vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
Transition notified me there was a hard impact to my credit on XX/XX/23 It was apparently by FEB/DESTINY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS PHONE NUMBER IS OUT OF SERVICEthe Apparently on behalf of XXXX XXXX XXXX CALLED Them and they refused to give me any information or help own XX/XX/23

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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: CA

Complaint narrative:
To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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: Early Warning Services, LLC
State: TX

Complaint narrative:
Open new checking account at XXXX XXXX XXXXXXXX scheduled appointment XXXX. 45 minutes dealing with XXXX and branch manager XXXX male blue suit. Then because they wont tell you option online or on phone I get an account that I will have to change, I thawed my credit for verification to open and account with XXXX and equivalent but XXXX had issues and still unresolved! Error code XXXX, mixed file? Still no resolution but reported to XXXX Today XXXX, I get letter attached from XXXX XXXX XXXX stating unable to open an account with credit score indicated. Reasons : status of relationship with inquiring bank as compared to age of the established relationship with any bank, AND NUMBER OF INQUIRIES DURING LAST 30 days. 

I have an account with routing and checking, have all copies of signed documents they hassled me over providing, and deposit slip deposited into said account. Still no debit card, waiting on usps to deliver white envelope no tracking 3-4 more business days? The account wont allow checks and is not what I wanted it asked for. Letter states contact Early Warning Systems? No contact info? I want this resolved in timely manner as this information is incorrect. I have had a bank account continuously for years and previously a mortgage paid off in 2016 with XXXX XXXX XXXXXXXX. Never late! I own my home and car and only get disability, live alone and XXXX XXXX! I expect a prompt response and resolution including a follow up letter and removal of negative reporting to all agencies immediately! Will provide an account and routing once acknowledged with XXXX XXXX XXXX on new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The situation at hand is causing me considerable XXXX  and affecting my XXXX  quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 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: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I engaged in a private consumer credit transaction with PenFed Credit Union, and they never provided me with an adequate notice and form of my right to privacy and right to opt-out of their disclosure, sharing and reporting of my private personal information as they're required to do per 16 CFR 313.7 and 15 USC 6802. As a result of their irresponsible actions, they've reported adverse and defamatory information in my consumer reports and enabled a separate third-party debt collector ( XXXX XXXX XXXX XXXX to also report this adverse information on my consumer reports, further defaming my character, creditworthiness and reputation. This is not only and infringement on my right to privacy, but this has caused me double harm, as they've both continued to report the same adverse account jointly under XXXX separate account numbers.

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 2023-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: SC

Complaint narrative:
I mobile deposited a check on XX/XX/XXXX and as of today XX/XX/XXXX the funds have still not been pit in my account. I called chime on the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They have now told me my funds are still pending until the XXXX. When I told them I was filing a complaint she said she would try to have it deposited by XXXX today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has charged me {$150000.00} twice ( for a total of {$30000.00} ) for a credit card dispute. Want to note this whole claim started because a BOA employee left my XXXX checking account details in my customer profile and another employee used that information to conducted wheat was by then an unauthorized transaction. This was told to me by BOA employees BOA refuses to provide any info on where the XXXX {$15000.00} went to and also refuses to properly close the claims in a timely manner. This has been happening since XX/XX/2023 ( XXXX  months total ). The original dispute was opened in XXXX and after no action on the dispute for months, BOA charged me twice to close the dispute in XXXX of XXXX  I have called and sent multiple letters. BOA even refuses to give the correct balance of the account to all credit reporting agencies and is stating my balance is XXXX over its {$29000.00} limit on credit reports My credit score has gone down XXXX points. I have never made a late or missed payment in my 17 years of credit history. My lines of credit for my small business have been dashed along with limits on personal credit cards due to Bank of America 's negligence.

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 2023-12-26 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: FL

Complaint narrative:
XXXX XXXX XXXX - XXXX I was never late on this account- Please check status on this account the past due information is wrong XXXX XXXX XXXX I was never late on this account- Please check status on this account the past due information is wrong XXXX - XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-12-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX - XXXX I was never late on this account- Please check status on this account the past due information is wrong XXXX  - XXXX I was never late on this account- Please check status on this account the past due information is wrong XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-12-26 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:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 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:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2023-12-26 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:
XXXX XXXX XXXX - XXXX I was never late on this account- Please check status on this account the past due information is wrong XXXX XXXX XXXXXXXX I was never late on this account- Please check status on this account the past due information is wrong 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 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: GA

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. 

Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2023-12-26 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: GA

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. 

Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 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 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax lists XXXX XXXX as the source of verifying a XXXX XXXX XXXX case # XXXX that keeps showing up on my Equifax credit report. I requested verification of this public record and Equifax claims that they verified it through XXXX XXXX. There is supposed to be a Security Freeze on my XXXX XXXX consumer file since XX/XX/2016. Equifax failed to accurately honor my request of verification of this public record by informing me that they verified through a FROZEN consumer credit report. I am attaching the results displayed of the so-called investigation of Equifax 's XXXX and a copy of my XXXX consumer file that shows the date of a security freeze that I placed on my file in XXXX of 2016 to avoid further fraudulent activity in my name. My XXXX XXXX consumer report is supposed to be FROZEN until I lift the freeze. I HAVE NOT LIFTED THE SECURITY FREEZE. XXXX XXXX is listed as the source of verification which leads me to believe that Equifax is not being factual about investigating this item on my credit report if they claim that they retrieved the results from a consumer account that clearly has a SECURITY FREEZE IN PLACE. I DEMAND Immediate deletion of the XXXX XXXX XXXX case # XXXX that keeps showing up on my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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: FL

Complaint narrative:
On XX/XX/XXXX, I realized that this account was a result of an identity theft that took place and this person was making payments on the account since XX/XX/XXXX. My voice was impersonated along with my computer being stolen and this same person opened up other credit cards along with other loans. This has impacted me greatly in terms of getting employment, a vehicle and an apartment as I have been homeless for a year. I just want this to be over with so that I can move on with my life and this problem has caused me great mental anguish.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I submitted a complaint referring to the fact that per the FCRA 15 usc 1681a a consumer report does not contain transaction history. This stands to mean that this complaint has nothing to do with the company sending the report to any of the agencies, but today i received an email from XXXX XXXXXXXX saying that they received my dispute from equifax. This also stands to mean that instead of equifax resolving the issue on their end, as they should be willing to do per the Fair Credit Reporting Act, they are opting to try and push the responsibility to the companies I referred to in my initial complaint. Below i will attach my initial complaint along with the screenshot of the email i received from XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
At approximately XXXX on XX/XX/2023, I received an email from Marcus by Goldman Sachs stating that, " The United States Postal Service let us know that you filed an Official USPS Change of Address order. '' I had not filed a change of address request with the post office, and was predictably terrified that someone had done so fraudulently. I promptly went down to post office and asked them to look into the matter. It turns out that, according to the gentleman at the post office, there was no USPS Change of Address order put in, and Marcus put me through a tremendous amount of emotional distress by sending out a fraudulent email. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: DISCOVER BANK
State: NC

Complaint narrative:
I was involved in a " free '' piano scam where my co-worker, who is in charge of donor relations, emailed me that a woman was giving a way a free piano. I have never fallen for a scam like this, and everything seemed legit. I wired {$1200.00} to cover shipping costs and received both a tracking number and invoice. I didn't realize it was a scam until the shipping company emailed me a few weeks later saying " your piano shipment is frozen due to finding large amounts of cash in XXXX of the compartments '' I then looked up this scam and realized many people have fallen for it. 

If someone using this website tries this with you, be warned : XXXX XXXX XXXX email XXXX phone number : XXXX XXXX I called my Discover bank line and they heard my story but said they couldn't do anything about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC
State: GA

Complaint narrative:
I made timely payments for XXXX XXXX in XXXX. Additionally, I had deferred payments for both XXXX and XX/XX/2023. Also, I had a deferred payment for the month of XXXX and XX/XX/2023 from BMW Financial. Despite my repeated attempts to dispute these matters, the companies persist in reporting the accounts with late payments. 

XXXX XXXX promptly updated the XXXX month, but unfortunately reported the month of XXXX as late. Although the account was settled in XXXX, they still persist in reporting it as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I made timely payments for Ally Financial in XXXX. Additionally, I had deferred payments for both XXXX and XX/XX/2023. Also, I had a deferred payment for the month of XXXX and XX/XX/2023 from XXXX XXXX. Despite my repeated attempts to dispute these matters, the companies persist in reporting the accounts with late payments. 

XXXX XXXX promptly updated the XXXX month, but unfortunately reported the month of XXXX as late. Although the account was settled in XXXX, they still persist in reporting it as late.

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 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc.
State: GA

Complaint narrative:
I made timely payments for XXXX XXXX in XXXX. Additionally, I had deferred payments for both XXXX and XX/XX/2023. Also, I had a deferred payment for the month of XXXX and XX/XX/2023 from XXXX XXXX. Despite my repeated attempts to dispute these matters, the companies persist in reporting the accounts with late payments. 

Money Lion promptly updated the XXXX month, but unfortunately reported the month of XXXX as late. Although the account was settled in XXXX, they still persist in reporting it as late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation