vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
On or about XXXX XX/XX/2022 Goldman Sachs received a cashiers check XXXX from XXXX XXXX on behalf of Myself, XXXX XXXX XXXX and my Spouse XXXX XXXX XXXX for payment on are Apple XXXX accounts XXXX and XXXX. On XXXX XX/XX/2022 Goldman Sachs processed the check. As of today XXXX XX/XX/2022, the proceeds from that payment have not been applied to either of our accounts. I have spoken with Goldman Sachs on at least 4 different occasions regarding this issue. I have been told they are elevating this concern. In the interim I and my spouse have to continue making payments on accounts we have already paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
There appears to be several actions of fraud on my credit history report over the last couple months. The specific actions that are incorrect and fraudulent include : XX/XX/XXXX : New Inquiry XXXX XXXX XX/XX/XXXX XXXX New Account ( opened as of XX/XX/XXXX with an initial balance of {$780.00} ) XXXX XXXX XX/XX/XXXX : New Address Updated address to : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XX/XX/XXXX : New Inquiry COMENITYBANKXXXX  None of these actions were taken by myself and all are fraudulent. My credit score has since dropped by XXXX points from XXXX as of XX/XX/XXXX to XXXX as of XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17 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 XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX  Acct # XXXX and XXXX XXXX Acct # 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

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 2022-05-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: MD

Complaint narrative:
I had a XXXX ( labeled as XXXX  in the credit report ) account that was closed on XX/XX/XXXX. My Equifax credit report showed that it was closed on that date. However, the payments on that account were registered for XXXX ( after the account had been closed ) instead of XXXX. Because there were late payments, this made me unable to be approved for a mortgage because the lender stated that those payments were still within a year of my application. To be clear, the late payments ( and all payments for that matter ) occurred in XXXX before the account was closed, and not in XXXX. This error only occurred in the Equifax report. 
I reached out to the lender and tried to resolve the error and they informed me that they had sent information to Equifax to fix the problem. When I saw no changes, I raised a dispute on Equifax three times and each time they would contact me and let me know the dispute had been completed, but each time, the error remained on the report. I kept trying to inform the Equifax representatives of what was going on and how frustrating this was given I was in the middle of a mortgage application, but they kept reciting the same generic information and advising me to raise another dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Credit Karma, LLC
State: WA

Complaint narrative:
My cell phone broke credit karma did not recognize my tablet but did recognize my sim card. I called XXXX time no would help me even when I email my valid Washington state drivers license, birth certificate bank atm card and bill.also I sent XXXX different vehicle titles and a car insurance claim all with my address. I have lived here XXXX  years. They will not change my phone number they accept landlines which I have but refuses to do anything. So the are basically stealing my income tax return. The told me it was accepted then that it wasn't. I only logged in on XXXX devices from the same location. I am so frustrated XXXX is my only option they refuse to do anything. I've called and sent over XXXX emails.credit karma has the worst customer service other planet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX  Acct # XXXX and XXXX XXXX Acct # 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

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 2022-05-17 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX and XXXX XXXXL Acct # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: American First Finance, Inc.
State: NV

Complaint narrative:
This is not my account. I told the company and they are harassing me with calls that come and just hangs up after 1 ring, I call back its them. i told the rep it was not me and she insisted that I need to pay this bill or it will be on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Credit Report fraud I know person refuses to pay for them and clearly report and put it back in good condition

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: HOMESTAR FINANCIAL CORPORATION
State: GA

Complaint narrative:
I submitted my loss mitigation package via email on XX/XX/22 and on XX/XX/22 I received a letter dated XX/XX/22 stating that my application was incomplete and that I had to fill out a printed copy of the application and mail it in. I already spoke to an agent about the costs of gas and printing and how I could not afford to mail a hard copy and the agent reassured me that I could fill out the pdf version of the loss mitigation packet and email it. Now the lender is not honoring the packet. 

I called my lender on XX/XX/22 to verify the status of my loss mitigation application and the agent could not verify the status ( if they received it or not ), but kept asking me if I wanted to pay over the phone with him. I kept telling him I did not have the funds to make a payment and to please stop asking me, but the agent kept asking me if I wanted to make a payment. The agent even asked me if I was refusing to make a payment, which made me ask for his manager. The agent never got his manager and refused to assist me. 

I believe this lender is purposely pushing people into loss mitigation by lying about the process of paying back the deferred amount. The lender made it seem like all I had to do was call back and be placed on a forbearance plan, but now that the entire balance is due, nobody in their company knows how to help me. 

I have already submitted my application and called to verify they received it and have gotten no assistance, so I am reaching out to you..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request 3 BUREAUS the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. The following accounts are listed below : XXXX XXXX & XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$3300.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} ; XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$810.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} Date XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$670.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX. ) XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXX ; XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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 2022-05-17 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: GA

Complaint narrative:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX BUREAUS the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. The following accounts are listed below : XXXX XXXX & XXXX ( Original Creditor : XXXX XXXXL XXXX ) XXXX Balance : {$3300.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} ; XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance:XXXX ; XXXXXXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$810.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} Date OpenedXXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$670.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXX ; XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: GA

Complaint narrative:
Theres a student thats currently reporting on my credit report with Dept of EducationXXXX . I did not agree to the terms of this loan nor did I sign a promissory note agreeing to these terms. And according to the FCRA they can not report this account to my credit file.

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 2022-05-17 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: GA

Complaint narrative:
Theres a student thats currently reporting on my credit report with Dept of EducationXXXX XXXX I did not agree to the terms of this loan nor did I sign a promissory note agreeing to these terms. And according to the FCRA they can not report this account to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: GA

Complaint narrative:
Theres a student thats currently reporting on my credit report with Dept of EducationXXXX . I did not agree to the terms of this loan nor did I sign a promissory note agreeing to these terms. And according to the FCRA they can not report this account to my credit file.

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 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : Experian : XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX Balance : {$19000.00} XXXX  XXXX XXXX {$0.00} XXXX : XXXX XXXX XXXX Balance : {$4700.00} XXXXXXXX XXXX XXXXXXXX XXXX {$3900.00} XXXX XXXX Balance : {$19000.00} XXXX  XXXX XXXX Balance : {$460.00} XXXX : XXXX XXXX  XXXX XXXX {$3900.00} XXXX XXXX Balance : {$19000.00}

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 2022-05-17 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 — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XX/XX/22 CB/VICSCRT XXXX XXXX XXXX XXXX XXXX RE : We have disputed this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: AR

Complaint narrative:
The Credit bureaus stated my account was properly investigation but how is that possible if the open dates are inaccurate, the date last active is inaccurate, there showing late payment that wasn't late and date last reported is not accurate this ground for removal they also violated my rights under 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 account without my written instructions 15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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 — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
XX/XX/22 XXXX TOYOTA MTR XXXX XXXX XXXX RE : We have disputed this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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 — Investigation took more than 30 days
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XXXX/XXXX/22 XXXX XXXX XXXX LVNV FUNDING LLC RE : We have disputed this account.

Company response to consumer: Closed with explanation