vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-19 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: CA

Complaint narrative:
I am filing a complaint against APPLE CARD/GS BANK USA regarding their failure to address inaccuracies on my credit report. On XX/XX/XXXX, I submitted a dispute to APPLE CARD/GS BANK USA regarding discrepancies in the reporting of my account. In response, I received documentation showing transaction and payment history, but the issue regarding the accuracy and completeness of the account was not resolved. 

Subsequently, I disputed this account once again with APPLE CARD/GS BANK USA on XX/XX/XXXX, and XX/XX/XXXX. However, I did not receive any response to these subsequent disputes. The account in question is reporting incomplete and inaccurate information, particularly concerning the payment history. While the account was opened on XX/XX/XXXX, the payment history on XXXX only reflects payments from XX/XX/XXXX through XX/XX/XXXX. In contrast, XXXX reports payments from XX/XX/XXXX through XX/XX/XXXX. This discrepancy raises concerns about the accuracy and completeness of the account 's reporting. 

As per the Fair Credit Reporting Act ( FCRA ), furnishers like APPLE CARD/GS BANK USA are obligated to promptly investigate consumer disputes and provide a response within 30 days. However, APPLE CARD/GS BANK USA has failed to fulfill this obligation by not addressing the inaccuracies and discrepancies in the reporting of my account within the stipulated timeframe.

I am including copies of my dispute letters sent to APPLE CARD/GS BANK USA to demonstrate the efforts I have made to resolve the errors on my credit report. I am also including a copy of their response dated XX/XX/XXXX. Additionally, I am including a copy of how this account appears on my credit report to demonstrate the errors. Despite my attempts to engage with them, APPLE CARD/GS BANK USA has not provided any response or taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 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: NY

Complaint narrative:
My consumer report has false information that is portraying my ability to manage credit incorrectly. This is both incomplete and not 100 % accurate, which is a violation of my rights under FCRA.

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 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There is a account on my credit report that is not mine and belongs to someone else.

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 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: WV

Complaint narrative:
Discover credit card closed my account stating that I had failed to respond to a request to verify personal identification. Personal identification was verified when I opened the account over 2 years ago, but this is a new request that was sent out. The only request that I knowingly received was over the phone which I thought was a scammer due to the holidays so I did not provide any personal information. My credit report was drastically hit because of the closed account, even though I've made my payments on time and have paid off the credit card. I feel as though I've been wronged by discover credit and at a minimum would like for my credit report to not reflect any negative impacts from this company. I spoke to discover credit in which they've told me that they will get back to me within 3 to 5 business days but could not tell me other than not verifying my personal identity as to why my account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I applied for an XXXX XXXX card on XX/XX/2024 I was denied because of my XXXX score Breaking the FCRA and the XXXX. Not to mention an application is a financial transaction, which I haven't been compensated for. 

I called today XX/XX/2024 for reconsideration. Hoping for a change in the decision and was told I need to talk to the credit bureau ( which there is no such thing ) and apply in 30 days. 

XXXX ) I havent been compensated for my application XXXX ) my app will be traded upon the market well before 30 days along with other securities. 

XXXX ) there's all sorts of inaccuracies on my report that has nothing to do with granting me an open ended line of credit XXXX*i was the young woman I spoke with today she was kind and sweet no doubt about that. I just want what's my god given right from American express.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: GA

Complaint narrative:
To Whom It May Concern : XXXX XXXX XXXX XXXX XXXX has been verified that the account they are reporting under my name is inaccurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. If this cant be provided, please remove this account off my credit report. I would greatly appreciate it. Any automated response, or e-Oscar verification is unacceptable. I am requesting a re-investigation AND your method of verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union Corp., XXXX. XXXX ( XXXX  XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. Under 15 usc 1681b- permissible purpose of consumer reports ( a ) in general, subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances & no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : 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 2024-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
These people claim to be with Harris and Harris, and keep calling my new line even though I have repeatedly told them to stop, as I am not the person they're trying to bilk. They told me that they would remove my number from their system, but still I get multiple calls from them every week. They make a robocall from XXXX ( XXXX ) XXXX, asking me to call them back at XXXX ( XXXX ) XXXX. I have called both numbers to get them to stop, and they refuse to do so. They have hung up on me a number of times.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC
State: FL

Complaint narrative:
On XX/XX/2023, i mailed a certified debt validation letter to MRS BPO LLC XXXX XXXX XXXX XXXX XXXX, NJ XXXX via certified mail. The letter was delivered on XX/XX/2023. The tracking history and number is attached. MRS BPO LLC has not responded or mailed any proof of verification that I owe a creditor. If any, MRS BPO LLC failed to explain the alleged debt, show any actual transactions, or the like. 

I requested the following : what the money you say I owe is for ; explain and show me how you calculated what you say I owe ; provide me with copies of any papers that show I agreed to pay what you say I owe ; provide a verification or copy of any judgment if applicable ; identify the original creditor and agent that logged the alleged transaction. prove the Statute of Limitations has not expired on this account ; show me that you are licensed to collect in my state ; and provide me with your license numbers and Registered Agent. Furthermore, a complete payment history, starting with the original creditor. ( I need to have proof of my payment history with the original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt and how you/they determined these fees. ) As of today, MRS BPO LLC has failed to respond to my debt validation request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 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: IL

Complaint narrative:
I have been crying out to the XXXX major Consumer reporting Agencies for the longest time in regards to an Account that does NOT belong to me. This account is listed below in detail! 
XXXX XXXXXXXX XXXX Acct # XXXX Balance : {$520.00} Opened : XX/XX/XXXX XXXX, Equifax, & XXXX have all responded by stating that this account has been verified along with being accurate. I have provided proof that this account is NOT reporting accurately by far. I have attached a document ( payment statistics ) from each Bureau as pertains to XXXX XXXXXXXX XXXX demonstrating the inaccuracies. 
XXXX XXXX XXXX XXXX report the last payment as XX/XX/XXXX, as Equifax reports the last payment as XX/XX/XXXX. 
- XXXX reports the closing date as XX/XX/XXXX, as XXXX XXXX Equifax report the closing as No info. 
- XXXX displays XXXX Equifax XX/XX/XXXX XXXX XXXX XXXX XXXX reports the account as a charge off - XXXX, XXXX just as Closed, and Equifax is still reporting the Account as Late Payments as to date while simultaneously reporting the account as being Closed. 
This Account is NOT reporting in compliance with The Fair Credit Reporting Act via 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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 did not initiate these accounts, and I strongly suspect them to be fraudulent. I kindly request that you thoroughly investigate and promptly remove them from my credit report. I have provided supporting documentation 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 2024-02-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: SC

Complaint narrative:
The original company sold my loan without my permission and when I looked on the website XXXX they weren't authorized to even have my loan. They send payment letters to my house weekly. The loans are under my maiden name. I got married XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
I received the gift card as a birthday gift on Saturday, I attempted to use the card on Sunday evening in the amounts of {$84.00} & {$14.00}, both were declined. 

I then attempted to get fuel for {$45.00} and that was declined. 

I called the company informing them of the issues I was having and they informed me that there were restrictions on the card and where they could be used at. I stated that information in no where on the card nor the packaging for the card. 

I asked them if they had a list or somewhere where I could see the list and they stated that they did not have one.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: NJ

Complaint narrative:
I have yet to get a direct and truthful answer on how and what source of verification was used on XXXX and bankruptcy # 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 2024-02-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Village Capital & Investment LLC
State: TX

Complaint narrative:
I am attempting a short sale for my home at XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX throught Village Capital LLC. An interior appraisal has been ordered but, we have not received a phone call from the appraiser for access information. I am submitting this complaint against Village Capital due to the lack of response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2024-02-19 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: NY

Complaint narrative:
I have noticed there is inaccurate informations on my credit report. Was a reasonable reinvestigation done property? Please note 15 U.S.C 1666B stats a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose and 15 U.S.C 1681 section 602 A. States I have the right to privacy. I can't buy a new house because of these errors! They need to be removed with 5-30 days per law Or I will be forced to seek more legal council.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 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: GA

Complaint narrative:
I am speechless. Errors on my credit report are damaging my credit reputation. Equifax is in violation of the FCRA by reporting these inaccurate records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have never received a credit card from XXXX XXXX. 
I have not do I live at XXXX XXXX XXXX. 
I have not applied for any credit cards Misspelled name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 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 formally dispute the following account on my credit report, which I believe to be inaccurate and unauthorized.

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