vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-28 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: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-10-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
I had two different bank accounts ( both under my name and are owned by me ) that are linked to the Marcus by Goldman Sachs account ( hereby referred to as Marcus account ). I have different amounts of money transferred to the Marcus account overtime. 

I made a withdrawal of all of my money on XX/XX/year> to XXXX of my checking accounts ( without being aware that I could not withdraw money to any account for 90 days ). Goldman Sachs representative called me informing me that this transaction will be reversed as I could not with draw all the money since they originated from different accounts. They also informed me to withdraw a certain amount which originated from one account, and another amount which originated from account # 2. 

I tried this once the transfer was reversed and was unable to do so. 
On XX/XX/year> I called Marcus and they informed me that a temporary hold was placed on my account and is being investigated ( I was not aware of this nor did I received ANY information about this hold in writing or electronic communication ). I inquired why but they did not disclose information. 

On XX/XX/year>, I called Marcus again asking why is there still a hold on my account they informed me that once the transaction was reversed I should have been able to withdraw money to their respective originating accounts, they do not know why their system is not allowing me to do this and have opened a case within their systems for it to be reviewed and informed me I will be contacted in several days On XX/XX/year>, I contacted Marcus again and they informed me that the case is still under the review queue and do not have a way to resolve this issue. I will be closing on a house purchase with funds from my savings account and this delay and the fact that Marcus does not communicate is both frustrating and unprofessional on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
On or about XX/XX/year> a collection letter was sent from Radius Global Solutions, LLC asserting a debt of {$330.00} [ XXXX XXXX ]. I responded and sent Certified Mail # XXXX XXXX XXXX XXXX XXXX XXXX ; Request for Validation of Debt [ XXXX XXXX. ], on XX/XX/year> to Radius Global Solutions, LLC. On XX/XX/year>, they responded with XXXX ( XXXX ) pages as follows XXXX XXXX XXXX A Letter asserting that " We have conducted an investigation and are providing you the enclosed validation. " ; XXXX  ) An essential blank page showing an XXXX, MN address as a header, with a showing of the name XXXX XXXX XXXX and my mailing address ; XXXX  ) A copy of a 'XXXX XXXX XXXX XXXX XXXX XXXX showing similar information [ name and mailing address XXXX XXXX XXXX XXXX I presume that this a copy of the back of the XXXX XXXX listed in # XXXX above ; and XXXX ) An information sheet allegedly explaining Important Rights. 
I assert that none of the information provided by Radius Global Solutions, LLC provides proper validation for the debt alleged. As such, I'm reporting them because they refused to acknowledge the failure to validate the debt, and to then act accordingly. I was informed that they would not close the debt even though they failed to validate it, or provide proper validation and are unable to deny that the debt was paid when they purchased it. They suggested that I request additional validation information. I refused. My 'Request for Validation of Debt ' letter sufficiently requested the necessary information to validate the debt, I should not need to make an additional request.

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 2024-10-28 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: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
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.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: AL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: PA

Complaint narrative:
I disputed an address on my credit report because there was a typo. The address is XXXX XXXX XXXX but the credit report has XXXX XXXX XXXX. They sent me a report saying the fixed and replaced it with some XXXX XXXX address in Minnesota, I've never lived in Minnesota. Help please

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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: NJ

Complaint narrative:
I am writing to formally request that certain accounts be blocked and deleted from my credit report due to my identity being compromised as part of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the following fraudulent accounts and inquiries be permanently removed : Fraudulent Accounts : XXXX - Account ending in XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX XXXXXXXX - Account XXXX XXXX XXXX - Opened : XX/XX/XXXX - Balance : {$140.00} XXXX - Account ending in XXXX - Opened : XX/XX/XXXX - Balance : {$4300.00} XXXXXXXX XXXX  - Account XXXX in XXXX - Opened : XX/XX/XXXX - Balance : {$6800.00} XXXX - Account ending in XXXX - Opened : XX/XX/XXXX - Balance : {$1500.00} Fraudulent Inquiry : XXXX - Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: NJ

Complaint narrative:
I am writing to formally request that certain accounts be blocked and deleted from my credit report due to my identity being compromised as part of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the following fraudulent accounts and inquiries be permanently removed : Fraudulent Accounts : XXXX XXXX Account ending in XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX XXXXXXXX - Account XXXX XXXX XXXX - Opened : XX/XX/XXXX - Balance : {$140.00} XXXX - Account ending in XXXX - Opened : XX/XX/XXXX - Balance : {$4300.00} XXXXXXXX XXXX - Account XXXX in XXXX - Opened : XX/XX/XXXX - Balance : {$6800.00} XXXX - Account ending in XXXX - Opened : XX/XX/XXXX - Balance : {$1500.00} Fraudulent Inquiry : XXXX - Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: NY

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/charge off 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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: TX

Complaint narrative:
I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please Investigated the following accounts as I don't believe the information to be accurate. Please remove the following address from my credit report : XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. Achieve Personal LOA # XXXX. Please verify these accounts. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and Attorney General. I also noticed you are reporting multiple late payments on my credit history. I believe these to be accurate. please check your records and verify the accuracy of each late payment being by your company, XXXX XXXX # XXXX Please verify this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: CA

Complaint narrative:
On XX/XX/2024, I noticed that XXXX XXXX XXXX - account number XXXX was reinserted into my TransUnion credit report without my knowledge or consent. This action violates the FCRA Section 611 ( B ), which outlines specific requirements for reinvesting previously deleted information.

Certification of accuracy of information : The FCRA mandates that any information deleted from a consumers file pursuant to subparagraph ( A ) may not be reinserted by the consumer reporting agency unless the furnisher certifies that the information is complete and accurate. In this case, there was no certification provided by XXXX XXXX XXXXXXXX regarding the accuracy of the reinserted information. 

( ii ) Notice to consumer : Furthermore, the FCRA stipulated that if any information deleted from a consumers file is reinserted, the consumer reporting agency musty notify the consumer in writing not later than XXXX business days after the reinsertion. I did not receive any written notification from TransUnion regarding the reinsertion of the XXXX XXXX XXXXXXXX account number : XXXX into 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 non-monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-10-28 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: CA

Complaint narrative:
am a victim of identity theft, I have no knowledge of these accounts I seen on my XXXX, Experian and XXXX Report.I submitted claims with the cfpb in regards to these claims, I filed a police report in XXXX and XXXX regarding some of these same accounts. Please help me I am a XXXX XXXX XXXX Identity Theft Victim. These accounts listed aren't mines, please help me in just now getting on my feet and No one wants to rents to me. Because my score so low and so many derogatory remarks. These accounts are damaging my credibility please help me rectify this situation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of those accounts listed The address listed of occurrence is where the theft happened I never lived in XXXX XXXX I live in XXXXXXXX XXXX. I had to come all the way out here to wait at the location until an officer came to do the 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 2024-10-28 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
am a victim of identity theft, I have no knowledge of these accounts I seen on my XXXX, XXXX and XXXX XXXX submitted claims with the cfpb in regards to these claims, I filed a police report in XXXX and XXXX regarding some of these same accounts. Please help me I am a XXXX XXXX XXXX/ Identity Theft Victim. These accounts listed aren't mines, please help me in just now getting on my feet and No one wants to rents to me. Because my score so low and so many derogatory remarks. These accounts are damaging my credibility please help me rectify this situation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Affirm I have no knowledge of those accounts listed The address listed of occurrence is where the theft happened I never lived in XXXX XXXX I live in XXXXXXXX XXXX I had to come all the way out here to wait at the location until an officer came to do the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: FL

Complaint narrative:
There are errors on my credit report per 15 USC 16c-2. The hard inquiries listed werent authorized by me and are impacting my credit. Remove any unauthorized inquiries. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: PA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain 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 explanation
Consumer complaint received 2024-10-28 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: NC

Complaint narrative:
I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING

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 2024-10-28 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: PA

Complaint narrative:
This notice addresses unvalidated late payments on my credit record that remain unresolved despite my written dispute submitted over 30 days ago. Your failure to respond or provide validation within the required timeframe violates federal law.

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