vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-11 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: FL

Complaint narrative:
To whom this may concern, I am submitting this complaint on my own behalf to address an issue with a Consumer Reporting Agency named EXPERIAN. On or about XX/XX/2023 I submitted XXXX  documentation that determines that I am a victim of XXXX  and the Identification of the negative information that resulted from XXXX. Specifically I provided a XXXX  Victim Letter, Self Attestation, Proof of Identification from a state governmental agency and a Proof of Mailing to EXPERIAN. to have information that resulted from XXXX to be expunged from my Consumer Report. As of XX/XX/2023 EXPERIAN continues to negligently furnish the adverse information that Is result of XXXX  and it is causing me stress because I am attempting to move on from the damages I have received due to the XXXX  and it still continues to haunt me through my consumer reports and it prevents me from extending my consumer credit. It is not fair for a consumer to due everything in their power to address a Consumer Reporting Agency to uphold their grave responsibility with fairness and for a Consumer Reporting Agency to continue to act negligently. After Five Buissnees days of Submitting the information to Experian I have not received a request for more additional information. This is stressing me out and its also taking affect on my household. I am unable at this time to obtain household goods and services for my family due to this adverse information. Experian has been operating negligently and it's causing me damages. I can't sleep probably, I'm constantly crying, my children are worried and feel hopleless as they are unable to help me in my situation. I also feel drained and tired and feel like giving up as I am trying everything in my power to move on but its so hard with this adverse information haunting me. its making me depressed. I informed my doctor about the situation and they've suggested I see a XXXX  and made a referral to do so. I am hoping that the XXXX  can help me proceed forward. I have also been prescribed XXXX  to deal with the emotional trauma but I never began using them as I don't want to have to depend on them as that may lead to addiction or ungodly habits. I am in fear of my life aeveryday and I am trying to fix my financial situation so I can provide myself and my family a better life so they never have to endure the thing I have. Please help. I have attached the information I have shared with Experian.

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 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
According to the FCRA account # XXXX XXXX  CAPITAL ONE Has Violated my rights. 15 U.S.C 1692g States : Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 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 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: PA

Complaint narrative:
On XXXX I requested {$580.00} from the XXXXXXXX XXXX XXXX XXXX, and only received {$100.00}. I'm missing {$480.00} from my account. I filed a complaint on XXXX, there has been no Provisionary credit given. Under reg E provisionary credit should be given after 10 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
We purchased GAP  through ALLY which was paid at the dealership at the time of purchase. 

The vehicle was involved in an accident, and totaled out, Working through GAP and ALLY, the dispute was with GAP and ALLY, Gap promised to pay, however, ALLY indicated that the amount ws not correct, As a result, it is still showing that the payment is owed by the consumer ( which is not true ) Each time Ally was called it was stated that they would fix the issue. It has been almost a year now, and not only is the debt incorrect, it continues to report negatively to my credit, adversly impacting my ability to purchase another vehicle and a home. 

Now, it appears that the debt has been sold to a collection agency which should have Never OCCURED.

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 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 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:
XXXX, Trans Union, And XXXX are obligated by FCRA to report accurate accounting. The consumer has advised ALL the inquiries reported were fraud, and said the company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of the consumer, the consumer is now requesting XXXX, Trans Union, And XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX, Trans Union, And XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. the consumer is NOT asking for an e-oscar report, If XXXX, Trans Union, And XXXX do not have documentation to show these were in fact authorized they must be removed ASAP. Said company is liable under the SEC to follow certain rules, XXXX, Trans Union, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I will be filing form 211 treasury omb forms to audit consumers ' accounts.

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 2023-10-10 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: FL

Complaint narrative:
XXXX, XXXX XXXX, And Equifax are obligated by FCRA to report accurate accounting. The consumer has advised ALL the inquiries reported were fraud, and said the company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of the consumer, the consumer is now requesting XXXX, XXXX XXXX, And Equifax to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX, XXXX XXXX, And Equifax has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. the consumer is NOT asking for an e-oscar report, If XXXX, XXXX XXXX, And Equifax do not have documentation to show these were in fact authorized they must be removed ASAP. Said company is liable under the SEC to follow certain rules, XXXX, XXXX XXXX, EquifaxXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I will be filing form 211 treasury omb forms to audit consumers ' accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 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:
Experian, XXXX XXXX, And XXXX are obligated by FCRA to report accurate accounting. The consumer has advised ALL the inquiries reported were fraud, and said the company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of the consumer, the consumer is now requesting Experian, XXXX XXXX, And XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer, Experian, XXXX XXXX, And XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. the consumer is NOT asking for an e-oscar report, If Experian, XXXX XXXX, And XXXX do not have documentation to show these were in fact authorized they must be removed ASAP. Said company is liable under the SEC to follow certain rules, Experian, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I will be filing form 211 treasury omb forms to audit consumers ' accounts.

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 2023-10-10 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: UPGRADE, INC.
State: MS

Complaint narrative:
In accordance with the fair credit Reporting Act XXXX Account has violated my rights. 

15 USC 1681 Section 602 States I have The Right To Privacy.

15 USC 1681 Section 604 A Section 2 : It is Also States a consumer reporting agency can not furnish a account with my written instructions.

15 U.S code ; 1681a - Definitions rules of construction- Exclusions Except as provided in paragraph the term ''consumer report '' does not include any report containing solely as to transactions or experiences between the consumer and the person making the report ; 15 USS 1688B : A Creditor may not treat a payment on Credit card Account under an open end consumer credit plan as later for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
My name is XXXX XXXX and I had my daughter open a savings account with Goldman Sachs ( marcus.com ). I do not have a phone number so we used her cell number to send SMS authorization codes. This has worked fine for the few years we've had the account opened. I've made numerous transfers to my XXXX XXXX checking account. We then tried to set up another external institution to transfer funds to. The transfer had a problem and my daughter called to find out why. During the conversation, it was disclosed that the phone number tied to my account was hers. At this point in time, they locked my account and I can not access any funds. I have had her call several times and nobody is willing to help. Today we found out they are sending us some sort of affidavit that we need to get notarized. I am in a XXXX  and it is very hard for me to get out and we do not know a notary. I need my funds transferred ASAP and my daughter told them that, but they said they can't do anything. So they have all of my savings locked up at this point for no valid reason. When we signed up for the account, it was never specified that the phone number tied to the account MUST be mine. We went back to look and verified this language is not on the web site. This is some sort of rule they've made up on the fly. Please help me to get my money out of this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Pursuant to the FCRA & the FDCPAI now exercise my lawful right to question the validity of this debt your agency claims has come Que Fair Credit Reporting Act 609 Disclosures to consumers : ( c ) ( 2 ) ( E ) : A consumer reporting agency is not required to remove accurate derogatory information from a consumers The, untess the information is outdated under section bUs or can not be verified Fair Credit Reporting Act 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy. 
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( 9 ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX-day period beginning on the date. XXXX XXXX XXXX  need to be remove

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 2023-10-10 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: Consumer Portfolio Services, Inc.
State: NC

Complaint narrative:
I did not authorize these hard inquiries appearing on my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The following accounts I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXXXXXX, XXXX XXXXXXXX ; Inquiry : XXXX XXXX Inquiry DateXXXX.

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 2023-10-10 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: FL

Complaint narrative:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The following accounts I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXXXXXX, XXXX XXXXXXXX ; Inquiry : XXXX XXXX Inquiry DateXXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc.
State: CA

Complaint narrative:
Franklin collection company is reporting a debt, even they are not licensed in the state of California, and requested original purchase agreement and got excuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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:
These accounts were opened during a time when I did not live in the U.S, I was between XXXX and the XXXX XXXX XXXX. I have filed an FTC report which I'm including plus additional documentation which proves I did not live in this country while this identity theft was happening. 

I'm providing my XXXX passport, XXXX application and XXXX passport. As you can see I was out of the country all the time that these collections happened. 

The accounts in question are : XXXX XXXX XXXXXXXX XXXX {$5800.00}, XXXX XXXX {$32000.00}, XXXXXXXX XXXX XXXXXXXX {$6900.00}

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 2023-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NJ

Complaint narrative:
On XXXX XXXX was taken out my account by a supposedly chime member and I put a dispute in three times got denied and even sent documents showing I was in NJ and the transactions came from PA

Company response to consumer: Closed with monetary relief