vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-11 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: GA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-12-11 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: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate information that has been reported on my consumer file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to accurate and complete information in my consumer reports, and I believe the following item ( XXXX ) to be erroneous : - Creditor/Company Name : XXXX - Account Number : XXXX - Inaccurate Information : - The XXXX report XXXX the account as having " 0 months ( terms ), '' which is inconsistent with XXXX and Experian, which correctly report " 120 months ( terms ). '' This inconsistency creates confusion and misrepresents the accounts terms. 
- Experian includes a " CONSUMER STATEMENT ITEM IN DISPUTE BY CONSUMER, '' which is not present in XXXX or XXXX reports, suggesting unresolved disputes. 
- The " Date Last Active '' is listed as " XX/XX/year> '' in XXXX, whereas XXXX and Experian correctly report " XX/XX/year>. '' - The " Date of Last Payment '' is reported as " XX/XX/year> '' by XXXX, while XXXX and Experian accurately list it as " XX/XX/year>. '' - Experian includes comments regarding a " CONSUMER STATEMENT, '' while this field is blank for both XXXX and 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 2024-12-11 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: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate information that has been reported on my consumer file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to accurate and complete information in my consumer reports, and I believe the following item ( XXXX ) to be erroneous : - Creditor/Company Name : XXXX - Account Number : XXXX - Inaccurate Information : - The XXXX report XXXX the account as having " 0 months ( terms ), '' which is inconsistent with XXXX and Experian, which correctly report " 120 months ( terms ). '' This inconsistency creates confusion and misrepresents the accounts terms. 
- Experian includes a " CONSUMER STATEMENT ITEM IN DISPUTE BY CONSUMER, '' which is not present in XXXX or XXXX reports, suggesting unresolved disputes. 
- The " Date Last Active '' is listed as " XX/XX/year> '' in XXXX, whereas XXXX and Experian correctly report " XX/XX/year>. '' - The " Date of Last Payment '' is reported as " XX/XX/year> '' by XXXX, while XXXX and Experian accurately list it as " XX/XX/year>. '' - Experian includes comments regarding a " XXXX XXXX '' while this field is blank for both XXXX and 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 2024-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
My Apple ID ( XXXX ) was compromised. Was told to close and payoff my credit card and re applied. A new application was placed under XXXX whats so ever the application keeps on review 2-3 weeks and gets an we encounter an apllication glitch please apply again this is an infinity loop and I cant get approve.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: WA

Complaint narrative:
XX/XX/XXXX Unable to log into XXXX XX/XX/XXXX Reviewed XXXX XXXX XXXX XXXX and discovered PII on dark web ( SSN, Addresses, Names, Phone Numbers, Accounts ) XX/XX/XXXX Called Experian at XXXX to report account fraud. Representative advised to call another number and ask for account services. It was the same number. 
XX/XX/XXXX Called Experian at XXXX and asked XXXX for account services. XXXX refuses to transfer to XXXX and disconnected call.

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 2024-12-11 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I requested the removal of the inaccurately reported accounts from my credit report on XX/XX/24. The account is Portfolio Recovery # XXXX and requested proof of debt, and was told he was not able to provide to me. This company has been harassing me with phone calls, emails and even text messages. I do not owe this debt and need harassment to stop immediately, and this collection account removed from my credit report or provide me with a copy of all of the following : 1 ) An explanation of what this alleged account balance is for. 2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 3 ) Documentation that shows I agreed to pay this debt. Provide the original signed contract or agreement between myself and the original creditor that created the debt. 4 ) The bill of sale or assignment between the original creditor and your company. 5 ) The agreement that grants you authority to collect on this alleged debt. 6 ) Proof of permi
ssible purpose for your company to report on my credit file.

7 ) A copy of your state license, including license number.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
I have contact Aldous & Associates several times regarding this debt since XXXX, i informed them that the debt isnt mine and it was removed from my credit, but later put back on in XXXX of XXXX. I have informed them that i did not co sign a rental apartment and my identity XXXX have been stolen and i had taken steps to freeze and lock my credits. The debt isnt mine. Aldous has not sent me a letter verifying that i owe the debt and they have been blowing up my phone. I have tried to contact them over the phone to let them know to send me a verification letter but they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
There were XXXX fraudulent bankruptcies on my report Equifax and XXXX have removed all three transactions union has removed one which is XXXX but they refuse to send me a debt validation letter in writing and I asked several times I also had XXXX and XXXX  do the same thing but each bureau has removed them from my credit report except XXXX and they know that its fraud DEBT VALIDATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX XXXX XXXX XX/XX/XXXX DEBT VALIDATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX, GA XXXX RE : Last XXXX SSN To Whom It XXXX Concern : I am writing this letter to dispute the following accounts : Bankruptcy # XXXX and # XXXX both are fraudulent XXXX removed XXXX but not the other XXXX after several recordings I have of them saying they were fraudulent and going to be removed. 

XXXX # XXXX there was never any balance as it was a secured prepaid credit card and I could only use what I put on the card so its very inaccurate and harmful to my credit XXXX XXXXXXXX # XXXX this account was opened over a phone call using my personal information at an address I have never lived at and was included in a fraudulent bankruptcy which these have been deleted by XXXX and working on Equifax This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per XXXX ) XXXX. Negligent Enablement of Identity XXXX. XXXX XXXX Collections Practices Act 15 USC 1692g XXXX. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There were three fraudulent bankruptcies on my report XXXX and Experian have removed all three transactions union has removed one which is XXXX but they refuse to send me a debt validation letter in writing and I asked several times I also had chime and fingerhut do the same thing but each bureau has removed them from my credit report except XXXX and they know that its fraud DEBT VALIDATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX XXXX XXXX XX/XX/XXXX DEBT VALIDATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Last 4 SSN To Whom It May Concern : I am writing this letter to dispute the following accounts : Bankruptcy # XXXX and # XXXX both are fraudulent XXXX removed one but not the other two after several recordings I have of them saying they were fraudulent and going to be removed. 

XXXX  # XXXX there was never any balance as it was a secured prepaid credit card and I could only use what I put on the card so its very inaccurate and harmful to my credit XXXX  XXXX # XXXX this account was opened over a phone call using my personal information at an address I have never lived at and was included in a fraudulent bankruptcy which these have been deleted by Experian and working on XXXX This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1.
Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud3. Fair Debt Collections Practices Act 15 USC 1692g violations4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, 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 2024-12-11 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: OK

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and 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 non-monetary relief
Consumer complaint received 2024-12-11 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: NV

Complaint narrative:
My ID was stolen and someone opened credit accounts in my name. As well as personal and auto loans. I file a id theft report and sent it in to the credit bureau and they completely ignored it.

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 2024-12-11 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: NV

Complaint narrative:
My ID was stolen and someone opened credit accounts in my name. As well as personal and auto loans. I file a id theft report and sent it in to the credit bureau and they completely ignored it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate information that has been reported on my consumer file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to accurate and complete information in my consumer reports, and I believe the following item ( XXXX ) to be erroneous : - Creditor/Company Name : XXXX  - Account Number : XXXX - Inaccurate Information : - The Equifax report XXXX the account as having " 0 months ( terms ), '' which is inconsistent with XXXX and XXXX, which correctly report " 120 months ( terms ). '' This inconsistency creates confusion and misrepresents the accounts terms. 
- XXXX includes a " CONSUMER STATEMENT ITEM IN DISPUTE BY CONSUMER, '' which is not present in XXXX or Equifax reports, suggesting unresolved disputes. 
- The " Date Last Active '' is listed as " XX/XX/year> '' in Equifax, whereas XXXX and XXXX correctly report " XX/XX/year>. '' - The " Date of Last Payment '' is reported as " XX/XX/year> '' by Equifax, while XXXX and XXXX accurately list it as " XX/XX/year>. '' - XXXX includes comments regarding a " CONSUMER STATEMENT, '' while this field is blank for both XXXX and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: OR

Complaint narrative:
Fraudulent and unauthorized information continues to plague my consumer report despite multiple attempts to resolve the issue. These inaccurate items, resulting from identity theft, have caused profound personal and financial distress, significantly impacting my life and well-being.

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 2024-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Bank of America overpaid my online bill payment to XXXX XXXX Account XXXX The payment was for {$85.00} dollars, but Bank of America sent XXXX dollars. Please note that I did not have XXXX dollars in my account and never have. So now my account shows a negative XXXX dollars as a balance. They took my personal money of XXXX dollars and then ran my account negative to {$80000.00} dollars. What bank does that? If the money is not in the account, they should not pay the bill. They Bank stole my money, and I want it back. I have no money to eat, no gas money for my car, no XXXX money. Each time I spoke to the bank after a very long hold, it was a different story each time. The first time they state it was an error, and it should reset at midnight-last night. That did not happen. It still shows a negative XXXX dollars. Today they state it will take 3 days to have the money back in the account. This is a banking error so they should absorb the XXXX error. As long as this money is out there in cyber space, the banks can use it. XXXX XXXX XXXX. The banks stole a lot of money doing this exact thing. In the meantime, people like me suffer. The banks should pay for all of 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 explanation
Consumer complaint received 2024-12-11 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 hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Aqua Finance, Inc.
State: CA

Complaint narrative:
On XX/XX/year> I wired {$31000.00} to XXXX XXXX from my XXXX XXXX checking account. The transaction was done correctly with the right wire ( account ) information. It has been received by XXXX as XXXX XXXX did an investigation. XXXX XXXX is not cooperating in searching for it. I have called daily and been told I can not speak to the department that handles the wires but that they will reach out. Of course no one has called or emailed me back. I am lost at what to do next. In the meantime I'm accumulating high interest and late fees. I don't have the means to pay this loan off again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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:
" 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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: NJ

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 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