vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-07 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'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXX*********** Balance Owed : {$2000.00} XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX  XXXX Balance Owed : {$2900.00}

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 2024-11-07 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXXXXXX XXXX Account # : XXXX XXXX XXXXAccount # : XXXX XXXX XXXX XXXX. Account # : XXXX XXXX XXXX XXXX XXXX. Account # : XXXX XXXX Account # : XXXX XXXX  Account # : XXXXXXXX XXXX XXXXXXXX Account # : XXXX XXXX. Account # : XXXX XXXX XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 2024-11-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: LCS FINANCIAL SERVICES CORPORATION
State: VA

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this Please supply me with a copy of any contract or agreement signed with your company or the original creditor In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, pleas inform them of my dispute regarding the validity of this debi Thank you for your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: CO

Complaint narrative:
The personal details on my credit report are incorrect. I've attached my documents for you to update the information.

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 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
The personal details on my credit report are incorrect. I've attached my documents for you to update the information.

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 2024-11-07 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: UT

Complaint narrative:
XX/XX/year>, XXXX XXXX services know if you're approved with no credit score impact before you accepted the offer with a soft pull Again on XX/XX/year> they did a hard pull I called XXXX XXXX times they told me to write to the XXXX department and I wrote out the letters and sent them by mail with no callbacks or responses I talked to Experian as well and they told me to contact you and the FTC which I will do next. 

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 2024-11-07 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: GA

Complaint narrative:
{$670.00} - XXXX - This charge was never made by me, yet my fraud dispute was denied by Goldman Sachs. According to the airline- this was made in XXXX XXXX i Live in the US. XX/XX/year> {$21.00} - XXXX XXXX- this charge was fraud and was made in a different country- Goldman Sachs have refused to deal with it. XX/XX/year> {$540.00} - XXXX This was fraud made in XXXX - Goldman Sachs did nothing XX/XX/year> {$120.00} - XXXX XXXX XXXX XXXX this was fraud made in XXXX XXXX XX/XX/year> {$25.00} - XXXX XXXX XXXX XXXX This was fraud made in XXXX XX/XX/year> {$18.00} - XXXX  XXXX XXXX XXXX This was fraud made in XXXX. XX/XX/year> $ XXXX XXXX XXXX XXXX XXXX Yet Goldman Sachs did nothing to refund me after reporting XX/XX/year> {$49.00} - XXXX XXXX XXXX - This was fraud and was reported but Goldman Sachs did not care. XX/XX/year>. 
{$21.00} XXXX XXXX and there was no help after reporting it XX/XX/year> {$22.00} XXXX - XXXX and was reported but no help from Goldman sachs {$100.00} XXXX XXXX. I submitted a report but they never helped and charged me back with no evidence. 
I have called Goldman sachs multiple times only to be told that they will reopen it for reinvestigations and then after XXXX  months they just charge me again with no evidence. These were clearly fraud AS THEY WERE MADE IN DIFFERENT COUNTRIES. yet goldman sachs kept giving me the run around only so I can forget about it. I am suspecting that this started happening after XXXX has sent me a replacement phone due to button issue only for someone else to use my card. BUT GOLDMAN SACHS and XXXX did not care. It seems like I wasent the only one this was happening to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no XXXX  party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
It sounds like XXXX and Chase may be misunderstanding their obligations under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) regarding proper debt validation. I continue to request documentation of the transfer agreement that XXXX has the right to receive my debt. 

XXXX. Debt Validation Requirements ( FDCPA ) Under 15 U.S.C. 1692g ( b ), debt collectors are required to cease collection efforts if a consumer disputes the debt and requests validation. Providing extensive billing history and a business agreement does not necessarily constitute sufficient validation under the FDCPA. Debt validation should ideally include : Evidence that XXXX has been assigned or owns the legal right to collect the debt, often a transfer agreement or document of assignment. I have not received no evidence of assignment from Chase Bank to XXXX, showing XXXX  legal standing to collect this debt. 

Case Law Support : In XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court clarified that collection must stop until validation is provided. 
XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ), further emphasized that debt collectors must provide proof of debt validity, not merely billing records. 

XXXX. Failure to Update Dispute Status with Credit Bureaus as Required by FCRA ( 15 U.S.C. 1681s-2 ) Under 15 U.S.C. 1681s-2 ( a ) ( 3 ), debt collectors are required to update credit reports to reflect a disputed status within XXXX  days of being notified of a dispute. Despite informing XXXX of my dispute regarding this debt, my credit reports with all major bureaus have not been updated to reflect the disputed status. This failure to update the credit reporting agencies is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and has negatively impacted my credit score.

I am not asking for payment history, billing history, company agreements which is what I keep receiving.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
There is an issue with shellpoint company that the employees have not been able to fix I am requesting your assistance Please have someone reach out to me. 
They have not fix the modification paperwork for me to sign They have restricted. My access to my online account and they dont even want to take my payments now This is serious

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 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: SC

Complaint narrative:
LexisNexis is sharing incorrect information to several third party agencies. This company is provided information from a public records database without properly making sure the information they are sharing is mine. My father and I share the same first and last name but I identify on all legal documents by my full name to distinguish the XXXX. This company failed to properly research the correct person and had been sharing inaccurate information to companies and as a result it has caused me to be unable to find housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-11-07 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'd like to dispute the reporting of a late payment on my credit report.I have contacted the bank regarding this late payment, and they have approved updating the account to " open/never late. '' The bank has acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. 
According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. Therefore, I kindly request that you update this account to reflect that it has never been late. 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 2024-11-07 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: NY

Complaint narrative:
I'd like to dispute the reporting of a late payment on my credit report.I have contacted the bank regarding this late payment, and they have approved updating the account to " open/never late. '' The bank has acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. 
According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. Therefore, I kindly request that you update this account to reflect that it has never been late. 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 2024-11-07 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:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: WA

Complaint narrative:
Someone impersonating cash app platform offering loyalty bonuses through link sent via text message requesting personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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 XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
Hello, my name is XXXX XXXX, and Im contacting you regarding an issue with my Chex Systems report. Ive noticed an inaccuracy concerning bank records. I would appreciate it if you could investigate this matter and correct any errors. Its been affecting my credit and my personal capacity to open an account. Your failure to positively verify this account hurt my ability to obtain banking services. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the 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 2024-11-07 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: KS

Complaint narrative:
To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # XXXXXXXX XXXX XXXXXXXX. I previously sent a dispute letter requesting the removal for both these account charge-off based on the 1099-C form I received, which indicates that the debt was canceled.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off.

2. The name and contact information of the person or entity that provided the verification.

3. Copies of any documents or records used in the reinvestigation process. 

The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ). 
Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law. 

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 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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