vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX XXXX, XXXX  I SENT A REQUEST TO ALL XXXX  BUREAUS ( EXPERIAN, XXXX, XXXX ) requesting an investigation into items i believed were inaccurate. I have not received any response or acknowledgement that the investigation has begun.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: MI

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX Account Number : XXXX Update to Open/Never late XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete from my credit report. 


XXXX. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX  Account Number : XXXX Update to Open/Never late XXXX. Unpaid balance reported as a loss by credit grantor XXXX Account Number : XXXX Update to Open/Never late XXXX. 15 U.S. CODE 1681B - XXXX XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it 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 2024-11-05 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: CA

Complaint narrative:
I contacted the following reporting agencies which are experian, XXXX, & XXXX and made it clear that these items 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 are not my accounts and Ive been a victim of identity theft and they have yet to abide by the fair credit act and remove these unauthorized fraudulent accounts.

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 2024-11-05 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: MS

Complaint narrative:
Transunion is currently reporting an inaccurate account XXXX XXXX XXXX with a charged off status on my credit report with a balance o {$7300.00} and high balance of XXXX. 
In accordance with the provisions of USC 1681 ( e ) and USC 1681 ( i ) This is a violation of my rights as a consumer and this must be deleted immediately.

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 2024-11-05 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: GA

Complaint narrative:
Pursuant to 12 C.F.R. 1022.142, I am entitled to have these illegitimate entries removed from my credit history. Enclosed, you will find supporting documentation that underscores the urgency and legitimacy of my request. 

The following entries are fraudulent and must be expunged from my credit report : GXXXX 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 The presence of these inaccuracies has caused significant distress and potential harm to my creditworthiness. I expect prompt attention to this matter and the removal of these entries within the legally mandated timeframe. 

Failure to address this issue satisfactorily will compel me to explore all available legal remedies to ensure the protection of my rights. 

I anticipate your immediate cooperation and confirmation of the removal of these fraudulent entries. 

Sincerely, 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 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have carefully drafted a letter after reading about fixing my credit on my own.

I have wrong names and addresses and previous employers that are wrong and multiple accounts that are labeled as charge off with balances still owed and that is illegal to report that along with the fact I never received a 1099 for these items and some other accounts I was not late on and don't belong to me. I demand you delete this non-compliant listing on my credit, or I will seek damages in court

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: TX

Complaint narrative:
The inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: TX

Complaint narrative:
In violation of 15 USC 1681c-2, my report includes unauthorized inquiries harming my credit score. Kindly delete these errors. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: FL

Complaint narrative:
i have companies that should not be on my report i have 1099 c from the companies canceling my debt

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 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
i have companies that should not be on my report i have 1099 c from the companies canceling my debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My application for American Express Platinum was denied. This denial is a violation of both the equal credit opportunities act, as well as the consumer credit protections act. Withholding my access to my insecurities is considered securities fraud. It is a violation of both above stated acts under which American Express operates. After two phone call attempts to explain to them my frustration with this violation of my rights to credit as a consumer and I was hung up on both times. I sent a certified mail, expressing the illegality and my frustration about this, but to no avail. Thank you so much for your time and help in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS
State: GA

Complaint narrative:
Greeting, LexisNexis is providing out data auto claims from XXXX that is not on my mvr. I have paid from a report from the DMV as of today due to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: CA

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. 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 proof of my identity and my Proof of Address and SSN Card.

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 2024-11-05 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: CA

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. 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 proof of my identity and my Proof of Address and SSN Card.

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 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Obtain receiving and reviewing my consumer report. I noticed inaccuracies in my report. This is a clear violation of 15 usc 1681 b which states It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. For account # XXXX XXXX XXXX have this account late on XX/XX/XXXX until XX/XX/XXXX and Experian have this same account late from XX/XX/XXXX until XX/XX/XXXX this is the same account it is two different start dates of the late payments. Which make the information on my report inaccurate. This is not an attempt to verify no 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 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-11-05 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: MI

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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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:
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. I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the Individual about whom the report relates according to And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general after any reinvestigation under paragraph ( 1 ) of any information disputed has violated my rights. 

XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX  Account number XXXX XXXXXXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX Account number XXXX 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

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 2024-11-05 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA
State: DC

Complaint narrative:
Tuesday, XX/XX/year> TO : XXXX XXXX, Chief Legal XXXX and XXXX XXXX Goldman Sachs Bank XXXX XXXX XXXX XXXX XXXX NY XXXX CC : Consumer Financial Protection Bureau Office of the Attorney General, XXXX, XXXX. 
Office of the Attorney General, XXXX XXXX XXXX XXXXXXXX XXXX, WHEREAS : XXXX. ) On XX/XX/year>, I opened a XXXX month Certificate of Deposit ( CD ) with Marcus by Goldman Sachs ( GS ). 
XXXX. ) On XX/XX/year>, I went to add more funds to said account to find that Goldman Sachs had, unilaterally, made my XXXX month CD into a XXXX month CD. 
XXXX. ) On XX/XX/year>, I contacted Goldman Sachs Customer Service via the chat feature. I was informed that I would have to call in to resolve this issue. Since it was late, I waited until today, XX/XX/year> to do so. 
XXXX. ) On XX/XX/year>, I contacted GS Customer Service via phone. I was told that they would not remedy the matter without a penalty to me. 
XXXX. ) At that point, I decided that I would submit a complaint, but that I would also open a XXXX month No Penalty CD with GS to store my money. 
XXXX. ) On XX/XX/year>, I opened a XXXX month No Penalty CD. I was shocked when it automatically converted to a XXXX month No Penalty CD. 
XXXX. ) On XX/XX/year>, I once again contacted XXXX and was told that they would not be able to assist me on either matter without a penalty. 

THEREFORE, I require : XXXX. ) That GS immediately close my CD with an account number ending XXXX and my No Penalty CD with an account number XXXX and transfer their balances to my savings account. 
XXXX. ) That Goldman Sachs immediately begin an internal investigation as to how your systems could make this mistake and make the reports findings available to me, the Consumer Financial Protection Bureau, and the Office of the Attorneys General XXXX XXXX, XXXX, XXXX XXXX XXXX, and New XXXX  XXXX. 
XXXX. ) That you immediately credit my account {$25.00} USD to compensate me for the lost interest and as a token of regret on the part of the Bank. 

Please respond by no later than XXXX XXXX on Friday, XX/XX/year>. If I do not receive a response from you by then, I will begin contacting class action attorneys regarding this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: NV

Complaint narrative:
I recently noticed a various number of incorrect addresses on my credit report ; XXXX XXXX XXXX, NV XXXX and XXXX XXXX XXXX XXXX, as well as an old address I do not currently reside at and havent for a long time which is XXXX XXXX XXXX XXXX, NV 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 2024-11-05 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I'm an international traveler who open checking accounts numbers internationally I was XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas around XXXX to XXXX. 
I open department store credit cards account in the state of Texas. 
All credits cards are recorded on a database drivers license XXXX. Texas driver license number XXXX. 
Expire date XX/XX/XXXX. 
I lost my credit cards in the state of Texas. 
XXXX. The balance is {$500.00} XXXX used.

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 2024-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Account Resolution Corporation
State: MO

Complaint narrative:
I told Account Resolution Corp to remove me from their call list but they refused despite me telling them they are required to if I request such.

Company response to consumer: Closed with explanation