vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-25 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: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
In XXXX and XX/XX/2023, a charge was posted to my benefit card for {$190.00} and {$310.00} by XXXX XXXX XXXX. I have proof from the merchant that they admitted to not providing the service according to a customer agreement. As well as proof of my dissatisfaction and grievance with the company. The merchant offered a refund, however, it was not for the full amount of what was charged to my card. After going back-and-forth with the merchant and being promised a refund, I contacted Apple Card to file a dispute claim. I provided evidence and an explanation in writing and waited for several weeks. I contacted Apple Card to follow up multiple times. After, I called to follow up and it was explained that my claim was denied. I asked for reason for the denial and why the promise to refund my card wasnt honored. Despite the documentation that I provided showing my complaint to the merchant, the request to cancel service and the merchant promising a refund due to them not completing work as agreed. After my complaint to the merchant, I obtained copies of authorization slips that was unsigned, showing that I never acknowledged receipt of any goods or services. Therefore, making the transaction not valid. Apple Card has returned one charge of {$310.00} but has not refunded the charges above of {$190.00} and {$310.00}. Also, the merchant never was able to provide an itemization of work completed or a bill. For that reason I am demanding a credit to my account. As a mother with a XXXX child, I need that money back. The money was wrongfully charged and now Im left to pay the credit card bill. I contacted Apple Card on Wednesday, XX/XX/XXXX to request this matter to be escalated and was told a supervisor would call me back in 48 hours. I never received a call, hence is why Im making this complaint

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-25 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: FL

Complaint narrative:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
My company is USAA I am currently going through a identity theft, and scam. I recently applied for a job through XXXX and got hired for a XXXX XXXX position. They sent me a check of {$4800.00} that was deposited in my account savings account. {$300.00} was supposed to be a sign on bonus and the rest of it was supposed to be used to purchase equipment. When the check hit my account half of it was put on hold. So I did as I was asked and they had me send {$1000.00} to them for equipment, and the rest of it went towards a crypto currency. After realizing the other half of the money was on hold they send that amount of money to me again, and then I was supposed to send them the money that is on hold back to them. By this I spent another {$1500.00} on crypto currency again, and this was the time I thought something was weird. I started looking more into the company and after calling the storefront they informed that the job hiring was a scam and that they have been doing this for awhile now. As soon as I found out about this I instantly called my bank and let them what was going on. I also filed a local police report as well. The way the scam works is they would send you a check to spend all this money and then would cancel the check. Then the person that was scam ( Which is me ) would be force to pay that money back. After my bank investigated the situation they told me that there was nothing they could do about this. So I filed for another investigation, and submitted my police report with this one. I also tried to dispute charges for the crypto currency that is on my account and I was denied on that as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
I have something on my Credit reports with different names but on my XXXX it shows up as XXXX  and Jefferson Capital Systems LLC as the creditor in the report. Ive called the company and they said they didnt have any debt or information on me. My name and birthdate and social. They were actually asking me who the debt is for and how much. I told them I dont know because this is hurting my credit report and I want it removed since I wasnt provided any information when I called. They were talking to me like I was XXXX  with no answers and had me on hold for like 15 min several times

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
I checked my credit report and found I C System collection agency on my credit report. I then contacted because I wanted to know what this was and who it came from. I was told that they are collecting on behalf of XXXX XXXX XXXXXXXX  in which I have never had. I was directed to XXXX XXXX  XXXX and sent to there fraud department sending a letter stating I wanted validity of the debt and any information that they had to make this debt valid. They would not send me any information I also asked for them to remove the item until they could validate this debt. The debt is only {$310.00} dollars but this debt is not mine and they will not remove this.. So IC SYTEMs and XXXX XXXX  XXXX are together on this one and someone needs to show the validity of this debt or remove it 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 2024-03-25 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: TX

Complaint narrative:
My consumer report consists of a number of inaccuracies that i have personally contacted the furnisher and the reporting bureau. According to the Fair Credit Reporting Act ( FCRA ), if the creditor can not substantiate the accuracy of the account, they are not permitted to report it to the credit bureaus. I have on Mutiple occasions asked the credit bureaus Transunion, XXXX and XXXX to remove these items from my credit report if they can not be corrected, XXXX being the only agency to rightfully do so. the other two still have not done so which is a complete volitation of my consumer rights.

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 2024-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: CA

Complaint narrative:
A/C # XXXX XXXX XXXX I made two complaints in the past ( XX/XX/XXXX & XXXX ) regarding the same issue but still have not resolved yet. 
Complaint # : XXXX US BANK respons letter dated XX/XX/XXXX stating that I would get XXXX bonus miles when the XXXX statement comes out. However, I never received anything. 
No wonder this branch has only one star rating on XXXX  reviews. 
On XX/XX/23, I called the customer service and asked about the bonus miles. They said they will do the research and that will take 4 to 6 weeks. 
They constantly lies and giving me runaround. 
I have been very patience and now is getting to the point where the legal action might happen. And it will cost US Bank more than XXXX bonus miles.

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 2024-03-25 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: FL

Complaint narrative:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX Balance Owed : {$5500.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$630.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$570.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$9300.00} XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$700.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$220.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$2600.00} XXXX  XXXX Balance Owed : {$87.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2024-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I have tried to have my car put as a Lemon for the longest, with in 30 days of me having the car it was in and out of the shop because there was so many problems with it. I tired calling and getting help and nobody wanted to help! Im literally paying for a XXXX XXXX. And its very scary to even drive

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 2024-03-25 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: NV

Complaint narrative:
I recently checked my credit report and noticed accounts reporting that I do not recognize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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: NV

Complaint narrative:
I recently checked my credit report and noticed accounts reporting that I do not recognize.

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 2024-03-25 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: IL

Complaint narrative:
It has come to my attention that this bankruptcy is not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. It states that the US bankruptcy court is the furnisher, but I asked the bankruptcy court do they report data to any data furnisher and they replied they dont. If they dont furnish any data to you guys then there is no way that they are the data furnisher instead its actually you that are the actual furnisher and this account is reporting inaccurately. Therefore U.S. Bankruptcy Court XXXX  XXXX bankruptcy discharged Reference # : XXXX XXXX XXXX XXXX XXXX  Reference # : XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX Reference # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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: IL

Complaint narrative:
It has come to my attention that this bankruptcy is not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. It states that the XXXX bankruptcy court is the furnisher, but I asked the bankruptcy court do they report data to any data furnisher and they replied they dont. If they dont furnish any data to you guys then there is no way that they are the data furnisher instead its actually you that are the actual furnisher and this account is reporting inaccurately. Therefore XXXX Bankruptcy XXXX Chapter XXXX bankruptcy XXXX Reference # : XXXX XXXX XXXX XXXX XXXX Reference # : XXXX XXXX XXXX XXXX XXXXI XXXX Bankruptcy XXXX XXXX Reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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 reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role ano have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/year>, XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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 reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role ano have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/23, XX/XX/23. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached

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 2024-03-25 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: NV

Complaint narrative:
I HAVE CONTINUOUSLY CHALLENGED THE INACCURACIES IN THE INFORMATION PROVIDED TO EQUIFAX, XXXX, AND XXXX. UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED AT THIS TIME. 

EQUIFAX : This account is not mine : XXXX  - XXXX XXXX : This personal information are inaccurately reporting in my consumer report : Incorrect DOB - XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
EMPLOYER - XXXX XXXX - This in incorrect. Please remove this immediately and only report accurate information. 

This account is not mine : XXXX - XXXX XXXX : This personal information are inaccurately reporting in my consumer report : Incorrect Name - XXXX, XXXX , XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
EMPLOYER - XXXX XXXX XXXX - This in incorrect. Please remove this immediately and only report accurate information. 

This account is not mine : XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: FL

Complaint narrative:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2024-03-25 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: National Credit Systems,Inc.
State: FL

Complaint narrative:
Collection account reported for amount {$520.00} by National credit system last reported XX/XX/19. Does not belong to me, Ive disputed this info and has not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
One main financial is ripping me off in interest I saw theres a lawsuit against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: TX

Complaint narrative:
I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: CT

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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:
I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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

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