vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-14 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: PA

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: NY

Complaint narrative:
This morning, I was shocked to see inaccurate accounts listed on my credit report, and I have no clue why this has happened. I check my report regularly, and everything has always been accurate until now. I even refreshed my browser, thinking it might be a glitch, but nothing changedthe errors are still there. Im pleading for the documents Ive sent to be reviewed thoroughly so that I can put this nightmare behind me for good.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: GA

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 explanation
Consumer complaint received 2024-12-13 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: GA

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 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 2024-12-14 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: NV

Complaint narrative:
Hi, My name is XXXX XXXX. I opened a CD account with Marcus by Goldman Sachs due to mature on XX/XX/2024. The amount was around {$82000.00}. Prior to mature date, I set the account to close and transfer money out to my XXXX account on their app on the XXXX XXXX. Two attempts were made to transfer my money to XXXX  but they were both reversed by Marcus.

I called Marcus representative on XX/XX/XXXX on this issue and the representative said that it was XXXX bank fault for reversing the transfer and opened a case for this issue. I called XXXX customer service and they said that XXXX was receiver bank and could not deny money transfer into their account.

I contacted Marcus by Goldman Sachs on the XX/XX/XXXX and XXXX for follow up on this issue. Both times, the representatives said they were unsure what the reason for unable to transfer money back to me and had open a case for this issue. I talked to Marcus 's customer service Manager on expediting the response. I asked for confirmation email regarding this conversation but the manager said they could not have the ability to send out confirmation email. The case number for XX/XX/XXXX call was XXXX. Marcus 's customer service manager said he did not see case numbers for my 2 calls on XX/XX/XXXX and XXXX but assured me that there were some notes made about my request.

The customer service dept was not able to give me a reason why my money was held and how long it would take to give me my money back after several attempts to contact them. It has been more than 3 weeks trying to get my money back. Please look into this issue because there are several customers are dealing with this same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: MO

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated.

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had multiple late payments on an account that I was in fact paid on time. Consumer reporting agencies need to report all information accurately. this account has not been late on payments ve attached a copy of my report to this complaint on the following dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I'm now requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding and prompt action

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 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had multiple late payments on an account that I was in fact paid on time. Consumer reporting agencies need to report all information accurately. this account has not been late on payments ve attached a copy of my report to this complaint on the following dates XXXX XXXX XXXX XX/XX/XXXX & XXXX XXXX XX/XX/XXXX I'm now requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding and prompt action

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: PA

Complaint narrative:
Please promptly block and remove the unauthorized accounts from my credit report. I did not create or approve these accounts and am unfamiliar with their origins. In accordance with USC 1681g, I request their removal within 15 days. Enclosed are the necessary documents for your review and 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 2024-12-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute several unauthorized inquiries on my credit report. As outlined under the Fair Credit Reporting Act ( FCRA ), no entity is permitted to access or publish my credit information without my explicit consent. These inquiries have negatively affected my credit profile, and I demand their immediate removal. 

The inquiries in question are as follows : 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 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  Under the FCRA Section 604 ( 15 U.S.C. 1681b ), a credit reporting agency may only furnish a consumer report under specific permissible purposes. These include my direct authorization, which I did not grant for the inquiries listed above. As such, these inquiries constitute a violation of my rights under the law.

Further, I would like to reference the Federal Trade Commission ( FTC ) guidance, which affirms that any unauthorized access to a consumers credit report is a breach of the FCRA. Unauthorized inquiries can have a detrimental effect on a credit score, and I am entitled to a resolution. 

I respectfully request : A thorough investigation into these inquiries. 

Removal of all unauthorized inquiries from my credit report. 

Written confirmation of the actions taken as a result of this dispute. 

I have included a copy of my credit report with the disputed inquiries highlighted for your convenience. Additionally, I am providing copies of my government-issued ID and proof of address for identity verification. 

Should you require any further information or clarification, I am available at [ Your Phone Number ] or [ Your Email Address ]. I expect a response within the 30-day period stipulated under the FCRA. 

Thank you for your prompt attention to this 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 explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I noticed several inaccuracies and unauthorized inquiries on my credit report from multiple credit bureaus, which I believe violate the Fair Credit Reporting Act ( FCRA ). These include : Inaccurate Personal Information : Employment details, such as " XXXX XXXX '' and " XXXX XXXX, '' have been listed on my credit file without my authorization. I have no association with these employers. Additionally, my credit file contains outdated or irrelevant personal identifiers that need to be corrected. 

Unauthorized Inquiries : My credit report contains hard inquiries that I did not authorize, including those from XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX among others. These inquiries are negatively impacting my credit score.

Disputed Accounts : Several accounts listed on my credit report are inaccurate or unverifiable, including a XXXX XXXX collection account ( associated with XXXX XXXX ), a XXXX XXXX XXXX account, and a XXXX auto loan that was charged off. Despite my attempts to address these discrepancies directly with the credit bureaus, they remain unresolved. 

I have taken steps to dispute these inaccuracies by contacting the credit bureaus, sending formal dispute letters with supporting documentation, and requesting an investigation. However, these entities have either failed to respond appropriately or continued to report inaccurate information, which is a violation of FCRA Section 611 ( a ).

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 2024-12-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: AE

Complaint narrative:
XXXX : I spoke with the legal assistance office, and they reviewed my previous card member agreement and the current agreement that they recently changed, and it appears to violate the MLA in numerous ways. Additionally, I have requested them to call me or contact the military legal assistance office because they are attempting to determine why they believe I am not covered by MLA when I am in the MLA database, moreover, they believe that AmEx might be misinterpreting the rules which are clearly defined in the final rule and the interpretive rule according to Federal Law and US Regulations. 
I have contacted them numerous times since XXXX, most recently in XXXX and XX/XX/XXXX, regarding my covered borrower status under the Military Lending Act ( MLA ). Despite my inquiries specifically about MLA, they initially ran an SCRA check and informed me that I did not qualify under the Servicemembers Civil Relief Act ( SCRA ) because I opened the account while on XXXX XXXX, even though I had not asked about SCRA. Then said I qualified for MLA and they would need to apply it. In fact on their website it states, " Credit must be acquired while on XXXX XXXX '' which it was and has been. Eventually, they conducted an MLA inquiry but denied my eligibility, claiming that my account, opened in XXXX, was not covered because MLA protections apply only to accounts opened after XX/XX/XXXX despite me being on XXXX XXXX in XXXX and currently still being on XXXX XXXX. However, when I consulted the XXXX XXXX Legal Assistance Office, I was informed that this interpretation is incorrect. According to the legal office, credit card companies were required to comply with MLA provisions for all relevant accounts starting from that period, regardless of when the account was originally opened, if there were certain changes to the card member agreement or additional services added on or rendered after that date. Additionally, I had no balance on the account until recently, which means all transactions I am being billed for likely occurred after XXXX. Any changes to terms or agreements made after that date should have been subject to MLA requirements. Despite this, American Express continues to refuse to comply with the law despite me informing them numerous times and for years of my status. Just stating that someone is not covered by MLA does not make is true especially when I have proof of what they say is not true. I have included proof of my MLA protected status.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Deceptive Misrepresentation of ADVERTISEMENT- FRAUDULENTLY CHANGED PRICE ON FINANCE CONTRACT AFTER SIGING Dealership Fraudulently changing finance contract DOLLAR AMOUNT I wanted to return the purchased vehicle immediately, next day XX/XX/XXXX Traveled from XXXX XXXX XXXX XXXX located in XXXX XXXX to purchase XXXX XXXX XXXX XXXX XXXX for advertised online purchase price {$44000.00} XXXX  XXXX XXXX MISREPRESENTATION/Deception/Fraudulently AFTER signing financing contract the financing contract was FRAUDULENTLY changed increasing purchase price of vehicle over {$10000.00}. XXXX FRAUDULENTLY added ADDITIONAL add-ons after signing in the amount over {$8000.00}. Total fraudulent charges {$28000.00} dollars. XXXX as well violated consumer right of choice for financing. They placed the financing as by here pay here. WE CLEARLY ADVISED ON XX/XX/XXXX during transaction we DID NOT WANT THIS. On XX/XX/XXXX at approximately XXXX XXXX in less than 4 hrs of vehicle purchase contacted a representative at XXXX XXXX I ADVISED THE VEHICLEs IMMEDIATE RETURN to XXXX XXXX  XXXX. 


XX/XX/XXXX Received calls and text message from phone number XXXX Spoke with director XXXX XXXX XXXX XXXX, however display name on my phone XXXX XXXX Please see attached correspondence Recordings available. 

XXXX XXXX agreed on recording removal of add ons described in resolution section XX/XX/XXXX Sent text message to XXXX XXXX. See attached. Does not remember conversation and notification of being recorded. 
During call XXXX XXXX advised us he was calling from his personal phone and instead of reaching out to sources such as CFPB or Ally Bank to refer correspondence to him directly. 
Additionally adding the below : During transaction of vehicle dealership sent web credit application via personal cell phone number. I advised I wanted some type of confirmation of XXXX destroyed or removed from representatives personal phone. 


Recordings from XX/XX/XXXX @ XXXX XXXX XXXX XXXX XXXX minutes 33 seconds. Call was dropped by XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX back @ XXXX XXXX XXXX XXXX 11 minutes 33 seconds XX/XX/XXXX Sent text message to XXXX XXXX XXXX See attached. Does not remember conversation and notification of being recorded. 
During call XXXX XXXX advised us he was calling from his personal phone and instead of reaching out to sources such as CFPB or Ally Bank to refer correspondence to him directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: PA

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

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: DE

Complaint narrative:
My account with XXXX 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 in to be removed.

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 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! 

Delete 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 non-monetary relief