vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
Around the XXXX of XX/XX/XXXX I received in the mail, eleven separate envelopes from Marcus by Goldman Sachs USA. 
Each envelope contained an individual Online Savings Account Statement for an account that I never opened or authorized. 
Each Statement was for the month of XXXX XXXX and each had a separate account number. All the statements were addressed to me at my current address and all were identical except for having different account numbers. They all showed and opening and closing balance of {$0.00}. Since I never opened any account with this company, I called their customer service number to report this and get the accounts closed. 
They agent said that they would report this to their fraud specialists, and get the accounts closed. They could not provide any info on who may have opened these accounts. At that time, I locked my credit report and sighned up for XXXX  credit monitoring and identity theft service. Since that time I have not received any monitoring alerts. Around XX/XX/XXXX, I received eleven more separate envelopes from XXXX, each dated XX/XX/XXXX. Each letter carried the header Dont forget to fund your account and stated that if accounts were not funded within 60 days of opening they would be closed. I again called the XXXX number and the said that the accounts should have already been closed, but if not they would all close soon due to no deposits. A week or so later I received eleven new statements each for the month of XXXX and each still showing {$0.00} deposits and {$0.00} ending balance. 
My complaint is that Marcus has obviously not taken steps to close these fraudulent accounts, or help determine who opened them and for what purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I sought confirmation from the court regarding the bankruptcies, and I have received explicit instructions that there should be no mention of bankruptcy in my credit file.

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 2024-04-15 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: AZ

Complaint narrative:
Compliance with FCRA 605B requires the eradication of inaccurate accounts from my credit report. Could you please examine the documents? Certain listed accounts demonstrate reporting inaccuracies and must be eliminated without delay.

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 2024-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: AZ

Complaint narrative:
I've consistently maintained timely payments on this account, ensuring they're never overdue. I'm uncertain why there are late payment remarks on my accounts. Under 15 USC 1666b, billing errors should be rectified.

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 2024-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: AZ

Complaint narrative:
I've consistently maintained timely payments on this account, ensuring they're never overdue. I'm uncertain why there are late payment remarks on my accounts. Under 15 USC 1666b, billing errors should be rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX, This complaint is regarding the account settlement issues that I am having with XXXX XXXX. Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was involved in a car accident on XX/XX/XXXX where I was rear ended by a drunk driver. The car was deemed a total loss by the insurance company and a check of XXXX USD was issued to XXXX XXXX. 
Even though it has been almost 2 months since XXXX have received their payments, they have been calling me continuously to collect money and make my account current. I have explained to them several times that the payment was received by XXXX. They seem to agree that the payment is received but still keep calling me. 
As of today, I saw my credit score went down by over a XXXXXXXX XXXX This is because of incorrect information provided and furnished from XXXXXXXX XXXX 
Can you help me get this resolved please? I have explained to several representatives from XXXX of this situation and they have also told me that they will expedite and get this fixed. But this has not been taken care for a long time now.

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 2024-04-15 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: IL

Complaint narrative:
I urge you to take immediate steps to remove the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please address this promptly.

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 2024-04-15 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I noticed an unauthorized inquiry was made and it has negatively impacted me. The company shows up on my credit report as CITI CARDS CBNA and it shows inquiry date as XXXX. I did not authorize this inquiry to be made. I have called the company multiple times spoke to many agents ( XXXX, XXXX, XXXX XXXX, XXXX ) every single one of them stated that they have no information of an application being submitted with them, they said it was most likely a scam I stated that I dont believe it was a scam as it is showing on my credit report. They again stated they have no information or any application and that I should contact XXXX, I contacted XXXX and they advised that they can not remove it because they need CITIBANK to send them a letter saying there is no application. I called CITIBANK again and they told me they cant send anything to XXXX because there is nothing to send, there are no records that show I made an application with them. So i would like this to be removed from my credit report as it has made a negative impact 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 explanation
Consumer complaint received 2024-04-15 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: MI

Complaint narrative:
Equifax has confirmed that they received all of my documentation and my request to have adverse information as a result of human trafficking deleted from my account well over XXXX business days ago. They are claiming to still be processing my request and they dont know how long itll take. According to the laws outlined on the CFPB website, credit reporting agencies MUST block adverse information in regards to XXXXXXXX XXXX within XXXX business days, even if they are still reviewing documents. They have XXXX business days to review their documents. I was told by an Equifax rep that there are attorneys in the office of consumer affairs that have advised them that what they are doing is in compliance with the law. I have called multiple times and spoke with multiple people who have told me that the issue would be resolved by the end of the day and this never occurs. Equifax requested additional information from me, of which I provided. I am being told by a representative that once I submitted the requested information, it started my XXXX business days all over again. This is NOT in compliance with the laws regarding human trafficking. This is willful negligence on Equifaxs behalf and I am ready to take this to the furthest extent of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: CO

Complaint narrative:
On XX/XX/2023 Equifax posted a hard inquiry on my credit report from XXXX XXXX XXXX. 

I do not know XXXX, I never submitted ANY application for a loan / mortgage / or ANY type of credit. It seems that someone used my information. 

XXXX backs up my version- they do not know me, they do not have my information, nor they were able to identify or locate any account in my name or SSN at their institution. They clearly indicated ( in a written document, attached ) that they have NO record on file of me obtaining any products or services with them. 

I attached : 1. My Equifax Credit report - showing the hard inquiry from XXXX XXXX XX/XX/2023 2. The letter from XXXX XXXX department

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
Ally servicing was recently contacted by your company as far as harassing phone calls. The biggest issue, was calling on Sundays. XXXX and behold, not even a week or XXXX later, not only did their corporate leave me a voicemail, they called yesterday SUNDAY!!! at XXXXXXXX XXXX This is going beyond harassments. Is it too much to ask, that since they call XXXX times a day, EVERY day, starting ONE day after my payment is due, to not be called on a Sunday???

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 2024-04-15 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: AL

Complaint narrative:
XXXX XXXX. Open date XX/XX/2021 and showing a balance of {$460.00}. I have no contract with this company and it was already deleted from my XXXX 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 2024-04-15 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: MO

Complaint narrative:
I am writing to formally request that accounts refrain from sharing my personal information with third-party agencies and organizations, pursuant to the rights granted to consumers under the Gramm-Leach-Bliley Act ( 15 USC 6801-6805 ). I have attach a previous letter that Ive sent the creditor in writing. Any further refusal of my request will result in legal action. Thank you.

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 2024-04-15 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: TX

Complaint narrative:
EQUIFAX NEVER provided the signed documents EQUIFAX sent me an ILLEGAL paper stating they DID NOT HAVE TU PROVIDE ME WITH PROOF from EACH FURNISHER nor did they have to provide PROOF AT ALL which is an ILLEGAL ACT AS WELL AS A VIOLATION OF THE F.C.R.A

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There are inaccurate late payment remarks on my file and I want it checked.

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 2024-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please check the documents that I've sent. There are late payment remarks and I want it updated to positive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 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: TN

Complaint narrative:
On XX/XX/2024, I received a notifications from MyFico stating my student loan has been updated. XXXX is reporting an increase however my student loans has been deferred. Also the balance of my student loans went from XXXX to XXXX. XXXX is now reporting that I owe then XXXX XXXX dollars. They are reporting this to TransUnion, when I contacted Transunion, they did confirm XXXX is reporting this mistake. This is a huge mistake. XXXX refuse to fix it. This needs to be address asap. This is an reporting error and XXXX refuse to fix it. How do I owe the XXXX XXXX dollars.

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 2024-04-15 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: Uplift, Inc
State: TN

Complaint narrative:
Im disputing fraudulent activity with a company called uplift ( buy now pay later ) I have provided them with a police report showing the name of the person that took out a loan under my name. They replied back saying that they dont see any fraudulent activity going on, and to send them a police report with the name on it, but I already did that, they havent responded to me in more than 10 days and arent helping with the situation. They also let that person take out alone without showing proper identification. This person that took out this loan is also my twin brother and hasnt responded to me at all about the situation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Its was paid as negotiations with the Midland funding LLC on XX/XX/2024 with the amount {$750.00}, the report should have been removed my credit but they didnt do it yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This account is showing inaccurate with different dates of last payment and activity on all three agency's/ I request that this account be removed 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 explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Sent certified mail to All 3 credit agencies a letter of affidavit for my address still no progress. See attached

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: SD

Complaint narrative:
I have a Chase Bank credit card. For the past XXXX or 4 years it has been very difficult to make a payment online. I have the correct password but they never let me log in. I couldn't find the card but I knew the due date was coming up. I called them three different times and they said they weren't able to help me pay my card. I now have a late fee. This is not the first time it's been very difficult to make a payment with them their website doesn't work very good and it's almost as if they don't want me to make a payment. Very frustrating and it's like night and day with the other Banks I have no problem whatsoever Chase has a problem and I think it's a scam sometimes to get late fees by not letting people pay their monthly payment. This has been an ongoing problem and even though I have the correct password it never lets me log in and I'm tired of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: TX

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.

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 2024-04-15 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:
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 In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! 

Under Act 15 U.S.C. 1681 section 602 says " | have the right to Privacy ''. 15 U.S.C 1681 section 604 A section 2 " It also states a consumer reporting agency can not refurnish an account without mv written instructions ''.

Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open-end and consumer credit plan as late for any purpose.

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 2024-04-15 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:
XXXX XXXX Account Number : XXXX Late Payment Reported on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX Account Number : XXXX Late Payment Reported on XX/XX/XXXX In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! 

Under Act 15 U.S.C. 1681 section 602 says " | have the right to Privacy ''. 15 U.S.C 1681 section 604 A section 2 " It also states a consumer reporting agency can not refurnish an account without mv written instructions ''.

Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open-end and consumer credit plan as late for any purpose.

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