vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-29 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: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
This is the third of a related complaint. Background : I had an affordable apartment approval revoked due to inaccuracies on XXXXXXXX XXXX credit report. 

One of those errors was Apple credit card. I made my final settlement payment on XXXX and was told in 30 days it would reflect as " settled paid in full ''. 30 days later, it did not, so I called. A supervisor said they would escalate. Around XX/XX/XXXX, the affordable unit I had been approved for was denied, citing the credit cards as the only reason. I called Apple again and was told it would take another 30 days and the issue was escalated to upper management. 

Sometime in XXXX, upper management denied the dispute, saying that it was reported as a XXXX balance " paid in full '' and they had no control over the credit bureaus reporting it correctly or not. They also issued a dispute with the credit bureaus, without my authorization. Please note, that some apartments will not approve a lease when you have an open dispute. I did not authorize Apple to initiate a dispute with the credit bureau. 

I just called again today and the supervisor acknowledged the error and that upper management should not have denied the dispute. He opened a new dispute with another level above upper management and said it would get resolved in 1-3 days. However, the damage is already done and they are not offering compensation for any of this. 

No one has ever disputed that the balance is XXXX as a paid-in-full settlement. 

Also, I checked the credit reports today and saw the " disputed '' code on the Apple card. After my call with upper management today, I noticed the " disputed '' code had been removed, just an FYI.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: PA

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-05-29 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: PA

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
My problem is with Chime, Credit Card and XXXX XXXX on XX/XX/XXXX. I was alerted at about XXXX XXXX  and asked if I was making a transaction of {$300.00}. I said no immediately I was asked to call Chime and speak with a representative right away while I was on the phone with them trying to get my card turned off three more transactions came through within six minutes and between XXXX and XXXX XXXX  A transaction of XXXX went through another XXXX last transaction {$100.00}. I had them shut my card off and file the dispute. I also called and filed the police report. I have called the store manager at XXXX on XXXX XXXX and XXXX XXXX California. she said it clearly was not me, there was a woman trying to use several different cards of mine and was unsuccessful and she believes that somehow she bypassed my password and ran it credit that she would burn a copy of the video that her name is XXXX. She is the store manager and her assistant store manager is XXXX, and the detective can come in anytime and pick up the video XXXX XXXX Police Department and asked a detective to pick up what she called me later and said that he did pick the video up I sent chime pics of the police report And all supporting documentation that I could possibly give them as to my phone call to Chime pictures of the transactions and what time they came over and the timeframe that I was on the phone with Chime and theyre saying theres no errors detected I have Done For rebuttals and have been denied for the total of five times now with really no explanation other than theres no air detected they have given me no proof of an investigation or any determining factors and investigation a police report phone calls with the store manager of a video a letter to Chime and I have tried to be professional and courteous the entire way I need help getting my money back 100 % total and permanent XXXX veteran XXXX  XXXX on a fixed income. I shouldnt have to be fighting for my money when its FDIC Insured I have called the OCC. I have contacted the XXXX XXXX XXXX and I have contacted the fdic

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-29 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: LA

Complaint narrative:
I recently pulled my credit report and noticed several addresses that were unfamiliar to me. I did not recognize these residences and I am sure I have never lived at them either. My address is XXXX XXXX XXXX XXXX, LA XXXX and should be reported as such. If anything, else is listed, please delete immediately. I have included proof of my identification in this letter to make this request easier and quicker for you all to execute. 
In accordance with the Fair Credit Reporting act. below has violated my federally protected consumer rights to privacy and confidentiality under the following : 1. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 : This law regulates the collection, dissemination, and use of consumer credit information, including requirements for accuracy and completeness of consumer reports.

2. Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692 : While primarily focused on debt collection practices, inaccuracies in credit reporting, including incorrect addresses, can also implicate FDCPA provisions, particularly regarding the accuracy and fairness of debt collection activities.

3. Gramm-Leach-Bliley Act ( GLBA ) - 15 U.S.C. 6801-6809 : This law governs the collection and disclosure of consumers ' personal financial information by financial institutions, including credit reporting agencies. Inaccurate reporting of addresses may raise concerns about the safeguarding of personal information under GLBA.

4. Regulation V ( 12 CFR Part 1022 ) - The implementing regulation for FCRA, issued by the Consumer Financial Protection Bureau ( CFPB ). It provides detailed requirements for the accuracy and integrity of consumer information maintained by consumer reporting agencies.

5. Regulation F ( 12 CFR Part 1006 ) - Implementing regulation for certain provisions of the FDCPA, issued by the CFPB. While primarily focused on debt collection practices, inaccuracies in credit reporting, such as incorrect addresses, can also implicate Regulation F provisions regarding the accuracy and completeness of information provided to consumers.

These laws and regulations aim to ensure the accuracy, fairness, and privacy of consumer credit information, including accurate reporting of addresses by credit reporting agencies. Violations of these laws can result in legal consequences and penalties for the agencies involved.

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 2024-05-29 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: LA

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 seven 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 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

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 seven 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 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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 seven 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 2024-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
My Loan was transferred from Nationstar Mortgage dba Mr Cooper to another mortgage servicer on XX/XX/2023 and they are reporting incorrect information to the credit bureau. I made an agreement with Mr Cooper in XX/XX/2023 when I lost my job and they offered forbearance. My loan was paid on time and through XX/XX/2023. I was assured because I called and we have this deal, my credit would most likely not be affected. 
I was hesitant to sign because I was not late when I reached out to Mr Cooper with full intentions on paying my obligations. 
As agreed, I caught up on my loan payments on XX/XX/2023 and I was back on track. 
Mr Cooper is not only reporting my late payments, which is against the agreement I signed under duress, but also reporting in XX/XX/2023 I was 60 days past due, then 90 in XXXX, etc. 
I don't believe this is correct - not only did they lie about not affecting my credit, but they also began reporting at sixty days, not thirty.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Management Services, Inc.
State: CA

Complaint narrative:
I noticed a collection account on my credit report. I called the phone number listed in the credit report. A woman replied the following morning. I spoke to her to gain knowledge of the debt this company with the name of Account Management Service 's was attempting to claim an amount owed to them of {$31000.00}. I inquired upon which medical facility was this collection account associated with a company named XXXXXXXX XXXX I had received services from this company and paid this bill in full while receiving treatments, I called to confirm this immediately following the phone call from this Account Management Services. XXXX XXXXXXXX confirmed I had no remaining or out standing bills to this facility. 
I then called my legal counsel and he confirmed as well to be on the lookout for a company named XXXX. XXXX XXXX who at one point in time provided lien upon settlement for medical treatment I received from injury I experienced in an automotive accident many years ago. I actually spoke with this company in XXXX and they confirmed that I did not owe this company for their services due to the fact there was no settlement on the auto accident, my attorney also stated that any attempt to collect funds is " Time Barred '' over 4 years have passed to even attempt to collect this debt is beyond the legal parameters. 
I spoke with Account Management Services on Wednesday XX/XX/XXXX which is the same phone conversation I mentioned earlier. The company Account Management Services is not listed as a company licensed within the State of California in the United States of America as a Debt collection company. I confirmed this on dfpi.ca.gov the State of California Department of Financial Protection & Innovation website to gain information about I assume a fictitious business attempting to illegally extort or steal money from individuals. 
I have experienced credit damage, loss of residence and employment opportunities and this is continuing to be my experience with the damage I've incurred from this debt collector and the unlawful fabrication of debt as well as emotional distress I am experiencing. 
I am submitting this to One clear my credit report of this damaging conduct and Two I hope these criminals are prosecuted and incarcerated to prevent this type of theft, Larceny or Extortion from happening within any other persons life. 
I don't know if there is an association between these Two companies but suspect Account Management Services to be acting as an unlawful extortion operation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am requesting a check in the amount of {$3500.00} that was written out to me by XXXX XXXX. 

I don't know the exact date of issuance, but I believe it was early in XXXX, when I deposited my check into Truist bank. The check number is XXXX. 

The problem is that my funds have been held for over a year, and I believe this is unlawful. Additionally, the bank has given me no updates, and the business has not tried to resolve the problem. 

Thank you for your attention to this matter.

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 2024-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I opened a claim thats been going on with my account they replaced my card linked it to my wallet and all that to all my reoccurring payments and they took money from my account a couple times and now I made a claim again and reported the problem and they decline my claim and changed my card update my card to all my payments and again they took a lot of money away and called again and they claim and now they refund of XXXX only but not the rest of the claim and now they called to confirm email and stuff and said they are closing my account due to fraud prevention so now I wont be able to open a account somewhere eles beside of them not blocking Reoccurring payments one after other one I have Printed all Bank statements and all and its impossible they wouldnt block my card after all that and now I got a email saying they are closing all my accounts for just making a claim and reporting fraud from my own money they cant keep save and now they willl just close my account and not give me my stolen money I will be reporting all this and already talking to a lawyer and taking all the paper work to him to handle this matter cant believe I got my money token away and now only cause i report it they want to close my account I will sumitting it to a news station so I can get help so people can be aware of Wells Fargos Practices

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 2024-05-29 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: PA

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: IL

Complaint narrative:
I am writing to formally dispute several unauthorized inquiries that are currently listed on my credit report. Despite my previous requests to remove these inquiries, they remain on my report and continue to affect my credit score negatively. 

Inquiring Company : XXXX Date of Inquiry : XX/XX/2023 Inquiring Company : XXXX Date of Inquiry : XX/XX/2023 These inquiries were made without my permission and constitute a violation of the Fair Credit Reporting Act ( FCRA ). According to the FCRA, only inquiries that I have explicitly authorized should appear on my credit report. I have never applied for credit or given my consent for these companies to review my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief