vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: HI

Complaint narrative:
I paid Apple card/Goldman Sachs , {$14000.00} for my XX/XX/year> payment. Of that only a little under {$2500.00} was due with the rest being due in XXXX. XXXX bill pay sent them a check that Apple received on XX/XX/XXXX. XXXX then reported that my payment was late and charged me @ {$170.00} in interest. I contacted Apple about XX/XX/XXXX and The representative said they had no record of my {$14000.00} check. I therefore called XXXX to put a stop payment on the check since once it was presumably lost. The next morning, XX/XX/XXXX, I saw on my Apple app that Apple was processing my check for {$14000.00}. I immediately called XXXX and told them to lift the stop payment on the check. I then called Apple and told them all of these circumstances and I was assured that the check would not post until XX/XX/XXXX so there was plenty of time for the stop payment to be lifted. During all of these multiple calls, I was promised a callback by supervisors who could waive the interest fee. I have not been able to connect with one of those supervisors to date. I have repeatedly requested such a discussion and no luck. Apple received full payment prior to the due date. Because of their failure to locate the check, a stop payment was placed. It was then determined that Apple in fact posted the check on XX/XX/XXXX and because the stop payment had not yet been lifted the payment was declined by XXXX. On or about XX/XX/XXXX or XXXX. I sent an electronic payment of {$2500.00} to XXXX to fully clear the XXXX balance. I am respectfully requesting that XXXX reverse the {$170.00} in interest charged to me under the circumstances. I pay my account balance off in full each and every month. Several occasions XXXX has posted the payment after the start of the month and one or two occasions when an interest rate was charged, that interest was reversed immediately without any request by me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IN

Complaint narrative:
My commitment to timely payments on this account has always been steadfast, preventing any instances of overdue payments. I'm puzzled by the reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be addressed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I sent Transunion documentation for an account that was closed to be removed. I called a few more times. Transunion refused to remove the account after 14 days. I gave them authority if they will not remove it that will actually take them to court every time I will call. They will tell me they didnt receive the documentation and documentation that I submit to them wasnt the correct documentation so I start all over again I had to wait almost a week to call them to find out if they received it. Transunion said they didnt get it the following week they said they would do 14 days to investigate all Documentation Transunion wanted more information about it which I have sent XXXX XXXX XXXX XXXX XXXX. They sent me a letter stating that the information was not blocked so what I did was told Transunion if they dont remove this off my report that I will take them to court along with XXXX for not complying with the consumer to remove the close account. The close account is with XXXX XXXX  the account was close of this month in XXXX. Transunion still refuse to remove the account. Which is 15 1681 c 2 and also 15 usc 1681 ( N ) which they were to delete the account off. But Transunion refuse to remove it I sent them more documents on XX/XX/2024 with certified letter

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 2024-04-15 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I was released from XXXX  after being XXXX  for about 2 years, and a couple months. I had trouble signing into my bank of America unemployment account and for whatever reason had to have a new card sent to me, after verifying my identity and correcting a address and account they had on my profile that was not mine. Also I had to file a dispute on XX/XX/XXXX once all that was wrong was corrected and I was able to get into my account, once in I had seen my money my XXXX XXXX I had rightfully claimed back in XXXX of XXXX was gone every XXXX spent, I was XXXX  on XX/XX/XXXX when XXXX  the officers did not let me bring my belongings but I thought my mom would come to collect them from my car where I was XXXX  at. What I didn't know was that someone else got there first and got my belongings, and clearly spent all my unemployment that I had been saving my dispute ended up being for {$16000.00} on XX/XX/XXXX the day before I got XXXX  bank of America had finally released my funds after having them frozen for almost a year. I filed these disputes with bank of America soon as I got out a long with correcting all the wrong information someone switched my info with, I verified my identity and it has been well over 15 days now and no word from them no update nothing except when I called a lady told me okay they obviously see there's unauthorized transactions going on and it's clear somebody did hack in your account around the time you were XXXX  but it's still being investigated it could take up to 90 days and they will not provide me with any provisional credit I feel like they clearly see it's not me in my account and they still are not trying to provide me with my money back. I am homeless now with nothing when I had something when I was XXXX  and should of had that when I got out.

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 2024-04-15 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: TX

Complaint narrative:
TRANSUNION never provided me with the SIGNED DOCUMENTS THAT WERE PROVIDED FROM XXXX XXXX TRANSUNION also sent me an ILLEGAL letter stating THEY DID NOT HAVE TO PROVIDE ME WITH THE SIGNED DOCUMENTS FROM EACH FURNISHER NOR ANY FURNISHER transunion also stated that the furnishers verified each account AND EACH HARD INQUIRIY THIS IS ILLEGAL AND A BIG VIOLATION OF THE F.C.R.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 non-monetary relief
Consumer complaint received 2024-04-15 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: IL

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

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 2024-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.

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 2024-04-15 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:
These credit bureaus keep violating my rights as a consumer. I've giving them multiple attempts to correct these errors. This is my final attempt at getting these items removed permanently.

According to FCRA Section 605B, it is illegal to report information on my credit report without my permission.

According to 15 USC 1681 C-2, if a block of information is declined or rescinded under the subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of the information under section 1681i ( a ) ( 5 ) ( B ) of this title. 

According to 15 USC 1692g, states that within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt, ( 2 ) the name of the original creditor whom the debt is owed, etc. 

According to 15 USC 1666b, a credit may NOT treat a payment on credit card account under an open end consumer credit plan as late for any purpose. 


Accounts to be removed : XXXX XXXX XXXX XXXX Ga XXXX ( not my address- Remove Immediately ) XXXX XXXX XXXX XXXX Ga XXXX ( not my address- Remove Immediately ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( TransUnion )- Didn't receive my written consent ; the local courts acknowledge that they didn't provide this information to the data furnishers.

If these accounts are not removed immediately, I will seek civil liability damages of {$1000.00} per violation pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ].

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 2024-04-15 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: AZ

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldnt be on my credit/consumer report. 
XXXX XXXX XXXX XXXX XXXXXXXX : XXXX Please remove it from my credit report.

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 


3. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Please remove it from my credit report. 




XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There are unauthorized inquiries on my file and I want it 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 explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In XXXX I was a victim of identity theft, someone got hold to my information and put a car in my name from XXXX XXXX and Ive been trying to get this off my report since XXXX when I saw it

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 2024-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IN

Complaint narrative:
My commitment to timely payments on this account has always been steadfast, preventing any instances of overdue payments. I'm puzzled by the reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be addressed.

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 2024-04-15 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: FL

Complaint narrative:
Hard Inquiries that are on my credit report. I am trying to remove them as I did not authorize the companies to run my credit report with Equifax, XXXX, and XXXX. I already file an FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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:
Hard Inquiries that are on my credit report. I am trying to remove them as I did not authorize the companies to run my credit report with XXXX, XXXX, and Experian. I already file an FTC 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 2024-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC
State: TN

Complaint narrative:
Dear CFPB, I really need your help. I am writing to file a formal complaint against Calvary Portfolio Service regarding their handling of my account number XXXX. It has come to my attention that Calvary Portfolio Service has been engaging in practices that are in violation of my rights as a consumer, as outlined under 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-S2 ( 7 ) ( A ).

Specifically, I believe Calvary Portfolio Service has failed to provide me with proper notification as required by federal regulations. Despite repeated attempts to communicate with them regarding the status of my account, I have not received any satisfactory response or documentation from them. 

According to the regulations cited above, consumers are entitled to certain rights and protections when dealing with debt collection agencies. These include the right to be informed about the debt being collected, the right to dispute the debt, and the right to receive validation of the debt upon request. However, Calvary Portfolio Service has failed to adhere to these requirements in their dealings with me. 

Furthermore, I request that if Calvary Portfolio Service believes they have provided me with proper notification, they provide me with a certified receipt containing my signature as proof of such notification. As of this date, I have not received any such documentation from them. I am requesting this account is deleted from my credit files with the credit bureaus. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Calvary Portfolio Service if they are found to be in violation of federal regulations. I also request that the Bureau keep me informed of any developments in this case. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Email : XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: FL

Complaint narrative:
Hard Inquiries that are on my credit report. I am trying to remove them as I did not authorize the companies to run my credit report with XXXX, TransUnion, and XXXX. I already file an FTC 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 2024-04-15 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: IN

Complaint narrative:
Compliance with FCRA 605B requires the eradication of inaccurate accounts from my credit report. Could you please examine the documents? Certain listed accounts demonstrate reporting inaccuracies and must be eliminated without delay.

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 2024-04-15 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: CA

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.

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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am unaware of this debt. I didnt have an opportunity to dispute this information. I did not receive proper notification. If and fact you believe you gave me proper notification, then please send me the certified mail receipt with my signature stating I received it. Experian and XXXX XXXX keeps reporting this account to my credit profile. They are in violation of my rights according to the FCRA all credit bureaus must report accurate information. XXXX or XXXX isnt reporting this account. DELETE 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 explanation
Consumer complaint received 2024-04-15 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: NY

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.

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