vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-18 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: GA

Complaint narrative:
I have recently within the past two or three months disputed this information FROM XXXX XXXX ACCOUNT # XXXX that popped out of nowhere, as not being mine and not belonging to me. Also to add this account seems to be a corporate account which is not mines and is reporting in my personal consumer credit file. I have contacted XXXX and Experian in regards to this fraudulent account and they are clearly in violation of my rights and FCRA for reporting this fraudulent information in my consumer credit file. It is not reporting in my XXXX file because when contacted them they clearly understood that this account was not mines and removed it immediately. This is causing me Great personal harm and making it extremely hard for me to obtain any type of new credit in my name.

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 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Community Cash Management Corp.
State: ME

Complaint narrative:
Company involved Marcam Associates XXXX  XXXX XXXX  I have a debt with XXXX XXXX XXXX.of {$2200.00} I did not notice the bills arriving as I had to go back in to the hospital after my intial medical problem The bill was not paid because I overlooked it..XXXX  XXXX sent it to collection.ended up with Marcam assosiates After all this happened I made a deal with XXXX XXXX to Pay {$100.00} a month on my payment plan I they would take the bill out of collection They agreed Marcam Associates says it is still in collection with them This is incorrect and some credit reporting agencies have already removed the collection but not Marcam. I want the bill removed from Marcams collection Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I applied for a home equity loan from a bank. Apparently they checked my credit with Equifax who shared it with multiple lenders across the country. I have received 10 calls this morning from lenders asking for information about me and my personal needs. What right does this credit reporting bureau have in sharing my information with anyone without my consent? I consider this a violation of my right to privacy. I can understand the purpose of inquiring about credit rating however I do not see why my application for a loan needs to be shared with anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I have been trying to use my Apple Card provided by Goldman Sachs for two weeks and its been blocked for fraud. I was told twice that all the flags were cleared and I could use my card again. 

I have spoken to 15 different agents and I still can't use my card. The last two agents XXXX XXXX and XXXX XXXX both lied and stated that they could help but all they could do is provide case numbers for someone who could help would call me back. No one is calling me back and I am still not able use my card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: MD

Complaint narrative:
I disputed a transaction on XX/XX/XXXX to Netspend, for an owed refund. I gave the company vial information and explained that I was trying to get a cash advance from the merchant but was told there was not enough money available for the transaction. I had already swiped my card as if the transaction was going to be completed. I was told by the merchant a refund be given in XXXX business days. When the refund was not received I disputed the charge. On XX/XX/XXXX I was told my dispute was denied and no error was found. Netspend sent my a copy of the receipt the merchant sent to them and it was fraudulent. I told this to the Netspend and was to there was nothing they could do. So Ive tried multiple times to speak with the dispute analysis, supervisors, etc and no help was given. I feel unsafe to have money at this company because if they allow anyone to just take my funds with little to no help to retrieve it, what good can you be to keeping my funds safe.

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 2024-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XXXX XXXX I didn't authorize XXXX XXXX XXXX to run my credit and cause a hard pull. I contacted the XXXX  and left a complaint. I also contacted XXXX directly and was told I would have to contact Transunion to have the hard pull remove because there was nothing they could do on there end. I contacted Transunion on XX/XX/year> by phone about this unauthorized hard pull and in addition was told I would have to mail a letter, which I did on XXXX XXXX. I still don't have an update or resolution to this urgent problem.

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 2024-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
XX/XX/XXXX : I wrote final check on checking account bringing balances in both savings and checking accounts to XXXX  ( # XXXX XXXX & XXXX ). I personally visited my home branch and told the platform officer to closed my accounts PLUS my credit card as I no longer am doing business with PNC. I listed the XXXX accounts and handed them to the officer. I tore up my debit and credit cards. There was no further activity on my end as to any checks drawn, cash withdrawn, auto-pay, bill pay etc etc etc, nothing. 
In XX/XX/XXXX I received a letter from PNC that an overdraft had occurred and the credit card was being used for a cash advance to cover such. Firstly, my accounts were never closed by PNC leading to this situation. Secondly, I NEVER authorized my credit card to be used ( or linked ) to either my savings or checking accounts. 
I called the XXXX # and inquired as to why the accounts were still open and what the overdraft was about. I was advised they had no record of the account closure being made. I restated my desire to close the accounts and several days latter received a letter of such. 
Several more days and I received another credit statement with an open balance and due date to pay. I then called the credit card XXXX # to question the statement and received no explanation ; only that the charges were " valid ''. 
I good faith I went to the branch again to attempt resolution. The officer printed activity reports showing XXXX balances in XXXX and the overdraft activity in XXXX. It was decided to send PNC corporate an " official inquiry ''. 
Several days later I received a call from PNC corporate ( XXXX ; XXXX ) who then looked into the matter. 
Several days passed and she called saying " the branch could not confirm any promises made to close the accounts ''. Clearly double-speak that the branch had failed to follow my instructions. Further, XXXX refused to close the accounts at that point when she was obligated to. Frustrated, I then questioned why my credit card was used for overdraft without authorization or permission and she said she would have to investigate further, but that the account was now delinquent. I strongly objected saying it was NOT delinquent because it should have been closed and more so was done without authorization. 
XXXX said the investigation would take another 30-45 days. She also refused to freeze the account till then. 
Please intercede!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 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: TX

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SOFI TECHNOLOGIES, INC.
State: CO

Complaint narrative:
I took out a personal loan of {$40000.00} from SoFi that is supposedly a fixed XXXX XXXX XXXX and the balance owed continues to grow rather than decreasing. My payment is {$1300.00} and I am paying {$1500.00} to try to decrease term of the loan ( without penalties ). Granted, I am only two months in to payments, but I don't understand how the a fixed rate loan 's balance owed increases in between payments. I have contacted them via chat only, and not via phone due to long wait times. The chat did confirm that I have a fixed interest rate but that it accumulates interest daily and that is why the balance owed increases daily. I feel like this is false advertising/ not truthful lending practices and that I would not have agreed to the terms if I knew the amount will continuously grow rather than pay down. The truth in lending is not outlining that the remaining balance grows. I searched for a personal loan over a credit card or line of credit so I could pay down my debt, not accumulate more debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 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: I.C. System, Inc.
State: IN

Complaint narrative:
Moving forward I would like you to stop reporting to all credit reporting agencies that I owe any amount to your company. Remove all false debts from my reports ASAP. I would also like your company to mail me via postal mail. All the changes have been made or attempted to be made within 10 days of this complaint. I demand to be compensated as well for pain and suffering.

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 2024-03-18 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: PA

Complaint narrative:
I bought gift card from XXXX XXXX XXXX XXXX  gift card using my American Express Card. The card was never activated. Receipt from XXXXXXXX XXXX that " proves '' it was activated does not show card being activated. Amex and Merchant refuse to engage, stating the case is now closed. Item was never useable, XXXXXXXX XXXX  is committing fraud. I am out {$250.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AZ

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
Consumer complaint received 2024-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of identity theft. Please see the attached documents relating to this case and completed identity theft affidavit. Also, please refrain from reporting and block all information resulting from this case pursuant to FRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt

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 2024-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/XXXX I noticed two with drawl from XX/XX/XXXX at a bofa in XXXX XXXX XXXX One withdrawal is for XXXX XXXXXXXX and then a second withdrawal of {$4600.00} at two different bank locations I live in XXXX XXXX XXXX XXXX and was not in the city at that date. I filed a fraud complaint with bofa on XX/XX/XXXX. I received an email from them on XX/XX/XXXX stating that the research is completed. " After reviewing the claim we determined that I received the benefit of the funds ''. I went to my local branch with this letter and the senior branch manager also said this is not an answer. Not one person from the investigation of the fraud contacted me. Each time I contacted the fraud department they said that they were getting the video to see took the money out. No one has ever called to ask what I look like! I know that someone went into the bank to with draw the money because the transaction is listed in the section called withdrawals not atm withdrawals, nor in the section of checks. On XX/XX/XXXX I went to the XXXX XXXX XXXX to file a theft report and they recommended that I contact this organization. I keep calling bofa to get more information but iI am no getting any information. I would like someone to talk to me who handled the complaint investigation. I would like my {$8900.00} back in 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 monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
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 2024-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Collins Asset Group, LLC
State: PA

Complaint narrative:
On XXXX XXXX I was notified by Collins Asset Group, represented by XXXX XXXX XXXX, that they had filed a lawsuit against me concerning a debt that is more than 2 years past the statute of limitations in my state. 
Disputed Debt : The debt in question is one that I have long disputed, and its validity has been under question for several years. I have repeatedly requested validation of this debt from Collins Asset Group and have not received satisfactory evidence supporting its legitimacy. 

Statute of Limitations : It is important to note that the statute of limitations for pursuing legal action on this debt has expired more than two years ago, according to the laws of PA Despite this, Collins Asset Group, along with XXXX XXXX XXXX, have proceeded with legal action against me, which I find highly concerning and potentially in violation of consumer protection laws. 
Unfair Practices : I believe that the actions of Collins Asset Group and XXXX XXXX XXXX constitute unfair and deceptive debt collection practices. Pursuing legal action on a time-barred debt not only violates my rights as a consumer but also undermines the integrity of debt collection laws designed to protect individuals from harassment and unjust actions. 

In the Documents I uploaded you can see that the date the Lawsuit was filed was XX/XX/XXXX and the alleged date of last payment was XX/XX/XXXX making the time elapsed to be 5 years Seven Months and 5 days which is well past the statute of limitations It is also important to note that I successfully defended myself in this matter and I was awarded Judgement in my behalf

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX  Account 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