vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Re : Case # XXXX. and Case # XXXX In XX/XX/year>, I purchased a MacbookPro Laptop from Apple charging to my Apple Credit Card administered by Goldman Sachs Apple Card. Experiencing an unusual delay in receiving my Macbook, I contact Apple about it and it was determined that XXXX lost it in transit and Apple filed a complaint with XXXX and informed they would credit me for the Macbook and I simultaneously purchased a second MacbookPro. I received my second Macbook Pro. Payment for the Macbook Pro was to be via XXXX XXXX monthly installments. Approximately 1 month later as I went to make a payment on my AppleCard I learned I could not because of confusion with the installment portion of the account and the need to square up credit from Apple. That got done. Then another month after I wanted to start making payments on my AppleCard to work down my balance. Even though I have the payment schedule, I always planned to pay ahead to payoff the Macbook Pro in short order. It came to be that I could no longer make cash payments on my Apple Card. Inquiring, I learned that is was because I have a credit balance. I told Goldman Sachs that should not matter that I want to reduce my balance as quick as possible They told me they do not offer me the way to do that because of the credit. I told XXXX this is absurd and I want to be able to pay my Macbook off quicker than scheduled After make a few calls about this and each time being assured someone willl help me solve my dilemma, I got to a point of no return on XX/XX/XXXX at a little past XXXX XXXX when a supervisor I spoke to said they have no way for me to make payments and I need for the credit to apply first. I further responded this is absurd since the whole reason for the installment payment problem is that XXXX mistaken put two computers on my installment account not accounting for the credit of the first Macbook in the installment portion of my account vs the revolving credit portion of the account which I dont use a lot. I asked them and what they affirmed is that they can not apply the credit on my account to take out the cost of one of the Macbook Pros leaving an installment balance for just one. They affirmed they can not. I believe this is deceptive trade and a predatory forcing me to take much longer to pay off my account than what was marketed to me. Thus they promised one thing and did another All I am asking for is a simple credit on my account to be used to reduce my installment balance. HIstory will substantiate that I make payments on my account ahead of due dates and periodic to keep my balance in check. Does it seem reasonable to owe a company money and they tell you they can not take a payment from you? I am asking for your assistance to relief in getting the second Macbook pro credited thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am writing to formally dispute and request the immediate removal of fraudulent account information reported by Bank of America to both XXXX and XXXX XXXX XXXX ( XXXX  ). This account is the result of identity theft and does not belong to me. The information being reported is damaging to my financial standing and preventing me from maintaining a healthy banking relationship with your institution and other institutions. 

The account in question is as follows : Bank of America XXXX # : XXXX / XXXX Closure Date : XX/XX/year> Closure Status : Suspected Fraud Activity Reported Name : XXXX XXXX XXXX Reported XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX This personal informationalong with the following names and addressesare fraudulent and not associated with me : Fraudulent Names : XXXX XXXX Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX I have already disputed this entry with XXXX, but they advised the data was verified as accurate by Bank of America XXXX This response is unacceptable, as no independent investigation was performed, and this fraudulent information continues to harm me.

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 2025-03-31 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: CA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

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 2025-03-31 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I was notified via postal mail that an application was submitted for a Barclays Emirates Skyrewards Premium World Elite Mastercard was submitted in my name and Barclays denies the application due to Debt to income ratio being too high and too many recent applications. I am concerned that someone is applying for credit cards in my name as there have now been two inquiries on my credit report for credit card applications that are not being submitted by me.

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 2025-03-31 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These inquiries does not belong to me, I am a victim of identity theft and need this to be removed I know my right under fcra act. I have summited and file complaint and no action has been done. I need help now

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 2025-03-31 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have submitted multiple written disputes to both Experian and Equifax regarding inaccurate information on my credit reports. Despite my repeated efforts, neither bureau has corrected the errors nor provided any form of verification or investigation results as required by law. To my understanding, if a dispute is not resolved or verified within the legally mandated timeframe, the disputed information must be removed from the credit report. I am requesting that the CFPB investigate this matter and ensure my rights under the Fair Credit Reporting Act are upheld.

Accounts in dispute : XXXX XXXX XXXXXXXX - last activity date DO NOT MATCH, 30 days past due DO NOT MATCH, 60 days past due DO NOT MATCH, 90 days past due DO NOT MATCH, last reported date DO NOT MATCH, date of last payment date DO NOT MATCH. 
XXXX XXXX XXXX XXXX XXXXXXXX - last activity date DO NOT MATCH, 30 days past due DO NOT MATCH, 60 days past due DO NOT MATCH, last reported date DO NOT MATCH, date of last payment date DO NOT MATCH. 

They are also reporting my name incorrectly as XXXX XXXX XXXX. This is incorrect and my name should be reporting as XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
I paid my cell bill and the phone company said there was a problem with my payment and sent it back to cash app, cash app said the money was never sent and I took photos copy to provide to them they refused to give me any of my money back, XXXX tried to assist me with the money I paid them but cash app say there mistakes and over look them like it was my problem, after that cash app took my card as if I lied to them, I always pay my bills with cash app so the card was not the problem, cash app refuse to pay me my money, the dates are listed with the photo

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: NC

Complaint narrative:
I am writing to file a formal complaint regarding an account listed on my credit report with XXXX XXXX Bank. This account was charged off on XX/XX/XXXX, and I paid off the full balance on XX/XX/XXXX. However, despite the account being paid in full, it continues to be reported as a " charge-off '' on my credit report, which is inaccurate. 

In addition, I am noticing several discrepancies regarding the payment history on this account across the different credit reporting agencies ( Experian, Equifax, and TransUnion ) : Experian : A " Not Determined '' ( ND ) status for the months XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

A late payment marked as 30 days late in XX/XX/XXXX, despite the account being paid on time with Equifax. 

A 30-day late payment in XX/XX/XXXX, followed by a 60-day late payment in XX/XX/XXXX, which is inaccurate, as I made timely payments during this period on Equifax. 

Equifax : The account was marked as " Not Determined '' ( ND ) in XX/XX/XXXX but was paid on time in XX/XX/XXXX. 

The payment in XX/XX/XXXX was listed as 30 days late on Experian, while it was paid on time with Equifax. 

Late payments from XXXX and XX/XX/XXXX do not match with the actual payment history, further causing discrepancies across agencies. 

TransUnion : There is no payment history showing up on my TransUnion credit report, despite the fact that the account was reported to other agencies. 

I believe this situation violates several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported to credit bureaus be accurate and complete. Under the FCRA, I am entitled to dispute inaccuracies and request that they be corrected promptly. These inaccuracies are misleading, as they present a false representation of my payment history and account status, which is damaging my credit score.These errors are harming my credit score and financial standing, and I respectfully request prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/year> I send a payment to bank of America of {$5000.00} XXXX balance transfer check to pay off my total bill balance. In XXXX they close my account saying that the check was returned for insufficient fund. I contact XXXX credit card and they told me that the {$5000.00} check was not presented to them. Bank of America close my account without asking for another payment or even informing me that the check was returned i find out from a letter in the mail. I inform them that the check was not presented to my bank XXXX have no record that the check was returned i have more than enough funds in my credit card for the balance transfer check. They still say that the check was return with no further investigation. For my XXXX bill my total balance was {$6600.00} they charge me {$140.00} for interest and late fees {$29.00}. I pay {$6400.00} XXXX balance transfer check. I didn't include the interest rate and late fee because I was not responsible for that since they didn't process my payment of {$5000.00}. After my payment of {$6400.00} they send me another bill of {$200.00} which is all interest fees. Bank of America did me wrong by closing my account without informing me or asking for another payment. They charge me interest and late fees of {$200.00} which I want remove and I have XXXX points that was not redeem that they rob me of. They have no valid reason to close my account I've been paying my bill regularly since I have the card. I never want to do business with them again but I want them to remove the interest from my account and let me redeem my points because I earn it. 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 monetary relief
Consumer complaint received 2025-03-31 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: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from 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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-31 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from 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 2025-03-31 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-31 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: SC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: Marlette Funding, LLC
State: GA

Complaint narrative:
XXXX XXXX sold this account to XXXX XXXX XXXX after they negotiated a lesser settlement amount with my attorney during a debt consolation. XXXX XXXX has placed it into collection. Only XXXX and XXXX are reporting it. According to the fcra and by law it should be removed because all three bureaus are required to report the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: NC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-03-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: World Acceptance Corporation
State: LA

Complaint narrative:
I did not try to fix the problem with the company ( XXXX XXXX ) because I didn't know it existed until I was served paperwork via the XXXX XXXX XXXX. I have had loans with this company before and have always paid them out. This item in particular is over XXXX old. This account is now being handled by the XXXX XXXX XXXX ; case # XXXX. I have asked for the paperwork/contract that I signed to verify debt, but it was not sent to me. This debt is beyond the statute of limitations for the state of Louisiana. In this time, I'm I feel certain that this company has written this debt off, and I was not given/sent a 1099-C. If a debt is written off by the company, they were paid by their insurance company and now they are garnishing my wages through XXXX XXXX this is FRAUD and I will follow this up with the IRS!

Company response to consumer: Closed with explanation