vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-04 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
To Whom it May Concern, On, or around, XX/XX/XXXX my Apple Card and connected Savings account were closed. Over the course of the following weeks, I attempted to prove that my account was closed accidentally but ended up having to submit a complaint to the CFPB ( case # XXXX ). On XX/XX/year>, Goldman Sachs concluded that my account was closed accidentally due to an inadvertent processing error. I was told that I could : reapply for a new Apple Card account and that the Bank will move the Customers balance to the new account and will also provide the same or better credit line and Annual Percentage Rate on the new account. It is now XXXX and this has yet to happen. 
Initially, when I tried to reapply, I was given an error notice. When reaching out, I was told that I had a card already, and could apply again once my current card was paid off. Knowing that this was incorrect, I continued to reach out until I reached someone who knew exactly what the problem was. They were able to remove the error from my account and reopen the application, however, when applying I was hit with a you already have an account. So the customer service agent somehow put my balance into some sort of limbo, so that it would not build interest or require payment until we figured it out. They also claimed that they had never seen anything quite like this. 
Finally, I was able to reapply again, but was hit essentially with a youve applied too much notice. The agent told me to wait 30 days, attempt to reapply and then they would reach back out. 
I waited the 30 days and attempted to apply again, and got the same notice I had been getting. A few days later I tried again and got an adverse action saying I did not qualify. So, I reached back out via XXXX ( as that is where I was initially finally directed to the right team ) unfortunately, although the person on the phone was incredibly nice ( and I dont blame her whatsoever ), she did not know about the situation and insisted that I just didnt qualify and would have to try again in the future. I asked about my current balance ( as it does not currently appear on my account or allow me to pay ) and she said that it said {$0.00} and she saw nothing in regard to the other money owed. 
It has been close to four months now, with seemingly no end to this in sight and I am completely at a loss on what to do next. At this point, I am asking for either this situation to be solved and my card to be reinstated without my involvement ( Im tired of explaining the situation on phone call after phone call ) or for the entire balance to just be forgiven so that you ( the company ) and I can just move on. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 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: OK

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The only fair outcome I expect is for these unauthorized inquiries to be removed and blocked from my credit report as soon as possible. I need this to happen so I can finally be free of the stress and shock this situation has caused me, and Im extremely frustrated with how long this has taken. Please address this issue 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 2024-10-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: DE

Complaint narrative:
on XX/XX/year> i received a text message from Truist Bank about a fraudulent purchase that was made on my debit card followed up by a phone call. The person on the phone represented themselves as a Truist Employee with fraud department. the person asked if i tried to make a purchase a XXXX in XXXX, XXXX  XXXX. i replied no then he said lets go over your last XXXX transactions. he started with the first few then said i better send you a text with a code to verify it was you. sent code i provided him with the 5 digit number and he continued with the other transaction. all of which i made. he then said did you try to send a XXXX  payment to to a XXXX XXXX or XXXX XXXX for XXXX i said no then he said did you one to a XXXX XXXX i relied no XXXX is my son. he said XXXX was sent to him from your account. i responded i did not send him any money. he said call XXXX  and get him to send the money back. few hours later i got a hold of gage at home and he attempted to send money back. his bank would only allow XXXX to be sent. the information on the scene had my name and phone number and when he hit send it sent to a different name. i checked my account in the morning and the the XXXX  payment was not in my account. i call truist bank and it was learned the above person was not a truist employee. i immediately closed my account. i called my son and told him not to send the the XXXX he said he just sent it and it went to a XXXX XXXX account. i then filed a complaint through Truist. they said they would investigate the unauthorized activity. few days went by i called to find out what was going on. the lady on the phone told me they were not going to do anything because of the relationship between XXXX  and I. because i sent him money before. i tired to explain and she said the analysit made their decision and i could do nothing about it. i called and called spoke to several people and finally one said i could contest their decision. i also went to the local branch and the teller was like you should get your money back. i called again and person said the decision is final talk to XXXX  about your money. i told them someone hacked my account and changed my XXXX  information. i did not sent the money. and basically i was out of luck, i did not send the money and did not authorize anyone to send the money. i thought my funds were protected at the bank. i could really use some help in this matter thank you XXXX XXXX. i have copy of screen shots from phone

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 2024-10-04 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: FL

Complaint narrative:
Despite my repeated efforts to address the fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The continued presence of these items has severely impacted my life, causing significant stress and XXXX. I must emphasize once again that I did not authorize or consent to the inclusion of this information, as I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: KY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I received my report from XXXX XXXX stating that I owe Citi bank XXXX which this account does not belong to me an is unauthorized

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 2024-10-04 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: WI

Complaint narrative:
These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted the bureau and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me XXXX  for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.

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 2024-10-04 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: GA

Complaint narrative:
This complaint is pertaining to EQUIFAX reporting incorrect data on my Equifax credit report. 

I have requested for deletion and they have not responded. 

Below is the account and proof of inaccurate data points/information on my Equifax credit To resolve this I request for deletion of this negative item on my profile. 

XXXX XXXX XXXX XXXX reported with XXXX In regard to item questioned above, Account Highest Credit : reported as {$5000.00} for XXXX XXXX {$5000.00} for XXXX XXXX XXXX and as {$3500.00} for Equifax and as such is one, each or all in deviation from the requisite standard ( s ) and or is not proven much less certifiably compliant to its regulatory mandates as its a sin qua non for compliant reporting and as such are one or more apparently deficient of its exigency of reporting sufficiency and or decree ( s )! 

Regarding the item questioned above, Account Terms Frequency : reported as Not Reporting for XXXX, Monthly ( every month ) for XXXX XXXX, and as Not Reporting for Equifax for Equifax and as such are one or more, according to protocol, deficient of its exigency of reporting obedience! 


As for the item questioned above, Date of Last Payment : reported as XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX XXXX, and as XX/XX/XXXX for Equifax are one, two, or each in potential deviation ( s ) from the requisite standard ( s ) for the compliant reporting, thereby making such reported claims a concern due in part to lesser integrity of data as reported ( per XXXX ). As reported, there can be NO deviation from the requisite standard ( s ) for the compliant reporting of Data fields within any Metro 2 Field nor else wise in regard to this mandatorily accurately depicted data field, and as such are one or more apparently deficient of its exigency of reporting assent! 
*****************************************************************************************************

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

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 2024-10-04 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: TX

Complaint narrative:
XXXX XXXX  and XXXX XXXX  is reporting a fraudulent account that I did not open under my name on Transunion Consumer Solutions report. The account number number is XXXX that has been reporting under XXXX XXXX XXXX, and Transunion Consumer Solutions. Attached is the FTC Statement that identifies this account as a fraudulent account opened using my personal 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 2024-10-04 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
SunTrust Bank and Truist Bank is reporting a fraudulent account that I did not open under my name on XXXX XXXX XXXX report. The account number number is XXXX that has been reporting under XXXX XXXX XXXX, and XXXX XXXX XXXX. Attached is the FTC Statement that identifies this account as a fraudulent account opened using my personal 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 2024-10-04 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: LA

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-10-04 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: NY

Complaint narrative:
Since XX/XX/XXXX after settling this account with XXXX, I have asked that the account information be corrected. The original lease amount is not the amount that is being reported. However my issue is that after disputing the account in XX/XX/XXXX. Experian has updated the account with a new closing date which is inaccurate. The account now shows it was in charge 30 days late, 60 days late collection and then charge off status. It went into good standing from XXXX then closed. This is factually incorrect and a violation of my rights. I called XXXX XXXX  in XXXX to request a goodwill removal of the 30 and 60 day lates. I was told that since the account was closed in XX/XX/XXXX only Experian can update the account. Only for them to update and inaccurately report a new status if Closed as if XX/XX/XXXX. 

I am requesting a new investigation of this account and to be updated or deleted due to numerous inaccuracies.

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 2024-10-04 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 hope this letter finds you well. I am writing to bring to your attention a serious matter that has come to my notice recently. Upon reviewing my credit report, I have discovered several fraudulent inquiries that I did not initiate. These unauthorized inquiries have significantly impacted my credit standing and raise concerns about potential identity theft. I am deeply concerned about the presence of these fraudulent inquiries as they may not only damage my credit score but also indicate possible fraudulent activity on my personal information. I have taken great care to safeguard my sensitive details, and the existence of these inquiries has raised alarm bells regarding the security of my personal data. I would like to emphasize that I did not authorize any entity, individual, or organization to inquire about my credit history. I demand immediate investigation and removal of these unauthorized inquiries from my credit report to rectify this distressing situation. To assist in your investigation, I have enclosed a copy of my credit report, highlighting the suspicious inquiries in question. I urge you to take prompt action to rectify this matter and restore the accuracy of my credit history. Additionally, I request written confirmation once the inquiries have been removed and any corrective action has been taken. Furthermore, I have already taken steps to protect myself from potential identity theft by placing fraud alerts with the XXXX major credit bureaus. However, I am relying on your expertise and assistance in addressing this matter thoroughly and preventing any further damage to my credit reputation. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and I expect that this right will be fully respected throughout the resolution process. I expect to receive your written response within 30 days of your receipt of this letter, as stipulated by the FCRA. Failure to respond within the stipulated timeframe may result in my escalation of this matter to the appropriate regulatory authorities and legal action if necessary.

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 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My account with XXXX XXXX XXXX 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.

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. 

XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). 

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 XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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