vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-28 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: PA

Complaint narrative:
I was the victim of identity theft in early 2023. I flagged this very quickly with all of the credit reporting services. I signed up for intensive monitoring with XXXX in early XXXX. On XX/XX/2023, I got an email from XXXX which said that XXXX had reported a new account. After checking with XXXX, I found that it was an Apple Card. I called and was transferred to XXXX who looked up the account using my SSN. I had been added as an additional user to another card ; the address used was in XXXX and didn't match any of mine in the file. They did not review the credit report ( and thus didn't see the fraud alert ) as they don't do that when someone is added as an additional user. After consulting his supervisor, he was told to treat it as card fraud and block the account. I put in an dispute with XXXX. On XX/XX/2023, this showed up on the XXXX credit report as well, and I filed a dispute with XXXX. On XX/XX/2023, XXXX said that the account was valid. On XX/XX/2023, I called Apple Card and spoke to XXXX and explained the past situation. She confirmed that hte account she pulled up ended in XXXX ( which was what was shown on the XXXX report. She tried to open a credit bureau dispute from her side but got an error when she tried and sent me to a supervisor. XXXX checked and said that the investigation was completed last month and it would correct itself the next week when they report new data to the credit bureaus. She said that they report on the XXXX week of the month. She said that it had been escalated and I should call in XXXX if the information hadn't been removed from the report. 
On XX/XX/XXXX, I checked the XXXX report and it showed as closed but with late payments. There was no comment to indicate that it was not my responsibility ( as they had stated on my initial call in XXXX ). On XX/XX/XXXX, I pulled the XXXX report and saw the information was still there. On XX/XX/XXXX, I called and spoke to XXXX and explained the situation. She sent me to a supervisor XXXX XXXX XXXX who said that he would transfer the case to the fraud department as a complaint but it would be resolved in 30 days. I explained that this was their last shot to fix it - after that, I was going to CFPB. 
The credit report I pulled today ( XX/XX/XXXX ) shows that the incorrect information is still there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
My apple XXXXXXXX was stolen on XX/XX/2023. The thief was able to completely change my Apple ID information making it impossible for me to access my account. I contacted Goldman Sachs who issues the Apple Credit Card I had and they shut it down and closed my account. They are refusing to send me statements and change the email address associated with the credit card for me to receive statements. They are sending statements to the email address of the thief, who certainly isnt going to be paying my bill. I think they should be required to switch that email address into one that is mine so I can receive my statements. The thief should not be receiving information that does not pertain to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I reported fraud on my checking account card ending in XXXX. I was issued a temporary credit, then the next day both checking accounts and pending replace card were restricted for 90 days leaving me without access to my primary checking account to pay bills. I contacted the bank, and they told me that they were reviewing and would conduct an investigating and they will remain restricted for 90 days. I can not XXXX, transfer money, pay bills, wire transfer or anything from my account leaving me totally without access to my money and I have pending deposits as well. 

This is not the first time this has happened with the bank. In XXXX, I was reported deceased, and they froze my accounts, and I had o prove for 3 weeks that I was not deceased. I am being double charged for my auto loan when every month it is paid on the 1st of the month. I feel this is discrimination towards a XXXX XXXX XXXX veteran. I have been with this bank since XXXX. I would like someone to look into this matter for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 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: LA

Complaint narrative:
I have been unable to get my credit report or dispute results from Equifax since XX/XX/XXXX. Uploaded documentation shows number of attempts to retrieve my report. I even had to start paying a subscription because I used up all of my free reports trying to see my report. I informed equifax through letters and phone calls I feared identity theft due to a divorce. I am a single mother of XXXX children in college and I am in college as well. I can't get student loans approved due to equifax. Lenders can not see my credit report. Even Equifax customer care states they can not see my credit report. I've tried to retrieve it through My equifax, credit karma, smart credit, XXXX website, and credit sesame. I have contacted Equifax customer care 4 times and each time they say they are escalating the case to IT and I will receive an email. I have never received an email from them out of the XXXX complaints that have been filed. I'm uploading documentation which shows where the disputes were filed and they say complete. But I can't see the results, and it never fixes the problem. The dates I contacted Equifax customer care are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I am fixing to have to drop out of school because of this. They refuse to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 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: MO

Complaint narrative:
Somebody has all my personal information and he keeps unlocking my credit file after I told Transunion 3 days ago to put an EXTENDED fraud alert on my file for 7 years. They are also monitoring all my communications phone, internet, mail. Everything. I have XXXX privacy. After I asked for help with a credit card my bank calls me closed my account and takes my debit card. It has always been this way. My small business are being used by someone else and my credit is being used by someone else to.

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 2023-10-28 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: MO

Complaint narrative:
Somebody has all my personal information and he keeps unlocking my credit file after I told XXXX 3 days ago to put an EXTENDED fraud alert on my file for 7 years. They are also monitoring all my communications phone, internet, mail. Everything. I have XXXX privacy. After I asked for help with a credit card my bank calls me closed my account and takes my debit card. It has always been this way. My small business are being used by someone else and my credit is being used by someone else to.

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 2023-10-28 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: OH

Complaint narrative:
ACCOUNTS CHARGED WITHOUT MY PERMISSION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28 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: OH

Complaint narrative:
ACCOUNTS CHARGED WITHOUT MY PERMISSION.

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 2023-10-28 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: UT

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 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 has violated my rights. 
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 2023-10-28 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:
My records show I made two payments in XXXX and XXXX in XX/XX/2020. 
The creditor is reporting I was actually late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28 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: Westlake Services, LLC
State: GA

Complaint narrative:
I have no knowledge of any of these hard inquiries on my credit and would like for them to be removed!

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 2023-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
Back in XX/XX/2020. My car was repossessed by Credit Acceptance. During this time I was serving in the XXXX XXXX, XXXX XXXX. I understand under the Servicemembers Civil Relief Act ( SCRA ) that I have certain protections and rights regarding a repossession. However Credit Acceptance did not get proper authority or go through proper channels for the repossession. They also failed to give me any notice by phone, email or mail. I did not receive notice of the action taken.

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 2023-10-28 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: CA

Complaint narrative:
XXXX XXXX Orignal creditor : XXXX XXXX Account number XXXX Date opened XXXX XXXXXXXX XXXX Account type Collection Status Collection account. {$3900.00} past due as of XX/XX/2023. 
Status updated 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 2023-10-28 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: CA

Complaint narrative:
XXXX XXXX Orignal creditor : XXXX XXXX Account number XXXX Date opened XXXX XXXX, XXXX Account type Collection Status Collection account. {$3900.00} past due as of XX/XX/2023. 
Status updated 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 2023-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Somehow my bank lost my direct deposit from work. As a result I was charged for something I should have had the money to pay for and they overdrafted me. When I explained the issue, sent them the information from my employer confirming the transaction on their end, they said they could not fix overdraft fees. On top of that, I deposited a check, because otherwise I'd have negative money in my bank account. And due to my account having been overdrawn recently, which half of the check paid for, they are holding the other half of the check until XX/XX/XXXX and insisted they could not send it sooner. They also say they have no idea what happened to my paycheck and it could take a few weeks to resolve.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 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: SC

Complaint narrative:
I typing this right now in disbelief how XXXX, Transunion, and XXXX treating their consumers. I was using credit for some years now because I didn't want debt. Me learning understanding that American is built off credit, I wanted to start a business to get funding but found out I'm a victim of identity thief. 


I Mailed letters, file a FTC report and many CFPB reports stated what I need changed/Removed from my credit report. All late payments is wrong on my credit report and I want changed ( to paid as agreed ). Collections Accounts should not be on my credit report. I'm demanding a proof of verification that the info in my report is vaild. 

FTC REPORT NUMBER- XXXX if not vailed, I want it changed/removed to what the letters states for the dispute.

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 2023-10-28 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: SC

Complaint narrative:
I typing this right now in disbelief how XXXX, XXXX, and Equifax treating their consumers. I was using credit for some years now because I didn't want debt. Me learning understanding that American is built off credit, I wanted to start a business to get funding but found out I'm a victim of identity thief. 


I Mailed letters, file a FTC report and many CFPB reports stated what I need changed/Removed from my credit report. All late payments is wrong on my credit report and I want changed ( to paid as agreed ). Collections Accounts should not be on my credit report. I'm demanding a proof of verification that the info in my report is vaild. 

FTC REPORT NUMBER- XXXX if not vailed, I want it changed/removed to what the letters states for the dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I went to a Bank of America ATM and attempted to make a XXXX cash withdrawal. The atm gave me my card back and a receipt that said a restriction has been placed on my card due to expected unauthorized transactions. The recept also provided a phone number to call. 
I pulled off and called the number, having to verify some card transactions to reinstate my card. When I checked my acct the XXXX withdrawal was showing and not reversed!! 

I files a claim with banknof America and it was denied!!!!!! The camera will show that I did not receive any money! Only my card and receipt! I dont understand how my claim was denied. Where is my 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 monetary relief
Consumer complaint received 2023-10-28 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ). The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXX XXXX XXXX ) Has violated my rights 2- ( XXXX XXXX XXXX XXXX ) Has violated my rights 3XXXX ( XXXX - XXXX XXXX XXXX ) Has violated my rights 4- ( XXXX XXXX XXXX ) Has violated my rights 5- ( XXXXXXXX XXXX XXXXXXXX XXXX ) Has violated my rights 6- ( XXXX XXXX ) Has violated my rights 7- ( XXXXXXXX XXXX XXXX XXXXXXXX ) Has violated my rights 8- ( XXXX XXXX XXXX XXXX/Account # XXXX ) Has violated my rights 9- ( XXXXXXXX XXXXAccount # XXXX ) Has violated my rights 10- ( XXXX XXXX XXXX/Account # XXXX ) Has violated my rights 11- ( XXXX XXXX XXXX/Account # XXXX ) XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/XXXX, XXXX violated my rights

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 2023-10-28 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ). The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXX XXXX XXXX ) Has violated my rights 2- ( XXXX XXXX XXXX XXXX ) Has violated my rights 3- ( XXXX - XXXXXXXX XXXX  XXXX ) Has violated my rights 4- ( XXXX XXXX XXXX ) Has violated my rights 5- ( XXXX XXXX XXXXXXXX XXXX ) Has violated my rights 6- ( XXXX XXXX ) Has violated my rights 7- ( XXXXXXXX XXXX XXXX XXXXXXXX ) Has violated my rights 8- ( XXXX XXXX XXXX XXXXAccount XXXX XXXX ) Has violated my rights 9- ( XXXX XXXX/Account # XXXX ) Has violated my rights 10- ( XXXX XXXX XXXX/Account # XXXX ) Has violated my rights 11- ( XXXX XXXX XXXX/Account # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXHas violated my rights

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