vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-03 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:
For a number of years, I have made repeated reports regarding the presence of accounts on my credit report that actually pertain to my XXXX  sister. It is a matter of concern as we share similar names, have the same date of birth, and our social security numbers are very close. Furthermore, our signatures bear a striking resemblance to each other. I am unsure if this is an intentional case of identity theft or if there has been an accidental mix-up where educational institutions accessed the wrong records. 

Regrettably, I have not been in contact with my XXXX  sister for many years, hence I am unable to verify the origin of the discrepancy. Consequently, I am formally presenting a request for the removal of these accounts from my Equifax and XXXX credit reports, a request I have been making for approximately ten years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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:
For a number of years, I have made repeated reports regarding the presence of accounts on my credit report that actually pertain to my XXXX  sister. It is a matter of concern as we share similar names, have the same date of birth, and our social security numbers are very close. Furthermore, our signatures bear a striking resemblance to each other. I am unsure if this is an intentional case of identity theft or if there has been an accidental mix-up where educational institutions accessed the wrong records. 

Regrettably, I have not been in contact with my XXXX  sister for many years, hence I am unable to verify the origin of the discrepancy. Consequently, I am formally presenting a request for the removal of these accounts from my XXXX and Experian credit reports, a request I have been making for approximately ten years.

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 2024-08-03 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: CA

Complaint narrative:
The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX has violated my rights. I looked at my Equifax credit report on XX/XX/year> and noticed some things are 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 whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 2024-08-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: ID

Complaint narrative:
On XX/XX/year> I have received a letter from Marcus by Goldman Sachs notifying me on my account closure. My account was opened earlier this year and was in good standing. The last statement I have received in mail is dated XX/XX/year> and shows the balance of {$1500.00} decreasing to {$0.00} due to account closure forfeiting the interest of {$27.00} and the original deposit funds of {$1500.00}. 
I have not received any explanation neither about a reason why my account was closed, nor about why the funds were not transferred back to the original account ( from which Marcus account was funded ) or mailed in a form of check to the my address ( where the statements and other communication mail was sent earlier ). 
Following the notification of account closure I called Marcus customer service multiple times during the month of XXXX ; the calls were transferred from XXXX representative to another with a claim of inability to confirm my identity using the phone number on file, promise to follow up, and dropped with no call back. I have not received any substantial answer in regards to a reason for my account closure or prospects of the funds transfer back to me from any of the representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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: FL

Complaint narrative:
I have unauthorized accounts my credit profile that I did not consent to. please remove all closed accounts / hard inquires on my credit profile asap

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 2024-08-03 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: IN

Complaint narrative:
The following hard inquires on my credit report { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the Fair Credit Reporting Act section XXXX ( 15 U.S.C 1681i ) Unverified inquires must be removed. i have no knowledge of these inquires that are reporting to my credit 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 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I submitted a dispute to Experian Credit Bureau on XX/XX/year> disputing a lot of incorrect personal and credit card balance information they had on file. From XX/XX/year> until XX/XX/XXXX, the Credit Bureau has been correcting all information and closing my disputes. So I checked my credit report on XXXX XXXX and it shows a statement of " Several late payments by an unknown source '' which was not there before. I can find no way on their dispute section to find out where this new information was obtained in order to dispute it. In addition, on XXXX and XXXX sites, the " Several late payments by an unknown source '' is not listed anywhere on my credit reports. In addition, my credit source on Experian is at least XXXX points lower than the other 2 credit reporting agencies, so I believe they keep your scores low in order to sell their " Experian Boost '' products. This low and inaccurate reporting prevents consumers from getting a fair product based off their credit scores. I need someone to look into this issue, because writing Experian a letter does not guarantee that they will acknowledge receipt and then there's no remedy to correct your issues.

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 2024-08-03 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act convergent Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section XXXX A. XXXX I have the right to privacy. 

15 U.S.C 1681 section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my 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 2024-08-03 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 recently review my credit report and noticed an inaccurate account reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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: CA

Complaint narrative:
XX/XX/year> - sent dispute letters certified USPS mail to XXXX, Equifax and XXXX. These letters pinpointed multiple inaccuracies that each of the credit bureaus were displaying and I asked that these accounts be removed from my credit report. 

XX/XX/year>- XXXX responded with an invalid " we have not taken any action on your request '' and accused me of not being me. In the letter I mailed to them, I attached a copy of my California Drivers License and a valid proof of address, which abides by their list on XXXX 's website of providing verification. 

XX/XX/year>- XXXX responded with a long list of their " supposed '' investigation results. They did not provide who they verified this information with and the dispute request I sent in was against the accuracy and fairness of what they were publishing. They just responded that everything I disputed, was verified which is not what I asked for. I pinpointed reporting items that are inaccurate and in violation of the Fair Credit Reporting Act. 

XXXXXXXX XXXX XXXX Equifax - provided 0 response to my certified letter.

All 3 companies violated my right to a 30 day investigation into the 100 % accuracy of the reportability of items they publish under my social. None of them provided resolution to the inaccuracies that are still on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-03 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:
XX/XX/year> - sent dispute letters certified XXXX mail to XXXX, XXXX and Experian. These letters pinpointed multiple inaccuracies that each of the credit bureaus were displaying and I asked that these accounts be removed from my credit report. 

XX/XX/year>- Experian responded with an invalid " we have not taken any action on your request '' and accused me of not being me. In the letter I mailed to them, I attached a copy of my XXXX XXXX XXXX and a valid proof of address, which abides by their list on Experian 's website of providing verification. 

XX/XX/year>- XXXX responded with a long list of their " supposed '' investigation results. They did not provide who they verified this information with and the dispute request I sent in was against the accuracy and fairness of what they were publishing. They just responded that everything I disputed, was verified which is not what I asked for. I pinpointed reporting items that are inaccurate and in violation of the Fair Credit Reporting Act. 

XXXXXXXX XXXX XXXX XXXXXXXX - provided XXXX response to my certified letter. 

All XXXX companies violated my right to a XXXX day investigation into the XXXX XXXX accuracy of the reportability of items they publish under my social. None of them provided resolution to the inaccuracies that are still on my credit 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 2024-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: KEYCORP
State: WA

Complaint narrative:
Key bank XXXX XXXX XXXX XXXX marketed actively in a XXXX group of XXXX audience, I attach the print-screen. 
XXXX XXXX XXXX quoted rate without XXXX, this violated regulation XXXX XXXX is unapproved social media, run by a XXXX company. All banks prohibit it. XXXX XXXX was terminated by XXXX XXXX because he marketed on XXXX. 
XXXX XXXX knowingly violated policy. He shall be terminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Checking my credit report a few months ago, I discovered errors regarding the account of SYNCB/XXXX ( XXXX ). This is violating my rights. I disputed these errors directly with the XXXX credit bureaus and the creditor itself ; however, I only received generic responses regarding this matter. Therefore, I am filing this complaint based on my research. The company in question is violating the sections of 15 USC : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete. 
15 USC 1681i ( XXXX ) : Failure to conduct a reasonable investigation into disputed information. 
15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting. 
15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA. 
15 USC 1681s-2 ( a ) ( XXXX ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions. 
15 USC 1681n : You have failed to provide me with clear and conspicuous notice of my rights under the FCRA.

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 2024-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: HI

Complaint narrative:
Have been a PayPal client for 5 years with this specific account and no issues until XX/XX/year> when they switched to AI platform, and even boasted on better security. I am in XXXX and started noticing bogus fraud charges around the world ( have screenshot all and the below ). I only use PayPal for XXXX XXXX, XXXX and XXXX. I was constantly locking and unlocking the PayPal XXXX XXXX after the date above. Some bogus charges would cancel out or correct and refund the bogus charges to the balance. On XX/XX/XXXX at XXXX XXXX I noticed a bogus charge for " XXXX '' with no purchase email that is standard with PayPal for both buyer and seller. It simply came on XXXX notice. I was logging on and off the account panicking, but it already stole {$890.00} from the balance. I filed an unauthorized charge days later and the card was cancelled. I was under the impression that PayPal would correct this absurd charge ( like the others ) as A- There was no address or contact or invoice give nor am I an XXXX ( fraud/scam ) customer. B- They have NO products for {$900.00} C- In the following days they tried three more times ( I locked card ) at the same price {$890.00} clearly showing this card or card number was compromised and more fraud was attempted. I did everything I could do as a PayPal customer to stop all the frauds and recover this single {$900.00} charge back. They wrote that they investigated and that " I was in the account so I approved '' which is nonsense as I was in the account trying to stop anymore bogus charges and they have failed me and all business customers are protected under their bogus buyer protection. I contacted XXXX and there is no record of any sale for me. I have joined the XXXX victims on XXXX with similar stories and they are complicit or enjoy making money off frauds on top of large fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I did not get any of my questions answered from the original complaint filed as I am aware of the account that was opened XX/XX/year> and closed XX/XX/year>. The reason it was closed was because I received a letter stating that Capital One is closing the account with the words Capital One is closing this account because we don't do business in this manner. The document I am attaching is the original one that was sent to me from Capital One with inaccurate info from the last complaint. I never had an account sent to a collection office I have contacted XXXX XXXX XXXX and they have confirmed there was never an account with the last XXXX digits sent over to them for collections. I explained in my complaint that I have all the documents to show and there was identity theft and my personal info and name were used for financial gain from the courts, prosecutors office etc. As well as the convictions of the parties that were responsible. That is what Capital One was referencing when they closed the account and stated they do not do business in that manner. Basically I am being judged I really would like someone from the Corporate office to contact me because I feel as though no-one even looked into what I am saying and I was targeted as someone Capital One doesn't want to do business with and WHY? Capital One never saw the documents to prove what happened instead they are just saying something untrue and judging. I would like the opportunity to show the information I have without sending it over the internet. I have contacted my legislators office and was directed to respond accordingly. I would like a chance to explain this situation and appreciate the opportunity to discuss this matter with you before taking the next step. I am sure once this is looked into correctly you will handle it accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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: IN

Complaint narrative:
The following hard inquires on my credit report { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the Fair Credit Reporting Act section XXXX ( 15 U.S.C 1681i ) Unverified inquires must be removed. i have no knowledge of these inquires that are reporting to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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: IN

Complaint narrative:
The following hard inquires on my credit report { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the Fair Credit Reporting Act section XXXX ( 15 U.S.C 1681i ) Unverified inquires must be removed. i have no knowledge of these inquires that are reporting to my credit 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 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XX/XX/XXXX I Made contact with Equifax pertaining to credit report showing XXXX inquires. XXXX stated they was not showing XXXX inquires on my credit file. I was sent an up to date credit file which shows only XXXX inquires. As of today XX/XX/XXXX, the same problem. My credit report shows XXXX inquires. Made contact again with Equifax which the representative stated it does show XXXX inquires. I asked the representative how is that possible? I should not have inquired from XXXX on my credit file they were deleted last year from fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 an account without my 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 explanation
Consumer complaint received 2024-08-03 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: MO

Complaint narrative:
Hey, I went over my consumer report, and I noticed some hard inquiries that I didn't authorize, or I do not have knowledge of. I have called several times and let the credit reporting agencies and the companies know that the inquiries in the document included below are fraudulent and they have yet to be removed. They are not to supposed to be visible on my credit report. I never gave them permission nor written consent to report or to authorize the inquiry. By law this is aggravated identity theft. 18 U.S. Code 1028A

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