vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim of identity theft. Fraudulent applications were submitted with my personal information to XXXX XXXX XXXX and XXXX XXXX in late XX/XX/XXXX. As a result, there are related inquiries showing on my TransUnion credit report. On XX/XX/XXXX a dispute was submitted to TransUnion on my behalf against these fraud-initiated inquiries. Since that time, XXXX subsequent disputes have been sent on my behalf. However, as of today ( XX/XX/XXXX ) these fraud initiated inquiries continue to report on my TransUnion 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 explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Goldman Sachs ( apple credit card ) incorrectly filed on my credit report. When I called them about my alleged late payments and charge off, they said I " owed '' them the XXXX figure. But the report clearly says, " charged off. '' If something is charged off a 1099a is sent to Goldman Sachs which means it is now income earned for the company. 
I can not owe on income. And this now becomes inaccurate reporting on their part. They are trying to be paid twice for the same case. 

I would like to exercise my right as a consumer to 15 USC 1681i ( a ) due to the nature of inaccurate reporting on my report.

Also, in 15 USC 1681 ( a ) 1 it says that the banking system is dependent upon fair and ACCURATE 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Credit card or prepaid 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: CITIBANK, N.A.
State: MA

Complaint narrative:
XX/XX/2022, made a purchase with newly opened Citibank Best Buy  credit card in the amount of {$490.00}. Upon receipt of credit card statement, I was charged twice for a total of {$990.00}. I disputed with Best Buy and showed them the receipt for the purchase in the amount of {$490.00}. They responded with the charge will stand that I owe {$990.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following15 us code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Meaning that if you do not have or havent gotten any written instructions from me ( the consumer ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instruction to furnish any of the following accounts. Secondly according to the 15 us code 1681.The law clearly states 1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. 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 ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures 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. I sent out a letter To Verify The Accuracy On Credit Report and I did not get a response. So I send out another letter just in case they didn't receive it still no respond. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. I have the list of accounts thats inaccurate and its in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. I need financing for a car and this inaccurate report is hindering me. As the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC
State: NJ

Complaint narrative:
Received a loan from Mariner Finace for a Jacuzzi. The loan was considered same as cash 0 % if paid within 180 days. The company sent me an email with a welcome letter to login and establish my acct. Once I logged in, there was no statement or evidence of an acct. I called and tried to rectify more that 20 times, speaking with the Branch Manager, IT and agents with no luck. I was forced to make payments as to keep my credit clean but have no statements showing my loan, payments or outstanding balances. Their system is blank and I have no visibility or transparency regarding payments, balances or any changes to my account. I want to payoff the loan but can not receive a payoff, statements or understand if I payoff, they will not come after me later down the road. I have escalated dozens of times asking for a statement via letter, email or a screen shot of their systems since my login credentials do not map to may account. My account page does not even show I have an account with Mariner finance. 

Working with XXXX XXXX in XXXX Mariner Finance ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
My td bank account get close and the dont tell me any updated about this, more the 1 month almost XXXX and I still waiting my check and I really need my savings

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
This company XXXX XXXX has harassed me about a dent in the amount of {$14000.00} in the months of XXXX, XXXX, and XXXX year of XXXX have asked them not to harass me call nor send me emails and they continue to do it they also said that my debt will continue to harm my credit until I pay them which I do not owe them I owe Bridgecrest company Ive never XXXX any contracts with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I have 2 collections for fraudulent accounts. The first is for the sum of {$2200.00} and the second for {$890.00}. 

1. COMMONWEALTH FINANCIAL SYSTEMS Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/2022 Collection Amount {$2200.00} 2. 
COMMONWEALTH FINANCIAL SYSTEMS Account number XXXX Account type Collection Date opened XX/XX/2022 Status Collection account. {$890.00} These accounts and transactions are fraudulent, not made by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, 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: NJ

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 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 an 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 1681 s-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. 


XXXX XXXX XXXX- Account number- 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 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

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 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 se
ction 2 : It also states a consumer reporting agency can not furnish an 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 1681 s-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. 


XXXX XXXX XXXX- Account number- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, 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: NJ

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 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 sectio
n 2 : It also states a consumer reporting agency can not furnish an 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 1681 s-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. 


XXXX XXXX XXXX- Account number- 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 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, 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: TN

Complaint narrative:
In accordance with the Fair Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX  bank is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their first investigation and subsequent reinvestigation, they stated in writing that they verified that these items are being reported correctly? 
Who verified these accounts? 

XXXX has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( XXXX ) ( A ) & Section 611 ( a ) ( XXXX ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( XXXX )... I was sent an account statement which does not provide any validity of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Cfpb Why aren't you doing more to enforce consumer rights under the FCRA and FDCPA? Over the last year, I've been led to believe that my credit report has been irresponsibly tampered with. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've been disputing these accounts for the past two years, and XXXX, Transunion, and XXXX have not provided me with substantial proof of validation that they claim they've received. I have made several attempts to remind XXXX, Transunion, and XXXX of their obligations under 15 USC 1681. It appears that they are being deliberately and willfully negligent in resolving my issues. 15 USC 1681e ( b ) guarantees that I am due and promised accuracy in my report in accordance with federal law. This is yet another attempt to have these errors on my consumer report corrected According to I5 USC 1681 ( A.5 ), all unverified information must be promptly removed following the reinvestigations. You can see in your system that these accounts have previously been disputed without being thoroughly investigated, so I know they can not be verified or validated. '' I demand that the accounts be deleted.

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 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ERC
State: FL

Complaint narrative:
THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORT THAT NEED TB BE REMOVED RESULT OF IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, 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:
Equifax has inaccurately reported information on my consumer report. There has been a breach to their own privacy policy and all negative inaccurate information needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, EXPERIAN, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 I recently reviewed my credit report and noticed some unauthorized accounts on my credit report. Under 15 USC 1681A 3, this role was assumed without permission nor my consent. My right to privacy was neglected and not respected which is under 15 USC1681A 4. You did not exercise your grave responsibility, you were unfair, you were partial. You were never given permissible purpose under 1681B 2. I never instructed anyone to furnish or create this 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 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, 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: NV

Complaint narrative:
Companies continue to traffic my non personal information. I have reached out to CEOs of XXXX, XXXX, XXXX XXXX. I have put XXXX, Transunion, XXXX on notice of the fraud. It has been over XXXX  days. All companies continue to conspire against me trafficking my nonpublic information without written consent or instruction by me the consumer. Causing damages, mental anguish, and defamation of character. Willing and knowingly violating federal law. I have made numerous complaints and companies continue to threaten and use abuse practice against 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 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Companies continue to traffic my non personal information. I have reached out to XXXX of XXXX, XXXX, XXXX XXXX. I have put Equifax, XXXX, XXXX on notice of the fraud. It has been over XXXX days. All companies continue to conspire against me trafficking my nonpublic information without written consent or instruction by me the consumer. Causing damages, mental anguish, and defamation of character. Willing and knowingly violating federal law. I have made numerous complaints and companies continue to threaten and use abuse practice against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On multiple occassions consumer have initiated disputes with EQUIFAX to delete inaccurate, unauthorized and unverified accounts and inquiries on my consumer report. EQUIFAX is failing to provide the extensive investigate report EQUIFAX conducted to delete the requested information. EQUIFAX is also failing to delete the information due to the inaccuracy, which is a clear violation of the FCRA. Consumer demanded that EQUIFAX provide the written permissible purpose that consumer gave EQUIFAX to furnish information on consumer report, EQUIFAX also failed to provide that ; another violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I never gave Equifax consent to report information on my credit report and they recently exposed that they are inaccurately reporting information on millions of consumers credit reports.

Company response to consumer: Closed with explanation