vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-12 00:00:00
Product: Credit card or prepaid 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: FL

Complaint narrative:
In working with Goldman Sachs who manage my Apple Credit Card, on the date of XX/XX/XXXX I submitted a credit card dispute for the amount of {$950.00} for a charge I was disputing for a hotel reservation at XXXX XXXX  XXXX XXXX XXXX in XXXX, FL. I have been now filed XXXX disputes for the same credit card charge with Goldman Sachs that has XXXX through today 's date and I continue to get no where in a resolution that is fair and just.As of today I also filed a XXXX dispute for the hotel company XXXX XXXX as well.This was for initial reservation I booked back approx. XX/XX/XXXX and within 4 hrs later cancelled the hotel reservation and at the time I was assured would not be billed as long as the reservation was cancelled within 24 hrs. I twice called the XXXX XXXX location, once the corporate office number then the actual location and each time was assured the reservation was cancelled although they refused to provide any documentation confirming cancellation. Because of my concerns with this, I filed a CC dispute and Goldman and Sachs refuses to take the additional steps to do a complete review even though I provided documentation clearly reflecting that because I cancelled my initial reservation with XXXX XXXX, I proceeded forward to book another reservation for the same dates ( XXXX XXXX ) through XXXX for the XXXX XXXX XXXX XXXX Goldman Sachs is saying that the hotel mentioned that I would of needed to call the day of my check in hotel to be refunded which makes no sense since the initial cancellation process required to be cancelled within 24 hrs which means if I booked the hotel on XX/XX/XXXX and called the hotel to cancel on XX/XX/XXXX, that would of been outside of the required 24 hr policy to cancel the reservation and be fully refunded. Please help as I feel like I have no where else to turn to and I am adamant I did the right thing and followed all processes to cancel this reservation initially with XXXX Day that no one seems to have record of now. The 3 dispute numbers filed with Goldman & Sachs are : XXXX ( initially filed on XX/XX/XXXX ), XXXX, XXXX ( filed today for 3rd time XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I want this late payment deleted from my account within XXXX  days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX Account Number : 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 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MO

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-01-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Revolution Financial Inc.
State: NM

Complaint narrative:
1 ) Funds debited to my account without my authorization, and against my specific request ( revoked authorization in XXXX, XXXX ) 2 ) Filed formal complaint with CFPB on XX/XX/XXXX 3 ) Liberty Loans response to complaint is : " that it does not belong to them ''. Reference CFPB complaint number XXXX. 

XXXX ) attached documents here in indisputedly shows that Liberty Loans is the party in question and is the responsible entity. 

XXXX ) Liberty Loans is a predatory lender and work for deceptive practices, even as indicated here in denying responsibility or knowledge of any loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card balance is not getting regularly updated with XXXX, TransUnion, or XXXX even though XXXX XXXX XXXX XXXX is submitting the information monthly. It is XX/XX/XXXX, but my account balance on my credit reports show that they have not been updated since 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 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
My XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card balance is not getting regularly updated with XXXX, XXXX, or Experian even though XXXX XXXX XXXX XXXX is submitting the information monthly. It is XXXX XXXX XXXX but my account balance on my credit reports show that they have not been updated since 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 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

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. 
XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, 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: MS

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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
This was my second time contacting Trans Union credit bureau about fraudulent activity, On my Credit report do to im a victim Of Identity theft, the criminal clearly found someway to contact TransUnion and provided all of his information, I already told Trans union that, That was the wrong information. They had the wrong name address, and a bunch of fraudulent inquiries that I never consent too. when I asked them to help me and change the information, They told me no I had to go to their maintenance and then hang up on me

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 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, 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:
I have tried several attempts to get the credit bureau to allow me my right by law to opt out and they have denied me several times. My first attempt took place on XX/XX/2022. Since then I have made 3 additional attempts in writing and by phone. They have also denied me my right by law to have all inquiries removed from my credit report that were not made with my knowledge of what was happening. Many companies use unfair and illegal tactics to have access to my credit as I explained to this credit bureau and they did not respond. I plan to send one last letter in an attempt to correct this issue in conjunction with this letter. 

I want to be clear that 15UFC6802 states that 15USC8802 states that it is illegal for the credit bureaus to not allow me to opt out of any information reporting to my credit report. They keep denying me that right. 

Debts and charge offs are certificates of indebtness by law and are forms of income. Income is not supposed to be reported on credit reports. 

It is unlawful to report transaction history. 

15CFR313 16CFR433.2 16CFR433.3 I have become homeless and not able to obtain a new home for me and my children as a result of credit bureaus breaking laws and being unethical. I also had lots of trouble obtaining basic transportation for me and my children due to the credit bureaus misrepresenting me on countless occasions to the banks, real estate companies, home financing, vehicle financing, business credit PG, and more. I have been humiliated, depressed, and no place to turn to. 

This misreporting has ruined my life. I made attempts to fix it in the past as well, but I am only reporting my most recent attempts.

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 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
In XX/XX/2022 Pentagon Federal Creit Union changed their reporting of discharged accounts and then reinserted the accounts, re-aging the reporting. Their action now makes it appear as if a XXXX XXXX XXXX  bankruptcy is now from XXXX XXXX. Their action has caused me to be denied credit and to be offered credit erms that would cost thousands of dollars more than had they not illegally re-aged their reporting. Their action caused a decrease in my credit score of 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 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
NOTICE OF DEFAULT & OPPORTUNITY TO CURE Reporting inaccurate information on my credit report, defaming my character and credit worthiness, without a permissible purpose to coerce me into paying a debt that I do not owe.

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 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am having the hardest time with Equifax. They are suppressing my credit report by putting a Block on internal Indicators that they use- please see pictures. 

They have blocked my report so that I am UNABLE to view my credit report AND potential lenders are UNABLE to view my credit report. I have called them 14 times within the last week since XX/XX/2022 to resolve this issue. I have also submitted the documents that they requested- see XXXX XXXX XXXX XXXXXXXX. They received the documents and attached them to my Equifax file within their computers. 

On the last two phone calls, I was told that they would remove the blockage and that I should be able to see my credit reports within 24hours. Equifax even gave me a XXXX XXXX XXXXXXXX for " Block Removal on Indicators ''. That confirmation code is suppose to indicate that they have removed the blockage. BUT THEY HAVE NOT REMOVED IT - see pictures. 

I was told to call in and speak to the Office of Consumer Affairs- which I did. They said they had everything they needed and they would remove the blockage. THEY HAVE NOT. I have spoken to the Dispute Department, Fraud Department... 

I have called that number every time I log in and I still have not gotten my credit report to populate and not show a blank report. THIS IS WRONG AND I WANT IT FIXED. Please help. 

That is wrong and it is suppressing me. Equifax is bullying me and hold my financial XXXX XXXX That is illegal. 
WHAT NEEDS TO HAPPEN SO THAT THIS ISSUE CAN BE RESOLVED EQUIFAX????

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: LA

Complaint narrative:
My XXXX and I sold our home in XXXX of XXXX, and moved out of state. We cancelled our security service with XXXXXXXX XXXX at that time, which was an ordeal, because my XXXX tried XXXX  times to call and set a cancellation date, but they wouldn't complete it without me on the line. We finally managed to find time to call to cancel it about a XXXX  after we moved and sold the home ( about XXXX XXXX ) while we were in the car. The XXXX representative placed the account on hold during the prior call my XXXX  made to them between XXXX XXXX XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ), I received a collection notice from XXXX and XXXX XXXX XXXX XXXXXX/XX/XXXX ) I received XXXX bills ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) which had been bouncing around the postal system 's mail forwarding system from XXXX regarding XXXX unknown account at our old address. Apparently, they bought XXXX sometime around the time of our sale, and our account wasn't cancelled, or was reopened in ADTs system. Since this was brought to my attention XXXXXXXX XXXX XXXX I have attempted to contact XXXX about this, and have been told there is nothing they can do about it, since they referred it to a collection agency. The collection agency has been contacted and has received copies of the closing details, but since they don't have records about the origin of the debt, they don't know whether they'll be able to do anything about this or not. 

In the meantime, while I wait on hold endlessly on the XXXX phone system for the XXXX XXXX in a row, I am writing a complaint, because this is something that could have easily been avoided, and if they could take the time to admit their mistake and correct it would not be wasting days of my time trying to deal with it, assuming that I am even able to deal with it, since everyone has already washed their hands of it. XXXX XXXX and XXXX did a poor job of handling their own records, and XXXX is trying to make me pay for a bill for services they never rendered to me, at an address that I do not own, under an account that I never authorized.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently pulled my credit report and was shocked and upset to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove from credit report as 15 U.S Code 1681 is law please honored law and remove the negative items attached to my report. I am a victim!

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