vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation
State: TN

Complaint narrative:
On XX/XX/2024 to Cease and Desist all forms of communication via phone, text, mail, email, voicemail, and all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: CA

Complaint narrative:
After reviewing a copy of my personal credit report, I have came across a few inaccuracies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chance of owning a home, getting a vehicle with a low APR or even credit card. I was denied use of my credit recently that brought this to my attention. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. 1. The balances are in flatted on accounts. 2. The date of the Last Activity are inaccurate. 3. The date Opened are inaccurate. 4. The Closed Date is incomplete on accounts. 5. The Dispute Status is incorrect. 6. The Payment History is incomplete and inaccurate. 7. date of birth is inaccurate. 

Account XXXX Account XXXX XXXX- XXXX Account XXXX XXXX XXXX- XXXX I was not notified properly of any negative reporting as outlined in the fcra Also I do not or have not done any business or have an open account with any of these people. XXXX  XX/XX/year> TransUnion Please take the time and consideration to remove the incorrect information from my credit report, within our economy struggling the way that it is, I can not afford to have inaccurate information negatively affecting my credit score. I will await an updated copy of my credit report to reflect these changes within thirty-day.

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 2024-04-24 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: NC

Complaint narrative:
On XX/XX/2024, I corresponded with XXXX XXXX requesting that they provide verification, validation and accuracy of the account # XXXX which they where reporting on my consumer report via XXXX and EXPERIAN. See : Letter I submitted this letter certified mail. XXXX failed to respond or sign and return the signature card. See : Certificate Receipt. 

I also, requested that XXXX reinvestigate the aforementioned account due to its failure to report complete, accurate and factual information. They failed to throughly provide a investigation as well. 

In light of the above, my constitutional and FDCR rights has been violated. 

1. 15 US Code section 1692 ( a ) 2. 15 U.S. Code section 1681 ( a ) 3. 15 US Code section 1681e ( b ) 4. FDCPA section 807.

5. FDCRA section 808 6. FDCRA section 809 Clearly, this account reflects deception and misleading information against the law. There is no indication of a late payment on TransUnion to validate a Charge off.

However, Transition still penalized my FICO score monthly behind this deceptive tactic. Experian details that this isn't reflecting maximum accuracy by showing that the account took over two ( 2 ) years to reflect a charge off. This is illegal and against IRS rules for financial institutions. See : Credit report. 

Moreso, this demonstrates that XXXX and Experian is in collusion with XXXX XXXX to criminally break the law by failing to accurately report information to the IRS. 


In short, XXXX XXXX failed to verify this account therefore, this misleading and inaccurate account MUST be deleted immediately. 


Thank you in advance.

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 2024-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I received my new card i activated it and was told it is good to use, it has been declined twice, company says they do not know why but try again and it was again declined My Balance is XXXX and i have over {$7700.00} available credit to use but it will not work they owe me monies as well and have not paid me back they are cheating me and lying

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: GA

Complaint narrative:
I am not familiar with this firm or this account so under law 15 USC 1681 c2 I am a victim of identity theft due to my personal information being given to this company without my consent.

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 2024-04-24 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED It is XXXX to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention to and resolution of this issue are highly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$890.00} XXXX  XXXX XXXX Balance Owed : {$79.00} XXXX XXXX XXXX XXXX Balance Owed : {$490.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$740.00} XXXX XXXX Balance Owed : {$380.00} XXXX XXXX XXXX Balance Owed : {$0.00} 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

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 2024-04-24 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: GA

Complaint narrative:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$890.00} XXXX XXXX XXXXXXXX Balance Owed : {$79.00} XXXX XXXX XXXX XXXX Balance Owed : {$490.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$740.00} XXXX XXXX Balance Owed : {$380.00} XXXX XXXX XXXX Balance Owed : {$0.00} 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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: VA

Complaint narrative:
Please find attached, along with two supporting attachments, my Formal Direct Dispute of Alleged Account No. : XXXX XXXX XXXX XXXX and its corresponding Receivables In Case OfXX/XX/XXXXXXXX ( formerly known as ) XX/XX/XXXX dated XX/XX/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 2024-04-24 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: VA

Complaint narrative:
Please find attached, along with XXXX supporting attachments, my Formal Direct Dispute of Alleged Account No. : XXXX XXXX XXXX XXXX and its corresponding Receivables In Case Of XXXX XXXX XXXX XXXX  ( formerly known as ) XXXX XXXX XXXX XXXXXXXX, dated XX/XX/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 2024-04-24 00:00:00
Product: Credit 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: NY

Complaint narrative:
XX/XX/XXXX - XX/XX/XXXX unauthorized charges were made on my Apple Credit Card being used on a stolen XXXX. Ive filed multiple disputes with Goldman Sachs Bank USA as theyre fraudulently billing me for unauthorized charges. Ive provided them with a police report number of the incident and Goldman Sachs Bank USA isnt removing the charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-24 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: 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. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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 non-monetary relief
Consumer complaint received 2024-04-24 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: VA

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to bring to your attention a matter of concern involving Equifax, XXXX of the major credit reporting agencies. Despite my repeated written requests, Equifax has failed to comply with the requirements of the Fair Credit Reporting Act ( FCRA ). 
In accordance with the FCRA, I have requested Equifax to verify certain items appearing on my credit report. However, despite my XXXX formal requests, these unverified items continue to be listed. The FCRA mandates that credit reporting agencies must have a copy of the original credit application on file to properly verify that an account listed on my credit file is indeed mine. However, Equifax has failed to provide me with any such original documentation bearing my signature. 
Furthermore, Equifax has not provided me with the name, business address, and phone number of the individual or business contacted during their re-investigation. They have also failed to provide the method of verification as required under Section 611 ( a ) ( 7 ) of the FCRA.

I would like to highlight that under Section 611 ( 5 ) ( A ) of the FCRA, Equifax is required to promptly DELETE all information which can not be verified. However, this has not been done. 
I am prepared to take legal action to enforce my rights under the FCRA and seek compensation for all financial damages that I may be entitled to under Section 616 and Section 617 due to Equifaxs ongoing deliberate and negligent non-compliance. 
I kindly request your assistance in this matter and look forward to your prompt response. These are the inquiries listed.. 

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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I requested that the account be closed and funds sent to me via check on XXXX consecutive instances in XXXX and XXXX, but no resolution has been reached. 
I would like the money that I am entitled to be disbursed within XXXX business days of receipt of this complaint. Their procedure and timeframe is complicated and unstructured.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation
State: SC

Complaint narrative:
The letter that was written to the third party was on XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, Subject : Dispute Regarding Account Verification for Aspire Credit Card I am writing in response to your recent letter dated [ date of their response ], regarding the verification of the account referenced to the Aspire Credit Card XXXX I appreciate your prompt attention to my request ; however, after reviewing the enclosed documentation, I am still unable to recognize or validate this account as belonging to me. 

While your letter confirms receipt of my validation request and states that documentation has been provided, it does not sufficiently address my inquiry regarding the purpose of the credit card in question or provide concrete evidence linking me to this account. I remain unaware of any association with Aspire Credit Card, and the documentation provided does not establish my ownership or authorization of the account. 

I understand that the documents provided may reflect a balance, but without clarity on the origin of the charges and any supporting evidence linking me to this account, I must continue to dispute its validity. I reiterate that I have no knowledge of this account and therefore request that it be removed from my credit report as soon as possible. 

In accordance with the Fair Credit Reporting Act, I am entitled to accurate and verifiable information on my credit report. As such, I kindly request that you conduct a thorough investigation into the validity of this account and provide any additional evidence or documentation supporting your claim. 

Additionally, I appreciate your acknowledgement of my dispute and request that consumer reporting agencies report this account as disputed. Please ensure that this dispute status is accurately reflected on my credit report during the investigation process. 

I trust that you will handle this matter with the utmost professionalism and diligence. Should you require any further information from me, please do not hesitate to contact me at XXXX or XXXX Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: AZ

Complaint narrative:
On XXXX XXXX I pulled my credit report from XXXX and transunion and XXXX and noticed that the balance of my XXXX loan with XXXX XXXX had not been updated since XX/XX/2023. I called XXXX XXXX and asked why are have they not updated the balance on my car loan with them since XXXX of XXXX I asked them to please update the info with the correct balance as I am trying to buy a home. I was told that I needed to send a email to them to dispute the balance which I did. I have sent a email every XXXX  since the balance was updated in XX/XX/2023 when I filed a complaint with cfpb but has not been updated since. I reached out to them XXXX XXXX and was given the same information to send a email and I have not received a response or a update to my credit report. I have attached a screenshot of the balance on my loan with arrivo acceptance and a copy of my current 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 2024-04-24 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: AZ

Complaint narrative:
On XXXX XXXX I pulled my credit report from experian and XXXX and equifax and noticed that the balance of my car loan with XXXX XXXX had not been updated since XX/XX/2023. I called XXXX XXXX and asked why are have they not updated the balance on my car loan with them since XXXX of XXXX I asked them to please update the info with the correct balance as I am trying to buy a home. I was told that I needed to send a email to them to dispute the balance which I did. I have sent a email every month since the balance was updated in XX/XX/2023 when I filed a complaint with cfpb but has not been updated since. I reached out to them XXXX XXXX and was given the same information to send a email and I have not received a response or a update to my credit report. I have attached a screenshot of the balance on my loan with XXXX XXXX and a copy of my current credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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: LA

Complaint narrative:
I noticed a fraudulent inquiry on my Equifax report XXXX XXXX Inquiry : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.

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 2024-04-24 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: GA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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: CA

Complaint narrative:
I was reviewing my credit report and noticed that there were unauthorized inquiries on 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