vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion, XXXX, & XXXX continue to report my personal information incorrectly. My name is XXXX XXXX there should be no other name or names listed on my consumer report. My address is XXXX XXXX XXXX XXXX GA XXXX there should be no other addresses listed on my consumer report. I have attached my identification and proof of my residency update my report immediately.

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 2024-06-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
I've been going through the process of purchasing my lease vehicle from Mercedes for months. My maturity date was XX/XX/XXXX which would still give me sometime before I would've supposedly had to return the vehicle. I began this process with Mercedes XX/XX/XXXX. I had a credit application done which took sometime to be received and I mailed those documents to Mercedes via priority mail. I received a call back on XX/XX/XXXX advising my credit application has been approved. I then had to wait a few weeks for them to send me a waiver removing my grandfather ( main buyer ) from the tittle as it was just going to be under my name now. Once I received that document I overnighted it to Mercedes in XXXX, XXXX. I was advised I needed an extension and I had to pay my monthly lease amount of {$510.00} on XX/XX/XXXX which I did. I then got a call on XX/XX/XXXX advising everything was good to go and I would received the contract in 2 weeks. I was also advised I would need another 2 months extension to process the buy. I asked if I would have to pay for this extension and was advised I would not. I then got a call on XX/XX/XXXX where they advised the extensions have been approved and I would receive the contract within 1-2 days. I did not receive the contract until XX/XX/XXXX. When I received the contract the names on the contract were WRONG. I spoke to a supervisor on XX/XX/XXXX that confirmed the contract was wrong and they would have to resend a new contract. I am being penalized by Mercedes for their mishandling and am being forced to extend my lease for 3 months. Florida requires a lease purchase be made 27 days ahead of the maturity date. They have extended me for 90 days and are now forcing me to pay the lease amount for the extensions and are unwilling to comp me the extensions when it's their wrong doing. My APR has also increased due to their poor handling of this matter. A 90 day extension to get me a contract is ridiculous! I shouldn't be penalized for their delay and improper handling of my file! I seek reimbursement for all 3 extensions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Goldman Sachs closed my Apple Card account without any notice.

When I called Apple Card support they told me I violated their policy. But I didnt do any violations that harm my account status except several disputes from unknown charges and duplicated charges. I always paid off on time and maintain good credit.

Suddenly one day, they decided to close my account and make my life more complicated.

They also reversed some of my payment that I paid from using my Apple Card saving account.

Later I check they also closed my saving account and I didnt see that money was sent back to my Apple Card saving account.

Now they also ruined my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: MD

Complaint narrative:
The late payments from XX/XX/year> and XX/XX/year> are reporting incorrectly. I urgently need the late payments that are listed on my credit report removed.

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 2024-06-01 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency 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 explanation
Consumer complaint received 2024-06-01 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: PA

Complaint narrative:
I took the time to print out my consumer report and when I did there was a series of inaccuracies I went ahead and typed and printed out the letter which stated laws and why these inaccurate accounts should be deleted. I sent the letter out to Experian with document such license, tax information, and a bill.

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 2024-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On or about XX/XX/year>, Bank of America restricted all access to my bank account without any explanation of why nor did they provide details on when I would be able access my money. It is now XX/XX/XXXX and I am now evicted from my home because I did not pay my XXXX rent and I have no money because Bank of America will not allow me to access my own money. Bank of America is the direct cause of me becoming homeless. There is XXXX suspicious activity on my account. 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 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been submitting multiple dispute letters to request to remove the erroneous information that you have been reporting on my Credit File. When I checked my credit record, I discovered multiple billing problems. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any negative statements on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts that should have be corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been submitting multiple dispute letters to request to remove the erroneous information that you have been reporting on my Credit File. When I checked my credit record, I discovered multiple billing problems. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any negative statements on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts that should have be corrected : XXXX XXXX Balance : {$170000.00} ; XXXX XXXXXXXX Balance : {$35000.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXXXXXX Balance : {$540.00} ; XXXX  XXXX Balance : {$610.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I understand that FCRA 605B obligates us to eliminate any incorrect accounts from my credit report. Can you examine the documents? Some accounts have incorrect reporting, amounts, and dates.

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 2024-06-01 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I received an email from Kohls on XX/XX/year> at XXXX. It says this : " Important Notice of a Change in Terms This notice provides a summary of changes that are being made to your Kohls Card Account Terms ( including to the new Account features offered on your new Kohls Rewards Visa card ). These changes will take effect on XX/XX/year>. 
You have the right to reject the change to the Interest Charge Calculation in the Revised Terms table below until XXXX XXXX XXXX  on XX/XX/year>, by calling XXXX. If you reject this change, your Account will be closed on XX/XX/year>. '' Their systems will not let me reject the change in Interest Charge Calculation, which is the following : " We will begin using daily periodic rates in place of monthly periodic rates in calculating Interest Charges. See enclosed Account Terms under sections What Are The Daily Periodic Rates Used To Calculate My Interest? and How Do You Calculate The Interest Charge? for details. 
We will continue to use the average daily balance ( including new transactions ) balance computation method, however, new transactions may now include the prior days Interest Charges that will be calculated daily instead of monthly. '' On XX/XX/year> I called XXXX to reject the change and was told by the rep that they are not trained for this and she provided me another number to call which is XXXX. I was concerned that this was fraudulent so I logged into my Kohl 's credit card website and clicked on the " contact us '' to grab the customer service number XXXX. I called that number and the rep told me to call XXXX. I did, and it was a number meant for those who already have a 16 digit Capital One card, which I don't. I only have a 12 digit Kohls store card. So, I called the customer service number on the back of my Kohl 's card XXXX. They said they did not have any information regarding helping me with the Capital One rejection but that they could go ahead and close my account regularly. So, I hung up and called the XXXX, the number I was afraid was fraudulent, which asked me to key in my 12 digit Kohls store card. But it would not register that I was typing in any numbers at all - I tried 3 times during that cellphone call. Then I hung up and called from my work phone and it still would not recognize that I was keying in any of the numbers from the front of my Kohls store card. 

Is it not illegal to provide notification of change of terms with instructions on what to do and then not allow the consumers to perform said instructions? 

I have never been more embarrassed of just how shiesty the American financial system is.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: EQUIFAX, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXXXX/XX/year> EQUIFAX MORTGAGE SERVI XX/XX/scrub>XXXX XXXX XX/XX/year> EQUIFAX MTG XX/XX/year> XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion continues to report several allege debt collection accounts listed as XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX before adding these accounts to my consumer report Transunion did not send me a notice to dispute which is my federally protected consumer rights and they are the only consumer agency reporting this account. How is Transunion the only consumer agency able to validate such information when each consumer agency must report the data aligned.

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 2024-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These accounts are on my credit history and I'm not sure how they have ended up there without my knowledge. As far as i know there are no amounts according to my credit report but im not sure if anything suspicious was done before the balance went to XXXX. Now they sit on my credit history as a negative report and its frustrating to have to deal with this matter, I am trying my best to resolve this issue. please help me. According to the dates these accounts were open, they have been existing for a while now. The dates for the accounts are, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The bankruptcy should remove on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/year>, I attempted to withdraw {$140.00} from a USAA-branded ATM inside a XXXX. The ATM dispensed {$140.00} however it got stuck behind a metal plate. I attempted to move the metal plate. The ATM activated the rollers again and the computer running an older version of XXXX abruptly crashed. The ATM restarted and the rollers activated again where it then crashed. I informed an employee of what happened, and they told me they did not have access to the ATM and that somebody had just been out to fix it. An employee and I examined the metal plate on the ATM and we were only able to pull out XXXX XXXX dollar bills equaling {$40.00} that were sticking out through a gap. I proceeded to call the number on the ATM and the representative informed me that I had to dispute it with my bank. I filed the dispute for my missing {$100.00} and so USAA deposited a temporary {$100.00} while they investigated the claim. A month later on XX/XX/XXXX, I was informed the dispute was denied as the merchant provided proof that the ATM had no errors and money was dispensed. I went back to the XXXX and noticed an out-of-order sign on the ATM. I headed to the customer service desk and talked to an employee about the ATM where I learned the ATM is known to have issues. She informed me that it constantly rips up money, jams, or does not dispense money. On the XXXX I requested the document that they provided in order to come to that conclusion and upon receiving it I was dissatisfied and called USAA to reopen it and properly investigate the dispute on their poorly maintained ATM. Finally today, XX/XX/XXXX the dispute was closed and they withdrew the temporary credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: MD

Complaint narrative:
I have tried to have this late payment removed before and the company still has not helped me. Can you please look into this matter for me? The inaccurate reports are causing me financial hardship, as the late payments being reported were not me and need to be fixed immediately! Please help!!!

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 2024-06-01 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency 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 2024-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
A company called " Portfolio Recovery Associates '' keeps calling my cellphone at all hours of day using harassing language with regard to some " debt '' they allege I owe. I am aware of no such debts. I have on 3 occassions verbally informed them to stop calling my cellphone XXXX and to send in writing whatever the nature of their allegation is but they keep calling at all hours well into the night and on weekends.

Company response to consumer: Closed with explanation