vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
I decided to purchase a new XXXX and Apple Watch for my wife via Apple 's website, using my Apple Card. The transaction was declined. At the Apple store the next day, we were able to force the transactions through with the help of an Apple sales manager. Thinking the card was ok, I went to pay a doctor 's bill online. That too was rejected. When I called Apple card support, they told me the card was " under review '' for fraud. I did not report any fraud, I reviewed my purchases and they were all mine, no issues. Exasperated, I called again and told them that I pay everything via that card. My bills will be late if not resolved immediately. They responded with no assistance or resolutions and no empathy, whatsoever. I pay my credit cards in full every month, I have never been late with a payment since I have had the card. My XXXX XXXX is XXXX. 

Strangely, they sent me an email a week later to contact them. When I called at their request, they again told me nothing, literally nothing. It took another week for them to get back to me.saying, " you're all set, we found no fraud ''. When I asked them what prompted this review, they again would not comment. 

I'm lucky enough to have more than one card, so I spent 5 hours online removing all payments to my creditors from Apple to another card. I spend about {$5000.00} a month on the Apple card. Not anymore. I know it's really nothing to them.

There wasn't even an apology from Apple. Apple card support 's response was, " lets just move forward and not look backward '' ... ... .I was incredulous! It was the worst treatment as a customer I have ever received ( all payments made in full monthly and I reported no fraud ). 

Again, I'm lucky to be able to pick who I want to partner with to meet my financial needs. I voted with my feet and will never do business with them again. I just hope this is a warning for others to be careful and not trust Apple card and have a few other choices available so they can't impact a credit rating. 

I read that Goldman Sachs is trying to unload the Apple card to another credit card company. If this is how they treat people, the regulators should look very closely on how they treat their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I, XXXX XXXX XXXX XXXX, am hereby exercising my right under the Fair Credit Reporting Act ( FCRA ) to request correction of inaccurate personal information in your database. The FCRA provides that consumers have the right to dispute any inaccurate information in their credit reports, ensuring that such information is accurate, fair and private. 

In particular, I request the removal of the following addresses, names and dates from my credit history, as I believe they do not accurately reflect my current situation : Name : XXXX XXXX XXXX XXXX XXXX 


This request is based on several provisions of the FCRA, which ensure the protection of consumer rights : Section 609 ( 15 U.S.C. 1681g ) : Right to receive the information contained in your file in a complete and clear manner, which allows me to identify the inaccuracies I now wish to correct.

Section 611 ( 15 U.S.C. 1681i ) : Obligation of credit reporting agencies to investigate any dispute of information submitted by a consumer within a reasonable time, usually 30 days, to ensure the accuracy of the data.

Section 605 ( 15 U.S.C. 1681c ) : Establishes the right to removal of inaccurate, outdated, or unverifiable information from credit reports, protecting consumers from inaccurate data.

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: MOHELA
State: SD

Complaint narrative:
I am one of the poor soles that wasn't saved by XXXX XXXXXXXX XXXX handouts and have paid my student loans XXXX, XXXX, XXXX, XXXX, & XXXX off totaling around XXXX dollars. 

Mohela has not reported the correct information to the credit reporting agency and when I dispute the info they do nothing. They have reported that I am making small payments on these loans when they have been paid off since XXXX. 

As a XXXX XXXX XXXX  who does not receive these free gifts from XXXX XXXX, I am reliant on my credit score and need it to be accurate for my livelihood. 

Again, I didn't vote for XXXX XXXX. I just want my loans reported accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I RECEIVED MY ANNUAL REPORT AND I AM EXTREMELY UPSET DUE TO IDENTITY THEFT .THERE ARE ALSO NUMBER OF THINGS REPORTING INCORRECTLY ON MY CREDIT REPORT SUCH AS LATE PAYMENTS. THIS IS BEING REPORTED IN ERROR AND AFTER COUNTLESS CONVERSATIONS WITH THE CREDITOR, I HAVE DECIDED TO FILE A COMPLAINT. ACCOUNT IN QUESTION : WELLS FARGO AUTO CREDIT BUREAU OPERATION. THIS ACCOUNT IS SHOWING XXXX LATE PAYMENT ON MY CAR PAYMENT THAT 1S COMPLETELY INCORRECT AND I WAS TOLD THIS WOULD BE CORRECTED I HAVE MADE NOTHING BUT ONTIME PAYMENTS SINCE HAVING THIS ACCOUNT .I ALSO HAVE INACCURATE ADDRESSES THAT I REPORTED TO ALL THREE CREDIT REPORTING AGENCIES ( BELOW ) THESE ADDRESSES ARE INCORRECT AND WHERE REPORTED AS A RESULT OF IDENTITY THEFT. PLEASE REMOVE THEM!! INCORRECT Addresses : 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

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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 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 XXXXXX/XX/XXXX

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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, has violated my rights. I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not 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.

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 2024-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
My phone was stolen on XX/XX/year> I immediately contacted Cash app in my bank and also I made a police report cash app said that I didnt report it sign at first so they didnt wan na give me my money back now theyre stating that I had a security feature lock on my Cash app, which is not true. I dont have any passcodes or opinions to anything on my phone. If I did have anything regarding the fact, I keep my passcodes and pins in the notes of my phone. I dont have a passcode to unlock the phone. I just want cash out to address that it was fraud on the account and to release my funds or give me something stating it was fraud on the account so I can show my bank so they can release the funds to me. I did everything that was supposed to do cash. I had multiple reasons why they couldnt report that it was fraud on my account or release my funds back to me or let them my bank know that it was fraud on the account. I just want my funds back to me.

Company response to consumer: Closed with explanation
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: CITIBANK, N.A.
State: CA

Complaint narrative:
I was contacted on Tuesday XXXX XX/XX/year> by Citibank saying they though a charge of {$1100.00} was fraud. I was grateful for their vigilance, and asked about the dispute resolution. I was routed to XXXX different off-shore call centers and finally told that the fraud department would not take a look at the charge as yet, because the vendor had not responded. I don't understand that a charge of that amount would remain on my record because of the vendor behavior. We all agree that the charge is a fraud, so why is this policy so dilatory?

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 2024-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT, SOMEONE ELSE IS USING MY INFORMATION TO OPEN THIS 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 non-monetary relief
Consumer complaint received 2024-10-23 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 not supplied proof under the doctrine of estoppel by the silence XXXX. XXXX XXXX ( XXXX  ) XXXX XXXX Presume that no proof of the alleged debt. Nor Therefore any such debt in fact therefore exists. ( please remove this account before i seek litigation for defamation of character ) XXXX XXXX XXXX {$910.00}

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 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Although displaying nearly identical information, my Experian XXXX  score is more than XXXX points less than XXXX  scores from XXXX and XXXX. The only differences are 1 month in average age of accounts and XXXX inquiries. Those minor differences should not create such a huge difference. There is something wrong with how Experian is calculating XXXX  scores.

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 collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Company unlawfully shared my account numbers with 3rd party entities and now my personal information is overseas. My information was also leaked to the dark web. I want this off of my credit report immediately.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$10000.00} XXXX  XXXX Balance Owed : {$11000.00}

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 2024-10-23 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:
RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX  - XXXX - XX/XX/XXXX - {$3500.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$11000.00} XXXX  - XXXX - XX/XX/XXXX - {$8900.00} XXXX  - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$850.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$650.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$2900.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am requesting your support with this incorrect account on my credit report, which has been hurting my reputation as a customer. I need your help to remove these accounts because they have been reported incorrectly and negatively.

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 2024-10-23 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Have been to add credit for insufficient income or income too low by capital one XXXX  XXXX XXXX, XXXX  to name a few and Ive asked them all to show me a law that states you have to have income to receive a consumer credit transaction loan federal reserve section 16 part one and two says nothing about income Thing you need is the collateral security to go to the now discount window in the bank are supposed to be a service provider not one to deny credit and a consumer loan. The only ones that deny credit is the federal reserve board of governors so how is the banks getting away with denying ones credit When it clearly states to pay back, the principal is with interest not income thats in ability of exchange activate XXXX. How come no laws have to be followed by the bank or they can break everyone of them and no agency including yourself does anything this needs to change if you can explain to me why I have to have income when theres no laws how can they deny you for credit when theres no laws on the book saying you have to have income the only thing on the books is saying you cant pay back with income the only way to pay alone is to pay the principal with the interest

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Someone used my information to open accounts under my name. Im tired of calling the collection agencies, and they cant answer my questions. This has greatly affected my financial situation. I need help to remove these frauds from my credit report. 
Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
Amex gift cards don't work. I tried several places. I even tried to put it on my bill and nothing work. I called and you don't get a I've rep. I read so many ppl are having this problem. I have a {$100.00} giftcard just wasted.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions

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