vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Date : XX/XX/year> Apple Card / Goldman Sachs Bank USA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Request to Remove Inaccurate Charge-Off Reporting To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of a charge-off associated with my account XXXX on my consumer credit report. I have evidence that this debt was transferred to another entity or trust and has not been transferred back to your institution. Specifically, the reporting file number associated with this transfer is XXXX. As such, Goldman Sachs Bank USA does not legally own this debt and can not collect on it. Reporting this charge-off as owed to your institution is inaccurate and violates the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, creditors and furnishers of credit information are required to ensure that the information they report is accurate, complete, and not misleading. By continuing to report this charge-off inaccurately, you are failing to meet your legal obligations under the FCRA. 

I am formally requesting that you immediately : Remove this account and any associated negative information from all three major credit bureaus ( XXXX, XXXX, and XXXX ). 

Cease any attempts to collect on this debt or misrepresent its ownership. 

If you fail to comply with this request, I will take the following actions : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). 

Pursue legal action to have this information removed from my credit report. 

Exercise my rights under the arbitration agreement linked to this debt. 

I have attached supporting documentation to this letter, including proof of the debt transfer, correspondence regarding this account, and a copy of my credit report highlighting the inaccurate information. Please confirm receipt of this letter and provide written confirmation of your actions to resolve this matter within 30 days. 

Failure to act promptly will leave me no choice but to escalate this matter. I trust that Goldman Sachs Bank USA and Apple Card will act in accordance with federal law to resolve this issue expediently. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AUDIT SYSTEMS,INC
State: WA

Complaint narrative:
I received multiple phone calls from Audit Systems Inc starting in XX/XX/year> about a " debt '' that is owed to XXXX XXXX  ( a XXXX pump rental company ). I explained to them that my insurance covered this, but they were adamant that XXXX ) insurance never covers this XXXX ) I owe the money. They continue to call me. 

I have verified with my insurance that they issued a check to XXXX XXXX  in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: NC

Complaint narrative:
I have paid XXXX XXXX XXXX XXXXXXXX balance in full and its still showing on my account as a upaid balance Im asking bureaus to please remove and correct this balance to paid in full

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 2025-01-01 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: IL

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report several fraudulent account sand inquiries appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent inquiries and accounts have affected my life and resulted in several fraudulent hard inquiries and accounts and appearing on my consumer FICO credit report. XXXX XXXX XXXX {$1200.00} # XXXX opened XXXX, XXXX XXXX {$700.00} # XXXX opened XXXX, XXXX XXXX {$3700.00} # XXXX opened XXXXXXXX XXXX XXXX  {$300.00} # XXXX XXXX, XXXX {$940.00} # XXXX opened XXXX, XXXXXXXX XXXX  {$1200.00} # XXXX opened XXXX, XXXX XXXX XXXX$3200.00} # XXXX opened XXXX .I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against Credit Reporting Agencies Transunion Consumer Name : XXXX XXXX Social Security Number : XXXX SSN ), Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, TransUnion 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 inquiries have resulted in several fraudulent inquiries 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 hard inquiries and account are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA XXXX05B ( 15 U.S.C. 1681c-2 ), that Transunion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address 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 non-monetary relief
Consumer complaint received 2025-01-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: MI

Complaint narrative:
On Friday, XX/XX/year> I received an unsolicited Netspend debit card in the mail. The card came with a paper that had a XXXX code to activate the card and also had an account and routing number listed associated with the card. I did not set up an account with Netspend and did not request a debit card. I called the Netspend customer service number around XXXX XXXX  on XX/XX/year> to inform them that I had not requested this and to close the account, however I was not able to do so. The number had several automated prompts to choose from but none could help me with the issue. One of the prompts informed me that my card was not activated, but when I tried another one that claimed to take me off of their mailing list it said I could not do so because the card had already been activated. I am unclear if the card was actually activated because various prompts were saying different things. There was no option to talk to someone, and I even tried saying " fraud department '', or " speak to operator '' and the response was that those were invalid options. I ended my attempts to close the card and account without resolution. I was never able to speak to anyone, was not able to report fraud, and still do not know if the card was actually activated or not.

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 2025-01-01 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Date : XX/XX/XXXX XXXX XXXX Department po box XXXX XXXX, PA XXXX Re : Formal Dispute of Unauthorized Account on Credit Report Dear XXXX XXXX Department, I am writing to formally dispute the accuracy and authorization of an account listed on my credit report. As per 15 U.S.C. 1681b, I have never provided written consent for the furnishing or acquisition of my consumer report information for this account. Therefore, its inclusion on my credit report is a violation of the Fair Credit Reporting Act ( FCRA ). 
The disputed account is as follows : Account Name : XXXX XXXX - XXXX Bank XXXX Account Number ( Last XXXX Digits ) : XXXX Balance : {$5200.00} Status : Charge-off To resolve this matter, I request the immediate removal of this account from my credit report. Under the FCRA, you are required to investigate this dispute and provide results within XXXX days. Please send me written confirmation once this unauthorized entry has been removed. 
Enclosed, I have included copies of my credit report highlighting the disputed account, along with proof of my identity for verification purposes. 
Thank you for your prompt attention to this matter. I look forward to your confirmation of resolution. 
Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Date : XX/XX/XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Formal Dispute of Unauthorized Account on Credit Report Dear XXXX XXXX Department, I am writing to formally dispute the accuracy and authorization of an account listed on my credit report. As per 15 U.S.C. 1681b, I have never provided written consent for the furnishing or acquisition of my consumer report information for this account. Therefore, its inclusion on my credit report is a violation of the Fair Credit Reporting Act ( FCRA ). 
The disputed account is as follows : Account Name : XXXX XXXX - XXXX Bank XXXX Account Number ( Last XXXX Digits ) : XXXX Balance : {$5200.00} Status : Charge-off To resolve this matter, I request the immediate removal of this account from my credit report. Under the FCRA, you are required to investigate this dispute and provide results within XXXX  days. Please send me written confirmation once this unauthorized entry has been removed. 
Enclosed, I have included copies of my credit report highlighting the disputed account, along with proof of my identity for verification purposes. 
Thank you for your prompt attention to this matter. I look forward to your confirmation of resolution. 
Sincerely, 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 2025-01-01 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: OK

Complaint narrative:
I have disputed an accuracy that violate 15 USC 1681.Eb among others band I've sent in detailed reports and credit reports that show the inaccuracies and experion Still refuses to correct The?

Se even though the other bureau has It completely off of my reporthere is Name discrepancies, and this has hindered me on getting business financing along with re.Establishing myself as a business owner request that the CFPB require experion to :

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 2025-01-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
First of all, i received my phone call from my hazard insurance agent about our annually insurance not yet been received. I contacted Shellpoint ( my mortgage servicer ) and customer service agent told my payment was sent out on XX/XX/year>, BUT not yet received by our insurance agent. At the same time, customer service agent told me that there is " extra money '' of {$9600.00} on escrow account which is supposedly to pay to XXXX XXXX XXXX and hazard insurance. This is how we found out our property tax wa n't not pay in the whole XXXX Year. 

I spoke with Shellpoint Tax Dept., on XX/XX/year>, and open a case which will take about 14 days maximum to investigate. I insist Shellpoint to expedite our tax to pay to XXXX XXXX because i don't want to have any delinquency on my credit history which will effect me in the future. Just frustrated their incapability of the mortgage servicer not able to do the right job. Any dispute/penalty/delinquency shouldn't be on my as a home owner. I have another property in city of XXXX for last 10 years and NO late mortgage payment nor proper tax payments are never LATE. 

Personally, i will visit my XXXX XXXX XXXX office to advise them about this situation. All my fund for property tax are tied up with Shellpoint which still under " investigation ''. 

P.S. As of XX/XX/year>, my insurance agent still hasn't received my 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 2025-01-01 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date : XX/XX/year> XXXX XXXX Department XXXX XXXX XXXX XXXX, XXXX  XXXX Re : Formal Dispute of Unauthorized Account on Credit Report Dear XXXX XXXX Department, I am writing to formally dispute the accuracy and authorization of an account listed on my credit report. As per 15 U.S.C. 1681b, I have never provided written consent for the furnishing or acquisition of my consumer report information for this account. Therefore, its inclusion on my credit report is a violation of the Fair Credit Reporting Act ( FCRA ). 
The disputed account is as follows : Account Name : XXXX XXXX Account Number ( Last XXXX Digits ) : XXXX Balance : {$2500.00} Status : Charge-off To resolve this matter, I request the immediate removal of this account from my credit report. Under the FCRA, you are required to investigate this dispute and provide results within XXXX  days. Please send me written confirmation once this unauthorized entry has been removed. 
Enclosed, I have included copies of my credit report highlighting the disputed account, along with proof of my identity for verification purposes. 
Thank you for your prompt attention to this matter. I look forward to your confirmation of resolution.

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 2025-01-01 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: AK

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : XXXX XXXX XXXX Personal Information Also Known As : XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX Employers : XXXX XXXX XXXX Employers : XXXX XXXX Employers : XXXX Employers : XXXX XXXX Collection/Charged Off ALASKA XXXX  XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$480.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX ( Original Creditor : ALASKA XXXX ) XXXX XX/XX/XXXX {$250.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$410.00} Late Payment XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX OREGON XXXX XXXX XX/XX/XXXX XXXX XXXXWASHINGTON XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax IDAHO XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
XXXX : XXXX payment to XXXX XXXX {$1500.00} ; XXXX XXXX : XXXX payment to XXXX XXXX {$700.00} It turned out that XXXX XXXX XXXX be someone scammed by XXXX XXXX ( with XXXX XXXX & XXXX : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This scammer XXXX scammed XXXX XXXX without authorization to receive my XXXX payment. XXXX may set up another fake email " XXXX '' and approached my friend 's friend XXXX XXXX XXXX  is a real person, I talked to him and he is good ). 

Story : a nice senior lady XXXX XXXX retired XXXX saying she want to donate a piano to his church at XXXX WA. XXXX found out no space in church for it and approached my son 's piano teacher XXXX. I thought XXXX knew this " XXXX '' as a real person. XXXX want XXXX to pass XXXX 's info to me to arrange shipping, saying I could get the piano after paying the shipping and storage. I did not receive piano as of today XXXX XX/XX/XXXX. Back in early XX/XX/XXXX I filed complaint with XXXX, bank of America. XXXX sent me a mail saying they can refund. 

The key issue here is : The scammer XXXX must have stolen XXXX XXXXXXXX XXXX info to accept my XXXX  transfer. XXXX is not being responsible in investigation or handling unauthorized transactions. 

I authorize transfer to legit business and person only. I never authorized money transfer to scammer person/ business/ person who did not authorize receiving my money!! 

It is hard to imagine now is XXXX and a established bank can't trace a financial scammer who left so many leads and traces online in the banking system!!! Don't we have XXXX and other XXXX XXXXarge data investigation tool?

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 2025-01-01 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: AZ

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of a personal line of credit with Desert Financial ( account number XXXX ), a credit card account opened with XXXX XXXX  ( account number XXXX ), XXXX personal credit card accounts with XXXX XXXX ( both account numbers begin with XXXX ), and XXXX personal CLOSED credit card accounts with XXXX ( account numbers XXXX, and XXXX. 


These accounts are all appearing on my consumer XXXX credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. The aforementioned accounts appearing on my consumer credit report maintained by you were charged off due to fraud and must be removed immediately. I have attached a copy of FTC Identity Theft Criminal Complaintas proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 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: UT

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX  XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$1300.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$1200.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$520.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$1200.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief