vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I got a Goldman Sachs/Apple Card . I had a {$4500.00} max spend limit. I used their 'Monthly Installment ' option and they charged me the full amount which put me over {$4500.00} limit. 1 ) what's the point of 'Monthly Installment ' feature when you are charged the full amount? Perhaps I am mistaken but they should have 'declined ' anything over my max spend limit of {$4500.00}. I do not consent to allow them to go above the agreed upon max. 2 ) look at my XXXX credit score in XXXX during this time- it PLUMMETED. Now I'm spending months trying to fix it. XXXX ) when I tried to correct it, Goldman Sach said to call Apple. Apple said to call Goldman Sachs. GOLDMAN SACHS SAID TO CALL APPLE. APPLE SAID TO CALL GOLDMAN SACHS- this has been my life. And now I don't even use the Apple XXXX XXXX and have been trying to return it since XXXX but XXXX will not accept it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: TN

Complaint narrative:
An account under the name XXXX XXXX was opened on XX/XX/XXXX, and subsequently closed on XX/XX/XXXX. This account shows no balance and no transactions but is marked as charged off as bad debt without indicating any amount. 

On XX/XX/XXXX, I contacted XXXXXXXX XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX SD XXXX, XXXX, to notify you about a new account on my credit report that does not belong to me. I included a fraud affidavit, a police report, and an FTC identity theft report with my correspondence. Despite waiting for a response, I received none. 

On XX/XX/XXXX, I sent a follow-up letter via U.S. mail XXXX reiterating my previous communication and resubmitting the documents. To date, I have not received any response.

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 2024-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: FL

Complaint narrative:
The property was returned to owner and even though this collection agency purchased the debt I never signed a contract with this company to owe them anything and according to the state they dont have a license to collect in the state in which I reside

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Information is inaccurate. Credit limit states credit card is XXXX and balance is different of over a XXXX dollars over.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I filed a school misconduct application with Navient for my private student loan and they denied my application- even though my school ( XXXX  ) has been found over and over in multiple settlements and lawsuits ( one of which I am included in ) to have engaged in terrible practices and gross misconduct. 

The letter I got from Navient letting me know my application was denied has NO reason for the denial, just says this : Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. 

No explanation or reason was given by Navient. When I called, the rep was not able to give me an specific reason either.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
American credit Acceptance reporting in Accurate lates payment U.S.C. 15 code 1666b creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: NC

Complaint narrative:
Equifax claim that they have completed my dispute : I disagree with the account listed below which still appears on my credit report, even after Equifax investigation. I would like this item immediately re-investigated. This inaccuracy are highly injurious to my credit score : Dept of Education XXXX. I have sent proof of this and it is still on my report.. In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, Please Provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PENTAGON FEDERAL CREDIT UNION
State: MD

Complaint narrative:
DATE : XX/XX/year>, AMOUNT : {$7500.00} ACTION : Called XXXX XXXX XXXX XXXX to speak with an agent and nobody answered or responded to my letters and voicemails for months I sent letters to XXXX XXXX XXXX, XXXX, XXXX XXXX and the letters came back. 

In accordance of the fair credit reporting act SECURITY CREDIT SERVICES creditor has violated my rights. Under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furish an account without my written instructions. Under 15 USC 1666 B a creditor can not treat a payment on a credit card account under an open credit plan as late for any purpose.

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 2024-06-09 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: VA

Complaint narrative:
I recently went through XXXX XXXX to obtain a HELOC loan to consolidate existing debt. Not to take on any new debt. I was successful with that and obtained the loan. As a result of me consolidating that same/ existing debt, my credit score dropped well over XXXX points with Transunion and XXXX XXXX XXXX I contacted both the bureaus and neither one of them could provide an explanation as to why after reviewing the report with me via phone. They both said that they would submit a research request to have this looked at. To date, I haven't heard anything from either of the them. My XXXX report seemed to not have changed. The irony is that 6 months prior to my obtaining this HELOC loan, I obtained a regular UNSECURED loan to consolidate debt and my credit score rose significantly. Bear in mind that I could only borrow so much in an unsecured loan. Which is what prompted me to get a HELOC loan to consolidate all existing debt, lower interest rate, improve debt to income ratio, and improve financial picture. My score shouldn't have dropped. There has NOT been any types of factors with my credit that would've caused this ( ie. judgements, collections, late payments, charge offs, etc. ) I need this fixed and addressed immediately please. I have attached what my credit score shows as of right now. Prior to debt consolidation, both scores were above XXXX. Thanks for your 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 non-monetary relief
Consumer complaint received 2024-06-10 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: PA

Complaint narrative:
I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check this account ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 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: TX

Complaint narrative:
XXXX XXXX XXXX reporting in Accurate lates payment U.S.C. 15 code 1666b creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX

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 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: OCMBC, Inc
State: TX

Complaint narrative:
On or before XX/XX/year>. I purchased a home at ocmbc as the lender accord and satisfaction has be tendered and pay in full and has not be reported by the 3 national credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I was hit with a unwanted notice on my account in XXXX and it's in courts right now for selling lemons

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 2024-06-10 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: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
In XX/XX/year>, I was the victim of a sophisticated cyber-attack by cyber criminals who gained root level access to my home computer and the credit card information stored on my computer in the XXXX XXXX file. Information from XXXX  different credit cards was stolen and immediately used to purchase a type of digital gift card. All three credit card companies recognized the suspicious rapid fire purchases activity, stopped subsequent transactions, and notified me. I immediately made a report of theft/fraud to each credit card company, filed a police report, and cancelled my credit cards. Two of the credit companies ruled I was not liable for the fraudulent purchases and refunded the money. However, Target Card Services refused to speak with me and despite trying to work with the fraud department ruled I was liable. I submitted a copy of the police report and written two letters. Target Card Services actions continue to revictimize me and are blatantly unfair since they themselves identified the suspicious activity. I did not authorize the activity taken by the cyber-criminals on XX/XX/year>, and I do not know the cyber-criminals who committed this crime. Further, I have not benefited from their criminal actions. I am filing this compliant for record and to seek the CFPBs assistance. My Target fraud compliant number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: MD

Complaint narrative:
I am writing to formally dispute your recent investigation results regarding the inaccurate information on my Equifax credit file. Your response indicated that Equifax verified the account from XXXX XXXX XXXX as belonging to me. This assertion is demonstrably false and raises serious concerns about the integrity and thoroughness of your investigation. 

I previously provided the last XXXX digits of my Social Security number to assist in locating my credit file, and I specified that the account in question does not belong to me. Despite my efforts and clear communication, your investigation failed to accurately address my concerns. 

Furthermore, I sent a debt validation letter directly to XXXX XXXX XXXX, to which they did not respond. Consequently, this fraudulent account has been removed from all three major credit bureaus, including Equifax. The removal of this account by XXXX XXXX XXXX clearly indicates that the account was not valid. Given this fact, it is perplexing and troubling that Equifax claims to have verified the validity of this account. 

It appears that your investigation did not take into account the comprehensive evidence I provided, nor did it adhere to the standards set forth by the Fair Credit Reporting Act ( FCRA ). Specifically, XXXX XXXX XXXX ( A ) ( XXXX ) prohibits furnishing inaccurate information to consumer reporting agencies. By failing to remove this erroneous account from my credit report, Equifax is in direct violation of this statute. 

Moreover, Equifax 's actionsor lack thereofconstitute a willful noncompliance with the FCRA, as outlined in XXXX XXXX XXXX. This statute provides for civil liability for willful noncompliance, allowing affected consumers to seek actual damages, punitive damages, and attorney 's fees. Therefore, I am prepared to pursue litigation to hold Equifax accountable for these violations and seek {$1000.00} per infraction as stipulated by law. 

In light of these violations and the XXXX  and financial harm caused by your negligent handling of my dispute, I am formally demanding compensation of {$1000.00} for this violation, as provided under XXXX XXXX XXXX. 

Please be advised that I am giving Equifax one final opportunity to rectify this situation and compensate me for this violation. I demand the immediate and permanent removal of the XXXX XXXX XXXX account from my credit report and the payment of {$1000.00} for your failure to comply with the FCRA. Failure to comply will result in my taking legal action to enforce my rights under the FCRA and seek additional compensation for the harm caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: MD

Complaint narrative:
DATE : XX/XX/year>, AMOUNT : {$7500.00} ACTION : Called XXXX XXXX XXXX XXXX to speak with an agent and nobody answered or responded to my letters and voicemails for months I sent letters to XXXX XXXX XXXX, XXXX, XXXX XXXX and the letters came back. 

In accordance of the fair credit reporting act XXXX XXXX XXXX creditor has violated my rights. Under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furish an account without my written instructions. Under 15 USC 1666 B a creditor can not treat a payment on a credit card account under an open credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: FL

Complaint narrative:
Found unauthorized inquires on my credit reports. please delete ASAP. 

Unauthorized Inquires. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE FROM ALL 3 MAJOR CREDIT BUREAUS ASAP!!!!!!!!!!!!!!!

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 2024-06-09 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: TX

Complaint narrative:
XXXX ; XXXX XXXX Account Number - XXXX Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with 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 2024-06-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Ive tried numerous times to cancel Experian XXXX. I was able to subscribe online but can not cancel online. Ive tried other means but no success

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 2024-06-09 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: Relay Financial (US), Corp.
State: FL

Complaint narrative:
Description of Events for Consumer Financial Protection Bureau Complaint Problem : I am experiencing a significant delay in retrieving funds disputed on a Visa card transaction in XX/XX/year>. Both XXXX and Relay Bank have failed to address the issue and adequately provide the advertised consumer protections. 

Timeline of Events : XX/XX/year> : Disputed a fraudulent transaction of {$500.00} against XXXX XXXX with XXXX XXXX Dispute Services. The card was a XXXX  debit card ending in XXXX with Relay Bank, and the dispute is being handled directly with XXXX XXXX Dispute Services. I spoke with Representative XXXX, who informed me the merchant had 45 days to respond ( by XX/XX/year> ). 

XXXX XX/XX/year> : Upon following up for a status update, I was requested to provide additional information : transaction date, details of the potential order, explanation of the situation, and the merchant 's guarantee policy documents. 

XX/XX/year> : I promptly submitted all requested information via fax ( XXXX ) and certified mail ( USPS Return Receipt confirmed delivery on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XX/XX/year> : I contacted XXXX again to ask about the status. Representative XXXX stated my information was submitted on XX/XX/XXXX with a 30-day merchant response window ( deadline XX/XX/XXXX ). 

XX/XX/year> : Follow-up contact revealed conflicting information. Representative XXXX acknowledged receipt of documents but denied a merchant response deadline, contradicting XXXX 's prior statement. 

XX/XX/year> : Still lacking resolution, I contacted XXXX again. Representative XXXX confirmed document possession, merchant non-response, and an indefinite resolution timeframe ( 3-5 days for their team to reach out ). Confirmation number XXXX was provided. 

Impact and Concerns : -This ongoing delay in retrieving my funds creates a significant financial hardship. 
-The inconsistency in information provided by XXXX representatives is deeply concerning. 
-The lack of a clear timeframe for resolving the dispute is unacceptable. 
XXXX XXXX and Relay Bank have failed to uphold their advertised consumer protections. 

Desired Outcome : I demand an immediate refund of the disputed transaction amount. 

I urge the Consumer Financial Protection Bureau to investigate the practices of Visa and Relay Bank regarding dispute resolution timelines and communication with consumers. 

This description effectively outlines the situation, highlights the problematic aspects of XXXX and Relay Bank 's handling of the dispute, and emphasizes the financial hardship I am facing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation