vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-01 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: NC

Complaint narrative:
Im honesty stumped. Regardless of how many times I claim to be the individual writing this letter it seems this messages is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. This item is UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 obtaining information under false pretenses that any person who knowingly and willfully obtains information information on a consumer from a consumer reporting agency under false pretense shall be fined under title 18 United States Code, imprisoned for more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous of Irrelevant ( A ) a consumer reporting agency may terminate a re investigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent non compliance ( 15 U.S.C, 1681o ) Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure : and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Here is the list of items which Is UKNOWN to me : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX Bankruptcy Reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
I have an apple card through Goldman Sachs and I was set up for auto pay with apple pay for my XXXX payment. Apple/Goldman Sachs auto-pay function did not process my payment and I was charged {$36.00} in late fees. Payment was due at XXXX  on XX/XX/XXXX. On XX/XX/XXXX at XXXX the auto pay went through and instead of taking the prior month balance, they took our two months balance of approx {$3900.00}. I called to dispute the interest payment as it was an error on their side. Furthermore, they did not take any responsibility for over debiting my account for two months instead of the one month that was only due. I should have received interest from them for the over debit to my account. Lastly, I called to ask for backup to the interest calculation. I called 20 different times and spoke to numerous supervisors and Goldman Sachs never provided me with any backup to the calculation of the late fees charge to my account. Goldman Sachs did credit me {$25.00} recognizing that this was their error, but they would not credit the full amount back. I demand {$11.00} credited back to my card that was charged in error. I also demand full back up of their opaque late fee calculation. And I demand interest from them for auto debiting my account two months and over {$3000.00} more than what was owed on XX/XX/XXXX. I lost one month of interest on the {$3000.00} and at 5 % annual interest is approx {$12.00} in interest they owe for taking 2 months of payments and not the one that is contractually obligated. Goldman Sachs has horrendous customer service and the level of ineptitude and shady business practices is alarming. I have grave concerns about how they treat customers with these over charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: TX

Complaint narrative:
I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
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 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 2024-03-01 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: TX

Complaint narrative:
I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
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 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 response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: VA

Complaint narrative:
Debt Recovery Solutions has called my phone on 5 separate occasions between XX/XX/2024 and XX/XX/2024. Each time that they call they either dont leave a message or they hang up when I answer. 

I spoke with a representative on XX/XX/2024 at approximately XXXX XXXX. The representative stated that this was regarding an alleged debt owed to XXXX XXXX XXXX XXXX from a few years ago. I kindly asked the agent to please send me something in writing ( a debt validation letter ) she verified my address and said they would send it. 

As of XX/XX/2024, no letter has been received. 

They called me on XX/XX/2024 at approximately XXXX XXXX  EST, as usual, I answered and they hung up. I then called them back on the same date at approximately XXXX XXXX  EST. The representative who answered did not state that this was an attempt to collect a debt but simply said the name of the company, her name, and that this was a recorded line. I spoke on the recorded line and stated that I requested something in writing on XX/XX/2024 and that nothing has been received and that they are way outside of their required timeframe that they are supposed to honor my right to receive a debt validation letter. I then asked them to please stop calling my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: TX

Complaint narrative:
I applied for a business credit card with XXXX, I have been a card holder since 2017. I have never missed a payment over 30 days. I setup autopay but the payments were never deducted from my account. I noticed the lates on my credit report thats how I knew about the lates to my XXXX  business credit card. I was never properly notified that that I missed a payment. I never received a phone call, a email text or mail for the bill.

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 2024-03-01 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: TX

Complaint narrative:
I applied for a business credit card with XXXX, I have been a card holder since 2017. I have never missed a payment over 30 days. I setup autopay but the payments were never deducted from my account. I noticed the lates on my credit report thats how I knew about the lates to my XXXX  business credit card. I was never properly notified that that I missed a payment. I never received a phone call, a email text or mail for the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NEW CITY FUNDING CORP.
State: PA

Complaint narrative:
I sent certified mail to New City on XXXX which was tracked and delivered on XXXX containing the letter of notice to Cancel my XXXX  contracts remaining 10 months and 2 weeks left for a pro rated refund. I also provided the Affidavit of total loss from my insurance company as required by the contract. No response at all from New city funding. I also sent corresponding emails.. Two of them. To receive not a response, and when I called on the phone I was put on hold and hung up on. Now I understand why they have such terrible reviews. I just want my money back I'm owed. Just like yall wanted your money for the car which yall received! Why am I waiting on my money and can't even get acknowledged it's owed. I contacted XXXX had the contact canceled myself. I just want confirmation about everything and my debit payments and the debit paid in full reported fairly as required by law. And my XXXX  refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
I'm unable to contact Ocwen about the 2nd lien on my property which was modified by Option One Mortgage Corporation, XXXX XXXX XXXX XXXX, XXXX, California XXXX on XX/XX/year>XXXX  in the amount of {$17000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The following information was NOT AUTHORIZED to be reporting to my consumer report! The following consumer reporting agency has fraudulently and inaccurately. posted multiple negative items on my credit report without my given consent. This is directly impairing the efficiency of the banking system and is forbidding my of my XXXX given rights These are the following accounts that need to be removed IMMEDIATELY! 


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 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 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 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 2024-03-01 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: PA

Complaint narrative:
From what I understand about FCRA 605B, we have to eliminate any erroneous accounts from my credit report. Would you mind reviewing the documents? Some of the accounts listed are incorrect, and it's unsettling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 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: TX

Complaint narrative:
I noticed a derogatory account from XXXX XXXX  on my credit report. I submitted a dispute on the Experian website as I have never had an account with XXXX XXXX. The results came back that the account was verified as mine. I then contacted XXXX XXXX  directly to dispute the account. I provided them my full name, address, and social security and they are unable to locate an account for me based on my information. I then contacted Experian to inform them of this information and asked them to hat information they provided to the creditor so that I may understand how they were able to confirm the account as mine and when I call XXXX has no record of me. Experian was not able to provide me any useful information, only stating that they file the dispute with the creditor and the creditor performed an investigation and gave them the results.

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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

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 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 2024-03-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Freedom Mortgage Company
State: AL

Complaint narrative:
Yes prior to going into forcloser I requested a hardship relief package when I spoke to the agent helping me we decided to go with a loan modification which would have brought my current just as I needed. She said that she was mailing me out a package of paperwork to fill it out and send back. She told me that this could be a long process I said ok. I received my package and filled out the paperwork and sent back that was the last I heard from freedom mortgage. The next thing I know is Im receiving a letter saying my home is in active foreclosure and my sell date is XXXX XXXX which is 8 days awayXXXX  I thought by law if I was going through a hardship they couldn't put my house up for foreclosure unless I refused for them to help meXXXX. I'm desperate to keep my home PLEASE HELP ME

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 2024-03-01 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: FL

Complaint narrative:
I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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 2024-03-01 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: TX

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account : XXXX, Account : XXXX, Account : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-03-01 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: Experian Information Solutions Inc.
State: TX

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 XXXX XXXX XXXX. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account : XXXX, Account : XXXX, Account : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-03-01 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Best Buy is refusing to refund me for items I didnt receive even though XXXX  has sent claim paperwork for both items they have only refunded me for one I have contacted Best Buy credit card with all this information and they are refusing to help me as well even though I never received the items and I have shown them proof

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 monetary relief
Consumer complaint received 2024-03-01 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: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I WAS A VICTIM OF IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: IL

Complaint narrative:
please see attached file

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 2024-03-01 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian wont remove account by the name XXXX  and wont show proof they have authority to report. Experian does not have written permission to report my non public information violating my congressionally contracted right to privacy.

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 2024-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My car was broken into and my purse was stolen on XX/XX/XXXX at which time I was contacted by the fraud department at Wells Fargo. They closed the card immediately. I assumed they would send another one but when I hadnt received one by the next week, I called in and they sent one out. I never received the card therefore I NEVER ACTIVATED or used the new card except through XXXX XXXX, which they electronically uploaded to my phone. A few days later awakened to a {$500.00} charge that was made at an atm I have never been to. I immediately called and reported it. They told me it would be ten business days before they could resolve it. I received a letter today stating they have determined it to have been me or someone I authorized to use the card. THE CARD I NEVER RECEIVED THEREFORE I COULDNT HAVE ACTIVATED!!! My money should be protected in a bank, instead they are accusing me of taking my own money when technology should prove that Ive neither received nor activated the card. I need help!!!

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 monetary relief