vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-04 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: MS

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I have been a customer at Marcus Goldman Sachs for 2 years now. I have all my savings in there as well as scheduled deposits from my XXXX XXXX  into Marcus every 2 weeks. So does my husband, XXXX XXXX. In the past, I have had no problem transferring money from Marcus back into XXXX if I needed cash. Yesterday, I tried to transfer money from my Marcus account to my XXXX  account, as I need money for closing costs as I am buying my first house- it closes this Friday XXXXXX/XX/year>. They denied the transaction. I called Marcus this morning and even after providing them my social security, DOB, security question, phone, email and full name they still could not verify it was me. They normally verify by sending a code to your mobile, which they said they can not do. They also could not send a code to my husbands phone who is also a joint account owner. They could not give me a reason why my transaction was denied, nor why they cant send a code to my number. MY NUMBER WHICH I RECEIVE THE VERIFICATION CODE EACH TIME I NEED TO LOG IN!!!! So they are okay to send a code for me to access my bank account, but won't send a code to verify its me??? I asked to talk to a supervisor, they said to call back. They also said accounts investigation department will call within 3-7 business days -I DONT HAVE 3-7 BUSINESS DAYS. This is MY money in MY bank account, extremely concerning. They can't verify my drivers license as it's XXXX and its not part of their registered States, whatever that means. I desperately need my money and I have 0 access to do and 0 support from Marcus. I have also read online that so many people have been affected by this, and have ended up being locked out for up to a month. I need the money by Friday, I do NOT have time to wait. Others have also had to notarize a AFFIDAVIT of identify, just because Marcus won't send a txt to your number. I do not have time for this, it needs to be mailed to me and mailed back which is just pathetic in this day and age. I will most definitely be closing my account with them once I can transfer money out. I will be calling them back shortly and will let them know I filed a complaint with CFPB. Please please help me. I need access to my own money ASAP and I can not believe what is going on. This is wrong on so many levels.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: DRB-40, LLC
State: TX

Complaint narrative:
I paid off ( paid in full ) my loan with XXXX  # XXXX a fraudulent loan in my name was somehow set up. I called XXXX and complained. Attached is the emails I received from XXXX. I am filing a Police Report, however the report is being filed late. I have XXXX collection Agencies trying to collect on this fraud in different amounts. XXXX the " XXXX XXXXXXXX XXXX, XXXX Original Creditor XXXX  # XXXX, current XXXX XXXX XXXX XXXX in the amount of {$XXXX}. And the second XXXX XXXX XXXX  amount {$XXXX} settlement Offer {$XXXX} case # XXXX. 
Two collection companies trying to collect on a fraudulent loan in different amounts. 

THIS IS NOT MY LOAN, AND I AM NOT GOING TO PAY IT. 
A XXXX XXXX XXXX gained access to my checking account and reversed payments I made and tried to say it was a loan. Copies of my bank statement showing the reversals and his emails are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: IL

Complaint narrative:
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 I am writing to allege misconduct during Attorneys representation of others ( BNY ) in cases numbered XXXX and XXXX ( XXXX ) Failing to disclose relevant facts Making partially true but misleading statements Omitting information that is equivalent to an affirmative false statement Offering evidence that the lawyer knows is false Attorneys failed to file and waiver the BNY and document Filing Notification of Affiliates, These missed deadlines have caused delays in my cases and harassment and order default. 
This situation has caused us significant hardship, as we are unable to access our home. 
I have attached copies of emails sent to the authorities as evidence of my claims. 
I request that this complaint be investigated and that appropriate disciplinary action be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 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: MD

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  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and 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 non-monetary relief
Consumer complaint received 2024-09-04 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: MD

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  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and 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 2024-09-04 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: TX

Complaint narrative:
I requested that the fraudulent information to be removed because the information is not mine i am a victim of identity theft due to several data breaches. Nothing has been removed to remedy the situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: CrossCountry Mortgage LLC
State: TX

Complaint narrative:
THIS HAS BEEN AN ONGOING ISSUE SINCE XX/XX/XXXX, WHEN MY LOAN WAS TRANSFERED. I'M ACCUSED OF BEING LATE ALMOST EVERY MONTH. I USE THE CHAT OPTION TO " TRY '' TO TAKE CARE OF THESE ISSUES BUT THAT OPTION HAS BEEN TAKEN AWAY FROM ME BECAUSE CROSS COUNTRY MORTGAGE IS ACCUSING ME OF BEING LATE " AGAIN ''. I CAN'T EVEN PAY MY LOAN PORTION BECAUSE OF THIS. MY HOUSING AUTHORITY PAID IN XXXX FOR XXXX AND IN XXXX FOR XXXX BUT NOT ACCORDING TO CCM. I CHATTED WITH AN AGENT ON XX/XX/XXXX AND SHE SAID SHE WOULD AND THAT SHE DID FIX THE PROBLEM. NOPE, SHE DIDN'T. I GOT A STATEMENT FROM CCM SAYING I'M 30 DAYS LATE. THAT'S WHAT IT SAYS NOW ON THEIR WEBSITE. MY HOUSING AUTHORITY PAYS A PORTION AND I PAY A PORTION. APPARENTLY, CCM IS NOT POSTING PAYMENTS FROM MY HOUSING AUTHORITY IN A TIMELY FASHION, THEREFORE, ACCUSING ME OF BEING LATE. AS OF NOW, I CAN'T PAY MY PORTION AND TODAY 'S THE XXXX. I CAN'T CONTINUE TO DEAL WITH THE STRESS OF THIS BS AND IT NEEDS TO STOP OR I WILL SEEK LEGAL ACTION. I'M XXXX AND A XXXX XXXX XXXX I DO NOT NEED NOR DO I WANT THIS UNDUE STRESS!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion has a phone number of XXXX on my personal information page of XXXX Transunion needs to provide information of a contract or proof from a phone carrier to this number being mines. 
Transunion has no right to put information on my credit file with out any proof contract sign or document as by transunion.

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 2024-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Hello, I received an email stating that the sending and receiving functions of my account were XXXX due to security concerns. I tried contacting support and was informed that there was a report linking my account to high-risk behavior. I would like to emphasize that this is not possible, as my reputation is impeccable. I have been working with PayPal for several months without ever encountering any issues.

I do not understand how this conclusion was reached and kindly request that my case be reviewed. There has been no clear reason or evidence of any violation of PayPals terms and conditions. 

I appreciate your attention and the support of your team in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-09-04 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: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Upon a detailed review of my recent credit report, I noticed several accounts that appear to be fraudulent and were added without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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 requested that the fraudulent information to be removed because the information is not mine i am a victim of identity theft due to several data breaches. Nothing has been removed to remedy the situation.

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 2024-09-04 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: TX

Complaint narrative:
I requested that the fraudulent information to be removed because the information is not mine i am a victim of identity theft due to several data breaches. Nothing has been removed to remedy the situation.

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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My recent credit report contains several fraudulent accounts that were added without my knowledge.

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 2024-09-04 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief