vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
The issue is with the Marcus by Goldman Sachs Bank where I have the savings account. The funds came in from the external account for the amount of XXXX $ and they have put my account on hold for weeks now. They are not providing any resolution or reasoning. They have put a hold on the funds that I own. Request you to quickly help me resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: TX

Complaint narrative:
I was charged atm fees and when I reported fraud they locked my card and when I called they never answered the phone or hung up on me I had to transfer my benefits to a chime account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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:
Transunion XXXX XXXX has violated the FCRA 1681, by not conducting a reasonable investigation into the account XXXX XXXX XXXX ( XXXX ). Transunion XXXX XXXX has also violated FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 days. I am attaching an FTC affidavit validating that the account is not authorized be me. I am also including a XXXX Police report as well. I am also attaching a copy of my identification. Please delete the account from my credit report that you maintain under my personal information. Failure to remove it, will result in a lawsuit being filed against the Transunion 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 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been a victim of identity theft. 
The information listed below, which appears on my credit report, does not relate to any transaction that I have made. 
Identify inquiry resulting from identity theft that must be deleted. 

XXXXXXXX XXXX XXXXXXXX INQUIRY DATE XX/XX/year> XXXXXXXX XXXX XXXX INQUIRY DATE XX/XX/year> 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 2024-12-12 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:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts on my report, theyre hurting of my ability to obtain credit. All of the aforementioned accounts, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, are the result of identity theft and fraud. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency , block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said 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 non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible, and been trying to call the credit bureaus for the past weeks now but their automated system is not user friendly and it just keeps on wasting my time. Please remove those alerts asap so that I can move into my new home. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: PA

Complaint narrative:
I am writing to dispute the repeated appearance of XXXX XXXX on my credit report. I previously disputed this account on XXXX XXXX and it was removed following your investigation. However, this account has now reappeared on my credit report without proper notice or explanation. This action violates my rights under the FAIR CREDIT REPORTING ACT ( FCRA ), which requires credit reporting agencies to ensure that information on credit reports is accurate and verifiable. Additionally, accounts that have already been investigated and removed should not be reinserted unless the furnisher of the information provides new, verified evidence of accuracy. If this has occurred, I request a full explanation and documentation supporting the reinsertion. I am formally requesting an immediate re-investigation of this account, removal of this account if verification can not be provided and a detailed explanation of why this account was reinserted. Please find attached copies of my previous dispute correspondence, the original confirmation of removal and other supporting documents for your reference. I request that this matter be resolved within 30 days, as stipulated by law. Thank you for your prompt attention to this matter.

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 2024-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
over the last week I paid in full any debt that appeared on all three bureaus. I cant upload documents. I called XXXX and he told me what to do but its incorrect. I have lived in only 2 states XXXX XXXX and XXXX  for past 8 years. I am back in XXXX. I have 21 pages to give to them so they can start from the beginning with my current address.

I need them to start the process by getting my current address correct

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 2024-12-12 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: MI

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-12-12 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:
I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, this incorrect addresses remain listed : These addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 

XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NEW YORK NY XXXX XXXX, XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX NEW YORK NY XXXX & XXXX XXXX XXXX XXXX XXXX PA 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 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Lies told and Criminal Activities by XXXX on TransUnion, XXXX, XXXX that shows retaliation, discrimination, defamation of character, and ongoing harassment while my student loan has been forgiven for their fraud : " Pay Status- Transferred; was 120 days past due date. '' " Estimated month and year this item will be removed- XX/XX/XXXX '' " Remarks- TRANSFERRED TO ANOTHER LENDER '' " XX/XX/XXXX shows 30 days late, XX/XX/XXXX shows 60 days late, XX/XX/XXXX shows 90 days late, XXXX shows 120 days late then all of a sudden things reported " ok '' until XXXX XXXX XXXX where I have 120 days late on most of those months until they transferred the loan to another lender '' In XXXX CFPB won billions of dollars for students that attended XXXX XXXX during certain XXXX XXXX At the time I attended XXXX XXXX XXXX XXXX in XXXX where the school took advantage of my Post XX/XX/XXXX XXXX XXXX and stated that I still needed to get student loans to cover their fee 's and costs. I later found out that my classes weren't transferrable to be used when I went to other colleges. I graduated College with a 4 year degree from another college in XXXX. I didn't use financial aid since XXXX. XXXX has reported to my credit for almost 10 years now and plan to continue til XXXX illegally. I want compensation of {>= $1,000,000} for Navients ongoing damage from transferring my personal information to another company in XXXX without my permission; illegally obstructing my privacy to destroying my reputation, mental stability, and emotional balance with lies. XXXX left statements that will ruin the chances of me getting numerous loans or grants because of their defamatory and discriminative statements. My credit score has not had its " fair chance to succeed because of XXXX. I have already experienced denial for refinancing my home from a lower score than earned, getting a loan for my business, and still have high interest rates on credit card offers. XXXX XXXX sold my student loans to XXXX and XXXX sold my loan to XXXX XXXX XXXX, XXXX. Why? Because I was a XXXX Woman? XXXX continuously harassed me to pay the debt so I did what I could but when I couldn't I contacted them to defer them. They deferred it without penalty or so I thought. They were part of the cause for denials of credit applications. Haven't I suffered enough for their criminalistic activities? This is a shame because they put this on XXXX separate loans with them. XXXX  XXXX and 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 2024-12-12 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: FL

Complaint narrative:
Lies told and Criminal Activities by XXXX on XXXX, XXXX, Equifax that shows retaliation, discrimination, defamation of character, and ongoing harassment while my student loan has been forgiven for their fraud : " Pay Status- Transferred; was 120 days past due date. '' " Estimated month and year this item will be removed- XX/XX/XXXX '' " Remarks- TRANSFERRED TO ANOTHER LENDER '' " XX/XX/XXXX shows 30 days late, XX/XX/XXXX shows 60 days late, XX/XX/XXXX shows 90 days late, XXXX shows 120 days late then all of a sudden things reported " ok '' until XXXX XXXX XXXX where I have 120 days late on most of those months until they transferred the loan to another lender '' In XXXX CFPB won billions of dollars for students that attended XXXX XXXX during certain XXXX XXXX At the time I attended XXXX XXXX XXXX XXXX in XXXX where the school took advantage of my Post XX/XX/XXXX XXXX XXXXXXXX and stated that I still needed to get student loans to cover their fee 's and costs. I later found out that my classes weren't transferrable to be used when I went to other colleges. I graduated College with a 4 year degree from another college in XXXX. I didn't use financial aid since XXXX. XXXX has reported to my credit for almost 10 years now and plan to continue til XXXX illegally. I want compensation of {>= $1,000,000} for Navients ongoing damage from transferring my personal information to another company in XXXX without my permission; illegally obstructing my privacy to destroying my reputation, mental stability, and emotional balance with lies. XXXX left statements that will ruin the chances of me getting numerous loans or grants because of their defamatory and discriminative statements. My credit score has not had its " fair chance to succeed because of XXXX. I have already experienced denial for refinancing my home from a lower score than earned, getting a loan for my business, and still have high interest rates on credit card offers. XXXX XXXX sold my student loans to XXXX and XXXX sold my loan to XXXX XXXX XXXX, XXXX. Why? Because I was a XXXX Woman? XXXX continuously harassed me to pay the debt so I did what I could but when I couldn't I contacted them to defer them. They deferred it without penalty or so I thought. They were part of the cause for denials of credit applications. Haven't I suffered enough for their criminalistic activities? This is a shame because they put this on XXXX separate loans with them. XXXX  XXXX and XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Lies told and Criminal Activities by XXXX on XXXX, Experian, XXXX that shows retaliation, discrimination, defamation of character, and ongoing harassment while my student loan has been forgiven for their fraud : " Pay Status- Transferred; was 120 days past due date. '' " Estimated month and year this item will be removed- XX/XX/XXXX '' " Remarks- TRANSFERRED TO ANOTHER LENDER '' " XX/XX/XXXX shows 30 days late, XX/XX/XXXX shows 60 days late, XX/XX/XXXX shows 90 days late, XXXX shows 120 days late then all of a sudden things reported " ok '' until XXXX XXXX XXXX where I have 120 days late on most of those months until they transferred the loan to another lender '' In XXXX CFPB won billions of dollars for students that attended XXXX XXXX during certain XXXX XXXX At the time I attended XXXX XXXX XXXX XXXX in XXXX where the school took advantage of my Post XX/XX/XXXX XXXX XXXX and stated that I still needed to get student loans to cover their fee 's and costs. I later found out that my classes weren't transferrable to be used when I went to other colleges. I graduated XXXX with a 4 year degree from another college in XXXX. I didn't use financial aid since XXXX. XXXX has reported to my credit for almost 10 years now and plan to continue til XXXX illegally. I want compensation of {>= $1,000,000} for Navients ongoing damage from transferring my personal information to another company in XXXX without my permission; illegally obstructing my privacy to destroying my reputation, mental stability, and emotional balance with lies. XXXX left statements that will ruin the chances of me getting numerous loans or grants because of their defamatory and discriminative statements. My credit score has not had its " fair chance to succeed because of XXXX. I have already experienced denial for refinancing my home from a lower score than earned, getting a loan for my business, and still have high interest rates on credit card offers. XXXX XXXX sold my student loans to XXXX and XXXX sold my loan to XXXX XXXX XXXX, XXXX. Why? Because I was a XXXX Woman? XXXX continuously harassed me to pay the debt so I did what I could but when I couldn't I contacted them to defer them. They deferred it without penalty or so I thought. They were part of the cause for denials of credit applications. Haven't I suffered enough for their criminalistic activities? This is a shame because they put this on XXXX separate loans with them. XXXX XXXX and 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 explanation
Consumer complaint received 2024-12-12 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: MD

Complaint narrative:
Ive had multiple charges and accounts on my credit Ive never opened I had no knowledge of I tried to dispute multiple multiple times and its still affecting me that I cant use my credit or build I also seen cars that I never owed pop up on my credit karma account it dropped my credit XXXX points in 1 day I think this is very unfair because when I need an advance Im not able to use credit because somehow someone has destroyed my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
Ive had multiple charges and accounts on my credit Ive never opened I had no knowledge of I tried to dispute multiple multiple times and its still affecting me that I cant use my credit or build I also seen cars that I never owed pop up on my credit karma account it dropped my credit XXXX points in 1 day I think this is very unfair because when I need an advance Im not able to use credit because somehow someone has destroyed my credit

Company response to consumer: Closed with explanation