vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in resolving an ongoing issue I have been experiencing with Equifax regarding inaccurate information on my credit report. Despite repeated efforts to address this matter directly with Equifax, the inaccuracies remain unresolved, negatively impacting my creditworthiness and financial stability. 
Background I reviewed my Equifax credit report and identified the following inaccuracies : 1. Student Loans : My credit report contains student loan accounts that are inaccurate. These loans either do not belong to me or reflect incorrect balances and/or statuses. I have contacted Equifax and provided supporting information to demonstrate the inaccuracies, yet these accounts remain on my report.

2. Hard Inquiries : Several hard inquiries are listed on my credit report that I did not authorize. These unauthorized inquiries have negatively affected my credit score. I have repeatedly disputed these inquiries with XXXX, but no corrective action has been taken. Steps Taken I have made multiple attempts to resolve this matter directly with Equifax, including : Submitting formal disputes through their online dispute portal and via certified mail. Providing documentation to support my claims, including identification, proof of address, and records ver
ifying the inaccuracies. 
Following up with Equifax customer service to check the status of my disputes.

Despite these efforts, Equifax has either failed to correct the inaccuracies or has provided unsatisfactory responses.

Impact The presence of inaccurate student loans and unauthorized hard inquiries on my credit report has resulted in the following consequences : Lowered credit score, which affects my ability to obtain credit on favorable terms.

Emotional distress caused by the lack of resolution and the time-consuming nature of disputing these inaccuracies.

Potential loss of financial opportunities, including credit approvals and favorable interest rates.

Request for CFPB Assistance I am requesting that the Consumer Financial Protection Bureau intervene to ensure Equifax complies with its obligations under the Fair Credit Reporting Act ( FCRA ). Specifically, I ask for the following : 1. A thorough investigation into the inaccurate student loan accounts and unauthorized hard inquiries.

2. Immediate removal of the inaccuracies from my credit report.

3. Assurance that Equifax updates its procedures to prevent similar issues in the future.

Conclusion I trust that the CFPB will take this matter seriously and hold Equifax accountable for its obligations under the FCRA. Please do not hesitate to contact me if a
dditional information is required.

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
Dear XXXX XXXX, I recently had multiple issues with Apple Card at Goldman Sachs. They are still posting payments late and blaming customers. After your $ XXXX settlement with them, they have treated customers worse and reported me late when they even said it was a mistake and 60 days later blamed it on me. XXXX XXXX and XXXX XXXX work at Goldman Sachs and I think they are incompetent and discriminated against my XXXX XXXXXXXX. I hope you fix this as I don't think this is fair. 

XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: LoanCare, LLC
State: FL

Complaint narrative:
Property Report Complaint CFPB XXXX was intentionally deleted. There are Trust and Pace Fraud and No ID Affidavits by XXXX XXXXXXXX XXXX XXXX XXXX and other agencies affiliated personnel. 

The Owner XXXX XXXX and XXXX XXXX XXXX XXXX who is married to XXXX XXXX and is related to XXXX XXXX. 

XXXX XXXX who received this property declaring her parents XXXX XXXX and XXXX XXXX XXXX. XXXX who works as a : Federal Mortgage Loan Originator NMLS XXXX XXXX XXXX ID : XXXX Other Names? : None Self-reported Disciplinary Actions Phone : ( XXXX ) XXXX Fax : Not p Prior Other Names : None posted in NMLS. 
XXXX XXXX to Represent? : XXXX XXXX XXXX, XXXX XXXX [ - ] Hide Self Reported Employment History From To Employer XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX Type Main Federal Registration Aut Conduc Registration Name Status Federal Mortgage Loan Originator Active Currently Authorized to Represent? 
Company : XXXX XXXX XXXX, XXXX XXXX XXXX Legal Name : XXXX XXXX XXXX, XXXX XXXX XXXX ID : XXXX Has placed multiple Liens on Federal Sponsored Renovations and has quitclaim or placed the deed under trust. The Release of Liens or the Payment of the funds all have a different number in the folio or is later on claimed by the quit claim family member under No ID Affidavits. 

XXXX XXXX Born XX/XX/XXXX Driver License XXXX Currently Lives in : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX  XXXX XXXX Lives in : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Lives in XXXX XXXX XXXX XXXX XXXX FL 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 2025-01-08 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: NJ

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-01-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: WELLS FARGO & COMPANY

Complaint narrative:
i have two CDs at wells fargo. one for {$8000.00} and one for {$12000.00} expiring XXXX and XXXX/XXXX respectively. when i called to put moneys in my checking account, wells fargo refused due to a " glitch in their system ''. wells fargo said that there is nothing i can do. that it is unknown when MY money will be returned to 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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Subject : Dispute Regarding Best Buy/CBNA Not Issuing a XXXX After Debt Charge-Off Dear Sir/Madam, I am writing to file a formal complaint regarding Best Buy/CBNA ( Citibank ) failing to issue a XXXX form after they XXXX off my debt. The account in question is associated with my Best Buy/CBNA Account Number [ XXXX ], and the debt was charged off in [ XXXX XXXX ]. 

As per the IRS guidelines, when a creditor cancels or forgives a debt of {$XXXX} or more, they are required to issue a Form XXXX to the borrower, reporting the amount of the canceled debt as income. However, despite the fact that my debt was charged off, I have not received a XXXX form for tax reporting purposes for the year in which the charge-off occurred. 

I have made multiple attempts to resolve this issue directly with Best Buy/CBNA 's customer service and collections department, but I have not received any communication from them, nor any action taken to issue the required form. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that Best Buy/CBNA complies with the IRS regulations by issuing the required XXXX form for the canceled debt.

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 2025-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: GOLD STAR MORTGAGE FINANCIAL
State: MI

Complaint narrative:
We received a letter dated XX/XX/XXXX that clearly stated that our refinanced mortgage was transferred from Gold Star Mortgage to XXXXXXXX XXXX, effective XX/XX/XXXX. In that letter, we were that as of the effective date, XXXX XXXX would be collecting our payments ( XX/XX/XXXX ) and that Gold Star Mortgage Financial XXXX XXXX will no longer be collecting payments. The letter stated " Please send all payments due on or after XX/XX/XXXX to XXXX Mortgage. '' When we were closing on our loan, we had requested that we begin making payments effective XX/XX/XXXX. However, when we received our information from XXXX, it showed that our first payment was not due until XX/XX/XXXX. To be honest, there were SO MANY MISTAKES made during our closing process ( which I could provide in further detail if useful ) that we just assumed that they had made a mistake and made our effective date XX/XX/XXXX. Since we had planned on paying our mortgage in XXXX, we did go ahead and make XXXX principal only payments to XXXX since we had the money and wanted to utilize the opportunity to pay down our mortgage. 

On XX/XX/XXXX I received an email from XXXX that we missed our payment. I spoke with that person and shared the letter we received that said payments go to XXXX. He indicated to me that he was going to email his contact at XXXX and request that the money we paid to them in XXXX be sent to XXXX. I contacted XXXX to ask about this, and was told by a representative that this was not accurate, that XXXX could not just send money to XXXX that we sent to them. 

Well, that seems to be exactly what happened, although the payment history with XXXX is very unclear and confusing and the letter they sent us ( which stated that the funds were returned to our financial institution, which we assumed was our banks, did not happen ). We never received any bill or statement from XXXX with information about what we owed or clarifying that something was wrong with the initital letter they sent to us about payments going to XXXX. We were specifically told by XXXX not to pay XXXX anything since they were our loan servicer now. 

However, when I called today, I was informed by XXXX that XXXX did in fact send the {$4500.00} we paid to them in XXXX back to Gold Star. No one told us this was happening, and we are not sure if this is even legal. Furthermore, we are uncertain that the payment accounting is correct, given that there are a lot of transactions and it is very unclear what occurred - we can provide a copy of the letter from Gold Star about XXXX servicing the loan effective XX/XX/XXXX, from XXXX that the funds were returned to our financial institution, and a pdf of the payment history from our online mortgage account with XXXX if any of that is helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Credit Fresh Holdings Inc
State: GA

Complaint narrative:
My identify was stolen XX/XX/year> all my information and credit cards were in my purse. I reported all Finacial services and ordered new cards. Also reported to credit bureaus such as XXXX, XXXX, XXXX. I think XXXX put fraud alert on my social security which I have still not received a new copy of yet. I want file a complaint on information used. It appears I am receiving calls and email from debt collectors I didn't even apply with. Also, them using old address of mine to theft my credit. I would anything unfamiliar removed off my credit. Such XXXX XXXX XXXX etc list of debt collections. Also, all old address removed off my credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. 

The fraudulent, inaccurate, and false information appearing on my credit report includes : XXXX. XXXX  XXXX : - A personal credit card account opened in XX/XX/XXXX, under account number XXXX. 
- Fraudulent charges totaling {$1100.00}. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX A credit card account opened in XX/XX/XXXX, under account number XXXX. 
- Fraudulent charges totaling {$500.00}. 

XXXX. XXXX XXXX XXXX XXXX : - A credit card account opened in XX/XX/XXXX, under account number XXXX. 
- Fraudulent charges totaling {$620.00}. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A personal loan account opened in XX/XX/XXXX. 
- Fraudulent charges totaling {$2500.00}. 

XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX A fraudulent lease opened in XX/XX/XXXX, under account number XXXX. 
- Fraudulent charges totaling {$3800.00}. 

In addition to these accounts, these incidents of identity theft have led to multiple fraudulent hard inquiries and collections appearing on my consumer credit report. These accounts, inquiries, and collections were not opened, made, or initiated by me. They are all the result of identity theft and fraud. 

I have attached the following documents to support my claim : XXXX. A copy of my consumer credit report maintained by XXXX showing the fraudulent items. 
XXXX. A list of the fraudulent hard inquiries in question. 
XXXX. A copy of the FTC Identity Theft Criminal Complaint confirming that these accounts, collections, and 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 605B ( 15 U.S.C. 1681c-2 ), that XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this complaint from my consumer credit file within four business days of receiving said complaint. I also request that all collection activities related to these fraudulent items cease immediately. 

Please provide written confirmation regarding the resolution of this complaint.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX date of birth XX/XX/XXXX contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the transunion, XXXX and XXXX XXXX reporting agencies block/remove 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 inaccurate and false information consists of personal and collections accounts listed below. 
Account Name : XXXX XXXX Account Number : XXXX When the account was opened : XXXX XXXX, XXXX Account Balance : {$550.00} Account Name : XXXX XXXX Account Number : XXXX When the account was opened : XXXX XXXX Account balance : {$320.00} Account Name : XXXX XXXX Account Number : XXXX When the account was opened : XXXX XXXX Account balance : {$600.00} XXXX : Account Name : XXXX & XXXX Account Number : XXXX When the account was opened : XX/XX/XXXX Account Balance : {$130.00} HARD INQUIRIES : Inquiry Name : XXXX Inquiry Date : XXXX. XXXX, XXXX This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO. I've attached the copy of the identity theft affidavit as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
Below is the letter I wrote to Ally with the issue and no response. 


Dear Ally Financial, I am writing to formally dispute the inaccurate information being reported on my credit report regarding the loan for my XXXX. According to my records, the full payment for this loan was made via a money order ( Check # XXXX XXXX ) in XXXX of XXXX XXXX. Despite this, you have been reporting late or missed payments for the XXXX XXXX, which is both inaccurate and damaging to my credit. 

As proof of payment, I have attached documentation from XXXX XXXX that shows the money order was processed and cashed by Ally Financial in XX/XX/XXXX. This payment covered the full amount due, satisfying the loan in its entirety. 

The repeated negative reporting on my credit is unacceptable and appears to stem from an internal mismanagement of your financial records. I fulfilled my financial obligation, and I am not responsible for any errors on your end. 

I request that you : Immediately cease reporting this false information to the credit bureaus. 
Correct any inaccuracies and notify all three major credit bureaus ( XXXX, XXXX, and XXXX ) to update my credit report accordingly. 
Provide written confirmation of these corrections. 
Failure to resolve this issue promptly may leave me no choice but to escalate the matter further, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal recourse if necessary. 

Please address this matter with the urgency it deserves. I look forward to your prompt resolution of this dispute and written confirmation that the matter has been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance One, Inc.
State: IL

Complaint narrative:
I've received a written note from Alliance One regarding {$82.00} I have to pay to XXXX XXXX. I don't have have account with XXXX XXXX- it was closed on XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: SC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2025-01-08 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: NC

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on XXXX that I in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments, I've attached a copy of my report to this complaint on the following dates XX/XX/2025. Im now requesting you investigate this account and update these payments to paid on time thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: NC

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an that I in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments, I've attached a copy of my report to this complaint on the following dates XX/XX/year>. XXXX now requesting you investigate this account and update these payments to paid on time thank you for your understanding and prompt action.

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 2025-01-08 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian is refusing to investigate my claim, claiming that I did not initiate it. However, I am the one who initiated the claim. This is the second time they have responded in writing, via certified mail, and declined to investigate my case.

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