vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-24 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:
I submitted a request for deletion, explaining that I was a victim of identity theft on XX/XX/year> with my ftc report and supporting documents. I have yet to receive any information or have these accounts deleted. It has been well over the allotted time for a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
I am writing to formally dispute the reporting of the following accounts on my credit report : Account Numbers : XXXXXXXX XXXX XXXX 
Balance Range : {$790.00} {$10000.00} across accounts.

Credit Reporting Agencies Reporting the Issue : XXXX, XXXX, XXXX Account Status : Open, reported as derogatory. 
Discrepancies and Inaccuracies Identified Duplication of Accounts : Multiple accounts with the same creditor are reported under slightly different identifiers, inflating the total debt amount reported. This creates a false impression of higher debt, violating 15 U.S.C. 1681e ( b ).

Inconsistent Reporting Across Bureaus : Credit limits, balances, and payment histories vary for identical accounts, reflecting inaccuracies and inconsistencies. 
Failure to Validate the Derogatory Status : The accounts are reported as derogatory without evidence of missed payments or delinquencies.

Cease-and-Desist Communication Demand This letter also serves as a formal cease-and-desist notice under 15 U.S.C. 1692c ( c ) of the FDCPA. Effective immediately : Cease All Communication : Stop all attempts to contact me via phone, email, or other means. Any further contact without legal grounds will constitute harassment.

Violations of 15 U.S.C. 1692c ( a ) ( 1 ) : I have received communications during inconvenient hours, including early mornings and late nights, which violate federal law.

Written Communication Only : All future communication must be in writing and for legally required purposes, such as debt validation or termination of collection efforts.

Demands Consolidate Duplicate Accounts : Merge duplicate entries to accurately reflect total debt. 
Correct Reporting Errors : Ensure credit limits, balances, and payment histories are consistent and accurate.

Provide Validation : Include proof of the original creditor, a detailed payment history, and evidence of the balances reported.

Written Acknowledgment : Confirm in writing that inaccuracies have been corrected and all communication has ceased. 
Consequences of Non-Compliance Failure to comply will result in complaints filed with the CFPB, FTC, and other regulatory bodies, as well as potential legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seve
n years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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: IN

Complaint narrative:
I reviewed my consumer reports and noticed that i have assumed a vital role and 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 account XXXX XXXX  # XXXX. Please investigate and provide proof with statements showing that these payments were late if proof can't be provided, demand these payments be updated to on time as they should be as i was never late. Thanks.

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 2024-12-24 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: NY

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, I forwarded correspondence to your attention requesting the immediate blocking and deletion of fraudulent accounts and information appearing on my credit report as a result of identity theft. To date YOU HAVE FAILED TO REMOVE THE ITEMS WHICH IS A VIOLATION OF THE LAW. I am writing to formally request, for the third time, the immediate blocking and deletion of fraudulent accounts and information appearing on my credit report as a result of identity theft, pursuant to 15 U.S.C. 1681c-2 ( a ) under the Fair Credit Reporting Act ( FCRA ). I was a victim of the Equifax data breach, and my personally identifiable information was compromised, leading to unauthorized accounts being opened in my name. 
The fraudulent accounts in question are as follows : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX REMOVE THE FOLLOWING FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As per 15 U.S.C. 1681c-2 ( a ), you are required to block and delete the disputed information within four business days of receipt of this request. Additionally, you must cease reporting these accounts to any third party. 
I expect a written confirmation from your office once the fraudulent accounts have been blocked and removed. If you require further documentation or information to process this request, please contact me immediately at the phone number or email address listed above. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Ive noticed inaccuracies on my credit report under 15 USC 16c-2. The hard inquiries shown were not approved by me and are damaging my credit. Please remove them 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 non-monetary relief
Consumer complaint received 2024-12-24 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: TX

Complaint narrative:
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-12-24 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 SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-24 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: IL

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. Please see 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 non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANKMOBILE TECHNOLOGIES, INC
State: AR

Complaint narrative:
I opened an account with XXXX XXXX after receiving multiple emails explaining the benefits I could attain as a member and subsequently opened an account. I made an initial deposit of {$380.00}, an odd number, but done so purposefully to 'round out ' the primary account from which is was transferred from ; the transfer from my primary bank [ XXXX XXXX XXXX XXXX XXXXXXXX took four ( 4 ) business days, which is unacceptable to me as a consumer. After the transaction cleared [ today ] I immediately requested that those funds [ {$380.00} ] be transferred back to my primary account, and a few hours later my account was 'restricted, ' and I was told that my money would NOT be returned to me. This is illegal and other than contacting this department, the only other remedy I know of would involve contacting the police.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Goldman Sachs, the issuer of the Apple Credit Card, regarding a billing dispute and the lack of resolution despite multiple attempts to address the issue. Below are the details of my complaint : Summary of the Issue : On XX/XX/year>, and XX/XX/year>, my XXXX account was debited three times for the same amount of {$440.00}. Recognizing these as duplicate charges, I contacted XXXX and had the two duplicate ACH debits canceled. However, on XX/XX/year>, Goldman Sachs recharged my Apple Card two additional amounts of {$440.00} ( totaling {$890.00} ), which were unauthorized and unwarranted. 

Attempts to Resolve the Issue : XX/XX/year> : I contacted Goldman Sachs Apple Card customer care via phone to report the issue. 
XX/XX/year> : I followed up through their in-app messaging system. Their response included the following : " I understand this situation can be upsetting for multiple payments to be made to your Apple Card through your XXXX bank. The payments have been revoked and they were likely made in the XXXXXXXX XXXX or via a phone call. However, I can assist with creating a case and have a supervisor reach out to you within 10 business days via email. '' Despite this assurance, I received no follow-up or resolution from Goldman Sachs within the promised 10-business-day timeframe. 
XX/XX/year> : Concerned that the payment was due on the same day, I contacted their customer service again. This time, I spoke with a supervisor named XXXX, who responded : " I understand your concerns, this has been escalated for you, and I can assure you everything will be evaluated to make sure your account is in good standings. You will receive a call or email in regards to a response of this escalation. If you don't answer, they will leave a voicemail. '' Unfortunately, as of XX/XX/year>, it has been exactly one month, and I have yet to receive any communication from Goldman Sachs regarding the escalation or my dispute. 

Concerns and Impact : Double Charges : I have been overcharged a total of {$890.00}, which remains unresolved. 
Failure to Address Complaint : Goldman Sachs has failed to honor its commitment to follow up within 10 business days. 
Lack of Customer Support : Despite my multiple attempts to resolve the issue, I have been met with repeated delays, vague assurances, and no tangible action. 
Emotional and Time Strain : This experience has caused significant frustration, wasted time, and unnecessary stress. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: NY

Complaint narrative:
Subject : Request to Block and Delete Fraudulent Accounts under 15 U.S.C. 1681c-2 ( a ) To Whom It May Concern, On XX/XX/XXXX and XX/XX/XXXX I forwarded correspondence demanding that you block and delete fraudulent accounts and information appearing on my credit report as a result of identity theft, pursuant to 15 U.S.C. 1681c-2 ( a ) under the Fair Credit Reporting Act ( FCRA ). I was a victim of the Transunion data breach, and my personally identifiable information was compromised, leading to unauthorized accounts being opened in my name. To date, the below items remain on my credit/consumer reportTHIS IS not my THIRD formal request the immediate blocking and deletion of fraudulent accounts and information appearing on my credit report as a result of identity theft, pursuant to 15 U.S.C. 1681c-2 ( a ) under the Fair Credit Reporting Act ( FCRA ). I was a victim of the Transunion data breach, and my personally identifiable information was compromised, leading to unauthorized accounts being opened in my name. The fraudulent accounts in question are as follows : Account Name XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX : As per 15 U.S.C. 1681c-2 ( a ), you are required to block and delete the disputed information within four business days of receipt of this request. Additionally, you must cease reporting these accounts to any third party. I expect a written confirmation from your office once the fraudulent accounts have been blocked and removed.

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 2024-12-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax for their failure to remove inaccurate debt information from my credit report, despite multiple disputes and clear evidence of errors. 

Details of the Complaint : Erroneous Debt Entry : XXXX XXXX XXXX has reported a debt under the name " XXXX XXXX '' associated with an address on XXXX XXXX. My legal name is XXXX XXXX, and I have never resided at the mentioned address. Additionally, I have no affiliation with the alleged debt. 

Equifax 's Inaction : I have disputed this inaccurate information with Equifax multiple times, providing documentation to support my claims. Despite this, Equifax has failed to remove the erroneous entry, allowing the false information to persist on my credit report. 

Impact : The continued presence of this inaccurate debt on my credit report has caused significant harm to my creditworthiness, leading to financial and reputational damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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:
Im writing today to voice a concern about an issue which the credit bureau has not complied with. This account is in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the item nor done any level of investigation to support their position. I need this account removed due to the rules of estoppel. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I was emailed to see if I wanted to do a painting project and we accepted it. The scammer sent us a check for XXXX and we were told by the bank customer service rep that the check had cleared the scammer wanted us to cash a check and then send the money out to pay for vendors for paint and materials. 
The check was fraudulent and the money was already sent to the scammer of {$3900.00} and the check Was sent back as fraudulent and Im out the {$3900.00}. Im trying to receive my money back because I had no idea that this person was a scammer and took all my money. Please help Im devastated that my money was stolen from a scammer, and the bank is not giving my money back. Please help. 

XXXX XXXX XXXX oh my God

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: TX

Complaint narrative:
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My account is charge off and seeing the company wrote it off as a profit loss i was told i was getting a 1099-c i requested so i can then write it off as income. Their reporting charge off on my credit report and are taking a tax break. I will sue this company for statuary damages and suing them for fraud and will notify the IRS. if this company is willing to remove account from my credit report then i will close my complaint out with no further action and will write it off on my 1040 as income using a 1099-c Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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 insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: World Acceptance Corporation
State: TX

Complaint narrative:
My information was included in a data breach in XXXX XXXX XXXXXXXX. Where my social security number and ID was compromised. There have been several account appearing on my credit that I did not open nor have I ever had a relationship with these entities. I would like these items removed from my credit report as they are becoming a hinderance. The accounts are as followed : XXXX XXXX {$250.00}, world finance {$680.00}, XXXX XXXX {$950.00}.

Company response to consumer: Closed with explanation