vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-01 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Subject : Request for Account Deletion and Blocking Due to Data Breach Pursuant to 15 USC 1681c-2 ( a ) Dear Equifax, I am writing to formally notify you that I am a victim of the recent data breach involving your company. As a result, I am requesting the immediate blocking and deletion of all accounts referenced in my credit report, in accordance with the provisions of 15 USC 1681c-2 ( a ). 

As per the law, this provision allows for the removal and blocking of any fraudulent accounts or information that is related to a breach of personal data. I ask that you take the necessary steps to ensure that all accounts connected to this breach are blocked, deleted, and reflected as such in my credit report. Please confirm the deletion and blocking of these accounts and provide me with a written acknowledgment once these actions have been completed. If you require any further information or documentation from me, I will be happy to assist promptly. Thank you for your attention to this matter, and I look forward to your swift response and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Subject : Request for Account Deletion and Blocking Due to Data Breach Pursuant to 15 USC 1681c-2 ( a ) Dear XXXX, I am writing to formally notify you that I am a victim of the recent data breach involving your company. As a result, I am requesting the immediate blocking and deletion of all accounts referenced in my credit report, in accordance with the provisions of 15 USC 1681c-2 ( a ). 

As per the law, this provision allows for the removal and blocking of any fraudulent accounts or information that is related to a breach of personal data. I ask that you take the necessary steps to ensure that all accounts connected to this breach are blocked, deleted, and reflected as such in my credit report. Please confirm the deletion and blocking of these accounts and provide me with a written acknowledgment once these actions have been completed. If you require any further information or documentation from me, I will be happy to assist promptly. Thank you for your attention to this matter, and I look forward to your swift response and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: KY

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.

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 2025-01-01 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: KY

Complaint narrative:
Good day!

I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Great American Finance Co
State: FL

Complaint narrative:
Great American Finance On the XXXX Report, the company states First delinquency was XX/XX/XXXX, and Charged-Off was XX/XX/XXXX. But my XXXX Report states First delinquency XX/XX/XXXX, and Charged-Off XX/XX/XXXX. This account hasn't been used since XXXX, so how am I delinquent in XXXX, 3 years later? I previously sent a letter via credit repair XXXX XXXX regarding the inaccuracy. 

XXXX This company is reporting XXXX accounts on XXXX and XXXX opened on different dates from XXXX and XXXX. They also stated that I made a payment of {$5.00} XX/XX/XXXX which is incorrect. They also stated that I had a balance of {$130.00} XX/XX/XXXX but they can not show me where I signed up for an account. I haven't had an account with them since XXXX. They are reporting multiple inaccuracies and I have disputed this ore than 3 times, and they are well over the 7 year mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I have an Apple Credit card with a balance of $ XXXXMy minimum payment due is {$110.00} per month. It is my choice to pay more on the minimum due balance or not. 
My due date is on the XXXX of each month. I made my last payment of {$110.00} on XX/XX/year>. On XX/XX/year>, I received a notification by Goldman Sachs Apple Card that I have been late for XXXX and XX/XX/year> for which Goldman Sachs Apple Card will be charging me a late interest because I have not been paying my monthly balance of my Apple Credit Card.

This is unthinkable! Goldman Sachs Apple Card has begun to scam their Apple Credit card customers as requiring both A MONTHLY ( ENTIRE ) BALANCE PAYMENT of the Apple Card and at the same time a MINIMUM PAYMENT due posted at the consumer 's account! I objected in a chat and stated that Goldman Sachs Apple Card is scamming consumers who pay the minimum due as stating that consumers did not paid the monthly balance which is the entire balance on the card.Goldman Sachs Apple Card wanted me to pay additionally a little more than {$82.00} as late interest. On the other hand, my monthly statements in XXXX and XX/XX/year> are stating differently that Goldman Sachs Apple Card had different amounts for monthly balance than the entire balance on the Apple Card, and therefore paying the requested minimum due amounts is what has been required not objected that the entire balance is monthly balance and must be paid to avoid interest late fee!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Unauthorized payment of {$4800.00} made through my Venmo account- on Friday XX/XX/24 XXXX EST. I was not in procession of my phone at the time. 

I've filed dispute with Venmo, but it was denied without the opportunity to submit evidence of footage of person in control of my phone and the police report. 

Venmo ( 3 different agents told me ) the amount will be on hold while under investigation, but they release the fund today - 4 days after without notifying me, citing the investigation has completed and denied my claim

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-01 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: TX

Complaint narrative:
company name, XXXX XXXX Account # XXXX DATE OPEN XX/XX/year>XXXX  I am writing to formally dispute an inaccurate late payment entry reported on my credit report/account for the billing cycle ending on ( XXXX ) ( XXXX ). This entry is Incorrect, and I am requesting an immediate investigation and correction in accordance with federal law. 
Under 15 USC 1666b ( a ) of the Truth in Lending Act, a creditor may not treat a payment as late unless it has reasonable procedures to ensure that each periodic statement is mailed or delivered to the consumer no later than 21 days before the payment due date. Based on my records : I request the following actions : 1. Conduct a thorough review of the alleged late payment.

2. Provide me with documentation proving compliance with the 21-day notice requirement for this billing cycle.

3. Correct the inaccurate information on my account and credit report.

Please consider this letter as a formal dispute under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. I expect a written response within the legally mandated timeframe. 
Thank you for your immediate attention to this matter. I have attached copies of relevant documents for your 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 2025-01-01 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: TX

Complaint narrative:
company name, XXXX XXXX Account # XXXX DATE OPEN XX/XX/year> I am writing to formally dispute an inaccurate late payment entry reported on my credit report/account for the billing cycle ending on ( XXXX ) ( XXXX ). This entry is Incorrect, and I am requesting an immediate investigation and correction in accordance with federal law. 
Under 15 USC 1666b ( a ) of the Truth in Lending Act, a creditor may not treat a payment as late unless it has reasonable procedures to ensure that each periodic statement is mailed or delivered to the consumer no later than 21 days before the payment due date. Based on my records : I request the following actions : 1. Conduct a thorough review of the alleged late payment.

2. Provide me with documentation proving compliance with the 21-day notice requirement for this billing cycle.

3. Correct the inaccurate information on my account and credit report. 
Please consider this letter as a formal dispute under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. I expect a written response within the legally mandated timeframe. 
Thank you for your immediate attention to this matter. I have attached copies of relevant documents for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I have received a well known error code when attempting to register an account on Equifax or receive my credit report from Equifax through XXXX XXXX XXXX and through other major credit reporters such as XXXX and XXXX. 

The Equifax error code is XXXX. I made a phone call to Equifax on XX/XX/. I was told my issue would be escalated and I would be contacted by their team to help resolve the issue. 

I did receive a case email from their team. The case number is Case # XXXX. 

My response was not helpful and asked me to register an account, which is the issue I was experiencing in the first place. This is the information I received : " Good Afternoon <My Name>, In reviewing your myEquifax account, it was discovered that your registration was incomplete. Please attempt to register again at my.equifax.com. You will be able to access your myEquifax account after registration is completed. If you experience any issues, please feel free to contact our consumer care department at XXXX between XXXX XXXX XXXX, 7 days per week. We sincerely apologize for any inconvenience this issue may have caused. 

Thank you for contacting Equifax, Equifax Consumer Care Team '' This has created an endless support loop in which the issue does not get resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: KY

Complaint narrative:
Subject : Dispute of Inaccurate Information on My Credit Report under FCRA 1681 ( c ) ( 2 ) To Whom It May Concern : I am writing to formally dispute inaccurate information that appears on my credit report. This dispute is filed under the protections afforded by the Fair Credit Reporting Act ( FCRA ), specifically Section 1681 ( c ) ( 2 ), which outlines my rights as a consumer to dispute inaccurate or incomplete information directly with the furnisher of the information and ensures that such disputes are properly investigated.

Additionally, I am invoking my rights under the following laws that further protect consumers from inaccurate credit reporting : 1. FCRA 1681 ( i ) : This section requires credit reporting agencies to conduct a reasonable investigation of any disputed information within 30 days of receiving a consumer 's dispute.

2. FCRA 1681 ( e ) : This section mandates that information reported about a consumer must be accurate and complete.

3. FCRA 1681 ( s ) : This section provides additional protections against identity theft, ensuring fraudulent accounts are removed promptly after proper verification.

4. The Fair Debt Collection Practices Act ( FDCPA ) : This act prohibits debt collectors from reporting false or misleading information to credit reporting agencies. 
Disputed Item Details : * Creditor/Furnisher Name : XXXX XXXX  * Account Number : XXXX * Date of Reported Issue : XX/XX/year> The following information is incorrect or incomplete : 1- date reported doesnt match 2- Closed date is incorrect 3- date opened doesnt match I have attached the following documents as evidence to support my dispute : 1. A copy of my credit report highlighting the disputed item ( s ) Pursuant to the FCRA and the above-mentioned laws, I respectfully request the following actions : 1. Investigate the disputed information with the furnisher of the data.

2. Correct or delete the inaccurate information if the investigation confirms its inaccuracy.

3. Provide me with the results of the investigation and a corrected copy of my credit report.

4. If applicable, provide me with the name, address, and telephone number of the furnisher contacted during the investigation. 
Please be advised that the FCRA mandates credit reporting agencies to complete investigations within 30 days of receiving a dispute. I expect a timely resolution to this matter. 

Thank you for your immediate attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: TX

Complaint narrative:
My Name was apart of the data breach. By right I have the right to make sure I have accurate information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: CBC Companies, Inc.
State: MA

Complaint narrative:
This is my second request disputing inaccurate information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), and Fair Debt Collection Practices Act ( FDCPA ), Truth in Lending Act ( TILA ) I am entitled to dispute fraudulent accounts and expect a prompt investigation. During the next fifteen days As a victim of identity theft, I request validation of the following accounts : Creditor : XXXX XXXX Account Number : XXXX Reason : This account is not mine ; I never received communication from the creditor. Verification proof has not been provided. 

Creditor : XXXX XXXX, Account XXXX : XXXX Reason : This is a fraudulent account. A police report has been filed. 

Other Accounts Reported in FTC Report and Police Report : XXXX XXXX XXXX Account Number : XXXX XXXX, Account Number : XXXX This issue has caused significant distress. I have reported it to the FTC, CFPB, and BBB for further assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I received 7 credit card denials for cards i didn't applied for, 1 card that was granted that I never applied, and 1 that asked for more info. 
I placed a fraud alert at XXXX and XXXX Denials : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX Accepted XXXX XXXX XXXX through XXXX XXXX XXXX Requested more info XXXX XX/XX/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 2025-01-01 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: MD

Complaint narrative:
In XX/XX/year> I tried to get health insurance for my son. I signed up and paid $ XXXX for XXXX year of coverage. Once I found out the coverage and the local doctors I could use was not adequate, I cancelled within the 3 days. This is not disputed. I have vocal and written evidence for this. I was told they would send me a refund. Months went by and no refund. I called, many time no answers. I finally got through to an operator there and got the email address. The reason my money wasnt return was because the guy doing the refunds got XXXX and they will try to get on it. I write an email. To XXXX XXXX, who writes back, that he is new to the job and he is way behind but he will get to it. 

Still waiting. I call Apple/Goldman Sacks card company and complained that this is probably a fraud and I would like a refund. I sent them the name of the persons name and phone number that cancelled me along with the email from XXXX XXXX, saying he will get to it. They closed the dispute and refused to accept my story. BTW I have submitted this with Goldman at least approx XXXX times with the last one which I sent the letterhead of the health insurance company ( XXXX XXXX XXXX stating that I cancelled and never received services and they will not fight the dispute for the refund. I also have a vocal conversation with the business office of XXXX XXXX stating off of this which Goldman will not accept. At this time the problem isnt XXXX XXXX but is Goldman. The are saying that the letter could be a fraud, so they are not trusting me! The letterhead does not have XXXX XXXX but something else because they changed their accounting firm which is complicating this, but its obvious that Goldman will not pick up the phone and call them. Please help me. Im retired and {$3400.00} is a lot for me. Thanks

Company response to consumer: Closed with monetary relief