vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I applied Apple credit card. They offered term spend {$1500.00} first 60 days and received {$300.00} bonus reward. I had spent more than {$3000.00} before days and should have received my bonus reward. I called Apple/ Goldman Sachs Bank USA and they told me you will receive on 3rd months statement. Until now I have not received my {$300.00} bonus reward. 
Please help investigate my case and let me know. Thanks, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I had set up automatic payments for this account, and Synchrony Bank did not try to pull my payment from my account ( with sufficient funds ) associated with automatic payments.

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 2024-12-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XXXX XXXX a late payment was inaccurately reported. I requested information from all three credit bureaus to retrieve the method of verification and never received a response. After 15 days it's supposed to be a violation of the CFPB. 

I requested the following : - The name, address, and telephone number of the entity or individual that provided the verification information. 
- A detailed description of the procedure used to verify the accuracy and completeness of the information. 
- The date when the information was verified. 
- Copies of any documents, records, or evidence used in the verification. 
- Records or summaries of all communications between all three bureaus and XXXX XXXX XXXX concerning this dispute.

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 2024-12-01 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: Round Up Ventures, L.P.
State: FL

Complaint narrative:
Every payment Ive made is not going toward the loan. Looks like their APR is 800 percent or something like that. Ive made around XXXX in payments and not seeing anything out of the principle. Report this to XXXX  and the company wont work on anything. Im just exhausted. I found out they are using XXXX XXXX. The company does not want to do anything. Im looking toward filing for bankruptcy because of that. I am in fear that I am going to keep making payments for the rest of my life on a XXXX loan I borrowed. Ive already paid like XXXX or more. Im so tired of this loan shark and just need help as soon as possible. Or Ill just file for bankruptcy. Ive been paying on time for weeks. Cruel company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: CITIBANK, N.A.
State: OH

Complaint narrative:
XX/XX/year> I attempted to get a chimney cleaning, The co. at the time, XXXX, aka XXXX XXXX, XXXX. with an owner XXXX XXXX, under duress, had me sign for this task which was never performed, I have a bill from another chimney cleaning co. which verifies this. The next day my name was forged on another purchase that I did not authorize which was a so-called chimney liner for the amount of {$2500.00}. A police report was made and the credit card company Citibank was contacted to not authorize this charge. I never heard back from the credit card company until almost two months later XX/XX/XXXX and noted that false documentation had been provided to them by this XXXX and therefore they reversed the charges. I had attempted to contact City card about this dispute as I had not heard anything in 8 weeks time. Their customer service was difficult to reach, rude and I was told that my dispute had been dismissed because the timeline had run out for them to reassess my concerns. Wrong! Had they followed their own timeline and noted that they had been provided false documents that were forged this error would not have occurred. I am reopening this complaint as it was never resolved in a fair fashion and I also have been contacted by another person on XXXX that had been deceived as well. Citi-bank should follow their own rules and regulations regarding signing under duress, unauthorized use of my credit card, and forged signatures, as well as adhering to their own stated timeline on dispute issues. I have been made to pay for Cit-cards inadequacies! Not consumer friendly I might add!!!

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 2024-12-01 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: NM

Complaint narrative:
I am formally disputing inaccuracies on my credit report concerning an account reported by XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate, complete, and verifiable credit reporting. I have identified the following issues : XXXX. Inconsistent Account Details Across Credit Bureaus : Account Type Detail : TransUnion and XXXX report Auto Loan. 
XXXX reports Recreational merchandise, which is inconsistent with the other bureaus. 
No. of Months ( Terms ) : TransUnion reports 85 months. 
XXXX reports 72 months. 
XXXX reports 0 months. These discrepancies may lead to confusion for lenders reviewing the report. 
XXXX. Improper Reporting of Account Status : XXXX shows a last reported date of XX/XX/XXXX, while TransUnion and XXXX both show XX/XX/XXXXXXXX  Such inconsistencies indicate a lack of synchronization and proper updates across bureaus. 
XXXX. Contradictory Payment History : All bureaus list the account as Closed or Paid with a {$0.00} balance, yet the payment history includes several 30-day late marks. If the account is resolved and paid in full, late payments should no longer appear unless they were valid and verified. 
XXXX. Equifaxs Misleading Comments : XXXX adds Closed or paid account/zero balance alongside Recreational merchandise, which differs from the comments on TransUnion ( Closed ) and XXXX ( blank ). This inconsistency could mislead creditors. 
XXXX. Failure to Update or Resolve Disputes : If disputes were filed previously and no corrections were made, this may indicate improper investigation and resolution by the credit reporting agencies.

Violations of the Fair Credit Reporting Act ( FCRA ) : 1. 15 U.S.C. 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy : Credit reporting agencies must maintain accurate and consistent reporting. The discrepancies in account type, terms, and status violate this requirement. 
XXXX. 15 U.S.C. 1681i ( a ) : Failure to Investigate Disputed Information : If disputes were submitted and the inaccuracies remain unresolved, this reflects a failure to investigate properly. 
XXXX. 15 U.S.C. 1681s-2 ( a ) : Furnishing Inaccurate Information : The furnisher ( XXXX XXXX ) may be reporting inconsistent or incorrect details, violating the requirement to provide accurate information. 
XXXX. 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting of Obsolete Information : Late payments may be improperly retained, especially if they occurred more than seven years ago or are unverifiable.

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 2024-12-01 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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I am formally disputing inaccuracies on my credit report concerning an account reported by XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate, complete, and verifiable credit reporting. I have identified the following issues : XXXX. Inconsistent Account Details Across Credit Bureaus : Account Type Detail : XXXX and Experian report Auto Loan. 
XXXX reports Recreational merchandise, which is inconsistent with the other bureaus. 
No. of Months ( Terms ) : XXXX reports 85 months. 
Experian reports 72 months. 
XXXX reports 0 months. These discrepancies may lead to confusion for lenders reviewing the report. 
XXXX. Improper Reporting of Account Status : XXXX shows a last reported date of XX/XX/XXXX, while XXXX and Experian both show XX/XX/XXXXXXXX Such inconsistencies indicate a lack of synchronization and proper updates across bureaus. 
XXXX. Contradictory Payment History : All bureaus list the account as Closed or Paid with a {$0.00} balance, yet the payment history includes several 30-day late marks. If the account is resolved and paid in full, late payments should no longer appear unless they were valid and verified. 
XXXX. XXXX  Misleading Comments : XXXX adds Closed or paid account/XXXX  balance alongside Recreational merchandise, which differs from the comments on XXXX ( Closed ) and Experian ( blank ). This inconsistency could mislead creditors. 
XXXX. Failure to Update or Resolve Disputes : If disputes were filed previously and no corrections were made, this may indicate improper investigation and resolution by the credit reporting agencies.

Violations of the Fair Credit Reporting Act ( FCRA ) : 1. 15 U.S.C. 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy : Credit reporting agencies must maintain accurate and consistent reporting. The discrepancies in account type, terms, and status violate this requirement. 
XXXX. 15 U.S.C. 1681i ( a ) : Failure to Investigate Disputed Information : If disputes were submitted and the inaccuracies remain unresolved, this reflects a failure to investigate properly. 
XXXX. 15 U.S.C. 1681s-2 ( a ) : Furnishing Inaccurate Information : The furnisher ( XXXX  XXXX  ) may be reporting inconsistent or incorrect details, violating the requirement to provide accurate information. 
XXXX. 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting of Obsolete Information : Late payments may be improperly retained, especially if they occurred more than seven years ago or are unverifiable.

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 2024-12-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rhodes, Kelly Assoc Inc
State: NC

Complaint narrative:
Account number XXXX Subject : Formal Dispute Regarding Negative Item and Violation of Federal Laws To Whom It May Concern, I am writing to formally dispute an inaccurate and unlawful negative item listed on my credit report. I believe this entry is not only incorrect but also reflects a violation of several federal consumer protection laws. Below, I outline the violations and request immediate action to investigate and rectify this matter. 

XXXX. Violation of 15 U.S.C. 1635 ( Right of Rescission ) : Under the Truth in Lending Act ( TILA ), I am entitled to specific disclosures and protections regarding financial obligations. This law provides a right to rescind certain transactions within a specific timeframe. The negative item on my report does not reflect that this right was properly honored or communicated. 


XXXX. Violation of 15 U.S.C. 1692g ( Validation of Debts ) : As per the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of any alleged debt. Despite my requests for verification, I have not received adequate proof that the negative item on my report is valid or accurate. This failure constitutes a violation of federal law. 


XXXX. Violation of 15 U.S.C. 1692c ( Communication Practices ) : The FDCPA also regulates the manner and timing of communications regarding debt. Any communication about the disputed item must comply with the prescribed standards, including restrictions on contacting me without consent or at inappropriate times. I believe these standards have not been adhered to. 


XXXX. Violation of 15 U.S.C. 1681e ( Compliance with Accurate Reporting ) : The Fair Credit Reporting Act ( FCRA ) mandates that credit bureaus maintain strict procedures to ensure the maximum possible accuracy of information reported. The presence of this negative item, which I have reason to believe is inaccurate or unverifiable, indicates a failure on your part to comply with these obligations. 



Requested Resolution : XXXX. I demand an immediate investigation into this matter and the removal of the disputed negative item from my credit report. 


XXXX. Please provide me with purchase agreement verifying the accuracy and legality of the information in question, as required by federal law. 


XXXX. Confirm in writing that the disputed item has been removed or corrected within 30 days of receiving this letter. 



Failure to address this matter adequately and in compliance with federal laws may result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal remedies.

Thank you for your prompt attention to this serious matter. Please acknowledge receipt of this letter and keep me informed of your actions regarding this matter. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Dear TransUnion, I am writing to address a concerning discrepancy in my credit report. I was dismayed to find that an item that had previously been removed by two other credit reporting agencies has been re-verified by your agency. This has raised serious concerns for me, as the other agencies concluded that the item was unverified and subsequently deleted it from my credit report. 

It is important to note that these items in question are a result of identity theft, which has caused significant distress and harm to my mental, emotional, and physical well-being. I find it deeply troubling that despite the clear evidence of fraudulent activity associated with this debt, your agency has chosen to not adhere to the regulations that mandate the validation of such debts. 

I must emphasize that the inaccuracies in my credit report are not only detrimental to my financial standing but also tarnish my reputation and creditworthiness. I urge you to promptly rectify this issue and ensure that the erroneous item is removed from my credit report in accordance with the Fair Credit Reporting Act. 

I kindly request that you conduct a thorough investigation into this matter and provide me with a detailed explanation as to why the item has been re-verified despite the lack of validation from other reporting agencies. It is imperative that this issue be resolved expeditiously to prevent further harm to my credit profile. 

I appreciate your prompt attention to this matter and expect a swift resolution to restore the accuracy of my credit report. Please feel free to contact me at your earliest convenience to discuss this further. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-01 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: PA

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 non-monetary relief
Consumer complaint received 2024-12-01 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: PA

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 non-monetary relief
Consumer complaint received 2024-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you the XXXX, XXXX XXXX XXXX and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days you receiving this complaint. ALL INQUIRIES AND ALL COLLECTION ACCOUNTS REFLECTING ON CONSUMER REPORT ARE FRAUDULENT. This fraudulent, inaccurate, and false information consists of an automobile account opened at NATIONAL CREDIT MANAGEMENT WITH AN UNKNOWN Account number, WITH A BALANCE OF {$18000.00} ( FRAUDULENT ) This account has resulted in several fraudulent hard inquiries and fraudulent collections that is " written off '' meaning paid with a 1099 C and company did not provide any documentation to consumer. Every month fraudulent company is reporting on consumer report which is illegal and has no permissible purpose. Fraudulent collection ( s ) appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation