vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm trying to temporarily lift the credit freeze I have placed with all three credit bureaus so that I can apply for a line of credit. This takes less than XXXX minutes with XXXX and XXXX and has proven impossible with Experian. When I try to log in to my account I am told my password is incorrect and my phone number does not match their records. I've never had another phon

e number. When I try to reset my password the system tells me they've sent me a code, but no code arrives. I've called customer service and only get an automated system outlining the steps I have already taken to try to access my account. The automated system emphasizes that it can not transfer me to an agent. There are dozens of similar consumer stories posted online. In essence, Experian has blocked consumer 's access to our accounts, thereby preventing access to lines of credit. It's been a known problem since at least early 2022, and they are doing nothing to resolve it. What actions are being taken against Experian for this breach of consumer trust?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to formally address a significant issue regarding my recent vehicle purchase from XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX, TX XXXX. On XX/XX/2024, I entered into a purchase agreement with XXXX XXXX for a vehicle, during which several critical misrepresentations were made. 

Firstly, XXXX XXXX assured me that the necessary registration paperwork had been submitted for the vehicle 's registration. However, to date, I have not received the title for the vehicle, leading me to believe that the registration process was not completed as promised. 

Furthermore, the vehicle was sold to me with undisclosed issues, which have subsequently become apparent after the purchase. These undisclosed issues significantly impact the vehicle 's functionality and value, constituting a breach of trust and fair dealing. 

On XX/XX/2024, I made the decision to cancel the contract with XXXX XXXX due to these unresolved issues. While I appreciate the prompt return of my deposit by XXXX XXXX 's XXXX, XXXX XXXX, it is concerning that the full payment for the vehicle has not been returned to either the lien holder or myself. 

I am seeking a swift resolution to this matter and kindly request that XXXX XXXX rectify the situation by promptly returning the full payment for the vehicle as agreed upon in our contract. 

I look forward to your prompt attention and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: SC

Complaint narrative:
My XXXX XXXX was taken from me after letting a stranger borrow it on on XX/XX/2024. The phone was unlocked and the individual was able to change the password, removed my XXXX trusted device, and locked me out of my ID. There was no way to reset this password without a SMS verification code that went only to the stolen phone. 

Next, the thief then proceeded to login to the XXXX XXXX XXXX  and download a game called " XXXX XXXX XXXX and made XXXX transactions for {$110.00} for XXXX Diamonds in game purchase and XXXX transactions for {$11.00} for XXXX Diamonds in game purchase. The device appeared to be logged in from XXXX during this according to my XXXX email notifications. 

I spoke with a fraud XXXX who worked for Goldman Sachs Apple Card division who made a claim against these fraudulent transactions on XX/XX/2024. I called back on XX/XX/2024 after receiving an email notification that my disputed charges were reversed and was told that was an error. I would be compensated for these fraudulent transactions made through this game on the XXXX App store and I would not need to worry. As a credit card company they will reverse fraudulent transactions. 

Now today on XX/XX/2024, I received another notification today that Goldman Sachs XXXX XXXX Card has done a Provisional Adjustment Reversal on XXXX of the {$110.00} transactions and XXXX {$11.00} transaction. 

Their investigation concluded with a note on these XXXX reversed transactions : " We reviewed the available which confirms that you authorized the purchase with the merchant. '' Which I clearly did not. I did not have access to my XXXX XXXXor several weeks following the incident, until I could get a replacement SIM card and phone. 

I also believe that the company may try to do to the remaining XXXX of XXXX fraudulent transactions as well. I have not recieved any notifications about those yet but it is possible those will be reversed. So I would like to make sure that is addressed as well in this complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-22 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: MD

Complaint narrative:
After starting a mortgage application, I noticed my credit information on my Experian report was wrong and contacted them on XX/XX/XXXX. I informed Experian of the errors, which was that Experian used someone else 's social security number, date of birth, and even name on my credit report, resulting in a damaging errors and low credit score. 

On XX/XX/XXXX, Experian responded that they have reached out the creditors who confirmed the reporting is correct. However, the issue is that Experian was using the wrong Social Security number, Date of Birth, and name on my credit report, resulting in damaging info on my credit report and score. I've appealed again on XX/XX/XXXX, and the result in pending. I would like CFPB to look into the matter. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
The institution violated The Family Educational Rights and Privacy Act ( XXXX ) is a federal law enacted in 1974 that protects the privacy of student education records. XXXX applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) ; and also 5 U.S. Code 1681 - Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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.

15 U.S. Code 1681b - Permissible purposes of consumer reports 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. 
They need my written consent to add anything to my consumer report I did not give this institution authorization ; that is a violation of the Fair Credit Reporting Act P.L XXXX ( XXXX Stat. XXXX ) even stricter as it states that any agency can only get my report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ). WHICH WAS NOT DONE!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 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 hand 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 non-monetary relief
Consumer complaint received 2024-04-22 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I assert that by law, the transactions referenced in my consumer report were not made by me. I categorically deny providing written consent to the companies involved to report or furnish any information pertaining to these transactions on my consumer report. It is my legal right to ensure the accuracy and integrity of my consumer report, and I request that the appropriate actions be taken to rectify this matter promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : NCB Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account XXXX Account Name : XXXX  Account NumberXXXX  Account Name : XXXX Account Number XXXX XXXXXXXX Account Name : XXXX  Account NumberXXXX  Account Name : XXXX  Account NumberXXXX Account Name : NCB Account NumberXXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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: VA

Complaint narrative:
I never applied for any student loans I never attended any of the schools listed on the credit report I know that my ex wife XXXX had applied for the loans because she was a XXXX  and I didnt sign up for any loans I believe she falsified my name and she was able to get the loans because I had good credit and she didnt I just want this cleared off my credit report I am a veteran so if I have a XXXX XXXXl for myself why would I apply for a student loan it doesnt make sense XXXX signed my name falsely period I disputed this years ago and it is still on my credit report about student loans that I dont know nothing about please investigate this matter and fix my credit report please

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: LA

Complaint narrative:
After reviewing my credit report, I have identified some information that were not authorized. I'm a victim of Identity theft and this information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I voluntarily surrendered a car back to navy federal cr union in XXXX navy federal recouped their losses through collateral.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: WA

Complaint narrative:
DESPITE MY PERSISTENT EFFORTS TO CONTEST THE INACCURACIES IN THE INFORMATION PROVIDED TO XXXX, XXXX, AND TRANSUNION, UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED UP TO THIS POINT. 

Report in XXXX : 1. The following personal information is incorrect Former : XXXX XXXX XXXX 2. The following personal information is incorrect Former : XXXXXXXX XXXX XXXXXXXX 3. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX 4. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX XXXX XXXX Account Number : XXXX 15 U.S.Code 1681a ( 3 ) ( b ) - Consumer report should not include an individualized list or description on the payment transaction of the consumer for medical product or services. 


Report in XXXX : 1. The following personal information is incorrect Date of Birth : XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX 3. The following personal information is incorrect Employers : XXXX XXXX 4. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX XXXX XXXX Account Number : XXXX 15 U.S.Code 1681a ( 3 ) ( b ) - Consumer report should not include an individualized list or description on the payment transaction of the consumer for medical product or services. 


Report in TRANSUNION : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, WA XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, WA XXXX 3. The following personal information is incorrect Employers : XXXX XXXX XXXX, WA 4. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX XXXX XXXX Account Number : XXXX 15 U.S.Code 1681a ( 3 ) ( b ) - Consumer report should not include an individualized list or description on the payment transaction

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
DESPITE MY PERSISTENT EFFORTS TO CONTEST THE INACCURACIES IN THE INFORMATION PROVIDED TO XXXX, EXPERIAN, AND XXXX, UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED UP TO THIS POINT. 

Report in XXXX : 1. The following personal information is incorrect Former XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Former : XXXX A XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX 5. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX XXXX XXXX Account Number : XXXX 15 U.S.Code 1681a ( 3 ) ( b ) - Consumer report should not include an individualized list or description on the payment transaction of the consumer for medical product or services. 


Report in EXPERIAN : XXXX. The following personal information is incorrect Date of Birth : XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX XXXX XXXX Account Number : XXXX 15 U.S.Code 1681a ( 3 ) ( b ) - Consumer report should not include an individualized list or description on the payment transaction of the consumer for medical product or services. 


Report in XXXX : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, WA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, WA XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX, WA 4. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX XXXX XXXX Account Number : XXXX 15 U.S.Code 1681a ( 3 ) ( b ) - Consumer report should not include an individualized list or description on the payment transaction

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 non-monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2024, two loans were fraudulently created in my name using Affirm.com with the retailer XXXX. The amounts are {$470.00} and {$1000.00}. 

On XX/XX/2024 I contacted Affirm when I saw an email I did not recognize from them. I learned of these two loans that I did not create. Affirm told me to contact XXXX to have them cancel the order. There is no phone customer service for XXXX and the only way to contact them is via email. I have no record of the orders as they were fraud, so I sent them an email about the affirm loans created in my name with their company. 

On XX/XX/2024 I contacted Affirm again who told me I needed to wait for their department to resolve. Meanwhile the loans still exist and they can not cancel them even though they were clearly fraudulent. I keep being told to wait and it is unacceptable.

Company response to consumer: Closed with explanation