vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXXXXXX XXXX XXXX {$3400.00} Chargrof XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} Chargeoff XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} Chargeoff XXXX XXXX XXXX XXXX XXXX {>= $1,000,000} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$30000.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$29000.00} XXXX XXXX XXXX XXXX XXXX  {$29000.00} Late/Open

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Experian continues to flagrantly violate my rights! XXXX XXXX unlawfully renewed a canceled policy that was unlawful to renew. XXXX XXXX XXXX is not licensed in WA and therefore in violation of FTC, FDCPA & FCRA. Experian is also in violation for reporting false information. The company has never contacted me by mail, only text. They have not profiled proof within the initial 30 days. I do not owe this debt and refuse to pay by extorsion. Experian needs to be reported to FTC for violations of : 15 USC 1692g - Failure to provide debt validation. 15 USC 1692c, 15 USC 1692e, 15 USC 1692g : False statement and representation. Failure to verify assignment contract, chain of assignment contract, purchase agreement and legal ownership of debt. FDCPA, FTC and FCRA violations-XXXX XXXX is not licensed in WA XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I received a check from CFPB for {$980.00}. Case number XXXX. I deposited the check in my checking account, then they closed the account because the check. I called them and they ask me for this check directly and they said thta the reason because they closed the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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.

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 2024-11-09 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: IL

Complaint narrative:
Payments that were marked late by XXXX XXXX XXXX XXXX XXXX company for the following dates ( s ) : XX/XX/year>

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 2024-11-09 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: General Motors Financial Company, Inc.
State: WV

Complaint narrative:
GM financial is a joke! They are not understanding, they don't care about whats going on in the world and the financial burdens people are dealing with because of inflation. I had a month i could not be on time and they refuse to fix the problem and take it off my credit! I will continue to report them until it is solved. People do have hard times occasionally and if they were a single person living in today 's world they would understand but they are GREEDY, XXXX XXXX who could careless and I wouldn't recommend ANYBODY to GM FINANCIAL they are hard to deal with and they tear your credit UP!!!! The CEO is the biggest joke on the planet.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following entries on my credit report is the result of identity theft and should be blocked. 

I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent INQUIRIES I that are not associated with me. All agency both via fax and through Certified mail. 
In addition, I request the immediate removal or the following fraudulent INQUIRIES FROM MY CREDIT REPORT. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX 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 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
My student loans were forgiven in XX/XX/year> pursuant to the Public Service Loan Forgiveness program after I completed my 10 years of qualifying payments. My loan servicer was XXXX. And my balance according to XXXX and XXXX is {$0.00}. 

The balances on these loans should be XXXX on my credit report but it doesnt appear that XXXX has told the credit reporting agencies. My credit report still shows balances of : {$6300.00}, {$10000.00}, {$27000.00}, {$45000.00}, and {$43000.00}.

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 2024-11-09 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: OK

Complaint narrative:
These accounts are not mine I was a victim of identity theft so I contacted the local police department and was afforded a police report to have these accounts removed from my report

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 2024-11-09 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: Synovus Bank
State: PA

Complaint narrative:
I sent a Certified letter on XXXX 2024 asking them for copy of the contact that i signed a full accounting history of the debt every payment history that was made copy of 1099c since they wrote it off and have on my credit report as a charge off. 

i ask for the company to send me real proof regarding the report of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX, and the information listed below, which appears on my credit report, is a result of that XXXX. 

Please block the following information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I would also appreciate receiving notification of the actions taken. 

Accounts : XXXX. ( XXXX XXXX XXXX, Account Number : XXXX ) XXXX. ( XXXX XXXX XXXX, Account Number : XXXX ) Thank you for your prompt attention to this matter. Please find my proof of identity and XXXX  documentation enclosed. 

Sincerely, XXXX XXXX Enclosures : Proof of identity Trafficking Documentation

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 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I recently received a copy of my Equifax credit report, I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX  Your company is in clear violation of the law. Under 15 USC 1681B- permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL 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. 
Did I give you written instructions to furnish this account on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( I ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions- Except as provided in paragry ( 3 ), the term consumer reportdoes not include- ( A ) Subject to section 1681s-3 of this title, any- ( I ) report containing information solely to transactions or experiences between the consumer and the person making the report ; Delete this account from my consumer report Your agency is in violation of 15 USC 1681 Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX XXXX Account # : XXXX date opened XX/XX/XXXX Bal. {$7100.00}, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Bal. {$610.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2024-11-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: CA

Complaint narrative:
EdFinancial ( XXXX XXXX XXXX XXXX ) can not process payment reliably- In fact, every time I've tried to set up recurring auto-payment for my student loan amount with a valid checking account, it constantly flags with an error or will not go through whatsoever. These technical and logistical errors from EdFinancial make it increasingly difficult to pay off my loan on a regular schedule AND accrues more interest costs to me when the payments I try to facilitate fail due to their complete lack of capability and ineptitude of facilitating or processing payments I try to continually make through their services. I've not been able to make any loan payments ( with increasing interest totals ) due to their broken site and abject customer service. 

To reach a resolution, I'd like to either transfer from EdFinancial to another federal student loan servicer or have Edfinancial actually fix their site/services to allow recurring payments to execute reliably.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
On XX/XX/year>, I schedule a test with a merchant, the test to take place in their XXXX, Ga location on XX/XX/year>. 
Merchant changed the location, from XXXX to XXXX ( XXXX miles away ) on XX/XX/XXXX, they refuse to refund only to reschedule ( I can only take the test at the initial location, on the initial date ). 
Contacted Goldman Sachs Apple to remove the charge as I was not receiving the service and merchant refused to refund. 
On XX/XX/XXXX, got an email from GS Apple Card they had contacted the merchant and ask for supporting documents, surprising, because to me they didn't ask me anything. Regardless I provided documents via their messaging system. 
On Monday XXXX, I received a notification from Goldman Sachs apple credit card they had sided with the customer, upon much investigation, calls, emails and messages they informed me they initially filled my complaint as " unauthorized payment '' which tells me they never even look at all the previous communications.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc.
State: WA

Complaint narrative:
Central Portfolio Control continued to call me, day after day, when I finally was around my phone to answer, they demanded I give them my full name, address, date of birth and social security number before they would tell me a scrap of information on the debt they attempted to collect. I provided my name and address, even my date of birth when pushed relentlessly, and they still refused until I provided my entire social number, which I am uncomfortable with doing for a company I know nothing about. They said " then we have nothing more to discuss with you '' and hung up on me. When I called back, I got the same answer, they continue to refuse to provide me with the original creditor. I even asked if they could provide a list of companies they collect for so I could get a better idea of what it was about to continue to discuss resolution, they again refused until I provided the entirety of my private information. I was hung up on multiple times when trying to reason with them and site the laws that say they are required to provide me with things. I requested they mail me information then, got a snarky response and still have yet to receive anything from them. I see them finally populate on my credit report, but it still says nothing about the original creditor, so I have no idea where this " debt '' is from.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the fair reporting act the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX Account # XXXX Account name XXXX XXXX  Account # XXXX Account name XXXX Account # XXXX Account name XXXX Account # XXXX I looked at my XXXX credit report and noticed somethings are incorrect and incomplete and not accurate. And according to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information Concerning the individual about the report relates according to 15 USC 1681EB and according to 15 USC 1681 I ( 5 ) they are supposed to do this 5 treatment of inaccurate or unverifiable information ( A ) In generallf after any investigation under paragraph one ( 1 ) of any information disputed by a consumer any item of information is found to be inaccurate or incomplete or can not be verified the consumer agency shall ( I ) promptly delete that item of information from the file. 
And according to XXXX5 USC 1681 S -2 They are not supposed to 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 2024-11-09 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: OK

Complaint narrative:
These accounts are not mine I was a victim of identity theft so I contacted the local police department and was afforded a police report to have these accounts removed from my report

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 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
These accounts are not mine I was a victim of identity theft so I contacted the local police department and was afforded a police report to have these accounts removed from my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
A violation of the Fair Credit Reporting Act ( FCRA ) occurs when the rules for collecting, distributing, and using consumer credit information are not properly followed. The FCRA requires consumer reporting agencies ( CRAs ) to use reasonable procedures to verify the accuracy of information in credit reports. If a consumer suffers harm due to an FCRA violation, they have the right to pursue legal action against the CRA, seeking compensation for actual damages, statutory damages, and attorney 's fees. The accounts listed in my letter contain inaccuracies, and I am requesting a thorough investigation into these errors.

Company response to consumer: Closed with non-monetary relief