vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I've submitted several requests for investigation on inaccurate accounts on XX/XX/year> and XX/XX/year>, but the company has not started the investigations. Instead, they have stated that it appears as though my letter was sent by a third party ; however, there is no third-party company submitting my dispute letter. I've also called them on 5 different occasions between XX/XX/year> and XX/XX/year> to which they verified my account, by when I send my exact dispute letter, they send me the same generic letter. This is costing me a financial burden and is preventing me from obtaining a mortgage with my wife.

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 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've submitted several requests for investigation on inaccurate accounts on XX/XX/year> and XX/XX/year>, but the company has not started the investigations. Instead, they have stated that it appears as though my letter was sent by a third party ; however, there is no third-party company submitting my dispute letter. I've also called them on 5 different occasions between XX/XX/year> and XX/XX/year> to which they verified my account, by when I send my exact dispute letter, they send me the same generic letter. This is costing me a financial burden and is preventing me from obtaining a mortgage with my wife.

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 2024-07-17 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:
I am writing to urgently address an issue concerning my credit report. Upon reviewing it, I have discovered this unauthorized account that has adversely affected my creditworthiness. I firmly believe this account is the result of identity theft and require immediate attention and resolution. I want to clarify that I did not initiate or authorize this account. This has been fraudulently opened without my consent or knowledge. To address this, I have reported the suspected identity theft to the relevant authorities, including filing a report with the Federal Trade Commission ( FTC ). I have attached a copy of the Identity Theft Report filed with the FTC for your reference. 

I kindly request that you conduct a thorough investigation into the validity of this account and take appropriate actions to remove it from my credit report. This account is not the result of any legitimate transaction or credit application made by me. 

XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-07-17 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: NY

Complaint narrative:
I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my accounts. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the companies linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. 

It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report this late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-17 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: Experian Information Solutions Inc.
State: TX

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 each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

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 2024-07-17 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: TX

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized inaccurate personal infomation made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized inaccurate personal infomation made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2024-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
XX/XX/XXXX Received text from BMO bank that my check had cleared my account. 
XX/XX/XXXX Received another text about a cleared check. Since I had not written any more checks - I checked my account online. Two ( 2 ) Fraudulent checks had been processed on my account- I made copies of the checks. 
XX/XX/XXXX I called XXXX in am and informed them of the Two ( 2 ) Fraud checks. They took note of checks, put hold on my compromised account and told me to go to my local branch on Monday. 
XX/XX/XXXX Went to my BMO branch office here in XXXX XXXX, AZ. They took all my info, I gave them copies of Fraudulent checks. They opened me another checking account & also a new savings account. 
XXXX & XXXX XXXX - Many phone calls made to XXXX- they never let me talk directly to the Fraud Dept. They said that I had to go thru my branch office. My branch office sent Two ( 2 ) - Affidavit of Forged or Altered Checks Forms - XXXX and XXXX. 
XX/XX/XXXX The bank XXXX  out my new checking account - transferred $ to my old compromised account. 
XX/XX/XXXX They CLOSED my old, compromised account - SENT TO XXXX A TOTAL DUE of {$650.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: SC

Complaint narrative:
On XX/XX/XXXX my Apple Card ( XXXX original card number before it was changed ) was charged {$100.00} by XXXX. This charge came from an XXXX account I don't have access to. It belongs to my ex-wife, XXXX XXXX. A different card was used in XXXX for the annual subscription and when that card didn't work they used my Apple Card. I didn't know my card was even setup to be used. 

On XX/XX/XXXX I called XXXX and asked for a refund. They said they would refund me, but they never did. I called XXXX again and they told me that because more than 15 days had passed their system would not do the refund. 

On XX/XX/XXXX I disputed the change with Apple worried that XXXX wouldn't issue the refund. 

On XX/XX/XXXX Apple denied my dispute and put the charge back on my card. I requested an appeal and they removed the charge while they investigate. 

On XX/XX/XXXX Apple denied my dispute. I requested an appeal and they removed the charge while they investigate. 

On XX/XX/XXXX Apple denied my dispute. I requested an appeal and they removed the charge while they investigate. 

In all cases I was never told why they denied my dispute. The people I spoke to on the phone couldn't answer my questions and I never could speak directly to the those responsible for investigating disputes. 

Thanks, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I received a credit card in the mail I did not apply for. I called the bank who issued it and let them know and they canceled it and said they would notify the credit bureaus. They first said they could send me a copy of the application, but then they said there was a very lengthy process for this, including hard copies of forms mailed to me that needed to be notarized and sent back, so I declined. 

What else should I do to protect myself? And I have a paid subscription to XXXX, which did not alert me to this at all. I haven't been able to contact XXXX to alert them and find out what to do. I'd like to report them too.

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 2024-07-17 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: TN

Complaint narrative:
I am deeply troubled by the presence of this late payment on my account, given my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.

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 2024-07-17 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: TN

Complaint narrative:
I am deeply troubled by the presence of this late payment on my account, given my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.

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 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the bankruptcy information listed on my credit report under the Fair Credit Reporting Act ( 15 U.S. Code 1681b ). According to my credit report, there is an entry related to a bankruptcy that I believe to be incorrect. 

Please investigate the following bankruptcy information and remove or correct any inaccuracies : Bankruptcy Case Number : XXXX Filing Date : XX/XX/year> Court Location : XXXX XXXX  XXXX In accordance with 15 U.S. Code 1681b, which outlines the permissible purposes for accessing and sharing credit information, I am requesting that you : Verify the bankruptcy information : Conduct a thorough investigation to verify the accuracy of the bankruptcy information listed on my credit report. 

Provide documentation : Provide me with copies of all documentation and records used to verify the bankruptcy information. 

Remove or correct inaccuracies : If the investigation reveals that the information is inaccurate or can not be verified, please remove or correct the bankruptcy entry from 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
Consumer complaint received 2024-07-17 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: OR

Complaint narrative:
On XX/XX/2024 I received a notification on my phone regarding a pending charge that I did not make ( {$730.00} transaction from XXXX * XXXX on XX/XX/2024 at XXXX XXXX. ). I contacted Apple Card Support ( Goldman Sachs Bank ) that same day and told them I did not make the charge. The bank opened a dispute, cancelled my card number, and issued a new card number. 
The following week I received a box of low value items I did not order from XXXX XXXX. I immediately called them and was told there was a fraudulent account set up in my name and not to return the items. I appears that I am a victim of what is commonly known as a package redirection scam. I estimate the value of the items I received to be less than {$10.00}. I have no idea where the other {$700.00} plus dollars of value went. I have been told by XXXX twice that the charges were fraudulent however I was also told that they couldn't put that in writing or provide any written documentation due to Company policy. 
I have been through several dispute cycles with Goldman Sachs Bank. They did provide some documentation which showed order details that were not my phone number, email, and not even my name. They keep denying the dispute because something was delivered to my house and say that I need to provide evidence that items were shipped elsewhere. This is impossible because I DID NOT ORDER anything and XXXX won't provide me with any additional information. 
The most egregious aspect of this entire situation is that I contacted Goldman Sachs Bank on the same day the pending charge appeared in my account. They could have stopped the transaction at that time but chose to let the charge go through and then try to force me to pay for it. I should not be responsible for any of this because it was an unauthorized transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have submitted multiple disputes and FTC report regarding these unauthorized and fraudulent inquiries on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these unauthorized and fraudulent inquiries and for assistance to remove them from my credit report immediately. They are not mine. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 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: FL

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-07-17 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: FL

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I recall on this day XX/XX/year> an account that contains a serious error. 
I am denied access to accounts of a valid state ID. My father ( XXXX, VA ), mother ( XXXX ), & grandfather 's ( ) are ( XXXX XXXX  ) " XXXX. '' who burned cross without a US clear XXXX  birth-given name bracket [ ] of XXXX in XXXX of California XXXX XXXX XXXX By error ; my application is stored as full name matching an illiterate person of US history abbreviated form XXXX. as account XXXX  when I own & provided with application a valid clear XXXX three letter first name of XXXX in state of CA.

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 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I recall on this day XX/XX/year> an account that contains a serious error. 
I am denied access to accounts of a valid state ID. My father ( XXXX, VA ), mother ( XXXX ), & grandfather 's ( ) are ( XXXX XXXX  ) " XXXX '' who burned cross without a US clear XXXX  birth-given name bracket [ ] of XXXX  in state of California , USA . By error ; my application is stored as full name matching an illiterate person of US history abbreviated form XXXX. as account XXXX. when I own & provided with application a valid clear creole three letter first name of XXXX  in state of CA.

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