vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I opened my Marcus by Goldman Sachs account on XX/XX/XXXX. I received a welcome email on XX/XX/XXXX. I then added my XXXX savings account to transfer money to my XXXX  with Marcus. It took a couple days for Marcus to verify the bank account with me. On XX/XX/XXXX I received an email from Marcus saying they received my {$6000.00} transfer from my XXXX savings account to my Marcus XXXX. On XX/XX/XXXX I logged into my Marcus account through the App and realized they had opened XXXX XXXX for me so I closed one. I received an email confirmation that one of the two savings account was closed on XX/XX/XXXX. I looked on the app and they did close XXXX account and I still had the {$6000.00} in the other which is what I wanted. On XX/XX/XXXX I received an email from Marcus that the delivery of my statements was changed and if I did not do this to check my account and contact them. On XX/XX/XXXX I logged into my app because I did not request a change and when trying to log in with Face ID I was locked out. A screen saying I was locked out and to call them to unlock it popped up. I called Marcus as soon as that happened on XX/XX/XXXX. I talked to two people. The first woman transferred me to a man who said he could not authenticate the account and he will contact the review team to give me a call. I then ended that call. On XX/XX/XXXX I called back again to see if someone else could help. Again, I talked to two people and the outcome was the same. They said the review team would contact me in XXXX days and they have still not contacted me. I also asked why I am locked out and why they can not authenticate the account and they said they could not tell me. I then asked if the money could be transferred back to my XXXX  account it came out of and I could close the account and they said they can not do that until my account is unlocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: NV

Complaint narrative:
I reported two transactions for {$29.00} from an online company that I have nothing to do with and I did not authorize and I did not purchase. It looks like some identity theft, some kind of credit check company and its been three different transactions one for XXXX XXXX  one for XXXX on XX/XX/XXXX and one for XXXX on XX/XX/XXXX and Since I made the complaint earlier, I see one of the {$29.00} charges as a provisional credit right now on my account and a XXXX charge is also on there but the other XXXX is from a company like XXXX its a variation of the other one. Its not even the same name but its the same place I think and I want that money too. That was already denied and I dont understand why they keep denying me things that I didnt do so I dont see a provisional credit of XXXX. That should be twice

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: NY

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I was fully aware of being a victim of identity theft around XXXX of 2022 an until today i am having issues with reporting agencies removing this accounts from my credit report. I can never verify my identity any where. I am not able to do anything when it comes to credit. i have sent certified mail 3 times within the last years verifying my identify and other documentations.

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 2024-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: GOLD STAR MORTGAGE FINANCIAL
State: CA

Complaint narrative:
We have requested these documents in writing via certified mail to XXXX XXXX, Chief Legal Counsel for Gold Star as of XXXX and confirmed Gold Star received this request. Gold Star has ignored our request.

1. Settlement Statement ( HUD-1 ) or other legal government loan document used by Gold Star Mortgage Underwriting prior to disbursing funds and signed by Gold Star employee ( s ) as part of the settlement package to confirm for Centennial Escrow that the name of the party to be paid as seller was correct and that Gold Star was in agreement with Centennial to disburse loan funds to the party named on this document. 

XXXX. Please provide Gold Star 's copy which was actually signed by the Gold Star employee who is responsible for approving Gold Star fund disbursal from Gold Star to Centennial Escrow on XXXX. 

3. All signed Estimated Settlement Statements and Final Settlement Statements produced by Centennial Escrow and provided to Gold Star, whether signed or unsigned by Centennial Escrow or Gold Star employees.

4. A copy of the sales contract with buyer and seller ORIGINAL signatures, which, per Centennial Escrow, was requested by Gold Star on XXXX, after Gold Star had already received our XXXX sales contract dated XXXX and with the binding counter offer dated XXXX. 

5. Copy of the original VA Loan Notice of Value ( NOV ) signed by the Lender 's Staff Appraisal Reviewer or VA Staff Appraiser approving this property for a VA home loan as required prior to loan funding

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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:
In line with the Consumer Financial Protection Bureau ( CFPB ) guidelines, I have submitted the necessary documents : a photo ID, a utility bill, and a letter from an advocacy group supporting me due to XXXX XXXX debt bondage, which is covered under trafficking as per the Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ). I respectfully request that this information be blocked from my credit report within four business days, in accordance with Section 605C of the Fair Credit Reporting Act. I have provided the required identification and documents from the list of acceptable items, with only two being necessary under the law. Furthermore, I have included a victim determination letter as required by 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: PA

Complaint narrative:
I am writing to file a formal complaint regarding several accounts that appear on my credit report, specifically under the names of XXXX XXXX ( XXXX ) and XXXX ( XXXX ), which are reporting late payments with a XXXX balance, as well as XXXX XXXX ( XXXX ), which is reporting a charge off. I request the validation and verification of these accounts, as well as certified evidence demonstrating where I granted my consent for these accounts to be reported on my credit history. Based on this information, I believe these accounts are violating Title 15 of the United States Code in the following sections :

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 2024-08-06 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: NJ

Complaint narrative:
I found an inquiry on my Transunion credit report that don't belong to me. Spoke to Transunion representatives on XX/XX/year>, XX/XX/year> and XX/XX/year> and was told to file a FTC report and it would be removed. I filed the report and it has not been 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 2024-08-06 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account name XXXX XXXX XXXX, Account # XXXX, has violated my rights. 
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.

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 2024-08-06 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: CA

Complaint narrative:
I am writing to dispute the accuracy of several inquiries listed on my credit report. These inquiries were made without my explicit consent, and I believe they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( Permissible purposes of consumer reports ) and 15 U.S.C. 1681c-2 ( Limitations on information sharing ). 
The following inquiries are of concern : XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX. EXPERIAN XXXXXXXX XXXX  ( Date : XX/XX/XXXX ) XXXX. XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX ( Date : 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 2024-08-06 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: MD

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.

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 2024-08-07 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: MD

Complaint narrative:
This morning, I was incredibly shocked and dismayed to find incorrect accounts listed on my credit report. I usually review my report without issue, but todays discrepancies came out of nowhere. Refreshing my browser didnt fix the problemthe inaccuracies persisted. I urgently request a thorough review of the documents Ive provided so I can finally stop stressing over this.

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 2024-08-06 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: MO

Complaint narrative:
In XX/XX/year>, I checked my Equifax credit report and noticed inaccurate accounts reporting to my credit report. On XX/XX/XXXX, I placed a fraud alert on my credit report. On XX/XX/XXXX at XXXX XXXX, I called Equifax Customer Service but could not get through to a live agent. I decided to file an FTC police report with all the fraudulent accounts listed. On XX/XX/XXXX, I sent Equifax a certified letter with the FTC police report, including a dispute letter and proof of identity ( driver 's license, SSN card, and utility bill ), explaining to Equifax that these are not my accounts. 

On XX/XX/XXXX, I received a response letter from Equifax acknowledging the receipt of my information and stating that they will not block the information as they need to contact each creditor. They indicated that I should expect results within 30 days and requested that I resend proof of identity. On XX/XX/XXXX, I sent Equifax my proof of identification again via certified mail. 

After receiving my proof of identification again, I received another letter from Equifax on XX/XX/XXXX requesting once more the account names, numbers, and specific items that I am disputing. I had already provided Equifax with a detailed letter outlining the disputed items the first time via certified mail. On XX/XX/year>, I sent Equifax the same dispute letter via certified mail. 

On XX/XX/XXXX, I received yet another letter from Equifax requesting that I send proof of identity again. Due to my identity being stolen, I decided to submit a copy of my social security card with the first XXXX numbers redacted, as well as the initial digits of my driver 's license. Equifax is stating that my documents are illegible. 

Equifax 's actions appear to be stall tactics. This is a clear violation of the FCRA 605B, denying my rights to have these fraudulent accounts blocked. I have submitted the same documents to the other credit bureaus and they have assisted me by blocking the fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 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.

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-08-06 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: FL

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 XXXX  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 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 2024-08-06 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 implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 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: MD

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.

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 2024-08-06 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: World Omni Financial Corp.
State: FL

Complaint narrative:
I traded my previous car ( XXXX XXXX XXXX ) in with XXXX for another car. The dealership told me that they would take over the existing payments on the previous car and I would start a new lease on my current car ( XXXX XXXX XXXX ). It turns out they did not take over the payments/the outstanding amount on my previous car and I was never notified until it hit my credit report. When I called the company to dispute it they were not helpful. I ended up paying the amount off as soon as I realized what had happened and tried to resolve it with XXXX. I was told the salesman and finance XXXX that had helped me with the transaction no longer worked there so there was nothing they could do to help me. When I disputed this previously nothing was resolved. I have never once been late on a payment and was never given a chance to pay prior to hitting my credit report.

Company response to consumer: Closed with explanation