vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, 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: FL

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  Account Date Open : XX/XX/XXXX Account Amount : {$1000.00} Account name : XXXX XXXX XXXX Account date open : XX/XX/XXXX Account amount : {$170.00} Account name : XXXX XXXX  XXXX Account date open : XX/XX/XXXX Account amount : {$2100.00} XXXX Account list above 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 vears. 

15 U.S.C. 16815-2 ( 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 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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.

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 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : 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 2022-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: ME

Complaint narrative:
Today a charged off account appeared on my XXXX with Sunrise Credit Services for a charged off {$200.00} account with XXXX XXXX XXXX I called both Sunrise and XXXX, advising this is hurting my securty clearance and this is and never was my account. Ever. It was opened without my knowledge or consent by an unknown perpetrator. 


SunrisecredXXXX XXXXChargeoff {$200.00} Date reported XX/XX/2022 Date opened XX/XX/2022 Account type Collection Credit limit N/A Account disputed No Amount past due {$0.00} Remarks Placed for collection Account designation Individual Original creditor XXXX XXXX XXXXXXXX

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 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have reached out to all three credit bureaus in an attempt to get information about an account that is being reported incorrectly. I have asked to see documentation that this account belongs to me. I want to see the original contract with my signature. Neither of the bureaus have been able to furnish this document and I believe it is a stall tactic on their behalf. They need to be able to provide this information, and if they can not, then they must delete it. It has been over 90 days and I have yet to receive a resolution or a response for that matter. Since the bureaus get paid for every item reported, I believe they are stalling on purpose and are not doing their due diligence.

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 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax refuses to remove the inaccurate information reporting to my consumer report. I have disputed the accounts multiple times an they continue to come back verified... how? No one has spoken to me about anything. They are reporting 4 derogatory closed accounts that are directly affecting my livelihood. And none of them are accurate. The CRA 's have a " DUTY AND GRAVE RESPONSIBILITY '' to report accurate information so says the laws that govern consumer reporting in title 15 ( i.e. FDCPA, FCRA ). My consumer rights have and are being violated by this financial institution and I want correction and compensation for their wrongs according to the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have been a victim of identity theft, I have had someone use my identity with different names, addresses, and information. I need this to be investigated and fixed immediately. 

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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
XXXX by Goldman Sachs GM card - made promotional offer which required one purchase by XX/XX/XXXX, and in return I would receive a {$50.00} credit on my credit card. The purchase was made on XX/XX/XXXX. I have called customer service 6 times since XXXX. After the third call, I started documenting date of the call and person to whom I spoke. On XX/XX/XXXX I spoke with XXXX ... he said he was escalating and gave me a ticket number XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with GM Rewards. XXXX said it should be resolved within 7 business days. On XX/XX/XXXX I spoke with XXXX who told me the same thing, and that she was escalating the complaint. On XX/XX/XXXX I spoke with XXXX at GM Rewards, and again told me the issue is still pending. When I pressed about the length of time ( 5 months! ), she stated that the XXXX statement was not processed correctly, and that they were waiting for " corporate office '' to enter the {$50.00} credit. 

After 5 months, it is obvious that XXXX by Goldman Sachs GM card and/or GM Rewards are failing to honor the promotion offer. I hope you can assist me obtain the {$50.00} credit they offered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I have my account with TD BANK, account info : Company name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Account # : XXXX Just find out I have been debited for {$880.00} monthly since XX/XX/2021. It means a total {$11000.00}. Bank says they cant return the funds, dont have any information about the vendor. Dont know what else to do. 

Is too much money and the money keeps going sour form my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
In XX/XX/XXXX, your company placed a collection account on my credit report without providing me with any prior notification that I owed this debt. Additionally, I was unaware that a small balance of {$190.00} was allegedly owed to XXXX XXXX XXXX. In XX/XX/XXXX, I started the process of trying to finance my first new home. On XX/XX/XXXX, my mortgage lender obtained my credit report and requested a letter of explanation on any negative reported on my credit report as per the requirement of obtaining a VA mortgage. I was provided with a small list of accounts that required attention, and this was the first time I had any knowledge of a debt owed to you. On XX/XX/XXXX, I had mailed the enclosed settlement offer letter to attempt to pay the balance off in full to your company in exchange for a courtesy removal of the account, even though I had no knowledge of this debt being owed. This also included a debt validation request in the event you wouldnt honor my offer. The debt validation portion came directly from the CFPB website and shouldve been subsequently treated as a dispute. This wouldve allowed you 30 days from receipt to provide me with all the requested information which I am entitled to. This was sent certified and was received by you on XX/XX/XXXX, signed by A KNG. Two days later, I started receiving phone calls from Conserve, so naturally, I had assumed your communications were being made to address my offer letter. It was not. I had informed the rep that I had submitted an offer letter which also included a debt validation portion should ConServe choose to not honor my offer and had asked her to please respond to my mailed requests. At this point, any collection attempts shouldve been stopped so that a proper investigation could be completed. That didnt happen. The rep proceeded to state that no letter was received and accused me of lying to the credit bureaus ( or that theyd be lying to the credit bureaus by responding to my letter ). I wasnt quite sure what was meant by that, so I kindly ended the call requesting that a rep responds to my letter On XX/XX/XXXX, a remark was noted on this account since the bureaus had been informed by ConServe that I was requesting a validation of debt. The remark reads, Account information disputed by consumer, meets FCRA requirements. As of today, the only information that I've received was legally should've been an initial debt notification notice. This should've been provided with prior to this account being placed on my credit report. There were no additional items provided, none of the my questions were addressed, and my credit shows no update/removal of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I applied for an XXXX XXXX  XXXX XXXX XXXX on XX/XX/2022 with account number ending in XXXX  assigned from XXXX XXXXXXXX XXXX. I received an email on XX/XX/2022 to welcome me as a new cardholder. I received a text message on XX/XX/2022 stating that my XXXX  XXXX XXXX credit request was approved and that the welcome package and card ( s ) would arrive within 14 days. On XX/XX/2022, I received an email stating that my credit card ending in XXXX was mailed on XX/XX/2022 and was on the way. I received the packet as stated and activated the card. At this point all is well. 

On XX/XX/2022, I received an email stating that my credit card application for an XXXX  XXXX XXXX card from XXXX XXXX  XXXX was approved and the credit card would arrive within 7-10 business days. I DID NOT apply for this card. On XX/XX/2022, I received an email stating that my credit card had shipped and would arrive in XXXX business days. I received the welcome packet and card on XX/XX/2022. I contacted XXXX XXXXXXXX XXXX to cancel the XXXX  XXXX XXXX card on XX/XX/2022. On this same day, I received an email stating that it was time to activate the card. The XXXX XXXX  XXXX representative XXXX XXXX XXXX stated that this card had been declined for several attempted transactions. 

On XX/XX/2022, I received an email stating that Chase had received a request for a credit card. Same day, I received an approval email stating that a welcome kit would arrive in the mail in XXXX to XXXX business days. I DID NOT apply for this card. On XX/XX/2022, I received an email stating that I had enrolled a card ending in XXXX online with paperless enrollment confirmation. AT THIS TIME, I HAD NOT RECEIVED THE CARD AND DIDN'T KNOW THE ACCOUNT NUMBER. I was out of town with a hold on my mail until XX/XX/2022. While out of town, I received an email on XX/XX/2022 stating that my XXXX of XXXX XXXX  had been upgraded. I had not requested a XXXX of XXXX account or credit card. I received an email on XX/XX/2022 welcoming me a as a XXXX of XXXX cardholder. I received TWO identical XXXX XXXXf XXXX welcome letters upon my return. I called Chase and cancelled this credit card on XX/XX/2022 On XX/XX/2022, I received an email notification that my request for an XXXX XXXX XXXX was not approved and a letter would be arriving with more details. ( As noted above, I already have this card which is where it seems the trouble started ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
I was supposed to get ( two ) seperate direct deposits on XX/XX/ in the exaact same amount of {$130.00} each deposit for a total of {$270.00}. But I only recieved one direct deposit of {$130.00}. But when I contacted openforce which is the company that pays my financial institution which is chime, they said that both deposits were sent and they provided me with two seperate trace numbers and documents that show they sent it. They told me to contact chimes ACH DEPT and provide them those two numbers. And they were very communicative and professional with the situation the whole time. But chime had not been helpful at all they barely speak English and I was hung up on at least 7 times after about a week of explaining the situation to many of there employees and supervisors its like they got rid of me calling out something. I submitted documents of proof that they sent the deposits to XXXX and spoke to a supervisor for 1 hour and a half and for him to just quickly brush me off the phone. I am owed {$130.00} still from the XXXX XXXX XXXX which I still have not recieved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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 According to : 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 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have reached out to all three credit bureaus in an attempt to get information about an account that is being reported incorrectly. I have asked to see documentation that this account belongs to me. I want to see the original contract with my signature. Neither of the bureaus have been able to furnish this document and I believe it is a stall tactic on their behalf. They need to be able to provide this information, and if they can not, then they must delete it. It has been over 90 days and I have yet to receive a resolution or a response for that matter. Since the bureaus get paid for every item reported, I believe they are stalling on purpose and are not doing their due diligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have reached out to all three credit bureaus in an attempt to get information about an account that is being reported incorrectly. I have asked to see documentation that this account belongs to me. I want to see the original contract with my signature. Neither of the bureaus have been able to furnish this document and I believe it is a stall tactic on their behalf. They need to be able to provide this information, and if they can not, then they must delete it. It has been over 90 days and I have yet to receive a resolution or a response for that matter. Since the bureaus get paid for every item reported, I believe they are stalling on purpose and are not doing their due diligence.

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 2022-11-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX, XXXX paid Santander the amount for my XXXX XXXX XXXX, because it was declared a total loss. Santander cashed the check on XX/XX/XXXX. Unfortunately, Santander is still trying to charge me for the amount of the car and it has already been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
EQUIFAX IS INCORRECTLY REPORTING ME AS DECEASED IN MY CREDIT FILES. I AM NOT DEAD. I HAVE CONTACTED EQUIFAX MULTIPLE TIMES AND PROVIDED THEM WITH PROOF AND THEY ARE NOT CORRECTING THE INCORRECT REPORTING. EQUIFAX IS COMMITTIMG A FRAUD ON ME AND REPORTING ME AS DEAD WHEN I AM CLEARLY NOT DEAD IS A FEDERAL CRIME. I HAVE ALSO CONTACTED MY STATES ATTORNEY GENERAL AND TALKING TO A LAWYER TO FILE A LAWSUIT FOR FRAUDULENTLY REPORTING ME AS AS A DEAD MAN WHEN CLEARLY BASED ON THE EVIDENCE THAT I PROVIDED I AM ALIVE.BASED ON THE FRAUDULENT INFORMATION PROVIDED BY EQUIFAX I AM UNABLE TO GET A CAR OR A HOUSE AND LIVE MY LIFE BY CLEARLY BEING NOT DECEASED. 
PLEASE DO YOUR JOB AND FIX MY CREDIT FILE.

Company response to consumer: Closed with explanation