presence of this account has caused me considerable distress, to the extent that it is affecting my ability to sleep. I have provided all the necessary documentation for its removal, and I sincerely implore you to remove it from my credit report.

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 2024-03-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
Hello my name is XXXX XXXX I have a auto loan with American Credit Acceptance back in XXXX and it was repossessed and dropped my credit score and is still on my credit report after the came and got the car and sold it I was told by the company to pay XXXX $ dollars in order to get the car back but I didnt have that kind of money back then so I just let them keep the car now Im unable to get get any car from a car lot because I have a repossession on my credit report

Company response to consumer: Closed with explanation