vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 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:
Contents of this complaint : This CFPB complaint has been filed to request pursuant to FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXXXXXX XXXX XXXX  of you receiving this complaint. 
This fraudulent, inaccurate, and false information consist of : XXXX XXXX - Balance {$1000.00} XXXX XXXX XXXX XXXX - Balance {$160.00} XXXX XXXX XXXX XXXX XXXX - Balance {$2200.00} XXXX XXXX XXXX XXXX XXXX - Balance {$990.00} XXXX XXXX XXXXXXXX - Balance {$1100.00} XXXX XXXX XXXX - Balance {$0.00} XXXX XXXX XXXXXXXX - Balance {$1600.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX - Balance {$760.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX - Balance {$6700.00} XXXX XXXX XXXX XXXX - Balance {$0.00} XXXX XXXX XXXX XXXX - Balance {$1500.00} XXXX XXXX XXXX XXXX - Balance {$3200.00} XXXX XXXX XXXXXXXX - XXXX {$370.00} XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( Unknown Address ) These accounts have resulted in fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections and address appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections and address are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and address are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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:
Contents of this complaint : This CFPB complaint has been filed to request pursuant to FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXXXXXX XXXX XXXX of you receiving this complaint. 
This fraudulent, inaccurate, and false information consist of : XXXX XXXX - Balance {$1000.00} XXXX XXXX XXXX XXXX - Balance {$160.00} XXXX XXXX XXXX XXXX XXXX - Balance {$2200.00} XXXX XXXX XXXX XXXX XXXX - Balance {$990.00} XXXX XXXX XXXXXXXX - Balance {$1100.00} XXXX XXXXXXXX XXXX - Balance {$0.00} XXXX XXXX XXXX - Balance {$1600.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX - Balance {$760.00} XXXX XXXX XXXX Bank XXXX XXXX - Balance {$6700.00} XXXX XXXX XXXX XXXX - Balance {$0.00} XXXX XXXX XXXX XXXX - Balance {$1500.00} XXXX XXXX XXXX XXXX - Balance {$3200.00} XXXX XXXX XXXXXXXX - XXXX {$370.00} XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( Unknown Address ) These accounts have resulted in fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections and address appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections and address are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and address 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 explanation
Consumer complaint received 2024-11-19 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: PA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: GA

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX XXXX before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX XXXX before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-11-19 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX XXXX. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX XXXX, they should be promptly removed from my credit report. Since it has been over XXXX XXXX, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: WA

Complaint narrative:
I purchased items through XXXX for XXXX to pick up in-store on XX/XX/year>. I went on XX/XX/year>, and they didn't have them ready for me. I never picked up the items and expected the money to be refunded to me ; it wasn't. I engaged XXXX support several months later, asking for a refund. They said they no longer could because the transaction wasn't in their system. They asked me to dispute the charge with my credit card company, Goldman Sachs ( Apple Card ). 

1st dispute ( XXXX ) opened on Thu, XX/XX/XXXX, XXXX AM. Goldman Sachs never asked for evidence on the dispute. 1st dispute was closed on Thu, XX/XX/XXXX, XXXX AM, with a statement saying, " Based on available information, our records do not indicate that the merchandise has been returned for a refund. '' However, I never received the ordered items, so this was wrong. I engaged Goldman Sachs a second time asking for why it was closed and opened up a 2nd dispute. 

2nd dispute ( XXXX ) opened Thu XX/XX/XXXX, XXXX AM. Received an email to attach evidence Thu, XX/XX/XXXX, XXXX AM and sent the data as it came in from XXXX Thu, XX/XX/XXXX, XXXX PM, Mon, XX/XX/XXXX, XXXX PM, and Thu, XX/XX/XXXX, XXXX PM. XXXX is asking the credit card company to accept this dispute in my favor. 

The second dispute closed on Monday, XX/XX/XXXX, at XXXX PM, saying, " We further investigated the dispute and reviewed any additional information that may have been provided. Based on our review, the original decision will remain because there is no evidence to substantiate the claim. '' This is incorrect. Had Goldman Sachs looked, they would see that XXXX themselves are asking to refund me via this process. Goldman Sachs isn't even looking at this data. 

I immediately engaged them and escalated the issue, including trying to engage their legal team. 

The third dispute ( XXXX ) is now open on Monday, XX/XX/XXXX, at XXXX PM. The same evidence has been supplied to them on Monday, XX/XX/XXXX, at XXXX PM. I have engaged the Washington State Attorney General 's office and submitted this complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Fees charged
Company: SOUTHSTATE BANK CORPORATION
State: FL

Complaint narrative:
I have been making extra payments since borrowing the money for my home from South State Bank. It clearly states on my checks that all extra cash will go to the principal. But the principal didn't seem to be going down enough, even with my extra payments and the extra money made with each payment. I also split my monthly payments and pay them bimonthly to save on interest, so I don't know how to calculate my monthly interest. I have never been late on a payment. I have called several times since acquiring the loan in XXXX to ask about the interest. The loan person always told me that there were no mistakes. Then I realized they were putting my principal payments toward future monthly payments and taking out their interest! 
When I realized this, I called South State Bank, and they said, " Well, that's great! You're way ahead and don't owe a payment for months! '' I told them that it wasn't great and that they should go back to the beginning of the loan and calculate my balance if my principal payments were applied correctly, but they wouldn't. This is not right. I'm a XXXX and work XXXX shifts, running non-stop on a busy hospital unit, and work extra overtime shifts every week to pay off my mortgage so I can retire. I'm almost XXXX, so this is not easy. And these people are not allowing me to make interest-free principal payments! I've been slaving away all these years so they can increase their profit. Also, about a year or XXXX ago, I received a notice that my homeowner 's insurance was canceled due to a lack of payment at the beginning of hurricane season! In Florida! I told them I wanted to pay for my own insurance from then on, but they wouldnt allow it. Dont I have a right to pay my own?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: HI

Complaint narrative:
This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the Equifax 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 XXXX  : Account number : XXXX, These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being 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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: PA

Complaint narrative:
When I reviewed my credit report this morning, I was stunned to find inaccurate accounts listed for no apparent reason. Ive always checked my credit report consistently, and this has never happened before. I refreshed my browser, hoping it was just a technical error, but the errors didnt go away. Im now asking for a careful review of my submitted documents so I can stop worrying about this issue.

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 2024-11-19 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: PA

Complaint narrative:
This morning, I was shocked to see inaccurate accounts on my credit report, and I cant understand why theyre there. I check my report regularly, but this time, unexpected discrepancies appeared without explanation. I even refreshed my browser, thinking it might be a glitch, but the inaccuracies stayed. Im deeply concerned and request a thorough review of the documents Ive provided so I can finally put this behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: PA

Complaint narrative:
I just discovered unauthorized inquiries on my credit report this morning and have no idea how they got there. After routinely checking my report, I noticed these unexpected discrepancies. I even refreshed my browser to rule out a glitch, but the issues persist. I urgently request a thorough review of the documents I've submitted to ensure this matter is resolved quickly and I can stop worrying.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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 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 2024-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
First Point Collection has placed a {$130.00} collection on my credit bureau report with XXXX, XXXX and XXXX on XX/XX/XXXX. I have never received any verification or information on the alleged {$130.00} debt for utilities. The credit report list that the collection was opened on XX/XX/XXXX and is subject to my XXXX  XXXX Order of Discharge which is fully incorporated herein.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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:
It saddens me to say that my rights under federal law are being violated and not respected. The law isn't being respected either, this company has been hindering information on my credit file for quite some time. Congress clearly created the Fair credit reporting act to ensure consumers were being treated equally and fair. The law states under 15U.S.C.1681 section 602A I have the right to privacy. The law also states under 15U.S.C.1681 section 604 ( a ) 2 any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer of to whom it relates. I have never gave any consumer reporting agency permission to furnish anything on my report. I have been a victim of identity theft and in the fair credit reporting act the law clearly states under 15U.S.C. 1681 section 605Ba consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. SEE ATTACHMENTS BELOW

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