vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am in a XXXX XXXXXXXX I have some stuff credit report XXXX XXXX XXXX account for XXXX account number XXXX a XXXX XXXX XXXX account number XXXX a XXXX XXXXXXXX XXXX acount XXXX. And a XXXX XXXX account number XXXX. I asked all three credit reporting agencies for the letter. I need from the XXXX XXXXXXXX Trustee that says I can have a credit card. I have not received a copy for that letter. The next steps I will take is a court order to comple that letter. If not received from XXXX XXXX. They are in violation ilof federal laws.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to contest the presence of an unauthorized accounts on my credit report, as provided by your bureau. Upon thorough examination of my credit report, I unearthed the accounts that I firmly believe is the product of identity theft. 

I have been made aware that other credit bureaus have already expunged these fraudulent accounts from their records. This raises significant concerns regarding the acuracy and timeliness of your bureau 's reporting practices. Despite my proactive efforts to address these issues, the account persists on my credit report under your bureau 's reporting. 

To bolster my claim, I have filed a formal complaint with the XXXX XXXX XXXX XXXX XXXX XXXX and have furnished the bank with documentation regarding the fraudulent nature of these accounts. I respectfully request that you conduct a thorough investigation into this matter and expunge the fraudulent accounts from my credit report. 

I anticipate receiving a written confirmation detailing the completion of your investigation and the removal of the fraudulent accounts from my credit report. Furthermore, I request an updated credit report reflecting the necessary corrections. 
The specific accounts in question is as follows : 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 non-monetary relief
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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX is a account opened by Identy theft

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX is a account opened by Identy theft

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to 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 2024-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
There was fraud on my credit card transaction. I never received a receipt from the merchant because the merchant sent the receipt to the wrong email address. I had no way to return the merchandise. 

After XXXX months, I got a copy of the transaction, and the company called XXXX submitted a blurry copy of the transaction with the merchant 's contact information. I spoke to the owner, and she remembered me. She said she would be willing to help me sell the equipment, though she would not allow me to return the merchandise. The merchandise did not work as promised. 

The merchandise was in dispute for over XXXX years. 

I contacted the Goldman Sachs Apple Card representatives throughout XXXX and XXXX. I recorded about XXXX to XXXX phone calls regarding my forced payment from XXXX to XX/XX/2024 because I didn't file a police report regarding this fraud, and Apple Card requested this information to reopen my claim. 

Several Apple Card representatives told me that no reports would be made to the credit bureau regarding this fraud. I was also told that once the police report was filed, I would get credit back on anything I paid. 

In XXXX, I received a XXXX day late payment report to the credit bureau and decided to pay Apple Card {$210.00}, not the {$50.00} they said was due. Then, in XXXX, I received a XXXX late notice. 

My XXXX XXXX has gone down over XXXX points! 

I disputed this XXXX XXXX decrease and called Apple Card. They keep lying to me regarding my credit report! I have them recorded that they said my credit would not be affected as they continue to investigate this fraudulent matter.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: NC

Complaint narrative:
I was XXXX from XX/XX/2024 to XX/XX/2024. While XXXX I received my tax refund of {$6100.00} into my sofi account on XX/XX/XXXX, from XX/XX/XXXX to XX/XX/XXXX there is XXXX transactions that I DID NOT make or Authorize on my account resulting in {$6100.00} spent out of my account. 
After my XXXX  on XX/XX/XXXX I tried to get into my online account, it was locked due to too many attempts to log in, I called sofi to verify my identity and get my account unlocked after it was unlocked and I was able to log in is when I noticed all the transactions I then called sofi and filed a claim on every transaction. Sofi told me it would take 7 to 10 business days to resolve. After not even 24 hrs I received XXXX emails telling me my claim had been denied never explaining why. I then called sofi back asked to speak to a supervisor who put in an appeal request, after doing so I received an email asking for any information that could prove I wasn't responsible for the transactions I then sent an email with my paperwork from my XXXX  with my dates of XXXX  on them which again I state was from XX/XX/2024 to XX/XX/2024. Now after XXXX days I receive XXXX emails telling me my claim was denied again with no explanation. I need this matter resolved immediately {$6100.00} is a lot of money missing from my account and I need it all back and feel that it should definitely be paid back considering I trusted sofi with my money.

Company response to consumer: Closed with monetary relief
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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
A collection account XXXX XXXX  for the amount {$320.00} was deleted from my XXXX Credit Report for false reporting but not yet for my XXXX and TransUnion Credit Report ; therefore its reporting inaccurate on both TransUnion and XXXX and need to be updated.

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: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: SC

Complaint narrative:
A collection account XXXX XXXX for the amount {$320.00} was deleted from my XXXX Credit Report for false reporting but not yet for my XXXX and XXXX Credit Report ; therefore its reporting inaccurate on both XXXX and XXXX and need to be updated.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I received a letter from XXXX XXXX XXXX XXXX stating that my loan has been forgiven on XX/XX/XXXX. It states the forgiveness is effective as of XX/XX/XXXX and that they have or will notify all the national credit bureaus. I called XXXX to get a more accurate estimation of how long it takes to update my credit reports with this information and I was advised by two separate representatives that it would take approximately 90 business days which equates to 6 months to see an update on my credit report. I advised the last representative that I would like to speak with someone else regarding this and was told I would be transferred to someone in the credit department, upon transfer I was disconnected. I then checked my credit report to see that XXXX hadn't updated any information on it since XX/XX/XXXX. Since I have not been able to address this issue with anyone in the company other than to be told of this 90 business day timeframe I am making this complaint as I believe waiting 6 months to see an update on my credit report is a violation of the Fair Credit Reporting Act and of my consumer rights, this timeframe is not fair and timely and could cause an undue hardship by not reflecting current and accurate information and affecting my overall credit score.

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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I received a letter from XXXX XXXX XXXX XXXX stating that my loan has been forgiven on XX/XX/XXXX. It states the forgiveness is effective as of XX/XX/XXXX and that they have or will notify all the national credit bureaus. I called XXXX to get a more accurate estimation of how long it takes to update my credit reports with this information and I was advised by two separate representatives that it would take approximately 90 business days which equates to 6 months to see an update on my credit report. I advised the last representative that I would like to speak with someone else regarding this and was told I would be transferred to someone in the credit department, upon transfer I was disconnected. I then checked my credit report to see that XXXX hadn't updated any information on it since XX/XX/XXXX. Since I have not been able to address this issue with anyone in the company other than to be told of this 90 business day timeframe I am making this complaint as I believe waiting 6 months to see an update on my credit report is a violation of the Fair Credit Reporting Act and of my consumer rights, this timeframe is not fair and timely and could cause an undue hardship by not reflecting current and accurate information and affecting my overall credit score.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I received a letter from XXXX XXXX XXXX XXXX stating that my loan has been forgiven on XX/XX/XXXX. It states the forgiveness is effective as of XX/XX/XXXX and that they have or will notify all the national credit bureaus. I called XXXX to get a more accurate estimation of how long it takes to update my credit reports with this information and I was advised by two separate representatives that it would take approximately 90 business days which equates to 6 months to see an update on my credit report. I advised the last representative that I would like to speak with someone else regarding this and was told I would be transferred to someone in the credit department, upon transfer I was disconnected. I then checked my credit report to see that XXXX hadn't updated any information on it since XX/XX/XXXX. Since I have not been able to address this issue with anyone in the company other than to be told of this 90 business day timeframe I am making this complaint as I believe waiting 6 months to see an update on my credit report is a violation of the Fair Credit Reporting Act and of my consumer rights, this timeframe is not fair and timely and could cause an undue hardship by not reflecting current and accurate information and affecting my overall credit score.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I'm writing to draw your attention to numerous inconsistencies in the openly accessible credit data. In accordance with Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), you must physically confirm the original signed consumer contract in order to confirm the accuracy of the accounts on a credit report. Failing to comply with this could lead to reports of bogus accounts. 


I respectfully ask to view verifiable documentation for the account listed below, such as an original consumer contract including my signature. 

To keep my credit access intact, it is critical that I make sure my credit report is accurate. The FCRA requires that the account be deleted if it can not be positively verified. 

I demand that the following account be validated or removed immediately : Account Number XXXX XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXXXXXX {$1900.00} Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I'm writing to draw your attention to numerous inconsistencies in the openly accessible credit data. In accordance with Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), you must physically confirm the original signed consumer contract in order to confirm the accuracy of the accounts on a credit report. Failing to comply with this could lead to reports of bogus accounts. 


I respectfully ask to view verifiable documentation for the account listed below, such as an original consumer contract including my signature. 

To keep my credit access intact, it is critical that I make sure my credit report is accurate. The FCRA requires that the account be deleted if it can not be positively verified. 

I demand that the following account be validated or removed immediately : Account Number XXXX XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXXXXXX {$1900.00} Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation.

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute the accuracy of information on my credit report, specifically regarding the reporting of late open accounts. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act.written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution : XXXX XXXX Balance : {$18000.00} ; CITIZNPAYLOC XXXX : {$2800.00}.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I have been trying to remove a XXXXXXXX XXXX XXXX account from my Experian Credit Report, which I'm only an ( authorized user ) on for 3 Years. I have tried disputing this account 5 times between the dates of XX/XX/XXXX - XX/XX/XXXX with no resolution.

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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I recently noticed on my experien credit report an account, XXXX XXXX with account # XXXX with a balance of {$7600.00} with written off, charged off. I do not have a XXXX  XXXX card. This account was bought by XXXX XXXX from XXXXXXXX XXXX  which I did have an account with. That account was paid in a settlement, for less then owed with XXXX XXXX prior to XXXX buying the account. The account was marked paid, settled for less than owed. Was marked paid, closed, satisfied in settlement for Less then owed. Now another bank took over all accounts from XXXX XXXX  and is attempting to collect again on an account that was settled prior. I request this account be removed from my experien 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