vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Kriya Capital, LLC
State: TN

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I didnt participate in any of it. They also didnt follow the proper 5 step validation procedure which makes this unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 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: DC

Complaint narrative:
I noticed billing discrepancies on my credit report, specifically late payments that aren't in line with my normal record. Kindly correct these errors and update 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 2024-10-24 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 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: GA

Complaint narrative:
I XXXX XXXX XXXX last XXXX of ss # XXXX XXXXXXXX XXXX Account Number : XXXX Date fraud began : Date that I discovered it : Total fraudulent amount : XX/XX/XXXX XX/XX/XXXX {$260.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX, XXXX Account Number : XXXX  Date fraud began : Date that I discovered it : XX/XX/XXXX XX/XX/XXXX Total fraudulent amount : {$120.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/XXXX XX/XX/XXXX Total fraudulent amount : {$720.00} Credit Card Opened by the Thief XXXX XXXX XXXX XXXX XXXX XXXX XXXX IDTheftReport Company or Organization : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Date fraud began : Date that I discovered it : Total fraudulent amount : XX/XX/XXXX XX/XX/XXXX {$730.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : Date that I discovered it : Total fraudulent amount : XX/XX/XXXX XX/XX/XXXX {$430.00} i am disputing the following information on my XXXX, Transunion , and XXXX credit report as it in inaccurate and negatively affecting my credit standing. The reported item from the following creditors with the account numbers located above is incorrect due to the identify theft. I did not authorize this account, nor do i owe the claimed amount. This error is causing unnecessary damage to my credit score, which is impacting my financial well being. I am requesting under FCRA 605B ( 15 USC 1681c-2 ) that this inaccurate information be investigated and removed from my credit fi le. I have attached supporting documentation such as my photo ID and proof of address, to verify me and ensure this matter is resolved promptly. I appreciate your immediately attention to this issue and request that i be informed of the outcome of your investigation ASAP.

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 2024-10-24 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: GA

Complaint narrative:
I XXXX XXXX XXXX last XXXX of ss # XXXX XXXXXXXX XXXXXXXX Account Number : XXXX Date fraud began : Date that I discovered it : Total fraudulent amount : XX/XX/XXXX XX/XX/XXXX {$260.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX, XXXX Account Number : XXXX  Date fraud began : Date that I discovered it : XX/XX/XXXX XX/XX/XXXX Total fraudulent amount : {$120.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX  Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/XXXX XX/XX/XXXX Total fraudulent amount : {$720.00} Credit Card Opened by the Thief XXXX XXXX XXXX XXXX XXXX XXXX XXXX IDTheftReport Company or Organization : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date fraud began : Date that I discovered it : Total fraudulent amount : XX/XX/XXXX XX/XX/XXXX {$730.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : Date that I discovered it : Total fraudulent amount : XX/XX/XXXX XX/XX/XXXX {$430.00} i am disputing the following information on my XXXX, XXXX , and Experian credit report as it in inaccurate and negatively affecting my credit standing. The reported item from the following creditors with the account numbers located above is incorrect due to the identify theft. I did not authorize this account, nor do i owe the claimed amount. This error is causing unnecessary damage to my credit score, which is impacting my financial well being. I am requesting under FCRA 605B ( 15 USC 1681c-2 ) that this inaccurate information be investigated and removed from my credit fi le. I have attached supporting documentation such as my photo ID and proof of address, to verify me and ensure this matter is resolved promptly. I appreciate your immediately attention to this issue and request that i be informed of the outcome of your investigation ASAP.

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 2024-10-24 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: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XX/XX/year> The following inquiry was not authorized and should not be reporting. 
XXXX XXXXXX/XX/year> The following inquiry was not authorized and should not be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: Indie Technology DBA Found
State: GA

Complaint narrative:
My account was negative XXXX I filed a dispute because I knew I didn't owe the consumer NOTHING!!! I WON MY DISPUTE AND THE CONSUMER SENT THE MONEY BACK TO MY FOUND BANK ACCOUNT THEY CREDITED TO THE NEGATIVE BALANCE LIKE I OWED THEM AFTER I WON MY DISPUTE AND I NEVER OWED NEITHER PARTY... SO BASICALLY THEY TOOK XXXX PLUS XXXX EXTRA DOLLARS ... THAT THE CONSUMER SAY THEY NEVER RECEIVED...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: CA

Complaint narrative:
These attached accounts have been disputed XXXX and this has yet to be resolved, please resolve this matter. 


XXXX XXXX - XXXX XXXX account is positive and has been disputed multiple times. Equifax has yet to update. 
XXXX  XXXX - XXXX account was opened XX/XX/XXXX, this account is well over 7 years reporting this is a violation. 
XXXX XXXX - XXXX Account legally paid in full for less than the full balance. Account legally paid in full for less than the full balance. 
XXXX XXXX - XXXX account was opened XX/XX/XXXX, this account is well over 7 years reporting this is a violation. 
XXXX XXXX - XXXX well over 7 years reporting. 
XXXX - XXXX Account reporting well over 7 years. 
XXXX - XXXX account reporting inaccurate. 
XXXX - XXXX reporting inaccurate. 
The following inquiries : These inquiries are unknown and have been disputed multiple times, XXXX XXXXXXXX XXXX  XXXX unknown XXXX unknown

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BEACON FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX, I opened both a checking account and a savings account with Berkshire Bank. I deposited {$9900.00} into the checking account and {$5900.00} into the savings account. These accounts were successfully funded, as the original payments were charged to my external bank account at XXXX ( XXXX XXXX ). 

However, when I attempted to initiate an external transfer from my Berkshire checking account to my XXXX checking account, as well as to pay my XXXX credit card, the transfers failed. Berkshire Bank did not notify me that these transfers were intercepted, nor did they inform me that I do not have full access to the funds in my accounts. Instead, I was notified by XXXX that the transfer and credit card payment were returned. 

Additionally, when I contacted Berkshire Bank regarding the issue, I was informed of the following : As the account holder, I currently do not have access to withdraw funds from either of my accounts. 
No timeline has been provided for resolving this issue, and there has been a lack of willingness to collaborate on a solution. 
I have not been given contact information for the department or personnel handling my case. 
Both the customer service representative and the manager I spoke with were unable to provide me with a reference or case number for follow-up, suggesting possible mishandling by Berkshire Bank XXXX 
Given that the total amount involved exceeds {$10000.00} ( {$9900.00} from the checking account and {$5900.00} from the savings account ), I request the immediate release of my funds. Please address this matter promptly, as the current lack of access to my own money is unacceptable.

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 2024-10-24 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: FL

Complaint narrative:
XXXX has removed XXXX auto account and XXXX. XXXX has removed XXXX XXXX and XXXX due to inaccurate and unverifiable information, I demand deletion due to the inaccuracies and unverified information.

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 2024-10-24 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
In your letter sent from your company via CFPB your company talks about selling this debt to a third party company by federal law three privacy disclosures are required. The Federal trade Commission ( FTC ) more specifically the GrammLeachBliley Act 15 usc 6802 obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( That is one disclosure ; here are the other two from the same section of this law. ) ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Your company did not disclose this information to me that is required by federal law. Your company knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non-affiliated third parties. Your company knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option. In your letter in this case your company is quoted saying your company sold the debt to XXXX XXXX XXXX that is misleading because the fair credit reporting act says otherwise, I just showed you that you can not share my nonpublic personal information with a third party company. 

15 U.S. Code 6809 - Definitions ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. 

( 5 ) Nonaffiliated third party The term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XX/XX/year> The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XX/XX/year> The following inquiry was not authorized and should not be reporting.

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 2024-10-24 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: CBC Companies, Inc.
State: LA

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 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: TX

Complaint narrative:
Complaint Regarding Disputed Transaction and Billing Practices Goldman Sachs Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding Goldman Sachs Bank USA ( Goldman ) in connection to its handling of a dispute related to my Apple Card account. This issue is particularly concerning given the Bureau 's recent order issued on XX/XX/XXXX, against Goldman for violations related to the Truth in Lending Act and Regulation Z. 

In my case, I have encountered similar problems. I am disputing a transaction with XXXX  ( Transaction Date : XX/XX/XXXX ; Disputed Amount : {$260.00} ; Dispute Case Number : XXXX ). Despite multiple attempts to resolve the matter with Goldman Sachs, I have been re-billed three times for the disputed transaction without any evidence provided to justify these charges. 

Goldman has failed to conduct a reasonable investigation, and I have not received the required resolution letters or any substantial response within the legally mandated timeframes. This echoes the Bureaus findings regarding Goldmans failure to handle disputes and its delay in resolving transaction disputes, as outlined in your recent announcement. It appears that Goldman is still engaging in unfair practices by holding me liable for this disputed amount without properly investigating or resolving the issue, which directly contradicts their legal obligations under the Truth in Lending Act and the Consumer Financial Protection Act of XXXX. 

To summarize my situation : I disputed the charge after XXXX failed to provide a return solution for an item that exceeded USPS weight limits ( over XXXX pounds ), and I was left without a valid shipping option. 
Despite escalating the issue to Goldman, I have been re-billed multiple times, and no evidence or investigation results have been provided by Goldman Sachs. 
Goldmans failure to appropriately handle this dispute and their disregard for legal obligations under Regulation Z mirrors the issues highlighted in your XX/XX/XXXX order. 
I respectfully request that the CFPB investigate Goldman Sachs 's handling of my case and take appropriate action to ensure compliance with the law. Additionally, I request that a permanent credit be issued for the disputed amount, as Goldmans handling of the situation has been both unreasonable and non-compliant. 

Thank you for your attention to this matter. I look forward to a resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-24 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: LA

Complaint narrative:
I have previously disputed with XXXX, XXXX and Equifax regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Patient Accounting Service Center
State: NY

Complaint narrative:
I paid an outstanding invoice on XX/XX/year> and I have a reference number from ARStrat for the payment. I also have confirmation from my bank that the debt was paid. ARStrat is now telling me that the debt is unpaid and that they will continue to try to collect on it. I feel as though ARStrat is looking for me to pay this invoice twice so that they can pocket the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: TX

Complaint narrative:
My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history 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 to be 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. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


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! 


Update the late payments from my consumer reports

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 2024-10-24 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Alorica Inc.
State: MN

Complaint narrative:
Systems & Services Technologies , Inc. is now the owner of my loan from XXXX XXXX. XXXX went under and the contract File Violated TSR. 
We all signed up for a company that would manage our credit cards and help our credit scores. In the end, they charge us fees and are now passing on balances to a credit collection agency, which will now be reported to our credit bureau and intern will ruin our credit scores. This is not what they advertised, If it was, we wouldve never agreed to work with XXXX.

Company response to consumer: Closed with explanation