vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-23 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act these accounts XXXXXXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX 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 a 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 2023-07-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
XXXX by Goldman Sachs froze my account about 14 days ago after I tried to move money to XXXX XXXX. Both my Wife and I have called them about six times and can't get the issue resolved. 

They say that we need to prove that we are the account holders and we need to get a form notarized. They only send the form vis XXXX. We have requested the form twice. The first time we requested the form was about 10 days ago. 

My Wife and I both have given our name, address, phone number, DOB, last four of our SSN, and our secret word. They still will not unlock our online account, tell us why our account was locked, or make the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
Dear Consumer Financial Protection Bureau representative, I recently reapplied for credit at a few companies but all credit applications were denied, despite having excellent credit. For the credit denial, both companies XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ) claimed that they could not approve my credit application because they DID NOT RECEIVE MY EQUIFAX CREDIT REPORT.

I have already filed 2 complaints against Equifax but Equifax has never done anything to resolve my situation, see Exhibits 1, 2, 3 and 4 ). Equifax only replies requesting more information and documents. I send all the requested documents and they get back to me asking for additional documents. In fact, on XX/XX/2023, I mailed the third round of requested documents ( XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, and Exhibit 6 ) Why doesn't Equifax send my credit report to these and other companies where I apply for credit?

However, I have online account subscriptions with Equifax ( Exhibit 6 ), XXXX and XXXX and I can access my credit information with all three companies without any problem. At the time of writing this complaint, my credit scores with Equifax, XXXX, and XXXX are 810 ( Exhibit 6 ), 834, and 826 respectively. These credit scores were obtained directly from my online subscriptions with Equifax, XXXX and XXXX. All are considered excellent credit. I recently applied for a car loan in the amount of {$42000.00} and the credit application with XXXX XXXX XXXX was immediately approved with my credit information obtained from XXXX. 

This abusive and discriminatory situation on the part of Equifax has created great anguish, despair, frustration and health problems for me and my family in my XXXX XXXX XXXX XXXX. I needed to buy construction materials at XXXX XXXX to make repairs and improvements to my home. I have not been able to make repairs to my home because XXXX XXXX denied my credit application because they could not access my Equifax Credit Report. Such suffering, anguish, despair and emotional problems have caused me great economic losses and health problems. For the damages caused by Equifax 's attitude, I demand compensation in the amount of {$50000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 00:00:00
Product: Credit reporting, credit repair services, 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:
On XXXX an credit card through XXXX  XXXX was opened in my name that I had no knowledge of. I was not utilizing my credit during that time frame. I am starting this claim so that this account can be disputed and removed from my credit.

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 2023-07-23 00:00:00
Product: Credit reporting, credit repair services, 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:
On XXXX an credit card through XXXX  XXXX was opened in my name that I had no knowledge of. I was not utilizing my credit during that time frame. I am starting this claim so that this account can be disputed and removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 00:00:00
Product: Credit reporting, credit repair services, 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:
On XX/XX/23 i sent a dispute letter to all three credit reporting agency, i haven't received response yet, on XX/XX/23 i sent my 609 letter with no response, on XX/XX/23 i sent a 30 day comply letter with no response, on XX/XX/23 i contacted the CFPB and the company responded with no results, the inaccurate accounts is still reporting, on XX/XX/23 i sent my FTC REPORT as i am a victim of identity theft and none of the accounts and addresses belong to me, i have address this matter several times with no repsonse. This has been an ongoing issue with no 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 2023-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have sent many letters with no response. Attached is the letter showing all of the accounts that need to be verified with the creditors. 

Please verify the account number, account type, account status, monthly payment, date opened, balance, high credit, credit limit, past due amount, payment status, last reported date, comments, date last active, and date of last payment. They appear to be incorrect.

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 2023-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XX/XX/2023 To the Whom It May Concern : Reaching out for your assistance with this consumer. I'm working to improve my credit and that I have sent a letter to validate the account. They are trying to collect, but I am not familiar with this account and do not know its origin. Despite the validation process, they continue to attempt to collect this account, disregarding my request for validation. l need your assistance to resolve this account as it is hindering my credit improvement efforts. 
I have downloaded the proof of my attempt to validate the account, sending a copy of the letter, the stub with the date when they received it and the copy of their letter. Attached is also a copy of my ID to prove that I am the person who is submitting the letter. Thanks for your assistance in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have sent several letters and my FTC report, and the company has still not responded. 
on XX/XX/23 i mailed my dispute letter, on XX/XX/23 i mailed my 609 letters with for me with all the information requested for me, on XX/XX/23 i sent my FTC report and still no response, i requested proof of the allege accounts belonging to me, i haven't received a response. On XX/XX/23 i sent another 609 letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have sent several letters and my FTC report, and the company has still not responded. 
on XX/XX/23 i mailed my dispute letter, on XX/XX/23 i mailed my 609 letters with for me with all the information requested for me, on XX/XX/23 i sent my FTC report and still no response, i requested proof of the allege accounts belonging to me, i haven't received a response. On XX/XX/23 i sent another 609 letter.

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 2023-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : XXXX XXXXXXXX XXXX XXXXXXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$31000.00}. 
I previously disputed this account and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete any negative information in this account immediately. 
Please reinvestigate this matter and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
Also it shows us {$290000.00} as original charged off that is inacurate info and should be deleted inmediatly Under the law inacurate info should me remove. 
Can you proof that I owe XXXX US Dollars?

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 2023-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
All my XXXX accounts were compromised and I had XXXX close them due to the excessive Fraud that was always occurred. 

These accounts should not even be on my credit profile. Even XXXX sent a letter indicating the accounts will be removed off my report and they would inform the Credit Bureaus to remove all the XXXX accounts. 

I have contacted an attorney since the credit bureaus have yet to remove these accounts and I've show a lot of proof those XXXX accounts should not be reporting to my account. 


There are letters from XXXX even showing they denied the accounts due to identity issues with those accounts.

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 2023-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Many years ago, we left Bank of America because they kept charging multiple fees for small items around a XXXX XXXX weekend. We were charged over {$350.00} for less than {$30.00} of total purchases. That was totally ridiculous. We tried to fight it and eventually got some of the money back. This was the last straw. Funds being transferred in were delayed unnecessarily for over XXXX weeks, fee surcharges were outrageous. Credit card fees were crazy. 

Never again would we bank with them.

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 2023-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I told the Wells Fargo loan officer two payments was in on the first of that month they took the car on the XXXX of that month

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 2023-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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 brought to the attention to XXXX  XXXX XXXX and Experian an issue of AN OPEN AND REPORTING OF A FRAUDULENT credit card ACCOUNT with XXXX  XXXX XXXX in XX/XX/2023 ( CFPB Compliant ID XXXX ). XXXX  XXXX XXXX told me that they did NOT report that credit card account opening to the credit agency, but, it has shown up with multiple alerts to my Experian credit report ; just today, I received an alert of being over the limit of this fraudulent credit card account, the credit limit is {$700.00}, now its reported {$720.00} unpaid, and my credit score has dropped by XXXX XXXX because of this fraudulent credit cared usage!!! I had filed dispute with Experian, but their investigation said XXXX  XXXX XXXX certified that all info ( related to that fraudulent credit card account ) is accurate ; however, XXXX  XXXX XXXX responded to me 2 days ago by saying that my info has been confused with someone else and they did not report that credit card to the credit agency. Please note, I did not open this fraudulent credit card, and the address on that card is incorrect, that address is my previous address from 6+ years ago. I even uploaded my proof of current address to Experian, but no further response from Experian!

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 2023-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
All my XXXX accounts were compromised and I had XXXX close them due to the excessive XXXX that was always occurred. 

These accounts should not even be on my credit profile. Even XXXX sent a letter indicating the accounts will be removed off my report and they would inform the Credit Bureaus to remove all the XXXX accounts. 

I have contacted an attorney since the credit bureaus have yet to remove these accounts and I've show a lot of proof those XXXX accounts should not be reporting to my account. 


There are letters from XXXX even showing they denied the accounts due to identity issues with those accounts.

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 2023-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
All my XXXX accounts were compromised and I had XXXX close them due to the excessive Fraud that was always occurred. 

These accounts should not even be on my credit profile. Even XXXX sent a letter indicating the accounts will be removed off my report and they would inform the Credit Bureaus to remove all the XXXX accounts. 

I have contacted an attorney since the credit bureaus have yet to remove these accounts and I've show a lot of proof those XXXX accounts should not be reporting to my account. 


There are letters from XXXX even showing they denied the accounts due to identity issues with those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: TX

Complaint narrative:
Cash app has robbed me and closed my account they are using a bank account without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: QUALITY ACCEPTANCE LLC
State: LA

Complaint narrative:
The vehicle was charged off due to Hurricane Harvey in XXXX. Per my credit report it still shows a balance. A charge off is canceled debt and considered income. Ive never received a 1099-C. This is illegal and my rights were violated 15USC 1681 s-2 & 15USC 1681 ( 1 ) ( 4 ). I would like this removed from my report immediately as this is illegal per IRS publication.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Here are all the documents Barclays has asked for. This is getting exhausted that Im being told Im responsible for fraudulent charges that are not mine. There are charges on the account that have been charged over 3 times as well. 

This whole investigation is a mess. I have police reports and statements showing the marked fraudulent charges. Im giving Barclays 1 more chance to correct this. 
I have contacted an attorney and they over looked all this and have stated I have a strong case. A representative marked some charges as fraudulent which theyre not and is making this whole case a confusion. And Ive stated that before. Barclays thinks because of that 1 charge that I should be held responsible for the other 30+ charges which is FALSE! I have attached the statements for each account and putting a CHECK MARK on which charges are fraud. 

Please re credit all the charges Ive marked on the attached documents or we will peruse with an attorney instead.

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 2023-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been back in forth with these companies for months now. the last letter I received back was on XX/XX/2023, and they are not telling me nothing on why they arent taking these fraudulent accts off of my profile. I have sent the bureaus police reports and letters explaining I was a victim of Identity theft and that these accts do not belong to me. There is a XXXX XXXX and a XXXX XXXX card that arent mine.

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 2023-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been back in forth with these companies for months now. the last letter I received back was on XX/XX/2023, and they are not telling me nothing on why they arent taking these fraudulent accts off of my profile. I have sent the bureaus police reports and letters explaining I was a victim of Identity theft and that these accts do not belong to me. There is a XXXX XXXX and a XXXX XXXX XXXX  that arent mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
Mazda Financial Services reported me to collections stating that I was 30 days past due. They did the same thing from last year XXXX  which was a lie stating that i was late on a payment. I have proof from my bank. I now send cashier checks to them. They have reported to the credit bureaus that I am late on my account again from the month of XXXX which is untrue. I contacted my bank yesterday for verification purposes. They in fact sent me a copy of both of the cashier checks that In fact have been cashed. They are reporting inaccurate information which is affecting my credit score which is messing me up In a major way. This is my last warning to them to correct their wrong doings.

Company response to consumer: Closed with explanation