vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
The banking app XXXX  was used by someone who has abused me in the past to send a highly offensive and abusive message to me by sending me a money transfer of {$1.00} to my Chase bank account through XXXX. Here are the details of the transaction that occured at XXXX XXXX on XX/XX/year> : XXXX XXXX XXXX you money Here are the details : Amount {$1.00} Sent on XX/XX/year> Transaction number XXXX Memo i XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. YOU are XXXX XXXXXXXX XXXX follow you. XXXX. XXXX is, earth angels like XXXX. 

XXXX XXXX is registered with a XXXX member bank that supports payments in real time, so your money will usually be available in a few moments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-02-05 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: VA

Complaint narrative:
My Apple Card was stolen along with my other credit cards in my Apple Wallet. I disputed a charge and Apple Card resolved the dispute. The issue is that my electronic card number was issued and stolen two more times. I called Apple and was having trouble getting to talk to a person about why every new card number was being stolen. So when a person from Apple fraud department called me I answered because I thought it was a legitimate call. It was not a legitimate call I had been scammed. I gave the caller my Apple ID password to verify my account and he was able to diconnect my phone number from my phone take over the phone number and try and steal XXXX from my Goldman Saks Apple Savings Account. I realized that I was being scammed and was able to call Apple Savings Support and put a hold on my account before the thief was able to transfer any money. I have subsequently closed my Apple credit card and am trying to close my Goldman Sacks Savings account and the bank will not close the account or send me the funds because they say the account was frozen. I have asked multiple times how we can resolve this issue and they have no answer and told me to contact XXXX XXXX the bank from which the initial transfer originated. The bank is not closing the account and has no plan to verify my identity so that I can receive my funds. I also have lost access to my Apple account because the scammer took over my Apple ID. Goldman Sacks only provided statements through my Apple wallet and I no miner have access to any information about the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
Sofi denies me of a loan for the following reasons, every single one is incorrect on my credit report : 1. Limited credit experience - I have XXXX years of credit experience 2. Too few accounts currently paid as agreed- I have never been delinquent on any loan 3. Lack of recent installment loan information - I don't even know what that means ( and neither did customer service ) 4. Ratio of balance to limit on bank revolving or other rev accounts too high - my ratio is 13 %, which is excellent 5. Length of time accounts have been established - 15.5 years, as mentioned.

I believe Sofi is denying me a loan because they had extended a loan to me 2.5 years ago and I paid the loan in full very fast, so they were not able to make enough money on interest. 
I am attaching their declination letter, and my credit report, which is dated today ( XX/XX/XXXX ). Every single reason for declination is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: MD

Complaint narrative:
I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable distress, and I implore you to correct this mistake by promptly removing it from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: MD

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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 2025-02-05 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: MD

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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 2025-02-05 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: TX

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2025-02-05 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: AL

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-02-05 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: AL

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-02-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute the inaccurate reporting of a credit report. The account Capital One account number ( XXXX ) has been incorrectly reported as a charge-off while still reflecting a balance, which is inconsistent with accurate credit reporting standards. Additionally, a past-due balance is being reported, despite the account already being classified as a charge-off. This misrepresentation is a violation of credit reporting laws, as furnishers are required to provide complete and accurate information. 

I have previously disputed this account with XXXX, but they failed to conduct a proper investigation and denied my request for correction. Furthermore, I have been informed that the CFPB has filed a lawsuit against XXXX for accepting unreliable information and failing to notify consumers of dispute results. My situation aligns with these concerns, as XXXX has neither corrected nor removed the inaccurate information from my report. 

Due to these reporting errors, my credit score has been negatively impacted, affecting my ability to secure essential financial opportunities, including [ a mortgage, auto loan, personal loan, etc. ]. I request that your agency reinvestigate this matter thoroughly and ensure that the inaccurate reporting is corrected or removed immediately. XXXX violates my rights as a consumer, as well as federal laws. 

I appreciate your prompt attention to this matter and look forward to communicating in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I contacted XXXX XXXX regarding my account and was told they no longer had the account, it was sold. XXXX reports XXXX XXXX close XX/XX/year>. But continues to report late payments and XXXX off on the report after the close date, showing on XXXX and 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 2025-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I contacted XXXX XXXX regarding my account and was told they no longer had the account, it was sold. TransUnion reports XXXX XXXX close XX/XX/2020. But continues to report late payments and Charge off on the report after the close date, showing on TransUnion and 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 2025-02-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: PLANET HOME LENDING, LLC
State: CT

Complaint narrative:
My loan with XXXX was transferred to Planet Home Lending as of XXXX. I've been calling Planet Home Lending to set up payment arrangements, months of XXXX and XXXX show due. I've been unable to reach anyone at number provided, XXXX, my social security is entered, no account pulls up. I need payment information including XXXX XXXX, I intend to make XXXX payment this coming Friday, XXXX. I intend to make XXXX payment by end of this month ; XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: NY

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX : XXXX Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion Experian , and Equifax credit reporting agency , block 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 XXXX XXXX XXXX  XXXX Account # : XXXX | Type : Credit Card | Opened : XX/XX/XXXX XXXX XXXX Account # : XXXX | Type : Credit Card | Opened : XX/XX/XXXX XXXX  XXXX Account # : XXXX | Type : Credit Card | Opened : XX/XX/XXXX XXXX XXXX XXXX Account # : XXXX | Type : Credit Card | Opened : XX/XX/XXXX XXXX Account # : XXXX | Type : Charge Card | Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Account # : XXXX | Type : Credit Card | Opened : XX/XX/XXXX XXXX XXXX  Account # : XXXX | Type : Credit Card | Opened : XX/XX/XXXX XXXX  XXXX XXXX  Account # : XXXX | Type : Credit Card | Opened : XX/XX/XXXX XXXX Account # : XXXX | Type : Charge Card | Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX  Account # : XXXX | Type : Credit Card | Opened : XX/XX/XXXX XXXX Account # : XXXX | Type : Credit Card | Opened : XX/XX/XXXX XXXX XXXX  XXXX  ( Original Creditor ) Account # : XXXX | Type : Debt Buyer | Opened : XX/XX/XXXX XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX | Type : Debt Buyer | Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX | Type : Debt Buyer | Opened : XX/XX/XXXX These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copies of FTC Identity Theft Criminal Complaints # XXXX, XXXX, XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: NY

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX : XXXX Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion Experian , and Equifax credit reporting agency , block 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 XXXX XXXX XXXX  XXXX Account # : XXXX | Type : Credit Card | Opened : XX/XX/XXXX XXXX XXXX Account # : XXXX | Type : Credit Card | Opened : XX/XX/XXXX XXXX  XXXX Account # : XXXX | Type : Credit Card | Opened : XX/XX/XXXX XXXX XXXX XXXX Account # : XXXX | Type : Credit Card | Opened : XX/XX/XXXX XXXX Account # : XXXX | Type : Charge Card | Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Account # : XXXX | Type : Credit Card | Opened : XX/XX/XXXX XXXX XXXX  Account # : XXXX | Type : Credit Card | Opened : XX/XX/XXXX XXXX  XXXX XXXX  Account # : XXXX | Type : Credit Card | Opened : XX/XX/XXXX XXXX Account # : XXXX | Type : Charge Card | Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX  Account # : XXXX | Type : Credit Card | Opened : XX/XX/XXXX XXXX Account # : XXXX | Type : Credit Card | Opened : XX/XX/XXXX XXXX XXXX  XXXX  ( Original Creditor ) Account # : XXXX | Type : Debt Buyer | Opened : XX/XX/XXXX XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX | Type : Debt Buyer | Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX | Type : Debt Buyer | Opened : XX/XX/XXXX These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copies of FTC Identity Theft Criminal Complaints # XXXX, XXXX, XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 explanation
Consumer complaint received 2025-02-05 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: TX

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away. Kindly remove and block them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-05 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
I paid my complete balance on my Apple credit card from my normal bank. I have never been late with a payment. They drafted the funds but would not accept any new charges resulting in missed shipments and late charges for other services I purchase. 

I contacted the bank, and they insisted they would hold my funds for a full week before release if my credit. 

I believe drafting, holding, and not applying payment while causing me inconvenience while they earn interest on my payments is theft and should be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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