vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined in 15 U.S. Code 1666 ( b ) under the error category. 
( 4 ) the creditors failure to accurately reflect a payment made by the obligation or credit issued to the obliged on a statement.

( 5 ) A computation error or similar accounting error made by the creditor on a statement. 
15 U.S. code 1681a ( i ) report containing information solely as to transactions or experiences between consumer and the person making the report.

It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding listed accounts. I am in pursuit of concrete evidence from the creditors bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late - a sign of an invoicing error- therefore. Please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please delete these alleged late payments from my credit report and update my accounts to paid as agreed. The FCRA allows 30 days for these errors to be rectified. 

With Equifax, XXXX, and XXXX account : XXXX XXXX account number : XXXX Has reported XXXX late payment dates XX/XX/XXXX and XX/XX/XXXX I have never been late on this account or any accounts Account XXXX ( account # : XXXX ) is being reported on XXXX, Equifax, and XXXX as late on date XX/XX/XXXX. I have never been late on this account or any accounts on my report XXXX XXXX XXXX ( account # : XXXX ) is being reported on XXXX, Equifax, and XXXX as late on dates XX/XX/XXXX and XX/XX/XXXX. It is also reported on my XXXX late also on XX/XX/XXXX, XX/XX/XXXX, and from XX/XX/XXXX through XX/XX/XXXX as late. I have never been late on my mortgage account or any account on my credit report. 

Account XXXX XXXX  XXXX ( account # : XXXX ) is being reported on My XXXX, Equifax, and XXXX as late on date XX/XX/XXXX ). I was never late on this account or any accounts. 

In XX/XX/XXXX. I mailed Equifax, XXXX, and XXXX to please either show proof of late payments or please update my credit as never late. I have yet to receive a response from them or any update in n my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: FL

Complaint narrative:
I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined in 15 U.S. Code 1666 ( b ) under the error category. 
( 4 ) the creditors failure to accurately reflect a payment made by the obligation or credit issued to the obliged on a statement.

( 5 ) A computation error or similar accounting error made by the creditor on a statement. 
15 U.S. code 1681a ( i ) report containing information solely as to transactions or experiences between consumer and the person making the report. 
It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding listed accounts. I am in pursuit of concrete evidence from the creditors bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late - a sign of an invoicing error- therefore. Please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please delete these alleged late payments from my credit report and update my accounts to paid as agreed. The FCRA allows 30 days for these errors to be rectified. 

With XXXX, XXXX, and Experian account : XXXX XXXX account number : XXXX Has reported XXXX late payment dates XX/XX/XXXX and XX/XX/XXXX I have never been late on this account or any accounts Account XXXX ( account # : XXXX ) is being reported on XXXX, XXXX, and Experian as late on date XX/XX/XXXX. I have never been late on this account or any accounts on my report XXXX XXXX XXXX ( account # : XXXX ) is being reported on XXXX, XXXX, and Experian as late on dates XX/XX/XXXX and XX/XX/XXXX. It is also reported on my Experian late also on XX/XX/XXXX, XX/XX/XXXX, and from XX/XX/XXXX through XX/XX/XXXX as late. I have never been late on my mortgage account or any account on my credit report. 

Account XXXX XXXX XXXXXXXX ( account # : XXXX ) is being reported on My XXXX, XXXX, and Experian as late on date XX/XX/XXXX ). I was never late on this account or any accounts. 

In XX/XX/XXXX. I mailed XXXX, Experian, and XXXX to please either show proof of late payments or please update my credit as never late. I have yet to receive a response from them or any update in n 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 explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I went to the XXXX, CA Branch of BofA to attempt marshaling of decedent 's account. While the local branch did fax all documents to their estate department, they issued a standard notice with a reference number. Since that time, BofA has delayed and stonewalled the actual account closure and issuance of check in the name of the decedent or her trust. 

On XX/XX/XXXX, I had BofA 's Certificate of Trust filled out and notarized by a California notary and faxed it in. 

Due to being out of town for travel, I did not receive secondary form requiring a signature card and XXXX but that was sent on XX/XX/XXXX. 

Then another delay with BofA requesting Additional Signer and Owner Application and that was faxed today, XX/XX/XXXX. 

All of these documents could have been requested at the same time but BofA is stonewalling a simple process and causing the unnecessary delay in the administration of this estate. 

I have called today and the resulting answer is that it will be an additional ten ( 10 ) BUSINESS days for them to decide if the information is what they need. However, they have refused a local appointment to address any further documentation or identification needs by the bank. This is unprofessional and any fees taken from the account for monthly service fees will be demanded refunded 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 monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian-has been investigating several disputes formally submitted as of XX/XX/year> without resolution to most, company charges XXXX monthly but over XXXX  account with multiple charges. 

XXXX reports has not been able to access or update as of XX/XX/year>. No results status of disputes

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 2025-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Porfolio recovery has been trying to collect on a debt that was paid. This collection agency has been removed several times from my credit report but keeps reporting the account as an unpaid collection from XXXX XXXX. The collection agency is trying to collect on the behalf of a credit card company ; XXXX XXXX. XXXX  XXXX has reported this account as paid. They are no longer on some of my credit reports but I want them to stop reporting this account. Porfolio recovery has been closed for years on one of my credit reports but still open on the other credit bureaus. I want them to stop trying to collect on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I have requested debt validation from this company and havent received any response 30 days has passed and the debt hasnt been removed and is still reporting negatively to my credit I have yet to be given documentation that proves this company is allowed to collect on this debt the original debt amount and creditor and proof the debt belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: Solar Mosaic LLC
State: PA

Complaint narrative:
The company took a loan out on my behalf in my name for a project that got canceled and never happened the company doesnt return any of my emails anymore after saying it was canceled did not send the loan company mosaic back there money or a cancellation notice its been 6 months and I still have a XXXX loan on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I've reached out to the the dealership as well as the respective credit bureau and was told that this matter will be reolved in 72 hours and no resolve have been reached ive spoken to represenatives as well as their respective supervisors and told this would be removed and they have not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: RI

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
This vehicle was sold by XXXX after finding out that the vehicle that was sold to me had a faulty engine and was not worth the repair. The company informed me that they would sell the vehicle at auction if I brought it back to them because it was beyond repair. I brought the car back and was told this should not affect me. I got a letter in the mail a few months later stating that the car had indeed been sold. And that I was good to purchase a new vehicle with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: GA

Complaint narrative:
Im not aware of such inquiries, therefore this one appears to be illegal and a fraud. As soon as possible, please fix this problem. Thank you

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 2025-01-06 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I had a previous complaint that was not properly taken by XXXX of your agents. So I am refiling the complaint that originally was filed by XXXX of your call center agents who did not didn't type in my FULL COMPLAINT. 

I was at a mattress store looking to purchase a bed, the representative working at the store verbally informed me that I could purchase furniture and the first 12 months would be interest free. I filled out the application and synchrony bank approved it. I was never informed that I had to pay the account off within the first 12 months or interest would be tacked on. I made my regularly scheduled payments on time every month. One day I noticed that my statement showed a balance of {$1400.00}, when my last balance was {$600.00}. I called synchrony bank and was told that I hadn't paid off the balance in the First 12 months in full, so the {$800.00} dollars added to the balance was interest. I told the agent that the representative never verbally stated that and that it wasn't on any of my contract documents. The agent stated that it was in my monthly statement in small writing. I told the agent. The charge was just added in the last cycle, so I told him that I could pay it off by the months end but he stated there was nothing he could do because it was already added to the account. I informed him that they were misleading and If they wouldn't accept the pay off in full by the months end, they would not receive another payment from me. He stated, unfortunately there's nothing he could do. My balance went from {$600.00} to {$1400.00} because I was not properly informed of their process which was misleading and I refuse to be taken advantage of. After our conversation I went and checked the reviews on their website and found hundreds of complaints very similar to mine. This is when I realized Synchrony bank has a misleading practice of scamming people by not being totally upfront and transparent with their customers and using the customers credit to hold them XXXX for payments. My apologies for this complaint not being fully explained in the original detail, but I told the agent who took the complaint but it seems she only wrote up a short version. Synchrony bank added on even more interest and nonpayments, causing the total balance to be over {$2000.00}. Than wrote it off and gave it to a collection agency which has no authority from me to access my credit file. Based on the misleading promotions and failure to have it written in the original agreement, I'm requesting this account be deleted from my credit profile along with the collections that's reporting behind it. Due to misleading and false advertising promotions. Thank you 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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX and TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened At : ACCOUNTS : XXXX ON XX/XX/XXXX, XXXX OPENED ON XX/XX/XXXX, XXXX OPENED ON XX/XX/XXXX, XXXX XXXX XXXX  OPENED ON XX/XX/XXXX, XXXX OPENED ON XX/XX/XXXX, XXXX XXXX XXXX OPENED ON XX/XX/XXXX, XXXX XXXX  OPENED ON XX/XX/XXXX, XXXX  OPENED ON XX/XX/XXXX, XXXX OPENED ON XX/XX/XXXX, XXXX XXXX XXXX  OPENED ON XX/XX/XXXX, XXXX OPENED ON XX/XX/XXXX, XXXX XXXX OPENED ON XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company 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 2025-01-06 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I am experiencing unresolved issues with my Apple Credit Card ( issued by Goldman Sachs ) related to unexplained interest charges, unfulfilled refund promises, and problematic customer service practices. After encountering multiple unexplained interest charges and a {$9.00} surplus in my balance, I contacted Apple Credit Card
Support on XX/XX/year>. Following a long and frustrating process, speaking with multiple agents as some would just leave the " chat '' unexpectedly, I was promised a {$25.00} waiver to address prior unrefunded interest charges and the unexplained surplus, in addition to a refund of the most recent interest charge ( {$0.00} ). While the {$0.00} refund was processed, I never received the promised {$25.00} waiver or the refund for the {$9.00} balance surplus. 

I escalated the matter to a supervisor named XXXX, who opened a ticket ( Ticket ID : XXXX ) and assured me that the issue would be resolved. However, on XX/XX/year>, I received a voicemail asking me to call back. 

The voicemail was not a genuine attempt to contact me ; it was a direct-to-voicemail call using a practice designed to bypass my phone ringing. When I returned the call immediately after receiving the voicemail, I was told the ticket had been closed because they " attempted to contact me. '' Closing my ticket under these circumstances is both misleading and unacceptable. 

Impact of the Issue : - I have not received the promised refunds, including the {$25.00} courtesy waiver and {$9.00} surplus refund. 
- The voicemail bypass tactic wasted my time and denied me a fair opportunity to resolve my issue. 
- The experience has caused significant frustration and eroded my trust in XXXX XXXX XXXX ability to act in good faith. 
Relevant Information : - Ticket ID : XXXX - Contact Information : XXXX XXXX - XXXX XXXX - Attachments : Screenshots of interest charges, voicemail transcript, and ticket records I respectfully request the CFPB to investigate this matter, particularly Goldman Sachs ' not respecting their commitments and dishonest customer service practices. 

Thank you for your attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-06 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: VA

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 non-monetary relief