vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-21 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: FL

Complaint narrative:
Iam a victim of identity theft from my XXXX XXXX  i found a few accounts that i don't recognize and my credit is harmed and they violated my privacy and my consumer rights and ruined my credit and this is illegal and against the law i contacted my lawyer and he said we need proof and they never sent me contracts and signatures this is illegal and as of 15 U.S Code 1692g validation of debts and improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, a creditor man not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose i contacted all of them and asked for proof and never mailed or emailed me or called me and this is illegal and the XXXX are the accounts : 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 EXPERIAN BUSINESS CRED XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian 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  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXXXXXX XXXX  XXXX Auto Loans XX/XX/XXXX XXXX XXXX  XXXX Auto Loans XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX  Credit Cards XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: NY

Complaint narrative:
I am disputing several inaccuracies on my Equifax credit report that I believe are incorrect. These accounts do not reflect accurate information, and I am hoping that they can be reviewed and corrected. Also, there are two unauthorized inquiries that need to be removed. Please see the details below : 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 non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Unexpected fees — 
Company: Fundo LLC
State: FL

Complaint narrative:
I received a {$5600.00} merchant cash advance from Fundo, LLC, but they are demanding a payment of {$15000.00}, which is outrageous. There needs to be a law in place to stop these predatory XXXX 's. I was able to make the first weekly payment and I was in constant contact with them when I had to stop the payments due to my XXXX account being suspended, which was my main source of income. I was speaking to someone in their collections department and was about to start a payment arrangement, but then was contacted by their Pre-legal collector instead, demanding more money because they allege that I defaulted on the contract. I never defaulted if I was trying to make payments. I simply sent a letter requesting to stop automatic payments and to revoke power of attorney because my attorney recommended that I revoke it, no company should have that power. 

The Pre-legal collector checked my banks to see that I had no income and agreed to allow me to make smaller payments, then offered an extension when I showed proof of a recent XXXX, not allowing me to work, but they started demanding full payment again and the lowest settlement they would take is {$8500.00}, and I only had a few days to pay. I don't have that kind of money, the entire cash advance went back into the business to obtain inventory which I could no longer sell on XXXX due to account suspension. Now when I try contacting them multiple times, nobody responds. They just filed a UCC lien against me, an individual, not a company, which should also be illegal. Now I can't access the small amount of funds I had during this difficult time. I am XXXX and a hurricane just hit, causing me great loss. These people should not be allowed to destroy people 's lives like this. 

Please see the FTC complaint against RCG Advances, LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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: CO

Complaint narrative:
On XX/XX/year> I made a purchase online of the amount of {$400.00} with a merchant who had a restrictive return policy. I unfortunately did not know about this policy because it was not clearly listed on the merchant website. This purchase was for vehicle parts and the vehicle was unfortunately involved in an accident and declared a total loss, so these parts are of no use to me. 

I attempted to contact the merchant and cancel the order before it shipped, but it was too late. I even offered to cover a restock fee and whatnot. The merchant did not offer to help me in this situation. I had XXXX return the package to the sender without having opened it at all. 

Despite this, the merchant is still not willing to help me, and as of now, XX/XX/year>, I am still disputing this transaction with Goldman Sachs. This is despite their own literature stating evidence includes : " A letter explaining your dispute along with any documents that help confirm that the merchant improperly described their refund or return policy. Examples include a picture of check-out area without posted signs or a screenshot of the checkout page that does not display the refund or return policy '' The merchant does not have the return/refund policy for this product listed on either the product page, or the checkout page on their website, which clearly falls in line with this verbiage. 

I never opened the original item, it has been returned to the merchant by way of the return address in the original shipping container. The merchant has both the unopened product and {$400.00} of my hard earned dollars after 6 months which is beyond unfair.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-21 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: IL

Complaint narrative:
On XX/XX/24 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This has cause me great anxiety, stress, and financial hardship.

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 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I originally applied for the XXXX XXXX XXXX XXXX in XXXX of XXXX  and everything went well. During the application process we disclosed everything regarding the current status of the house, family trust, financial situation, and additional information as requested by XXXX  before doing any type of hard credit pulls to avoid damaging my perfect credit. However, at the very end without any warning the loan processing team came up with a new issue which was never disclosed before the start of the application process. They were unable to approve the loan because there was a deceased person on the XXXX XXXX XXXX? This was obvious from the beginning and had been fully disclosed before allowing XXXX to pull my credit, since dad had passed away 3 years earlier and I together with mom we were the full Trustees and the house deed only had my name and moms on the official county recorders papers. I also had full power of attorney over everything so this was just weird and according to our family attorney made no sense since this was never disclosed by XXXX  before the loan process. The hard inquiry ended up lowering my score and so I asked XXXX due to the undisclosed issue and misleading us that they please remove the hard inquiry since it could have been avoided if they were more professional and transparent. I submitted their official form with everything well explained but they responded in their generic and usual unprofessional manner with no acknowledgment what their actions did to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
This debt collector keeps calling my work even though I have asked them on a recorded line not to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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: CA

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection : XXXX XXXX XX/XX/year> {$8800.00} Personal Information : NAME : XXXX XXXX XXXX XXXX KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYER XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2024-10-21 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : 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 2024-10-21 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:
I am a victim of identity I never authorized and of these companies to pull my credit company.

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 2024-10-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
I received an AMEX e-gift card from my former company in the amount of {$30.00} and I have been unable to use it. I receive it on XX/XX/year> and have tried it on XXXX and in 4 different stores and on the phone. No one seems to accept it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: NY

Complaint narrative:
I'm disputing some inaccuracies on my Experian report that I believe are incorrect. These accounts do not reflect accurate information, so I'm hoping they can be reviewed and corrected. Here are the accounts and inquiries that do not belong to me : 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 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 2024-10-21 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:
I recently reviewed a copy of my credit report and i had noticed fraudulent accounts on my report. these accounts are hurting my ability to obtain credit.

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 2024-10-21 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:
Recently XXXX XX/XX/year>XXXX  I looked at a copy of my credit report and noticed several inaccuracies on my account. These account listed below is hurting my ability to obtain credit. It's my understanding that EQUIFAX will investigate this account for me to ensure accuracy Here is the accounts I am asking you to verify as accurate XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-10-21 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: Figure Technologies, Inc
State: CA

Complaint narrative:
I originally applied for the Figure Home Equity Line in XXXX of XXXX  and everything went well. During the application process we disclosed everything regarding the current status of the house, family trust, financial situation, and additional information as requested by Figure before doing any type of hard credit pulls to avoid damaging my perfect credit. However, at the very end without any warning the loan processing team came up with a new issue which was never disclosed before the start of the application process. They were unable to approve the loan because there was a deceased person on the XXXX XXXX trust? This was obvious from the beginning and had been fully disclosed before allowing Figure to pull my credit, since dad had passed away 3 years earlier and I together with mom we were the full Trustees and the house deed only had my name and moms on the official county recorders papers. I also had full power of attorney over everything so this was just weird and according to our family attorney made no sense since this was never disclosed by Figure before the loan process. The hard inquiry ended up lowering my score and so I asked Figure due to the undisclosed issue and misleading us that they please remove the hard inquiry since it could have been avoided if they were more professional and transparent. I submitted their official form with everything well explained but they responded in their generic and usual unprofessional manner with no acknowledgment what their actions did to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
USAA FSB will not relinquish funds from a cashier check. Check is being held for 10 business days. Given attitude, cussing, will not comply with requests. Told the check will not be cleared due to age of check and overdraft of account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I am a victim of identity theft and these fraudulent information reporting continue to damage my credit reputation and I am refiling this complaint to BARCLAYS BANK DELAWAREX. I am writing to appeal that you block the following false information from my credit report. 
The FTC report number related with this complaint is XXXX including the unauthorized inquiries. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.

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 2024-10-21 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: NJ

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.

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