vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
I closed my Barclays Mastercard Account in XXXX of XXXX. In XXXX of XXXX, in accordance with the autopayment the account was paid in full. I sold my home associated with the billing address in XXXX of XXXX. 3 1/2 year later, a charge from XXXX XXXX appeared on or around XX/XX/XXXX, for {$20.00}. I did not authorize this charge as the account had been closed for 3 1/2 years. Bills were sent to the address associated with the closed account. After 6 months, Barclays charged off the card and show my credit as the fault. This is fraud. I contacted Barclays about this when I viewed my credit report in XX/XX/XXXX. They saw the discrepancy and asked me to submit information in writing. I did. They have taken no action and this is fraud and is unfairly hurting my credit rating. The account in question is XXXX. XXXX recommended I report this to you. I am also going to file a police 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 2024-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: MN

Complaint narrative:
On XX/XX/XXXX I purchased concert tickets via XXXX to a XXXX XXXX show on XX/XX/XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. The event was first rescheduled to XX/XX/XXXX because of a blizzard, but then was completely canceled, because the venue burned down ( which was not communicated until XX/XX/XXXX ). The refund took a year to be send out, with an email send to me on XX/XX/XXXX. However, the refund never arrived. I contacted XXXX with not luck, the venue without any help, and Goldman Sachs, the credit card company who operates my Apple Card. I tried over months to reason with Apple Card/Goldman Sachs , that I should receive my refund. Twice they told me since I was refunded, they would not help me. I asked them to offer me proof of the refund in my account, as that should be easy, but they failed to do so. An email is not refunding the actual value to my credit card, which should be showing somewhere, but there is nothing on my account. This financial institution is taking my money illegally and I would like this resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-11 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:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

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 2024-07-11 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 kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

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 2024-07-12 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: IN

Complaint narrative:
I am writing to express my deep concern regarding the disputed accounts on my credit report. Despite my repeated efforts to raise the issue of inaccuracies and request thorough investigations, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. 

Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Central Portfolio Control Inc.
State: CO

Complaint narrative:
I receive 5-10 phone calls from a company called Central Porfolio Control the agents are different each time. They would like me to verify personal information over the phone and they will notify me of a debt owed. I pay alll of my bills on time and do not have missed payments on my credit. I have checked my credit and all payments are done in timely manner and I am aware of who I owe. I asked them several times to stop calling or verify the said " debt '' they have, I also asked them to send a letter to my address they state they have on file. I have not recieved a letter from this company showing the " debt '' I owe them. They continue to call several times a day harrassing me they have become incredibly rude and hang up on me when I ask them to remove my information from their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: FL

Complaint narrative:
I am Contacting a Transunion to remove the Unauthorized inquiry Please remove the unauthorized Inquiry off of my report dated XX/XX/year>. The inquiry is a XXXX XXXX XXXXXXXX inquiry Transunion is still reporting, inquiry needs to be removed immediately it's not connected or associated to any of the accounts listed on my report. I do not want Transunion to do a security freeze or add a fraud alert without my permission. I have Ftc report and supporting documentation below to show proof of unauthorized inquiry This is a update ftc report that has letter head and FTC report number

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 2024-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Back in XXXX of XXXX, I went to a Wells Fargo branch, in XXXX XXXX XXXX to take my name off a Savings account. 

Five years forward in XXXX, I thought I transferred money in my checking account to cover purchases and bills yet the overdraft fees and funds came from the account, I took my name off of five years prior. 

In XXXX of XXXX, I was told I owed the money or had to return the money to the savings account because I was at fault, although, I made a complaint to Wells Fargo back in XXXX of XXXX that I was supposed to have been removed from the account. 

In XXXX of XXXX, the person who is still named on the account, filed a complaint against me or my account as the account owner and over 30 days later, I had to still pay money back to the person although I was removed 5 years ago. 

I have asked Wells Fargo to make it make sense. I removed my name from the account, why or how was I still on the account, also, if there is a 30 day grace period why was the account holder given money from my account without my knowledge. I practice due diligence by removing my name from the Savings account and I did not have visibility, access or received statements from the account. 

Wells Fargo has stated they had every right to take the money from my account without notifying me, and I had to return the money. This seems so unfair because I did what I needed to do as the consumer. Also, if the 30 day grace period was past, how was the Savings account owner still given the money from my account? Wells Fargo should take accountability of their mistake

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 2024-07-11 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:
I have no public records linked to my credit report, and this discovery is unacceptable. I urgently request that you remove these entries to alleviate the significant XXXX and distress they are causing me.

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 2024-07-11 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 no public records linked to my credit report, and this discovery is unacceptable. I urgently request that you remove these entries to alleviate the significant XXXX and distress they are causing me.

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 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
In 2020, my debit card and cellphone were stolen and the suspect attempted to make fraudulent transactions and perform an account takeover which prompted XXXX XXXX XXXX XXXX to close my account. I realized I was not able to log in the app one morning and when I called into customer care, the representative asked me what my last transaction was. When I confirmed the last one I remember, she said that it was incorrect and that my account will be closed and Ill never be able to join XXXX again. I never got a chance to even see what the suspect had done to my account except one email about a suspicious check on XX/XX/year> which I contacted them immediately after seeing it. All of my other emails from XXXX have never been anything about suspicious activity or mishandling my account like they claim. None of my statements were questionable and I had a remarkable standing. They refuse to complete a thorough investigation or inform me of what happened with my account. XXXX did nothing to protect me or secure my account upon me reaching out to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: NY

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2024-07-11 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

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. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX, and I earnestly hope for a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

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. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX, and I earnestly hope for a swift resolution.

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 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AZ

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. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX, and I earnestly hope for a swift resolution.

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 2024-07-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IL

Complaint narrative:
Have attempted to reach out to the online portal for months but there are always issues with the website. Phone support can not interact or assist with most problems. Unable to see past payments, unable to get a record of past payments made, unable to get a justification for loan and true amounts left. Still being charged interest on loans that had previously been paid off. Have requested that Mohela temporarily freezes account and stops interest accrual while they work out accounting errors. No progress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: NJ

Complaint narrative:
Experian is in violation of Deprivation of Rights Under XXXX of Law and Ethical Breaches. These actions have resulted in the deprivation of constitutional rights of survivors of human trafficking, in violation of Title 18 U.S.C. 242. I have an advocate from XXXX XXXX XXXX who has assisted my affairs as a victim of XXXX XXXX. Experian has not abided by the laws and regulations set in place under 605C. I am requesting an investigation on this matter as soon as possible and for my file to be blocked in the time permitted under the 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 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/year> I submitted a dispute with Transunion XXXX XXXX XXXX to investigate their deceptive practices when furnishing information on my consumer credit report. Transunion XXXX XXXX XXXX conducted a so called investigation for accuracy instead of my initial request on proper federal procedure pursuant to FCRA. The company responded XX/XX/year> and chose to continue with The communications on my consumer credit report. Federal FCRA laws the company claims to abide arent being followed violating me the consumer with no regards to its affect it has on my family. I responded by asking the company to cease and desist all communications furnished on my consumer report and to not communicate further with any future creditors I may create relations with. I requested a copy of all deleted communications currently being furnished to assure that my request is respected.

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 2024-07-11 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: NJ

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX IS XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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