vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
I have a credit limit of XXXX and XXXX balance right now. On XX/XX/2023 I decided to upgrade my XXXX laptop and I made a purchase through apple.com financing monthly payment option. Everything went through. I decided I wanted to upgrade the specs even more, so I cancelled that order, and tried to place another one. 

My cancellation went through, but the payment for placing a new order got denied. I kept getting this error. 

" Thank you for your interest in Apple Card Monthly Installments. 

Unfortunately, your payment was not approved at this time. 

Please go to the XXXX app to manage your Apple Card account or chat with an Apple Card Specialist. 

You can also continue your purchase by selecting a different payment method '' I didn't get a fraudulent prompt or call like I normally would. So I called Goldman Sachs support and used their text services. They said it got flagged for fraud, so they verified my identity, released it and said I can make the purchase. So I try to make the purchase again. 

Same cycle, this time I had to verify with my driver license and change my XXXX XXXX XXXX. Then same cycle again. I then call support and she says my account is completely clear, review is over. I make the purchase with her on the phone. She says it flagged it again, and now my account is under review again. It's become a vicious cycle. Even the support rep was confused and apologetic that she didn't know what was going on. I was just in a cycle of, make purchase, get denied, account under review. 

Then when an account is under review, a support agent can't tell you anything or or do anything else. Instead they just say you'll have to wait the 5-7 days for someone to call. No one ever calls. Even then, the same issue keeps happening. I can not use my card. 

At this time my account is restricted and frozen again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 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: CA

Complaint narrative:
Legal Department, I have submitted dispute on the following fraudulent accounts, and they were returned back to my credit history after being removed per lenders request. The accounts that are being disputed are fraudulent and as of my knowledge according to the facts they shouldnt be reported back. 

The collection accounts listed below are items currently within my credit file, and they are not related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( XXXX ) responsible for creating these accounts : XXXX. Account name and number : XXXX XXXX XXXX Date it was opened : XX/XX/XXXX XXXX. Account name and number : XXXX XXXX Date it was opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Legal Department, I have submitted dispute on the following fraudulent accounts, and they were returned back to my credit history after being removed per lenders request. The accounts that are being disputed are fraudulent and as of my knowledge according to the facts they shouldnt be reported back. 

The collection accounts listed below are items currently within my credit file, and they are not related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( XXXX ) responsible for creating these accounts : XXXX. Account name and number : XXXX XXXX XXXX Date it was opened : XX/XX/XXXX XXXX. Account name and number : XXXX XXXX Date it was opened : 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 explanation
Consumer complaint received 2023-07-18 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: OH

Complaint narrative:
In accordance with the fair credit reporting act XXXX  accounts listed below has violated my rights. 

15 U.S.C 1681 section 602A States l 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 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 2023-07-18 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: OH

Complaint narrative:
In accordance with the fair credit reporting act XXXX  accounts listed below has violated my rights. 

15 U.S.C 1681 section 602A States l 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 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 2023-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IA

Complaint narrative:
I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.

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 2023-07-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have submitted multiple disputes regarding accounts that do not belong to me and they are still reporting on my credit report. I also submitted multiple ftc reports regarding the accounts that do not belongs to me. These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

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 2023-07-18 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 disputed a collection account reported by XXXX XXXX  XXXX XXXX ( Account # XXXX ) to TransUnion. 
XXXX XXXX filled out the dispute form and was assigned File  ID # XXXX by Transunion. 
This disputed collection account stemmed from an alleged {$2600.00} debt from XXXX XXXX, a utility company, for electric & gas service that were not mine, and incorrectly billed to me. I did not authorize the XXXX XXXX utility service, did not request it, and did not live at the premises where the utilities were wrongly put in my name. As such XXXX XXXX was wrong in billing me, and I did not pay this incorrect bill. 

XXXX XXXX  XXXX responded in a letter dated XXXX XXXX, XXXX, enclosing requested validation as supplied by the creditor. 
All that this validation indicated was that XXXX XXXX had an account in my name which included a transfer debit of {$2600.00}. 
But this does not actually validate the debt, because it does not address the fact that XXXX XXXX WRONGLY opened a utility account in my name, without my request or authorization, at a premises where I did not reside and have never occupied. 
XXXX XXXX XXXX ' collection account, based on XXXX XXXXXXXX  wrongfully charging me for utilities that were not mine, has caused my credit score to drop by XXXX  points, making me unable to obtain needed financing, and causing me serious financial harm. 
I responded in a letter dated XX/XX/2023 ( CCing CFPB ), explaining this, demanding in the strongest terms that XXXX XXXXXXXX XXXX have this collection account removed from Transunion and any credit reporting agency immediately. 
Then I yet again received a letter from XXXX XXXX  XXXX, same as the letter they sent XX/XX/2023, completely ignoring the nature of my complaint that XXXX XXXX  was wrong in billing me in the 1st place. 
XXXXXXXX XXXX  XXXX did not bother to read the content of my complaint, and has not taken necessary steps to respond in a responsible manner. 
My Credit Score has been reduced by XXXX  points, and I am still unable to qualify for necessary financing. 
Can CFPB please do something about this? 
Feel free to call me at XXXX. 
Thank you for your consideration.

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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2023-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am formally requesting the removal and deletion of the following accounts and associated information from my consumer report. It has come to my attention that these accounts should not have been reported on my consumer report, and their presence is a clear violation of the FDCPA and FCRA. I insist that these accounts and information be promptly removed from my consumer report to comply with the relevant laws. I demand their immediate removal to rectify this violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Frontline Asset Strategies, LLC
State: IA

Complaint narrative:
I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
As per 15 U.S. Code 1681s2, 15 U.S.C. 1681b, this company ( CHASE ) JPMCB CARD SERVICES has violated my rights as a consumer the creditor has already filled as a loss/charge off and it isnt disputable debt it is now considered as income according to the IRS is taxable income and I havent yet received my 1099c

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Federal 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 XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX 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 instruction.

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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX FALSELY REPORTED ON MY CREDIT REPORT THAT I WAS LATE FOR THE MONTH OF XXXX. MY PAYMENT WAS DUE ON XX/XX/XXXX AND I MADE MY PAYMENT ON XX/XX/XXXX SO HOW COULD I POSSIBLY BE LATE? XXXX XXXX RUINED MY CREDIT RATING AND BROUGHT MY SCORE DOWN DRASTICALLY. SINCE I'VE BEEN WITH XXXX XXXX I HAVE ALWAYS MADE IT MY BUSINESS TO PAY THEM ON TIME AND I'VE NEVER HAD A LATE PAYMENT. I AM TRULU DISTROUGHT AT THEIR ACTIONS.

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 2023-07-18 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am XXXX XXXX and am sending this letter on my behalf, requesting that the extended fraud aler

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 2023-07-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
I had a store credit card with Kohls. I made a in store purchase at Kohls in XXXX of XXXX  in the amount of {$37.00}. I was signed up for electronic delivery for statements but never received an emailed statement. I was then notified by XXXX that Koh 's had reported a balance +60 days unpaid. I immediately went on to Kohl 's website and paid the original balance and all late fees as well as changed my billing preference to paper. I called Kohl 's customer service to advise them that I was never receiving the emailed statements. The individual said they could not discuss it with me but was happy to help be cancel my card. I proceeded to cancel my card. The next day XXXX notified me that my XXXX XXXX was decreased as a result of what Kohl 's reported. I called Kohl 's again and spoke with XXXX ( XXXX ) and explained that I was never receiving the emailed statements and asked if she can provide me with verification that they sent and delivered the statements to my email. She could not. I then asked if they could retract the negative reporting to the Credit Bureaus as a result of them not delivering me my statements. She said yes they could and I would receive a letter within 30 days from them. I received the letter yesterday and it said that they reviewed and will not be making an adjustment. I called Kohl 's today and spoke to XXXX and again explained that I was never receiving my statements and asked her why the prior representative said the negative reporting would be removed? I even shared that I asked her will it be removed and she said " yes since I never received my statements '' She said the prior representative probably misspoke. XXXX said that there is noting she can do to help me other than open another review with them. She also advised that I could not speak with anyone else who is actually conducting the review. I asked about why my statements were not sent to me for me to know that I had a balance and she said that they do not send them so she can not help me with that either. She said I could make a written request to them if I do obtain legal counsel. The bottom line is that they were not delivering me my statements as required leading to the negative reporting to the Credit Bureaus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: FL

Complaint narrative:
This report is a follow-up to a systemic breakdown amid the United States Department of Education 's former loan servicer, " Great Lakes '' for direct student loan consolidation. 
[ My Previous Complaint # : XXXX, XXXX, XXXX, XX/XX/2022, XX/XX/2022 ] Formerly, I had a complaint concerning roughly XXXX points being deducted from my credit report by XXXX and XXXX due to a U.S. Department of Education loan consolidation on XX/XX/2022. Recently, I discovered via reliable media sources that the disconnect was caused by a coding error through Great Lakes, which reported 5 million borrowers as incorrectly having a loan deferment status in lieu of a current payment status.

Therefore, the borrowers credit scores were lowered and negatively impacted. 
Great Lakes has stated via the media that they are working with the credit reporting agencies to rectify these inaccuracies. However, I tried calling their number listed and was unable to initiate contact with the company. 

In closing, I am requesting that Great Lakes contact XXXX and XXXX on my behalf to rectify the situation at hand. The deduction of XXXX points from my credit file has never occurred during my fiscal lifetime. I trust a speedy resolution will be reached with all borrowers -- who were impacted by the Great Lakes ' coding error as well. 

Thank you, kindly, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
IC System is trying to collect on a fraudulent debt of {$1000.00} on behalf of XXXX XXXX with a settle offer of {$520.00}. When XXXX XXXX actually owe {$2600.00} for their fraudulent acts.

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 2023-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HUNTINGTON NATIONAL BANK, THE
State: TX

Complaint narrative:
I paid off my loan and the organization is holding my payment and lien release for an excessive period of time. The payment cleared my checking account the same day as when I called in on XX/XX/XXXX. I was told the lien release would be sent electronically after 7 business days on XX/XX/XXXX. Since that payoff call I have made multiple calls and been given different information and dates every time I call. Additionally I have been lied to multiple times and by multiple phone reps. Lies have been about a supervisor/manager being at their desk ready to take a call only to find out on the next call minutes later the manager is out of the office that day. Also the reasons for the delayed hold and subsequent lien release seem to change every time I call. No one seems willing to have an honest conversation about the service and issue.

Company response to consumer: Closed with non-monetary relief