vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-13 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: FL

Complaint narrative:
XXXX XXXX XXXX, XX/XX/XXXX, This CFPB compliant has been filed to request pursuant to FCRA 605B ( 15 U>S>C & 1681c-2 ) that you, the Experain credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and Fraud within 4 business days of receiving this compliant. this fraudulent, inaccurate and false information consists of a XXXX XXXX XXXX - Account # : XXXX, opened XX/XX/XXXX, XXXX XXXX XXXX XXXX - Account # : XXXX, opened XX/XX/XXXX, XXXX XXXX XXXX XXXX - Account # : XXXX, opened XX/XX/XXXX, XXXX XXXX XXXX - Account # : XXXX, opened XX/XX/XXXX, XXXX XXXX XXXX  - Account # : XXXX XXXX XXXX - Account # : XXXX, XXXX XXXX XXXX - Account # : XXXX, I do not recognize the aforementioned accounts, collections.as reported these accounts, collection appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity theft criminal complaint as proof from the US Federal trade commission that all these consumer accounts are the result of identity and 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 2024-12-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
On XXXX XXXX, my savings account with XXXX  was suddenly locked without any prior notice or explanation. This has caused me significant inconvenience and concern.

Actions Taken : I contacted XXXX  customer service immediately after discovering the issue. 
The representative informed me that no process could move forward at this time and that I would need to wait for 2 to 3 weeks for any updates. 
Concerns : I have reviewed online feedback from other customers, which suggests that this waiting period often leads to no meaningful resolution. This has further heightened my concerns about the handling of this matter.

Request : I urgently request XXXX  to : Provide a clear explanation for why my account was locked. 
Specify any information or documentation required from me to resolve this issue. 
Expedite the resolution process and avoid indefinite delays. 
It is not acceptable to lock a customers account and leave them waiting without a clear path forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Human Trafficking ( Debt Bondage ) Section 605C ( 115 U.S.C Section 1681c-2 ) Urgent Request for Resolution Dear TransUnion Representative, Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account from XXXX XXXX XXXX XXXX XXXX Account number XXXX. Credit inquiry from XXXX These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the accounts, collections, or hard inquiries as reported. 

All the accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX from the US Federal Trade Commission that all of the aforementioned consumer collections, and hard inquiries are the result of identity theft and fraud. 

I request pursuant to FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ), that the TransUnion credit reporting agency block all collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX. 

Sincerely, 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 2024-12-13 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I'am a victim of identity theft, my information was apart of the Equifax data breach

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'am a victim of identity theft, my information was apart of the XXXX data breach

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 2024-12-13 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:
Equifax came back and stated information verified was inaccurate when in FACT THE INFORMATION IS NOT ACCURATE ( SEE ATTACHMENTS AS PROOF ). 

THE DEBT COLLECTION COMPANY IS COMMITTING FRAUD AND INFORMATION SHOWING ON MY CREDIT REPORT IS NOT INFORMATION SHOWING WITH STATE OF XXXX  OFFICE OF REGULATION. ( SEE ATTACHMENTS AS PROOF ) Collection Agency Fair Collections and Outsourcing is committing FRAUD AND ILLEGAL ACTIVITIES in the State of XXXX. 

Fair Collections and Outsourcing is in violation of ; State of XXXX  Statutes Title XXXIII, Chapter 559, Part VI - Consumer Collection Practices Violation State of XXXX  Statutes Title XXXIII, Chapter 559, Part VI - Consumer Collection Practices Violation Penalties for violations.Any person violating any provision of this part shall be guilty of a misdemeanor of the first degree, punishable as provided in s. 775.083, and the circuit court shall have jurisdiction in equity on the complaint of any interested person to restrain and enjoin the violation of any of said provisions. 

Im currently a resident of the State of XXXX. 

Equifax credit report is showing that Equifax verified this debt with Fair Collections and Outsourcing and their address reporting on my Equifax Credit Report is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX The State of XXXX  states all collection companies trying to collect a debt from State of XXXX  residents must be licensed with State of XXXX  Department of Regulation . 

When reviewing the companys registration with The State of XXXX  Office of Regulation it clearly shows a different address ; therefore, the company reported on my credit report is fraudulent. ( See Attachment For Copy of License From State of XXXX  Office of Regulation ). 

Address showing on State of XXXX  Office of Regulation is as follows ; Business Main Address and Business Mailing Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
INACCURACIES LISTED BELOW XXXX XXXX XXXX  AMOUNT XXXX ] EOSCAR CODE ( XXXX ) METRO 2 CODE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT XXXX ] EOSCAR CODE ( XXXX ) METRO 2 CODE XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AMOUNT ] EOCSAR CODE ( XXXX ) MERTO2 CODE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX AMOUNT XXXX EOSCAR XXXX XXXX XXXX ) METRO 2 CODE XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AMOUNT XXXX ] E OSCAR CODE ( XXXX ) METRO 2 CODE ( XXXX  ) ( XXXX ) XXXX XXXX XXXX XXXX AMOUNT XXXX ] ( XXXX ) METRO2 CODE ( XXXX  ) ( XXXX  ) I Hereby requesting that you immediately block this information from my credit report, as it is the result of identity theft, pursuant to section 605b of the fair credit reporting act and metro 2 compliance please send the required notifications to all furnisher of information regarding the blocking of this 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 2024-12-13 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: EQUIFAX, INC.
State: NY

Complaint narrative:
INACCURACIES LISTED BELOW XXXX XXXX XXXX AMOUNT XXXX ] EOSCAR CODE  ( XXXX ) METRO 2 CODE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AMOUNT XXXX ] EOSCAR CODE ( XXXX ) METRO 2 CODE ( XXXX ) ( XXXX  ) XXXX AMOUNT ] EOCSAR CODE ( XXXX ) MERTO2 CODE ( XXXX ) ( XXXX  ) XXXX XXXX XXXX XXXX AMOUNT XXXX EOSCAR XXXX XXXX XXXX ) METRO 2 CODE ( XXXX  ) ( XXXX ) XXXX  AMOUNT XXXX ] E OSCAR CODE ( XXXX ) METRO 2 CODE ( XXXX  ) ( XXXX ) XXXX XXXX XXXX XXXX AMOUNT XXXX ] ( XXXX ) METRO2 CODE ( XXXX  ) ( XXXX  ) I Hereby requesting that you immediately block this information from my credit report, as it is the result of identity theft, pursuant to section 605b of the fair credit reporting act and metro 2 compliance please send the required notifications to all furnisher of information regarding the blocking of this XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: Cascade CISS Holdings, LLC
State: MS

Complaint narrative:
I have experienced numerous unauthorized hard inquiries from lenders on my credit report. I suspect these inquiries are linked to a series of data breaches that I was involved in, including breaches from XXXX and other businesses. Additionally, my credit monitoring services frequently notify me that my personal information, such as my accounts, may have been compromised and is appearing on the dark web. I believe this exposure has resulted in the unauthorized use of my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: IL

Complaint narrative:
Please be advised that this is my 3rd WRITTEN REQUEST AND FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my right and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of that of the documents that you used to verify the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after 2 written requests is also evidence of yourWillful disregard of Federal Law. 
When we go through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you do not have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and Court will order you to delete them. 
You say that you have reinvestigated these accounts but you have admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation in violation of 1681 { a } { 4 }. 
I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law. 
Please be advised that under Section 611 { 5 } { A } of the FCRA-you are required to .PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. I request that you do this immediately. 
The law is very clear as to the Civil liability and remedy available to me { Section 616 & 617 } if you fail to comply with Federal Law. I am a litigious consumer and fully intend on fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name XXXX XXXX Date XXXX Account XXXX Reason for dispute__IDENTITY XXXX Account Amount___ $ XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I have used this account in the past without issue. I made a purchase on XX/XX/XXXX for {$1200.00}. I have always been paperless and enrolled in auto payment. I did not receive any additional information regarding my last purchase. I was on an interest deferred promotion. The promotion apparently was over in XX/XX/XXXX. I missed this information as I only open my online statements to check balances. I was charged {$620.00} interest on the balance of {$460.00}. I chatted online to the company and called directly on XX/XX/XXXX to try to figure out how this interest was calculated and why. I was told it was interest from the original purchase amount calculated monthly. This interest amount is more than half of the original purchase amount. Certainly that was never conveyed to me upon my purchase. I explained this never entered my mind as a possibility and I surely would have had the balance paid off if it had. I offered to pay my balance of {$460.00} immediately and was told that would not change the interest due and there was nothing they can do. They mentioned if I had paid {$15.00} more on auto payment that I would not have had this issue. When I choose the auto pay it was an amount they recommended. I was told if I had called a few weeks earlier they may have been able to help me but now they can't and furthermore I will be charged interest on the interest. I was told there was no supervisor or anyone else I could talk to and everyone else will tell me the same thing.

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 2024-12-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
In accordance with fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 681 section 604A section 2 it also states a consumer reporting agency can not furnish an account with out my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open an consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute multiple fraudulent accounts, collections, and inquiries that have appeared on my consumer credit report, all of which are the result of identity theft and fraud. Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), I request that these fraudulent items be blocked from my credit report within four business days of your receipt of this complaint. The fraudulent and inaccurate information includes the following : 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 XXXXXXXXThese fraudulent accounts have resulted in unauthorized hard inquiries and collections appearing on my credit report. I do not recognize these accounts, inquiries, or collections, and they were not opened, made, or initiated by me. As evidence of identity theft, I have attached the following : A copy of my FTC Identity Theft Criminal Complaint ( Case # XXXX, A copy of my consumer credit report highlighting the fraudulent items A list of unauthorized hard inquiries related to these fraudulent accounts Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), you are required to investigate these fraudulent items, block them permanently from my file, and cease any collection activities related to them. I expect prompt action on your part to remove these fraudulent accounts, inquiries, and collections. Additionally, I request a description of the procedures used in your investigation, as well as any documentation from creditors related to these accounts. Failure to comply with my request within the legal timeframe will compel me to escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory authorities. Thank you for your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of your progress in resolving this dispute. Sincerely, 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 2024-12-13 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: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I have made multiple requests for companys cooperation in providing me the proper debt validation/verification. The only thing sent was a print out of a credit card company. No proof that it belongs to me. I reported that there was no initial contact informing myself that supposed debt was procured by agency ; which denied me the ability to exercise my rights as stated by the FCRA and FDCPA. Following the limited unverified information in response to multiple request, company continues to negatively impact my consumer credit report with the incorrect reporting, which is direct violation of FDCPA. Reporting unproven info along with refusal of requested items is oppressive, abusive has caused financial harm. Fraudulent debt collection constitutes as a violation as company continues to report debt that they have not legally produced proof of requested items, thus violating TILA, as they have failed to provide adequate proof of purchase agreement, assignment contract, and verification that I was given the right to dispute upon procurement. Illegal collection activity and fraudulent misrepresentation of their financial dealings, does not validate their reporting.

Company response to consumer: Closed with explanation