vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-04 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the last date active is inaccurate and the last date reported is not accurate. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions Also the credit bureaus took more than XXXX  days to complete my investigation here is my certified mail tracking # 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 explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
remove these items off my experian credit report Dear Experian, I am writing to formally dispute several items on my credit report that I believe are inaccurate and negatively affecting my credit score.

I have noticed that the following outdated accounts keep reappearing on my report, despite being too old to be reported : balance XXXX ( doesnt even display an account number how old it is ) balance XXXX ( doesnt even display an account number how old it is ) XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX In addition, I would like to address several unauthorized inquiries that have recently appeared on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not authorized by me, and I request that they be removed from my credit report as they may be impacting my creditworthiness.

I would appreciate your prompt attention to this matter and request that you investigate these discrepancies as soon as possible. Please let me know if you need any further information from my end. 

Thank you for your assistance.

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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

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 2024-09-04 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: Global Lending Services LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/XXXX. Within question pertaining to account in default setting seeking transfer on Financial Credits still attached to the account linked with automobile. Upon diplomatic means of discussing matter with my contract and account with XXXX XXXX XXXX to inform them that the interest request from my behalf back to them to be applicable to the account. With much hostility received from XXXX XXXX XXXX a heaviness of willingness to misinform with the grounds of the contractual agreement between. Lack of understanding towards the security interest giving back to the XXXX XXXX XXXX to handle all debt related. I have reached out to XXXX XXXX Serviced to only be handle with for less then my Capacity to engage in contracting. A down payment in cash was supplied to Global lending services on the date of signing XX/XX/XXXX XXXX the contract required cash or credit upon further investigation it wasnt required. XXXX XXXX other fees in total XXXX. None the less the is a direct violation to contract XXXX as very much so. I still would do business with XXXX XXXX XXXX in XXXX with in the ground of our obligation to the account in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This letter serves as a formal demand for the immediate removal of unauthorized hard inquiries that have been reported on my credit report. Upon reviewing my credit report, I have identified the following inquiries that were made without my knowledge or consent XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a credit reporting agency may only furnish a consumer report under specific circumstances, including when the consumer has given explicit authorization for the inquiry. I hereby assert that I did not authorize any of the above-listed entities to conduct a hard inquiry on my credit report. As such, these inquiries are unauthorized and must be removed immediately.

Failure to remove these unauthorized inquiries may constitute a violation of the FCRA, and I am prepared to take further legal action if necessary, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing any other legal remedies available to me under federal and state law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This letter serves as a formal demand for the immediate removal of unauthorized hard inquiries that have been reported on my credit report. Upon reviewing my credit report, I have identified the following inquiries that were made without my knowledge or consent : XXXX XXXX - Inquiry Date : XXXX XXXX XXXX XXXXXXXX XXXX - Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX  - Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a credit reporting agency may only furnish a consumer report under specific circumstances, including when the consumer has given explicit authorization for the inquiry. I hereby assert that I did not authorize any of the above-listed entities to conduct a hard inquiry on my credit report. As such, these inquiries are unauthorized and must be removed immediately. 

Failure to remove these unauthorized inquiries may constitute a violation of the FCRA, and I am prepared to take further legal action if necessary, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing any other legal remedies available to me under federal and state 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 explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
On XX/XX/XXXX ( sunday ) when downloading transactions to quicken discovered a XXXX withdrawal from our american express bank savings account to a bank called XXXX that was unknown to us. Contacted AMEX the same day but was told to call back on XXXX  which we did and initiated a dispute ( case XXXX ) on the account and froze it. They said that they would get back to us in XXXX  days. Today ( XX/XX/XXXX ) we received mail form AMEX indicating that no error had occurred and our money was not going to be refunded. After calling for more information they gave us the basic information about the account number at the XXXX bank and that the account had been setup in my my name on XX/XX/year>. We contacted XXXX who reported the account was active and verified that my basic information was correct except for mailing address. I requested that they lock the account and they have initiated an identity theft report with a case number of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
I utilized a non-Frost, XXXX XXXX XXXXXXXX ATM for a {$60.00} transaction. The XXXX ATM did not dispense cash. Upon contacting Frost Bank, I received a provisional credit for {$60.00}. 

Upon completion of the claim, Frost reversed the provisional credit. I then filed a second appeal, which was denied the same day. A letter was sent stating that the original decision was upheld. 

I then contacted Frost by USPS mail, requesting a copy of the documents used during the dispute review. Frost refused to provide such documentation, and sent another letter stating their review was complete and the decision was uphelp.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: DE

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-04 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: DE

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
I initially contacted this company on XX/XX/year> regarding " missed/late payments ''. Payments were made for the months that reported as late/missing, and on this initial call they admitted that it was a system error and that this would get corrected on my account and credit report. They give an ETA of resolution of 1-2 weeks for every single request, and when I would call to follow up ( because they wouldn't always reach out themselves ), they would have to put in a new request and provide the same ETA because they did not follow directions on the ticket or the ticket submitter was not descriptive enough for the next department to understand. 

It is now XX/XX/year> and I am still going through this loop with them with no sign of a resolution and am at risk of being homeless at the end of my lease ( along with my wife and XXXX children ) because this is affecting my ability to purchase a house. I need this resolved immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

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 2024-09-04 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 have not authorized the following inquires and I need these items removed immediately from my XXXX, XXXX and Experian report. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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 explanation
Consumer complaint received 2024-09-04 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: FL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX, I took out a car loan with credit acceptance. I had just had a baby and needed a three-row vehicle. I fell behind in the payments and have been paying, with reoccurring automatic payments, a specified amount each month. But since my payments are so high, I am only able to put {$XXXX} per month towards my arears. Because of the high interest rate and nonnegotiable terms, I am unable to get caught up or even close to breaking even. At this point, the car will be long gone before I am close to paying off the loan. 
The high interest rate and cost of the vehicle at the time of purchase, there was no way I would have been able to keep up and credit acceptance should have known that. 
Currently, I pay {$XXXX} twice a month. My standard payment is {$XXXX}. I bring home roughly {$XXXX} a month. I have XXXX children, including XXXX in daycare which those circumstances have not changed since taking out the loan. My rent is {$XXXX} per month and no utilities or food are included. The cost of the XXXX XXXX XXXX was {$XXXX} and it had XXXX miles on it. The apr was XXXX  % which equals out to {$XXXX} in finance charges total. Had I made all of the payments on time, the total I would pay for the car is {$XXXX} with a total listed of {$XXXX}. {$XXXX} for a XXXX XXXX XXXX. I was not educated or told about the total cost and was desperate at the time. 
Since I fell behind in payments my principle is now XXXX and not {$XXXX}. 
Even now, the payoff amount they are offering me is {$XXXX}. Still more than what it started at. Each month I am hit with an interest charge of {$XXXX} and late fee of {$XXXX}. For example, XX/XX/XXXX : interest charge {$XXXX}. XX/XX/XXXX : Payment of {$XXXX}. XX/XX/XXXX Interest charge of {$XXXX}. XX/XX/XXXX payment of {$XXXX}. 
Why am I being charged a total of {$XXXX} in interest each month? 
If I go back even further, XX/XX/XXXX there is an interest charge of {$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 2024-09-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
I contacted XXXX by Goldman Sachs on XX/XX/year>, at XXXX XXXX and XXXX XXXX. They informed me that my account was locked but refused to explain why. I followed up later that evening at XXXX XXXX  and spoke with a supervisor, who stated that the account was locked due to the addition of an external account not in my name. This account, however, belongs to my XXXX, XXXX XXXX, a XXXX XXXX account, which I was willing to verify. 

The previous XXXX claimed that my phone number didnt meet their verification criteria but refused to disclose what those criteria were. The supervisor then told me she had unlocked my account, but I was unable to log in the next morning. 

Despite my persistence and receiving verification codes on XX/XX/XXXX at XXXX XXXX  ( code : XXXX ) and XX/XX/XXXX at XXXX XXXX  ( code : XXXX ), XXXX still insisted that my account was not verified, even after confirming my date of birth, social security number, and secret word. When I asked if I could submit electronic verification using my passport or green card number, my request was denied. 

On XX/XX/XXXX at XXXX XXXX, I was advised to call back later that night to speak with a supervisor. I did so at XXXX XXXX  the next morning, yet again, XXXX would not clarify why my phone number, social security number, date of birth, and secret passcode were insufficient for verification. They claimed they left a voicemail detailing the hold on my account on XX/XX/XXXX, but I did not receive any voicemail. 

Please contact XXXX by Goldman Sachs to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: ID

Complaint narrative:
I am writing to formally file a complaint regarding PayPal 's handling of my account and the withholding of {$5400.00} in available funds. 

On or around XX/XX/XXXX, I submitted all requested documentation and information about my business as required by PayPal for verification purposes. At that time, PayPal confirmed receipt of my submission and stated, " We're reviewing your information and will get back to you regarding the status of Ref ID : XXXX within 5 days. '' It has now been well over 5 days, and PayPal continues to hold my funds without any further communication or resolution. I have made every effort to comply with their requests and have received no explanation for the continued hold on my account. As a result, PayPal is effectively holding my funds XXXX, preventing me from accessing my money to support my business and meet my financial obligations. 

Thank you for your time and attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
I been trying to contact the bank to correct my mailing address on system but has not been possible. The account is closed but is still being reported to the credit bureaus.

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