vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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 2024-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
Dear Marcus by Goldman Sachs, Im writing to express my frustration with your service. Due to a failure to authenticate my phone number, my account has been locked for several days. Despite multiple attempts, Ive received no solution to regain access.

This situation is unacceptable, and I urgently need access to my account. Please address this issue immediately and provide a resolution as soon as possible. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I found frivolous items on my credit report that do not belong to me.

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 2024-08-12 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting ABSOLUTE RESOLUTIONS I Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS CREDIT XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

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 2024-08-13 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 recently reviewed my consumer credit report and noticed I had fraudulent accounts on my report. Please remove these accounts, they are hurting my ability to obtain credit. Thank you.

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 2024-08-12 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: LEXISNEXIS

Complaint narrative:
I am writing to file a formal complaint against LexisNexis regarding their failure to delete incorrect information on my consumer report. Specifically, LexisNexis has continued to report a XXXX XXXX Bankruptcy that should not be present on my report.

I have already provided LexisNexis with proof from the courthouse confirming that this bankruptcy is inaccurate and should not appear on my report. Despite this, LexisNexis has failed to remove the erroneous information.

They are in violation of the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' It is my understanding that under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies like LexisNexis are obligated to ensure that the information they report is accurate and up-to-date. They are also required to conduct a reasonable investigation when a consumer disputes the accuracy of the information in their report. LexisNexis has not fulfilled these obligations.

The continued presence of this incorrect bankruptcy on my report is causing significant harm to my creditworthiness and financial standing. I request that the CFPB take immediate action to ensure that LexisNexis deletes this inaccurate information from my report and confirms this deletion in writing.

Thank you for your attention to this matter. I look forward to your prompt resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: Conn's, Inc.
State: IL

Complaint narrative:
I am a victim of XXXX XXXX  of debt XXXX  and would like for all listed accounts to be blocked and deleted from My Credit report for myself XXXX XXXX last XXXX of social security number is XXXX, XXXX XX/XX/XXXX. PLEASE DELETE THE FOLLOWING XXXX. XXXX XXXX XX/XX/XXXX {$590.00} XXXX XXXX XXXX  XX/XX/XXXX {$34000.00} XXXX XX/XX/XXXX {$140.00} XX/XX/XXXXXX/XX/XXXX {$1400.00} XXXX XXXX  XX/XX/XXXX {$740.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: ND

Complaint narrative:
I opened a home Depot account in XXXX Alabama and they refused my endorse payment coupon. A notice of dishonor on them according to UCC 3-503. HJR 192 states no debts can be paid and must be discharged. I endorsed the coupon with my beneficiary signature and they refused it as payment.

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 2024-08-12 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: NC

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX XXXX XXXX  AND XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. ACCOUNTS LISTED ARE XXXX, XXXX, AND XXXX XXXX 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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 2024-08-12 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: NC

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX XXXX XXXX AND EQUIFAX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. ACCOUNTS LISTED ARE XXXX, XXXX, AND XXXX  XXXX. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSAT
ION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Subject : Complaint Against EQUIFAX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge XXXX Amount : {$17000.00} I have previously disputed the accuracy of this charge off account with EQUIFAX and provided evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: MI

Complaint narrative:
Lockhart Morris & Montgo Inc Their address : XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX, TXXXXX Charged Collection Charge OFF {$650.00} I never used their service or anyone 's service. 
The charge has not been recognized. 
They simply reported to the Credit Beareu 's Please resolve the issue : Their phone number : XXXX XXXX phone number : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was reviewing my credit report and there are inquiries that are not mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
These inquiries were not authorized by me and I did not communicate with this under the specified date

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Personal information reported wrong. Name ( s ) incorrect. Multiple wrong addresses reported as well.

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 2024-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: OK

Complaint narrative:
Spring Oaks Capital LLC reported a debt of {$1600.00} to the the credit bureaus on XX/XX/year>. They failed to successfully contact me before reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: EQUIFAX, INC.
State: NV

Complaint narrative:
In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX Account XXXX : XXXX XXXX / XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX Account Number : XXXX XXXX / XXXX Equifax XXXX Account XXXX : XXXX XXXX / XXXX Equifax XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX Account Number : XXXX XXXX XXXX XXXX Equifax XXXX XXXX Account Number : XXXX XXXX / XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX Account XXXX : XXXX XXXX / Experian XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX / XXXX XXXX XXXX Account XXXX : XXXX XXXX / XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX / XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX someone was able to access my account and transferred money from my savings to checking and then made series of 4 unauthorized XXXX transactions. Amounts : {$200.00}, {$450.00} ( posted XX/XX/XXXX ), {$700.00}, and {$650.00} ( posted XX/XX/XXXX ). Before this time I did not even have a XXXX account, so the perpetrators of the fraud also created a XXXX account at the same time. 

As soon as I was notified of these fraudulent transfers I called the bank and reported it ( around XX/XX/XXXX ) All 4 transfers were still pending at the time ( as noted above they did not post until XX/XX/year>. ) Within a few days ( XX/XX/XXXX ), the bank had credited the smaller of the two transfers to my account, but not the other 2. Calls to the bank were not helpful. They said to wait 10 business days while the investigation was ongoing, and that I'd receive a report when the investigation was complete. 

Meanwhile I also filed a local police report on the fraud, and reported the fraud to XXXX. 

While waiting for any action, all the XXXX transfers moved from pending to complete. 

Around XXXX XXXX the credits given to me by the bank were reversed. At the time my balance in checking almost went negative and I had to transfer money from savings to checking to ensure I didn't incur fees. 

Still there was no update from the bank. 

I called today and the bank reported that the result of the investigation was that there is no proof of fraud. Even though I had called when the transactions were pending to report them as fraud. I can also show that it was not me accessing my account because of the IP address and operating system type logged in at the time of the transfers. It seems the bank has purposely not done their due diligence in investigating this fraud in order to not refund the fraudulent transactions. 

The bank also can not tell me how the bad actors got access to my account, and can't offer any suggestions on how to prevent this type of activity in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Im requesting that the collection agency.Please send me the original contract with my signatureI want the terms and conditions of the credit card account..I want the account History all statements. I have contacted the Attorney General.I will contact the XXXX XXXX XXXX Commission on Financial Regulation Debt Collection licensing debtI will be filing a federal lawsuitIf the information isnt sent to me in 30 daysThis company is very manipulative and full of deception.I will pay for the lawsuit to be removed from the District Court to US District CourtThey are in violation of the FCRA and FDPCA.Which is grounds for a Federal lawsuit I have disputed this before about 2 times The credit card company never gave an pandemic relief or care act reliefSo Im going to take the credit card company credit one and the collection agency to Court soon.I will bring up in federal court that I have disputed the account and they did nothing to acceptThey didnt properly investigate and verify my account..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX Account Number : XXXX Update to Open/Never late 2. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Delete this account. 


4. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Delete from my credit report. 


5. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief